Automobile monitoring method, system and equipment for automobile finance

Abstract

The invention discloses an automobile monitoring method, system and device for automobile finance, and the method comprises the steps: responding to a received vehicle use protocol uploaded by a target mechanism, analyzing the vehicle use protocol, and obtaining a target vehicle and a target vehicle limit; according to the target vehicle, obtaining a target vehicle object corresponding to the target vehicle on the vehicle monitoring block chain through the unique identifier of the target vehicle; according to the target vehicle object and the target vehicle restriction, updating a binding relationship between the target vehicle restriction and the target vehicle object to the vehicle monitoring block chain; target vehicle operation data sent by the target vehicle are received, and whether the target vehicle operation data violate the target vehicle limitation is judged; and when the target vehicle operation data violates the target vehicle limitation, obtaining a first mechanism corresponding to the target vehicle, and issuing the target vehicle operation data to a first branch chain corresponding to the first mechanism. And the contradiction between the privacy of the user renting the vehicle and the rights and interests of the vehicle renting company is solved.

Description

Technical Field

[0001] The present application relates to the field of financial management technology, and in particular to a vehicle monitoring method, system and device for automobile finance. Background Art

[0002] With the development of social economy and the acceleration of urbanization, the vehicle rental industry has gradually become an important part of the modern transportation system. Vehicle rental services not only provide users with a flexible and convenient way to travel, but also effectively alleviate urban traffic pressure and optimize the allocation of transportation resources. In the traditional vehicle rental model, rental companies usually need to manually manage vehicle allocation, scheduling, maintenance and customer information. Although this manual management method meets the needs to a certain extent, with the increase in market demand, the traditional model faces a series of problems such as high management complexity, low efficiency and high operating costs.

[0003] In recent years, with the rapid development of information technology, especially the widespread application of Internet technology and Internet of Things technology, the vehicle rental industry has begun to transform towards digitalization and intelligence. Many rental companies have begun to adopt management systems based on cloud computing platforms and mobile Internet, and use intelligent equipment and management platforms to achieve real-time monitoring, scheduling and management of vehicles. The operating status, rental records, customer information, etc. of the vehicle can be viewed and managed in real time through the online platform, thereby improving the efficiency and accuracy of vehicle management. However, the existing vehicle rental management system still has some shortcomings. Some vehicle rental companies have certain risks in data security, system stability and user privacy protection.

[0004] Existing post-rental vehicle management generally relies on on-board positioning devices to track the location, status and other information of the vehicle in real time. For users who rent vehicles, there are problems with privacy protection. If the vehicle is not tracked in real time, it is impossible to obtain whether the user has violated any regulations when using the vehicle, making it difficult to protect the rights and interests of the vehicle rental company. Summary of the invention

[0005] The present invention provides a car monitoring method, system and device for car finance, which at least solves the problem that the existing post-rental management of vehicles generally needs to rely on vehicle-mounted positioning equipment to track the location, status and other information of the vehicle in real time. For users of rented vehicles, there are problems with privacy protection. If the vehicle is not tracked in real time, it is impossible to obtain whether the user has violated the rules when using the vehicle, and it is difficult to protect the rights and interests of the vehicle rental company. A rental car detection solution that can balance the rights and interests of users and vehicle rental companies is provided.

[0006] A vehicle monitoring method for automobile finance comprises the following steps:

[0007] In response to receiving a vehicle use agreement uploaded by a target organization, parsing the vehicle use agreement to obtain a target vehicle and target vehicle restrictions;

[0008] According to the target vehicle, obtaining a target vehicle object corresponding to the target vehicle on the vehicle monitoring blockchain through a unique identifier of the target vehicle;

[0009] According to the target vehicle object and the target vehicle restriction, updating the binding relationship between the target vehicle restriction and the target vehicle object to the vehicle monitoring blockchain;

[0010] receiving target vehicle operation data sent by the target vehicle, and determining whether the target vehicle operation data violates the target vehicle restriction;

[0011] When the target vehicle operation data violates the target vehicle restriction, the first institution corresponding to the target vehicle is obtained, and the target vehicle operation data is published to the first branch chain corresponding to the first institution, where the first institution refers to the institution that registers the ownership of the target vehicle in the vehicle monitoring blockchain.

