Remote locking method, device and equipment for vehicle

Abstract

The invention provides a remote vehicle locking method, a remote vehicle locking device and remote vehicle locking equipment of a vehicle. The method comprises the following steps: acquiring actual repayment data of a vehicle; according to the actual repayment data of the vehicle, determining whether the vehicle is overdue and not repaid; and in response to the overdue unrepayment of the vehicle, sending a vehicle locking instruction to the vehicle through a satellite. According to the embodiment of the invention, the problem of financial risk caused by the fact that the vehicle involving the financial service is located in an area without cellular network coverage is solved.

Description

Technical Field

[0001] The present disclosure relates to the technical field of vehicle intelligent control, and in particular to a method, device and equipment for remotely locking a vehicle. Background Art

[0002] With the rapid development of the financial vehicle market, more and more consumers and enterprises choose to obtain vehicles through loans and leases. However, this popularity also brings corresponding financial risks, such as car owners defaulting on loans and lease payments. In order to cope with the risks faced by such vehicles involving financial services (hereinafter referred to as financial vehicles), it is necessary to remotely control financial vehicles (such as remote locking).

[0003] Currently, remote locking of vehicles can be achieved using cellular networks, but the limited coverage of cellular networks also brings some hidden dangers. For example, when a financial vehicle is operating in an area where cellular network signal coverage is insufficient or non-existent (such as remote mountainous areas or mining areas), it may not be possible to remotely lock the financial vehicle using the cellular network, increasing potential financial risks. Summary of the invention

[0004] In view of this, the embodiments of the present disclosure are dedicated to providing a remote locking method, device and apparatus for a vehicle.

[0005] In a first aspect, a remote locking method for a vehicle is provided, wherein the vehicle is a vehicle purchased with a loan or a leased vehicle, and the remote locking method comprises: obtaining actual repayment data of the vehicle; determining whether the vehicle is overdue for repayment based on the actual repayment data of the vehicle; and sending a vehicle locking instruction to the vehicle via a satellite in response to the vehicle being overdue for repayment.

[0006] As a possible implementation manner, the vehicle locking instruction is sent via a short message system of the satellite.

[0007] As a possible implementation, the vehicle locking instruction includes indication information, and the indication information is used to indicate one or more of the following: the reason for locking the vehicle; the repayment time of the vehicle; and the expected vehicle repayment time.

[0008] As a possible implementation, the step of sending a vehicle locking instruction to the vehicle via a satellite in response to the vehicle being overdue for repayment includes: in response to the vehicle being overdue for repayment, sending a reminder message to the owner of the vehicle via a voice channel of the satellite, wherein the reminder message is used to remind the owner of the due repayment time and / or the expected vehicle repayment time; after sending the reminder message, if it is determined that the vehicle has not yet repaid the loan within the expected vehicle repayment time, sending the vehicle locking instruction to the vehicle via the satellite.

[0009] As a possible implementation manner, the step of sending a vehicle locking instruction to the vehicle via a satellite in response to the vehicle failing to repay the loan on time includes: sending the vehicle locking instruction to the vehicle via a cellular network in response to the vehicle failing to repay the loan on time; if the vehicle locking instruction sent based on the cellular network fails to be executed, sending the vehicle locking instruction to the vehicle via the satellite.

[0010] As a possible implementation, the vehicle locking instruction is sent in ciphertext.

[0011] As a possible implementation manner, after the step of sending a vehicle locking instruction to the vehicle via a satellite in response to the vehicle being overdue for repayment, the remote vehicle locking method further includes: receiving a confirmation instruction sent by the vehicle, the confirmation instruction being used to indicate that the vehicle locking instruction is successfully received; and / or receiving a vehicle locking result sent by the vehicle, the vehicle locking result being used to indicate one or more of the following: whether the vehicle locking is successfully executed based on the vehicle locking instruction, and the time of successful vehicle locking.

[0012] As a possible implementation, the vehicle includes one or more of the following: an engineering machinery vehicle, and an off-road vehicle.

[0013] In a second aspect, an embodiment of the present disclosure provides a remote locking device for a vehicle, wherein the vehicle is a vehicle purchased with a loan or a leased vehicle, and the remote locking device includes: an acquisition module for acquiring actual repayment data of the vehicle; a determination module for determining whether the vehicle is overdue for repayment based on the actual repayment data of the vehicle; and a sending module for sending a vehicle locking instruction to the vehicle via a satellite in response to the vehicle being overdue for repayment.

[0014] In a third aspect, an embodiment of the present disclosure provides a remote locking device for a vehicle, wherein the vehicle is a vehicle purchased with a loan or a leased vehicle, and the remote locking device comprises: a memory and a processor, wherein the memory stores a computer program executable on the processor, and when the computer program is executed by the processor, any step of the remote locking method for the vehicle is implemented.

[0015] The disclosed embodiment can remotely lock the vehicle via satellite when the vehicle is overdue for repayment, thereby avoiding the occurrence of financial risks. In addition, the disclosed embodiment can be used as a supplementary solution for remote locking of the vehicle using a cellular network to improve the reliability of remote locking of the vehicle. BRIEF DESCRIPTION OF THE DRAWINGS

[0016] Figure 1 Shown is a schematic diagram of the system architecture provided by an embodiment of the present disclosure.

[0017] Figure 2 Shown is a schematic diagram of another system architecture provided by an embodiment of the present disclosure.

[0018] Figure 3 The figure is a flow chart of a remote vehicle locking method provided in one embodiment of the present disclosure.