[0012] Optionally, in response to receiving a vehicle use agreement uploaded by a target organization, parsing the vehicle use agreement to obtain a target vehicle and target vehicle restrictions includes:

[0013] In response to receiving a vehicle use agreement uploaded by a target organization, parsing the vehicle use agreement to obtain a target vehicle and at least one vehicle use rule;

[0014] According to the target vehicle and at least one vehicle use rule, in combination with GIS information, target vehicle restrictions are obtained, wherein the target vehicle restrictions are configured to include at least restricted coordinate data and target vehicle operation restrictions corresponding to the restricted coordinate data.

[0015] Optionally, obtaining the target vehicle restriction according to the target vehicle and at least one vehicle use rule in combination with GIS information includes:

[0016] According to at least one vehicle use rule, obtaining a target use area of ​​the target vehicle;

[0017] According to the target use area, combined with GIS information, obtain the area restriction information of the target use area;

[0018] According to the target vehicle and the area restriction information of the target usage area, a target vehicle restriction is obtained.

[0019] Optionally, the receiving target vehicle operation data sent by the target vehicle and determining whether the target vehicle operation data violates the target vehicle restriction includes:

[0020] Receiving target vehicle operation data sent by the target vehicle, and obtaining a target vehicle object corresponding to the target vehicle according to a unique identifier of the target vehicle;

[0021] According to the target vehicle object, obtaining a target vehicle restriction bound to the target vehicle object;

[0022] The smart contract in the vehicle monitoring blockchain is called to determine whether the target vehicle operation data violates the target vehicle restrictions. The smart contract in the vehicle monitoring blockchain is configured to parse the target vehicle operation data according to the target vehicle operation data and the target vehicle restrictions, obtain the operation status of the target vehicle and the operation coordinates corresponding to the operation status, and after matching the restricted coordinate data according to the operation coordinates, determine whether the operation status of the target vehicle violates the target vehicle operation restrictions corresponding to the restricted coordinate data to determine whether the target vehicle operation data violates the target vehicle restrictions.

[0023] Optionally, also include:

[0024] When the target vehicle operating data does not violate the target vehicle restrictions, encrypted operating data is obtained at least in part based on the target vehicle operating data, and the encrypted operating data is updated to the vehicle monitoring blockchain.

[0025] Optionally, also include:

[0026] When the target vehicle operation data violates the target vehicle restriction, analyzing the violation behavior of the target vehicle;

[0027] Obtaining penalty measures based on the violation of the target vehicle and the vehicle use agreement;

[0028] According to the vehicle use agreement, obtaining a target user who uses the target vehicle;

[0029] Obtain a target user object corresponding to the target user on the vehicle monitoring blockchain according to the unique identifier of the target user;

[0030] According to the target user object and the penalty measure, a binding relationship between the penalty measure and the target user object is updated to the vehicle monitoring blockchain.

[0031] Optionally, after the step of acquiring a first mechanism corresponding to the target vehicle and publishing the target vehicle operation data to a first branch chain corresponding to the first mechanism when the target vehicle operation data violates the target vehicle restriction, the step further includes:

[0032] In response to the target vehicle operation data being published to the first branch chain corresponding to the first mechanism, the smart contract in the first branch chain is called, an auxiliary data collection request is sent to the target vehicle, and audio and video information sent by the target vehicle in response to the auxiliary data collection request is received.