[0019] Figure 4 FIG. 1 is a flow chart of a remote vehicle locking method provided in another embodiment of the present disclosure.

[0020] Figure 5 Shown is a schematic structural diagram of a remote vehicle locking device provided in an embodiment of the present disclosure.

[0021] Figure 6 Shown is a schematic diagram of the structure of a remote vehicle locking device provided in an embodiment of the present disclosure. DETAILED DESCRIPTION

[0022] The technical solutions in the embodiments of the present disclosure will be clearly and completely described below in conjunction with the drawings in the embodiments of the present disclosure. Obviously, the described embodiments are only part of the embodiments of the present disclosure, rather than all of the embodiments.

[0023] In order to adapt to the ever-changing market environment and meet the economic needs of consumers when buying cars, financial institutions provide financing solutions such as loans and leases, allowing consumers to purchase and use vehicles in a more flexible way. Such vehicles obtained through financial services are called financial vehicles.

[0024] Financial vehicles mainly include vehicles purchased with loans and leased vehicles. Among them, vehicles purchased with loans refer to vehicles that consumers purchase with loans from banks and other financial institutions. As a way of implementation, when consumers purchase vehicles with loans, they can first pay part of the down payment and then repay the balance in installments. Leased vehicles are vehicles that consumers rent from leasing companies. As a way of implementation, consumers can sign a lease contract with a leasing company to obtain the vehicle and pay the rent according to the contract during the lease period.

[0025] As the number of cars in the world continues to grow, the number of financed vehicles will also increase. The emergence of financed vehicles reduces the immediate financial pressure on consumers to buy cars. In addition, because financed vehicles provide flexible payment options and contract terms, consumers can choose the appropriate finance plan based on their own financial situation and needs, which improves the flexibility of car purchases.

[0026] However, while financial vehicles bring convenience, they also have corresponding risks. On the one hand, when consumers are unable to repay rent or loans on time due to changes in economic conditions or other reasons, financial institutions may face difficulties in recovering funds, resulting in credit risks; on the other hand, there may be risks of fraud in the financial vehicle business, such as false identity loans, false transactions, etc., which may cause financial institutions to lose funds.

[0027] In response to the above problems, financial institutions can reduce or avoid financial risks by controlling financial vehicles. As a possible implementation method, financial institutions can establish a connection with financial vehicles through short-range communication. For example, they can send a lock command to the financial vehicle through short-range communication to achieve control over the financial vehicle. Possible short-range communication methods include Bluetooth (BT) technology, Wireless Fidelity (Wi-Fi) technology, Near Field Communication (NFC) technology, etc. In addition to the above short-range communication methods, cellular network technology can also be used to complete the short-range locking operation of financial vehicles.

[0028] Cellular network technologies, including 2G, 3G, 4G and 5G, cover a wide area and have high-speed data transmission capabilities. Therefore, as another possible implementation method, when the short-range communication method cannot establish a communication connection with the financial vehicle, the cellular network technology can be used to achieve remote communication with the financial vehicle. For example, the cellular network technology can be used to send a lock command to the vehicle to complete the remote locking of the vehicle.

[0029] For example, a financial institution may send a locking instruction to a remote server via a cellular network, and the remote server forwards the received locking instruction to the financial vehicle, and the vehicle receives the locking instruction and performs the locking operation. The remote server may be a cellular base station (Cell Tower, CT), a serving node (Serving Node, SN), a data center (Data Center, DC), etc., which is not limited in the embodiments of the present disclosure.

[0030] However, for vehicles that often work in remote areas such as agricultural and mining areas, such as off-road vehicles (such as agricultural machinery) and construction machinery equipment (such as mining trucks), the cellular network coverage cannot be guaranteed in the area where they work, and there may even be no cellular network signal. Therefore, it may be difficult to achieve remote locking operations for these vehicles based on the cellular network, especially when these vehicles involve financial services, which may lead to financial risks.

[0031] In response to the above problem, the disclosed embodiment implements remote locking of the vehicle via satellite based on the actual repayment situation of the vehicle when the vehicle is overdue for repayment.

[0032] To facilitate understanding, the system architecture applicable to the embodiments of the present disclosure is first introduced below.

[0033] Figure 1 is an example diagram of a system architecture applicable to the embodiments of the present application. Figure 1 As shown, the system 10 includes a mobile communication device 110 , a satellite 130 , a financial vehicle 140 , and a vehicle information storage device (or platform) 160 .

[0034] like Figure 1 As shown, the mobile communication device 110 accesses the vehicle information storage device (or platform) 160 through the financial vehicle management platform (Vehicle Management System, VMS) to obtain relevant information of the financial vehicle.

[0035] The mobile communication device 110 includes but is not limited to mobile phones, tablet computers, laptop computers, smart watches, and drones. Any wireless communication device equipped with a wireless communication module and / or capable of performing control and data transmission via a wireless network is within the scope of protection of the embodiments of the present disclosure.

[0036] VMS is used to control financial vehicles to avoid the above risks brought by financial vehicles. VMS is a software system and service platform specifically used to support vehicle financial business. These platforms can provide digital solutions for the entire process from loan approval, risk control, vehicle management, and post-loan services, including the locking operation of financial vehicles.

[0037] The embodiments of the present disclosure do not limit the deployment method of VMS. VMS can be deployed on a dedicated server, and through server applications, financial institutions can manage business processes such as vehicle loans and leases. With the development of cloud computing technology, VMS can also be set up on a cloud service platform, using the Software as a Service (SaaS) model, which allows financial institutions to access and use cloud platform services through the Internet without having to maintain their own hardware facilities. In addition, in order to facilitate users to access services anytime and anywhere, VMS may provide mobile applications (Application, APP), and users can perform operations such as vehicle monitoring and repayment management on smartphones or tablets.

[0038] The satellite 130 can be used to implement communication between the mobile communication device 110 and the financial vehicle 140. In this embodiment, satellite, satellite platform, satellite communication system, and satellite navigation system belong to the same concept and are not distinguished in detail. For convenience, the above names are collectively referred to as satellites below.

[0039] In the embodiments of the present disclosure, there is no limitation on the type of satellite, as long as the satellite has the functions of data transmission, real-time monitoring and the signal can cover the area where the financial vehicle is located, it is within the scope of the embodiments of the present disclosure. It can be a global positioning system (GPS), or a compatible global navigation satellite system (GLONASS), and in addition, it can also be a BeiDou Navigation Satellite System (BDS) that provides global services and has short message communication capabilities.

[0040] The financial vehicle 140 may include multiple types, which are not limited in the present disclosure. For example, the financial vehicle may include one or more of the following types: road vehicles, off-road vehicles, and engineering machinery vehicles. The following briefly introduces these three possible financial vehicles.

[0041] Road vehicles refer to vehicles that are primarily used for traveling on highways or city streets, including cars, sport utility vehicles (SUVs), trucks, vans, etc. Such road vehicles can be obtained through financing programs or services, so road vehicles can be financial vehicles. For example, consumers can purchase cars or SUVs through financing services or installment payments provided by financial institutions such as banks, or they can obtain commercial vehicles such as trucks and vans through financial leasing or loans.

[0042] Off-road vehicles are vehicles that primarily operate in off-road environments, such as farm vehicles, snowmobiles, forklifts, etc. These vehicles usually work in specific scenarios, such as agriculture, forestry, or industry. Like road vehicles, off-road vehicles can also be financial vehicles. For example, a farmer can obtain a farm vehicle, such as a tractor, through a loan so that he can use the farm vehicle for farming. A golf course can obtain a golf cart through leasing for transportation within the course.

[0043] Construction machinery vehicles refer to heavy equipment used for construction, excavation, loading and other engineering operations, including excavators, bulldozers, mining vehicles, etc. These vehicles are usually used in construction sites, mines or other large-scale engineering projects. Since these vehicles are generally expensive, financial leasing and loan purchases are often the first choice for consumers. For example, a construction company can obtain an excavator through financial leasing. For another example, a mining company can purchase a mining truck through a loan to support large-scale mining truck transportation tasks.

[0044] In some embodiments, Figure 1 The financial vehicle 140 shown may include a vehicle satellite terminal and a vehicle control device. Figure 2 , the components of the financial vehicle 140 are introduced in detail. Those skilled in the art should understand that Figure 2 The components of the financial vehicle 140 shown in the figure do not constitute a limitation on the financial vehicle 140, and the financial vehicle 140 may include Figure 2 More or fewer components may be shown, or certain components may be combined.

[0045] like Figure 2 As shown, the financial vehicle 140 includes a vehicle satellite terminal 142 for implementing satellite communication. The vehicle satellite terminal 142 includes functions such as data transmission, voice communication, positioning services, emergency communications, remote monitoring and management, and navigation services. The vehicle satellite terminal 142 can be a communication device integrated into the vehicle, or a portable communication device that can be easily disassembled. The vehicle satellite terminal 142 can be an ordinary vehicle satellite terminal that provides a single satellite communication function, such as a satellite phone terminal, a data transmission terminal, etc., or it can be a satellite communication box (satellite communication box, S-Box) that integrates multiple satellite communication functions.

[0046] The disclosed embodiment does not limit the satellite communication network used by the vehicle satellite terminal 142. The vehicle satellite terminal 142 may be a vehicle terminal that implements satellite communication through the Tiantong satellite communication network (may be referred to as a vehicle Tiantong communication terminal), may be a vehicle terminal that implements satellite communication through the Beidou satellite communication network (may be referred to as a vehicle Beidou communication terminal), or may be a vehicle terminal that implements satellite communication through other satellite communication networks.

[0047] In addition to vehicle satellite terminals, such as Figure 2 As shown, the financial vehicle 140 further includes a vehicle control device 144. The vehicle control device 144 is used to control the operation of the vehicle. As an example, when the vehicle-mounted satellite terminal 142 issues a vehicle locking instruction, the vehicle control device 144 is responsible for receiving and processing the instruction, that is, the vehicle control device can control the vehicle locking based on the vehicle locking instruction. As an implementation method, the vehicle control device 144 will first receive the vehicle locking instruction, and verify and parse the instruction. Subsequently, the vehicle control device 144 will send a corresponding vehicle locking instruction to the door lock control system to execute the vehicle locking operation.

[0048] Optionally, the vehicle control device 144 will also synchronously update the vehicle's anti-theft system and alarm device to ensure that the vehicle is effectively protected when locked.

[0049] Optionally, by coordinating the door locks, the alarm system and the on-board communication module, the vehicle control device not only performs the vehicle locking operation but also ensures the safety and reliability of the vehicle locking process.

[0050] The present disclosure does not specifically limit the vehicle control device 144. The vehicle control device 144 may be an electronic control unit (ECU) used in a traditional fuel vehicle, or may be a core control unit of a new energy vehicle, namely a vehicle control unit (VCU).