[0033] In yet another aspect, a vehicle monitoring system for automobile finance includes a vehicle monitoring platform and a data storage platform;

[0034] The vehicle monitoring platform is configured as follows:

[0035] In response to receiving a vehicle use agreement uploaded by a target organization, parsing the vehicle use agreement to obtain a target vehicle and target vehicle restrictions;

[0036] According to the target vehicle, obtaining a target vehicle object corresponding to the target vehicle on the vehicle monitoring blockchain through a unique identifier of the target vehicle;

[0037] According to the target vehicle object and the target vehicle restriction, updating the binding relationship between the target vehicle restriction and the target vehicle object to the vehicle monitoring blockchain;

[0038] Receiving target vehicle operation data sent by the target vehicle, calling the smart contract in the vehicle monitoring blockchain, and determining whether the target vehicle operation data violates the target vehicle restriction;

[0039] When the target vehicle operation data violates the target vehicle restriction, the first institution corresponding to the target vehicle is obtained, and the target vehicle operation data is published to the first branch chain corresponding to the first institution, where the first institution refers to the institution that registers the ownership of the target vehicle in the vehicle monitoring blockchain;

[0040] The data storage platform is configured as follows:

[0041] Store the relevant data of the vehicle monitoring blockchain.

[0042] Optionally, in response to receiving a vehicle use agreement uploaded by a target organization, parsing the vehicle use agreement to obtain a target vehicle and target vehicle restrictions includes:

[0043] In response to receiving a vehicle use agreement uploaded by a target organization, parsing the vehicle use agreement to obtain a target vehicle and at least one vehicle use rule;

[0044] Obtaining target vehicle restrictions based on the target vehicle and at least one vehicle use rule in combination with GIS information, the target vehicle restrictions being configured to include at least restricted coordinate data and target vehicle operation restrictions corresponding to the restricted coordinate data;

[0045] The receiving target vehicle operation data sent by the target vehicle, calling the smart contract in the vehicle monitoring blockchain, and determining whether the target vehicle operation data violates the target vehicle restriction include:

[0046] Receiving target vehicle operation data sent by the target vehicle, and obtaining a target vehicle object corresponding to the target vehicle according to a unique identifier of the target vehicle;

[0047] According to the target vehicle object, obtaining a target vehicle restriction bound to the target vehicle object;

[0048] The smart contract in the vehicle monitoring blockchain is called to parse the target vehicle operation data according to the target vehicle operation data and the target vehicle restrictions, obtain the operation status of the target vehicle and the operation coordinates corresponding to the operation status, and after matching the restricted coordinate data with the operation coordinates, determine whether the operation status of the target vehicle violates the target vehicle operation restrictions corresponding to the restricted coordinate data.

[0049] On the other hand, a computer device is provided. The computer device includes a memory and a processor. The memory stores a computer program. The processor executes the computer program to implement the above method.

[0050] On the other hand, a computer storage medium is provided, wherein a computer program is stored on the computer storage medium, and a processor executes the computer program to implement the above method.

[0051] Compared with the prior art, the present invention has the following advantages and beneficial effects:

[0052] The present invention provides a vehicle monitoring method, system and device for automobile finance, comprising: in response to receiving a vehicle use agreement uploaded by a target institution, parsing the vehicle use agreement, obtaining a target vehicle and a target vehicle restriction; according to the target vehicle, obtaining a target vehicle object corresponding to the target vehicle on a vehicle monitoring blockchain through a unique identifier of the target vehicle; according to the target vehicle object and the target vehicle restriction, updating the binding relationship between the target vehicle restriction and the target vehicle object to the vehicle monitoring blockchain; receiving target vehicle operation data sent by the target vehicle, and judging whether the target vehicle operation data violates the target vehicle restriction; when the target vehicle operation data violates the target vehicle restriction, obtaining a first institution corresponding to the target vehicle, and publishing the target vehicle operation data to a first branch chain corresponding to the first institution, wherein the first institution refers to an institution that registers the ownership of the target vehicle in the vehicle monitoring blockchain. At least the existing post-rental vehicle management generally needs to rely on vehicle-mounted positioning equipment to track the location, status and other information of the vehicle in real time. For users of rented vehicles, there are problems with privacy protection. If the vehicle is not tracked in real time, it is impossible to obtain whether the user has violated the rules when using the vehicle, and it is difficult to protect the rights and interests of the vehicle rental company. A rental car detection solution that can balance the rights and interests of users and vehicle rental companies is provided. BRIEF DESCRIPTION OF THE DRAWINGS