[0051] It is worth noting that the signal compatibility between the satellite at the end of sending the vehicle lock command and the on-board satellite terminal needs to be considered. As an example, the Beidou system is compatible with common satellite navigation systems such as GPS and other common systems (such as GLONASS, Galileo, etc.). As a possible implementation method, a vehicle Beidou communication terminal equipped with a Beidou receiver can usually receive satellite signals from Beidou, GPS and other satellites (such as GLONASS, Galileo, etc.).

[0052] See again Figure 1 The vehicle information storage device (or platform) 160 is used to store the vehicle-related information of the financial vehicle 140. The disclosed embodiment does not specifically limit the type of the vehicle information storage device (or platform) 160. The vehicle information storage device (or platform) 160 can be a database of a financial institution or a cloud storage service platform. In addition, some financial institutions may use blockchain technology to store relevant information of financial vehicles. In this case, the vehicle information storage device (or platform) 160 can also be a network node for blockchain data storage.

[0053] like Figure 1 As shown, the vehicle-related information stored in the vehicle information storage device (or platform) 160 at least stores the unique identification of the vehicle, namely the vehicle identification number (VIN), and may also include the owner's information, such as name, contact information, address, etc. In addition to the above content, the vehicle-related information may also include loan details, such as actual repayment data, repayment plan, etc.

[0054] The above are the communication components, devices and platforms that may be involved in the locking operation involved in the embodiment of the present disclosure. It should be understood that the components included in the embodiment of the present disclosure are not limited to this, and other components added on this basis and similar operations are all covered within the protection scope of the embodiment of the present disclosure.

[0055] In order to implement the above-mentioned vehicle locking operation, the present disclosure embodiment proposes a remote vehicle locking method. Figure 3 , the remote vehicle locking method involved in the embodiment of the present disclosure is introduced in detail.

[0056] Figure 3 The method shown may be executed by a server, on which a VMS platform is deployed, for example. Figure 3 The method shown may include steps S310 to S330, which are described below.

[0057] In step S310, the actual repayment data of the vehicle is obtained.

[0058] In some embodiments, the server obtains the actual repayment data of the vehicle from the vehicle information storage device (or platform). As mentioned above, the actual repayment data of the financial vehicle can be stored in the database of the financial institution, or in the cloud storage service provided by the cloud service provider, or can be stored through the blockchain. The present disclosure embodiment does not limit this. When obtaining the actual repayment data, corresponding data acquisition methods can be adopted according to different storage platforms.

[0059] As an implementation method, the server may send a first request to the vehicle information storage device (or platform), and the first request may be used to request to obtain the actual repayment data of the vehicle. Afterwards, after receiving the first request, the vehicle information storage device (or platform) may send the actual repayment data of the vehicle to the server based on the first request.

[0060] In some embodiments, the first request may carry a vehicle identification (eg, a VIN code).

[0061] As another implementation method, the vehicle information storage device (or platform) can actively send the actual repayment data of the vehicle to the server regularly or periodically.

[0062] The embodiment of the present application does not specifically limit the content of the actual repayment data of the vehicle. For example, the actual repayment data of the vehicle may include one or more of the following information: the VIN code of the vehicle, the owner information, the repayment plan, the actual repayment amount, and the actual repayment date.

[0063] Optionally, the repayment plan may include the owner's repayment amount and repayment date for each period. The actual repayment amount may include the owner's most recent repayment amount, the cumulative repayment amount, etc. The actual repayment date may include the owner's most recent repayment date, the repayment date in the last six months, etc.

[0064] In some embodiments, if the vehicle is a vehicle purchased with a loan, the actual repayment data of the vehicle may refer to the loan data of the vehicle. In some embodiments, if the vehicle is a leased vehicle, the actual repayment data of the vehicle may refer to the rental payment data of the vehicle.

[0065] In step S320, it is determined whether the vehicle is overdue for repayment based on the actual repayment data of the vehicle.

[0066] As an implementation, the server may determine whether the vehicle is overdue for payment based on one or more of the following: a repayment plan, an actual repayment date, and an actual repayment amount.

[0067] For example, if the actual repayment amount of the actual repayment date before the current date (i.e., the date on which the actual repayment data is obtained) and closest to the current date is not less than the repayment amount required in the repayment plan, the server determines that the vehicle has repaid on time (i.e., has not repaid overdue); otherwise, the server determines that the vehicle is overdue for repayment.

[0068] For another example, if the actual repayment date before the current date (i.e., the date on which the actual repayment data is obtained) and closest to the current date is equal to or later than the repayment date closest to the current date required in the repayment plan, the server determines that the vehicle has repaid on time; otherwise, the server determines that the vehicle is overdue for repayment.

[0069] As an example, the repayment plan of vehicle A is: the repayment amount for each period is RMB 3,000, each natural month is one period, the repayment date for each period is the 1st of each natural month, and the repayment period is 2 years. The actual repayment data obtained on July 31st shows that the repayment amount on July 1st is RMB 3,000, so vehicle A repaid on schedule in July; for another example, the actual repayment data obtained on August 31st shows that the repayment data on August 1st is RMB 0, so vehicle A is overdue in August.

[0070] It should be understood that in the above examples, the repayment plans and repayment periods are illustrative only, and the actual setting and calculation methods of the repayment plans and periods are not limited to these.

[0071] In step S330, in response to the vehicle being overdue in payment, a vehicle lock instruction is sent to the vehicle via a satellite.