[0053] In order to more clearly illustrate the specific implementation of the present application or the technical solution in the prior art, the following is a brief introduction to the drawings required for the specific implementation or the prior art description. In all drawings, similar elements or parts are generally identified by similar reference numerals. In the drawings, each element or part is not necessarily drawn according to the actual scale.

[0054] Figure 1 A schematic diagram of a process of a vehicle monitoring method for automobile finance in this application;

[0055] Figure 2 This is a schematic diagram of the structure of a computer device in this application.

[0056] Markings in the figure: 101 - processor, 102 - communication bus, 103 - network interface, 104 - user interface, 105 - memory.

[0057] The realization of the purpose, functional features and advantages of this application will be further explained in conjunction with embodiments and with reference to the accompanying drawings. DETAILED DESCRIPTION

[0058] In order to enable those skilled in the art to better understand the scheme of the present disclosure, the technical scheme 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, not all of the embodiments. Based on the embodiments in the present disclosure, all other embodiments obtained by ordinary technicians in the field without creative work should fall within the scope of protection of the present disclosure.

[0059] It should be noted that the terms "first", "second", etc. in the specification and claims of the present disclosure and the above-mentioned drawings are used to distinguish similar objects, and are not necessarily used to describe a specific order or sequence. It should be understood that the data used in this way can be interchangeable where appropriate, so that the embodiments of the present disclosure described herein can be implemented in an order other than those illustrated or described herein. In addition, the terms "including" and "having" and any variations thereof are intended to cover non-exclusive inclusions, for example, a process, method, system, product, or device that includes a series of steps or units is not necessarily limited to those steps or units that are clearly listed, but may include other steps or units that are not clearly listed or inherent to these processes, methods, products, or devices.

[0060] Example 1

[0061] like Figure 1 As shown, a vehicle monitoring method for automobile finance includes the following steps:

[0062] S1. In response to receiving a vehicle use agreement uploaded by a target organization, parsing the vehicle use agreement, and obtaining a target vehicle and target vehicle restrictions.

[0063] Optionally, the target organization may be a user who rents a vehicle, or a car rental company or a car rental agency, and the uploaded vehicle use agreement must be confirmed by at least the user who rents the vehicle and the car rental company.

[0064] Optionally, the vehicle use agreement may be a document such as a vehicle lease contract or an additional document to the contract.

[0065] Optionally, the method for parsing the vehicle use agreement and obtaining the target vehicle and target vehicle restrictions may be to parse the vehicle use agreement through natural language recognition technology, obtain the target vehicle through a unique vehicle identifier such as a vehicle number or license plate number in the vehicle use agreement, and obtain the target vehicle restrictions through contract terms in the vehicle use agreement, such as vehicle use location, speed limit and other terms.

[0066] S2. According to the target vehicle, obtain the target vehicle object corresponding to the target vehicle on the vehicle monitoring blockchain through the unique identifier of the target vehicle.

[0067] Specifically, the target vehicle object is an object set on the vehicle monitoring blockchain that matches the target vehicle one by one.

[0068] Optionally, the unique identifier of the target vehicle may be a vehicle serial number or a license plate number.

[0069] S3. According to the target vehicle object and the target vehicle restriction, the binding relationship between the target vehicle restriction and the target vehicle object is updated to the vehicle monitoring blockchain.