[0072] For example, if the server determines that the vehicle is overdue based on the vehicle's actual repayment data, the server can send a vehicle lock instruction to the vehicle via satellite. Alternatively, if the server determines that the vehicle has repaid on time based on the vehicle's actual repayment data, the server does not perform the remote vehicle lock operation.

[0073] As mentioned above, the embodiments of the present disclosure do not limit the type of satellite, which may be GPS, GLONASS, and BDS.

[0074] The embodiment of the present disclosure does not limit the form of sending the vehicle locking command. It can be sent in the form of voice, for example, the satellite can send the vehicle locking command to the vehicle in the form of voice transmission; the satellite can also send the vehicle locking command in the form of images or short videos, for example, with the support of high-throughput satellites, the satellite sends the vehicle locking command in the form of images via satellites.

[0075] In addition to the above transmission methods, the car lock command can also be sent through the satellite short message system. In other words, the car lock command can be sent through short messages, SMS and other text messages to save traffic and reduce costs. For example, the car lock command can be sent with the help of the highly reliable and low-cost Beidou-3 short message system.

[0076] Satellite remote communication systems face many risks and challenges, including data leakage, cyber attacks, and signal interference. For security reasons, the vehicle lock command can be sent in ciphertext to ensure that the transmitted data cannot be interpreted by unauthorized third parties even if it is intercepted, thereby protecting the confidentiality and integrity of the data; in addition, the ciphertext transmission method can also prevent the data from being tampered with during transmission to ensure the reliability of the data.

[0077] The encryption method of the car lock instruction is not limited in the embodiments of the present disclosure. As one way, the car lock instruction can be encrypted using a symmetric encryption method, for example, using the Data Encryption Standard (DES) algorithm for encryption. Using the same secret key for encryption and decryption of data has the advantage of fast encryption speed. As another way, the car lock instruction can be encrypted using asymmetric encryption technology. In other words, the encryption and decryption of the car lock instruction can be performed using a key pair (including a public key and a private key), wherein the public key is used to encrypt data and the private key is used to decrypt data. This method improves the security of the ciphertext.

[0078] The embodiments of the present application do not limit the information contained in the vehicle locking instruction. For example, the vehicle locking instruction may include indication information. The indication information is used to indicate one or more of the following: the reason for locking the vehicle, the due repayment time of the vehicle, and the expected repayment time.

[0079] In the disclosed embodiment, the reason for locking the vehicle may be related to overdue repayment. As an example, when the car owner fails to repay the loan after the repayment time set in the repayment plan arrives, the car owner may receive a car lock instruction, which includes instruction information, such as indicating the reason for locking the vehicle "failure to repay within the prescribed period". As another example, after receiving the prompt information (the prompt information includes the expected repayment time, which will be described in detail later), the car owner still fails to repay the vehicle within the expected vehicle repayment time, then the car owner may receive a car lock instruction, such as indicating the reason for locking the vehicle "failure to repay within the prescribed period, and failure to repay within the expected repayment time".

[0080] The due date of a vehicle refers to the time when the vehicle should pay the loan or the rent. The due date of a vehicle can be determined by negotiation between the financial institution or the leasing company and the vehicle owner, and can be known when the actual repayment data is obtained. In some embodiments, the due date of a vehicle can provide a reference for setting the expected vehicle repayment time.

[0081] Optionally, for some overdue payments due to car owners forgetting to repay and other non-subjective intentional overdue payments, out of human considerations, after determining that the vehicle is overdue, the server can send a reminder message to the vehicle owner to give the owner a second chance to repay. For example, the server can send a reminder message to the vehicle owner via satellite.

[0082] That is to say, in the event that the vehicle is overdue for repayment, the server can first send a reminder message to the owner, prompting the owner to repay the vehicle within the expected vehicle repayment time. If the owner still fails to repay on time within the period, the server can send a vehicle lock command to the vehicle via the satellite platform.

[0083] For the expected vehicle repayment time, the above-mentioned repayment time can be referred to, and the specific setting method is not limited in the embodiments of the present disclosure. In some embodiments, a fixed period can be added on the basis of the repayment time. For example, the repayment time is the 1st of this month, the expected vehicle repayment time is within a week based on this, and the expected vehicle repayment time is before the 8th of this month; for another example, when a financial institution or a leasing company has specific requirements for the expected vehicle repayment time, the expected vehicle repayment time can be set in accordance with their requirements. As an example, when the financial institution is not in a hurry to urge the car owner to repay, the expected vehicle repayment time can be set within a time limit acceptable to the financial institution, such as 1 month. Of course, when the financial institution hopes to strictly perform the repayment operation in accordance with the original repayment plan, the server can directly send a lock command to the vehicle via satellite if it determines that the vehicle is overdue for repayment.

[0084] The embodiment of the present application does not specifically limit the content of the prompt information. For example, the prompt information can be used to prompt the due repayment time of the vehicle and / or the expected repayment time of the vehicle.

[0085] The embodiments of the present disclosure do not limit the manner of sending the prompt information. Several implementations are exemplarily introduced below.

[0086] As an implementation method, the server may send a reminder message in the form of a satellite SMS reminder. As an example, the server may be set to automatically send a satellite SMS reminder, and start sending reminder messages after a certain number of days (such as 3 days) after the vehicle owner is overdue to remind the owner that the vehicle repayment is overdue. In some embodiments, as the number of overdue days increases, the frequency of reminders may also increase accordingly.

[0087] As another implementation method, the server can send reminder information to the vehicle through the voice channel of the satellite. As an example, after the owner is overdue, the owner can be reminded to repay the loan in time through voice prompts, voice calls, etc.