[0070] Optionally, when the binding relationship between the target vehicle restriction and the target vehicle object is updated to the vehicle monitoring blockchain, the vehicle monitoring blockchain performs authentication according to the vehicle usage agreement to ensure that the content to be published has at least the digital signatures of the user who rents the vehicle and the car rental company.

[0071] S4. Receive target vehicle operation data sent by the target vehicle, and determine whether the target vehicle operation data violates target vehicle restrictions.

[0072] Specifically, the target vehicle operation data is received through the vehicle monitoring blockchain, and the smart contract in the vehicle monitoring blockchain is used to determine whether the target vehicle operation data violates the target vehicle restrictions. The vehicle monitoring blockchain is configured to not allow the car rental company to directly view the target vehicle operation data.

[0073] Optionally, the target vehicle operation data includes target vehicle positioning, target vehicle speed, target vehicle driving direction and other data related to the use and operation of the target vehicle. Based on these data, it is determined whether the target vehicle operation data violates the target vehicle restrictions. For example, if the target vehicle is restricted to use within Chengdu, it can be determined whether the target vehicle is within Chengdu based on the target vehicle positioning.

[0074] S5. When the target vehicle operation data violates the target vehicle restriction, the first mechanism corresponding to the target vehicle is obtained, and the target vehicle operation data is published to the first branch chain corresponding to the first mechanism.

[0075] Specifically, the first institution refers to the institution that registers the ownership of the target vehicle in the vehicle monitoring blockchain, that is, the first institution refers to the car rental company.

[0076] With the above solution, the vehicle operation data is first transmitted to a trusted blockchain. When the smart contract on the blockchain determines that the vehicle operation data is abnormal, the abnormal data is published to the branch chain corresponding to the car rental company for the car rental company to view. At least it solves the problem that the existing post-rental vehicle management generally relies on the vehicle-mounted positioning device to track the location, status and other information of the vehicle in real time. For users of rented vehicles, there are problems with privacy protection. If the vehicle is not tracked in real time, it is impossible to obtain whether the user has violated the rules when using the vehicle, and it is difficult to protect the rights and interests of the vehicle rental company. It provides a rental car detection solution that can balance the rights and interests of users and vehicle rental companies.

[0077] Example 2

[0078] This embodiment is based on the first embodiment, and is a vehicle monitoring method for automobile finance, comprising the following steps:

[0079] S1. In response to receiving a vehicle use agreement uploaded by a target organization, parsing the vehicle use agreement, and obtaining a target vehicle and target vehicle restrictions.

[0080] Optionally, the target organization may be a user who rents a vehicle, or a car rental company or a car rental agency, and the uploaded vehicle use agreement must be confirmed by at least the user who rents the vehicle and the car rental company.

[0081] Optionally, the vehicle use agreement may be a document such as a vehicle lease contract or an additional document to the contract.

[0082] Optionally, the method for parsing the vehicle use agreement and obtaining the target vehicle and target vehicle restrictions may be to parse the vehicle use agreement through natural language recognition technology, obtain the target vehicle through a unique vehicle identifier such as a vehicle number or license plate number in the vehicle use agreement, and obtain the target vehicle restrictions through contract terms in the vehicle use agreement, such as vehicle use location, speed limit and other terms.

[0083] S2. According to the target vehicle, obtain the target vehicle object corresponding to the target vehicle on the vehicle monitoring blockchain through the unique identifier of the target vehicle.

[0084] Specifically, the target vehicle object is an object set on the vehicle monitoring blockchain that matches the target vehicle one by one.

[0085] Optionally, the unique identifier of the target vehicle may be a vehicle serial number or a license plate number.

[0086] S3. According to the target vehicle object and the target vehicle restriction, the binding relationship between the target vehicle restriction and the target vehicle object is updated to the vehicle monitoring blockchain.

[0087] Optionally, when the binding relationship between the target vehicle restriction and the target vehicle object is updated to the vehicle monitoring blockchain, the vehicle monitoring blockchain performs authentication according to the vehicle usage agreement to ensure that the content to be published has at least the digital signatures of the user who rents the vehicle and the car rental company.

[0088] Optionally, in response to receiving a vehicle use agreement uploaded by a target organization, parsing the vehicle use agreement, and obtaining a target vehicle and target vehicle restrictions include:

[0089] In response to receiving a vehicle use agreement uploaded by a target organization, parsing the vehicle use agreement to obtain a target vehicle and at least one vehicle use rule;

[0090] According to the target vehicle and at least one vehicle use rule, in combination with the GIS information, target vehicle restrictions are obtained, and the target vehicle restrictions are configured to include at least restricted coordinate data and target vehicle operation restrictions corresponding to the restricted coordinate data.

[0091] Optionally, based on the target vehicle and at least one vehicle use rule, combined with GIS information, target vehicle restrictions are obtained, including:

[0092] According to at least one vehicle use rule, obtaining a target use area of ​​the target vehicle;

[0093] According to the target use area, combined with GIS information, obtain the area restriction information of the target use area;

[0094] According to the area restriction information of the target vehicle and the target usage area, the target vehicle restriction is obtained.

[0095] Specifically, according to at least one vehicle use rule, the target use area of ​​the target vehicle is Chengdu;

[0096] According to the target use area, combined with GIS information, the regional restriction information of the target use area is obtained, such as Chengdu’s vehicle tail number restriction information, no parking section information, section speed limit information, etc. This information is stored in the corresponding GIS information of Chengdu. Through the above method, the regional restriction information of a fixed area can be quickly imported without manual entry.

[0097] Specifically, a pseudo code example to implement the above method:

[0098]

[0099]

[0100]

[0101] In the above pseudo code, the vehicle class (Vehicle) contains the basic information of the vehicle, such as the license plate number, vehicle type, and vehicle usage rules;

[0102] The AreaRestriction class is used to store restriction information for different cities, including restriction types, such as license plate number restrictions, speed limits, and no parking, and specific restriction contents, such as license plate number restrictions, speed limit values, etc.

[0103] The GIS information database class (GISDatabase) is used to simulate the database that stores GIS information and provides the functions of adding and querying area restriction information;

[0104] get_target_area is used to determine the target usage area according to the vehicle usage rules, such as Chengdu;

[0105] check_vehicle_compliance is used to check whether the vehicle complies with the restrictions of the area based on the vehicle's specific information, such as the last number of the license plate and the vehicle type;

[0106] get_vehicle_restriction is used to combine the above two steps to query and return the restriction information of the vehicle in the target area.

[0107] S4. Receive target vehicle operation data sent by the target vehicle, and determine whether the target vehicle operation data violates target vehicle restrictions.

[0108] Specifically, the target vehicle operation data is received through the vehicle monitoring blockchain, and the smart contract in the vehicle monitoring blockchain is used to determine whether the target vehicle operation data violates the target vehicle restrictions. The vehicle monitoring blockchain is configured to not allow the car rental company to directly view the target vehicle operation data.

[0109] Optionally, the target vehicle operation data includes target vehicle positioning, target vehicle speed, target vehicle driving direction and other data related to the use and operation of the target vehicle. Based on these data, it is determined whether the target vehicle operation data violates the target vehicle restrictions. For example, if the target vehicle is restricted to use within Chengdu, it can be determined whether the target vehicle is within Chengdu based on the target vehicle positioning.