[0088] After sending the reminder message, if it is determined that the vehicle has not repaid the loan within the expected vehicle repayment period, the server may send a vehicle lock instruction to the vehicle via a satellite.

[0089] By providing reminders of instruction information, sufficient reminders and assistance are provided to car owners to avoid being forced to lock their cars due to non-subjective overdue payments or exceeding the due repayment period or expected repayment period, thereby reducing credit damage.

[0090] In some embodiments, the embodiments of the present application can be used as a supplementary means for remotely locking the vehicle via a cellular network. That is, the embodiments of the present application can use satellite transmission of vehicle locking instructions as a supplementary means for transmitting instructions via a cellular network.

[0091] As an implementation method, when the server remotely locks the vehicle, it preferentially uses the cellular network to send the lock command. For example, in response to the vehicle being overdue for payment, the server can send a lock command to the vehicle via the cellular network; thereafter, if the lock command sent based on the cellular network fails to execute, the service sends the lock command to the vehicle via satellite. In the case of poor cellular network signal or no coverage, satellite communication can be used as a supplement to cellular network communication to ensure the transmission of remote lock commands.

[0092] However, the embodiments of the present application are not limited thereto, and the locking instruction can also be sent directly via satellite communication. For example, the locking instruction can be sent using a BeiDou-3 short message. Since satellite communication has a wide coverage and is not restricted by ground networks, in areas where ground networks are not covered, the locking instruction can be sent to the vehicle via satellite to complete the locking operation.

[0093] In order to ensure that the server can know the execution status of the locking command, in the remote locking method provided by this application, the server and the vehicle can interact with each other to know the execution status of the locking command. Figure 4 Introduce this. Figure 4 The method is introduced from the perspective of interaction between the server and the vehicle.

[0094] Figure 4 The method shown includes steps S410 to S430.

[0095] In step S410, in response to the vehicle being overdue for payment, the server sends a vehicle lock instruction to the vehicle via a satellite.

[0096] For example, the server may send a vehicle lock command to the vehicle satellite terminal of the vehicle. After the vehicle satellite terminal receives the vehicle lock command sent by the server, as an implementation method, the vehicle satellite terminal may interact with the vehicle control device and decide whether to issue the vehicle lock command based on the interaction result. As an example, when the vehicle control device is an ECU, the vehicle satellite terminal interacts with the vehicle ECU for data. If the vehicle ECU reports that the current vehicle is in a locked state, the vehicle satellite terminal does not issue a vehicle lock command. If the ECU reports that the current vehicle is in an unlocked state, the vehicle satellite terminal issues a vehicle lock command to the vehicle ECU, and the vehicle ECU reports the vehicle lock result to the vehicle satellite terminal.

[0097] For the relevant introduction of sending the vehicle locking instruction in step S410, please refer to the introduction of step S330 above, and for the sake of brevity, it will not be repeated here.

[0098] In step S420, a confirmation instruction sent by the vehicle is received, wherein the confirmation instruction is used to indicate that the vehicle locking instruction is successfully received.

[0099] The embodiment of the present disclosure does not limit the sending form of the confirmation instruction. Corresponding to the sending form of the vehicle locking instruction described above, the sending form of the confirmation instruction can be video, picture, voice, short message, etc.

[0100] After the server sends the lock command to the vehicle via satellite, but does not receive the confirmation command from the vehicle, the possible reasons include: the lock command is not successfully sent to the vehicle, the lock command has been successfully sent to the vehicle, but the confirmation command from the vehicle fails to be sent. At this time, the satellite platform can send the lock command again until the confirmation command from the vehicle is received.

[0101] Optionally, when the vehicle receives multiple locking instructions in a short period of time, the satellite may repeatedly send the same locking instruction in order to ensure the successful sending of the locking instruction (based on the receipt of the vehicle's confirmation instruction). At this time, in addition to executing the locking instruction, the vehicle also needs to send a confirmation instruction to the satellite to prevent the satellite from sending multiple locking instructions continuously in a short period of time, resulting in a waste of satellite communication resources.

[0102] In step S430, the vehicle sends the vehicle locking result to the server.

[0103] For example, the vehicle satellite terminal can send the vehicle locking result to the server.

[0104] The embodiment of the present application does not limit the content of the vehicle locking result. Optionally, the vehicle locking result can be used to indicate one or more of the following: whether the vehicle locking is successfully executed based on the vehicle locking instruction, and the time when the vehicle is successfully locked.

[0105] Optionally, when the vehicle is locked successfully, the vehicle may send a locking result to the server, and the locking result may be used to indicate the success of locking the vehicle and / or the time of successful locking of the vehicle.

[0106] Optionally, when the vehicle fails to lock, the vehicle may also send a locking result to the server, and the locking result may be used to indicate the locking failure.

[0107] The embodiment of the present application does not limit the method for sending the locking result. As an example, the locking result is sent via a short message, and the content of the short message includes but is not limited to: "The vehicle with VIN code 1HGMLR-XXXXXX is locked successfully, and the locking time is: July 15, 2024". As another example, the vehicle locking result can be sent via voice, and the content of the voice broadcast can be: "The vehicle with VIN code 1HGMLR-XXXXXX failed to lock".

[0108] In some embodiments, the server may repeatedly send the vehicle locking instruction until a successful vehicle locking result is received to ensure that the vehicle locking operation is completed.

[0109] In some embodiments, if the vehicle is already in a locked state before the server sends a vehicle locking command, in this case, after the server sends the vehicle locking command, the vehicle can feedback the vehicle locking result to the server to indicate that the vehicle locking is completed.

[0110] The embodiments of the present disclosure do not limit the applicable objects of the remote vehicle locking method, which may be the road vehicles mentioned above, or non-road vehicles, or engineering machinery vehicles (such as mining vehicles).

[0111] It should be understood that the vehicle involved in the remote vehicle locking method of the embodiment of the present disclosure must be within the coverage of the satellite signal.

[0112] It should be understood that the vehicle involved in the remote vehicle locking method of the embodiment of the present disclosure must be equipped with a satellite communication device that can receive and send satellite signals.

[0113] It should be understood that the vehicle involved in the remote vehicle locking method of the embodiment of the present disclosure must be able to exchange data with at least one satellite platform.

[0114] As a method, after the vehicle's satellite terminal receives the vehicle locking command from the satellite platform, it executes the vehicle locking command by exchanging data with the vehicle's control device (as mentioned above, it can be ECU or VCU, not limited here).

[0115] In order to make the remote vehicle locking method involved in the embodiment of the present disclosure easier to understand, as an example, Beidou-3 is used as the satellite communication system, the Beidou-3 short message system is used as the method of sending the vehicle locking command, the vehicle's satellite communication terminal uses the Beidou communication terminal, the vehicle's control device uses the vehicle ECU, and the construction machinery vehicle is used as the object of remote locking, and the remote vehicle locking method of the embodiment of the present disclosure is introduced in detail.

[0116] Under the BeiDou-3 satellite navigation system, the VMS sends a vehicle locking command to the BeiDou communication terminal of the construction machinery vehicle via the BeiDou-3 satellite in the form of a BeiDou-3 short message.

[0117] After receiving the vehicle locking command from the Beidou-3 satellite, the vehicle's Beidou communication terminal responds to the Beidou-3 satellite in the form of a short message to confirm that the vehicle locking command has been received.

[0118] After receiving the vehicle lock command, the vehicle Beidou communication terminal exchanges data with the vehicle ECU. The interaction process between the vehicle Beidou communication terminal and the vehicle ECU includes: if the vehicle ECU feedbacks that the vehicle is currently in a locked state, the vehicle Beidou communication terminal does not issue a lock command; if the vehicle ECU feedbacks that the vehicle is currently in an unlocked state, the vehicle Beidou communication terminal issues a lock command to the vehicle ECU. Finally, the vehicle ECU feeds back the lock result to the Beidou communication terminal.

[0119] The vehicle's Beidou communication terminal feeds back the vehicle locking result to the Beidou-3 satellite.

[0120] The method embodiment of the present disclosure is described in detail above, and the device embodiment of the present disclosure is described in detail below. It should be understood that the description of the device embodiment corresponds to the description of the method embodiment, so what is not described in detail can be referred to in the previous method embodiment.

[0121] like Figure 5 , which is a schematic diagram of a remote vehicle locking device according to an embodiment of the present disclosure. The vehicle locking device 500 includes an acquisition module 510, a determination module 520, and a sending module 530. The acquisition module is used to acquire the actual repayment data of the vehicle; the determination module is used to determine whether the vehicle is overdue for repayment based on the actual repayment data acquired; and the sending module is used to send a vehicle locking instruction to the vehicle via a satellite when it is determined that the vehicle is overdue for repayment.

[0122] The disclosed embodiment also provides a remote vehicle locking device. Figure 6 , which is a schematic diagram of the structure of a remote car locking device 600. The car locking device 600 includes at least a memory 610 and a processor 620. The memory stores all computer programs running on the processor, and when all computer programs are executed by the processor, the steps of the above-mentioned remote car locking method can be implemented.

[0123] It should be understood that in the embodiment of the present disclosure, the processor 620 can adopt a general central processing unit (CPU), a microprocessor, an application specific integrated circuit (ASIC), or one or more integrated circuits to execute relevant programs to implement the technical solutions provided by the embodiment of the present disclosure.

[0124] The memory 610 may include a read-only memory and a random access memory, and provides instructions and data to the processor 620. A portion of the processor 620 may also include a nonvolatile random access memory. For example, the processor 620 may also store information on the device type.

[0125] In the implementation process of the remote locking device 600, the remote locking method involved in the remote locking device 600 can be completed by the hardware integrated logic circuit in the processor 620 or the instruction in the form of software. The method for limiting satellite communication disclosed in conjunction with the embodiment of the present disclosure can be directly embodied as a hardware processor for execution, or a combination of hardware and software modules in the processor for execution. The software module can be located in a mature storage medium in the art such as a random access memory, a flash memory, a read-only memory, a programmable read-only memory or an electrically erasable programmable memory, a register, etc. The storage medium is located in the memory 610, and the processor 620 reads the information in the memory 610 and completes the steps of the above method in combination with its hardware. To avoid repetition, it will not be described in detail here.

[0126] It should be understood that in the embodiments of the present disclosure, "B corresponding to A" means that B is associated with A, and B can be determined according to A. However, it should also be understood that determining B according to A does not mean determining B only according to A, and B can also be determined according to A and / or other information.

[0127] It should be understood that the term "and / or" in this article is only a description of the association relationship of the associated objects, indicating that there can be three relationships. For example, A and / or B can represent: A exists alone, A and B exist at the same time, and B exists alone. In addition, the character " / " in this article generally indicates that the associated objects before and after are in an "or" relationship.

[0128] It should be understood that in the various embodiments of the present disclosure, the size of the serial numbers of the above-mentioned processes does not mean the order of execution. 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 disclosure.

[0129] In the several embodiments provided in the present disclosure, it should be understood that the disclosed systems, devices and methods can be implemented in other ways. For example, the device embodiments described above are only schematic. For example, the division of the units is only a logical function division. There may be other division methods in actual implementation, such as multiple units or components can be combined or integrated into another system, or some features can be ignored or not executed. Another point is that the mutual coupling or direct coupling or communication connection shown or discussed can be through some interfaces, indirect coupling or communication connection of devices or units, which can be electrical, mechanical or other forms.

[0130] The units described as separate components may or may not be physically separated, and the components shown as units may or may not be physical units, that is, they may be located in one place or distributed on multiple network units. Some or all of the units may be selected according to actual needs to achieve the purpose of the solution of this embodiment.

[0131] In addition, each functional unit in each embodiment of the present application may be integrated into one processing unit, or each unit may exist physically separately, or two or more units may be integrated into one unit.

[0132] 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 the computer program instructions are loaded and executed on a computer, the process or function described in the embodiment of the present application is generated in whole or in part. The computer may be a general-purpose computer, a special-purpose computer, a computer network, or other programmable device. The computer instructions may 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 may be transmitted from a website site, computer, server or data center by wired (e.g., coaxial cable, optical fiber, digital subscriber line (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 may be any available medium that can be read by a computer or a data storage device such as a server or data center that includes one or more available media integrated. The available medium may be a magnetic medium (eg, a floppy disk, a hard disk, a magnetic tape), an optical medium (eg, a digital video disc (DVD)), or a semiconductor medium (eg, a solid state disk (SSD)).

[0133] The above is only a specific embodiment of the present disclosure, but the protection scope of the present application is not limited thereto. Any person skilled in the art who is familiar with the present technical field can easily think of changes or substitutions within the technical scope disclosed in the present disclosure, which should be included in the protection scope of the present disclosure. Therefore, the protection scope of the present disclosure should be based on the protection scope of the claims.

Claims

1. A remote locking method for a vehicle, characterized in that: The vehicle is a vehicle purchased with a loan or a leased vehicle, and the remote vehicle locking method includes: Obtaining actual repayment data of the vehicle; Determining whether the vehicle is overdue for repayment based on the actual repayment data of the vehicle; In response to the vehicle being overdue in repayment, a vehicle lock instruction is sent to the vehicle via a satellite.

2. The remote vehicle locking method according to claim 1, characterized in that: The vehicle locking instruction is sent via the short message system of the satellite.

3. The remote vehicle locking method according to claim 2, characterized in that: The vehicle locking instruction includes instruction information, and the instruction information is used to indicate one or more of the following: The reason for locking the vehicle; The due date for repayment of the vehicle; The expected time to pay off the vehicle.

4. The remote vehicle locking method according to any one of claims 1 to 3, characterized in that: The step of sending a vehicle lock instruction to the vehicle via a satellite in response to the vehicle failing to repay the loan on time includes: In response to the vehicle being overdue for repayment, sending a reminder message to the owner of the vehicle through the voice channel of the satellite, the reminder message being used to remind the owner of the vehicle of the due repayment time and / or the expected repayment time of the vehicle; After sending the prompt information, if it is determined that the vehicle has not repaid the loan within the expected vehicle repayment time, the vehicle locking instruction is sent to the vehicle via the satellite.

5. The remote vehicle locking method according to any one of claims 1 to 3, characterized in that: The step of sending a vehicle lock instruction to the vehicle via a satellite in response to the vehicle failing to repay the loan on time includes: In response to the vehicle being overdue for payment, sending the vehicle lock instruction to the vehicle via a cellular network; If the vehicle locking instruction sent based on the cellular network fails to execute the vehicle locking instruction, the vehicle locking instruction is sent to the vehicle via the satellite.

6. The remote vehicle locking method according to any one of claims 1 to 3, characterized in that: The vehicle locking instruction is sent in ciphertext.

7. The remote vehicle locking method according to any one of claims 1 to 3, characterized in that: After the step of sending a vehicle locking instruction to the vehicle via a satellite in response to the vehicle being overdue for payment, the remote vehicle locking method further includes: receiving a confirmation instruction sent by the vehicle, the confirmation instruction being used to indicate that the vehicle locking instruction is successfully received; and / or A vehicle locking result sent by the vehicle is received, where the vehicle locking result is used to indicate one or more of the following: whether the vehicle locking is successfully executed based on the vehicle locking instruction, and the time when the vehicle is successfully locked.

8. The remote vehicle locking method according to any one of claims 1 to 3, characterized in that: The vehicle includes one or more of the following: an engineering machinery vehicle and a non-road vehicle.

9. A remote locking device for a vehicle, characterized in that: The vehicle is a vehicle purchased with a loan or a leased vehicle, and the remote vehicle locking device includes: An acquisition module, used to acquire actual repayment data of the vehicle; A determination module, used to determine whether the vehicle is overdue for repayment based on the actual repayment data of the vehicle; The sending module is used to send a vehicle locking instruction to the vehicle via a satellite in response to the vehicle failing to repay the loan on time.

10. A remote locking device for a vehicle, characterized in that: The vehicle is a vehicle purchased with a loan or a leased vehicle, and the remote vehicle locking device includes: a memory and a processor, the memory stores a computer program that can be run on the processor, and when the computer program is executed by the processor, the steps of the remote vehicle locking method of any one of claims 1 to 8 are implemented.

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