[0110] Optionally, receiving target vehicle operation data sent by the target vehicle, and determining whether the target vehicle operation data violates target vehicle restrictions, includes:

[0111] Receiving target vehicle operation data sent by the target vehicle, and obtaining a target vehicle object corresponding to the target vehicle according to a unique identifier of the target vehicle;

[0112] According to the target vehicle object, obtaining the target vehicle restriction bound to the target vehicle object;

[0113] The smart contract in the vehicle monitoring blockchain is called to determine whether the target vehicle operation data violates the target vehicle restrictions. The smart contract in the vehicle monitoring blockchain is configured to parse the target vehicle operation data according to the target vehicle operation data and the target vehicle restrictions, obtain the operation status of the target vehicle and the operation coordinates corresponding to the operation status, and after matching the restricted coordinate data according to the operation coordinates, determine whether the operation status of the target vehicle violates the target vehicle operation restrictions corresponding to the restricted coordinate data to determine whether the target vehicle operation data violates the target vehicle restrictions.

[0114] Smart contracts are computer protocols stored on the blockchain that automatically execute contract terms in code and automatically perform related actions when pre-set conditions are met. These contracts are designed to be tamper-proof and transparent, ensuring that all parties have consistent trust in the execution results of the contract.

[0115] The smart contract in the vehicle monitoring blockchain is configured to parse the vehicle operation data when newly released vehicle operation data is detected on the vehicle monitoring blockchain, obtain the vehicle object corresponding to the vehicle operation data, obtain the vehicle restrictions bound to the vehicle object based on the vehicle object, and then determine whether the vehicle operation data violates the vehicle restrictions. The judgment logic is to prioritize the coordinates of the vehicle, and then obtain the vehicle operation restrictions corresponding to the coordinates based on the vehicle coordinates to determine whether the target vehicle operation data violates the target vehicle restrictions.

[0116] Specifically, a pseudo code example to implement the above method:

[0117]

[0118]

[0119]

[0120]

[0121] The vehicle class (Vehicle) is used to store the vehicle's unique identifier, license plate number, and vehicle restriction information. Restriction information includes license plate number restrictions, speed limits, etc.

[0122] The vehicle operation data class (VehicleData) is used to save the operation data sent by the target vehicle, including timestamp, position, speed and status;

[0123] The VehicleRestriction class is used to represent the restriction information of a vehicle, including the restriction type, such as license plate number restriction, speed limit, no parking, etc., and the specific restriction content;

[0124] Smart Contract is used to simulate smart contracts in the blockchain, receive vehicle operation data and restriction information, and determine whether restrictions are violated. It makes judgments based on different types of restrictions, such as license plate restrictions, speed limits, and no parking.

[0125] Vehicle Monitoring System class (VehicleMonitoringSystem) is used to process the operating data sent by the target vehicle, and determine whether the target vehicle violates the restrictions by combining the vehicle database and smart contracts;

[0126] The vehicle database class (VehicleDatabase) is used to store vehicle information and provide quick query function through vehicle ID.

[0127] S5. When the target vehicle operation data violates the target vehicle restriction, the first mechanism corresponding to the target vehicle is obtained, and the target vehicle operation data is published to the first branch chain corresponding to the first mechanism.

[0128] Specifically, the first institution refers to the institution that registers the ownership of the target vehicle in the vehicle monitoring blockchain, that is, the first institution refers to the car rental company.

[0129] Optionally, also include:

[0130] When the target vehicle operating data does not violate the target vehicle restrictions, encrypted operating data is obtained at least in part based on the target vehicle operating data, and the encrypted operating data is updated to the vehicle monitoring blockchain.

[0131] By adopting the above method, the target vehicle operation data can be stored for review when needed.

[0132] Optionally, also include:

[0133] When the target vehicle operation data violates the target vehicle restrictions, analyze the target vehicle's violation behavior;

[0134] Obtain penalties based on the target vehicle's violations and vehicle use agreement;

[0135] According to the vehicle use agreement, obtain the target user who uses the target vehicle;

[0136] Obtain a target user object corresponding to the target user on the vehicle monitoring blockchain according to the unique identifier of the target user;

[0137] According to the target user object and the penalty measure, the binding relationship between the penalty measure and the target user object is updated to the vehicle monitoring blockchain.

[0138] Optionally, when the target vehicle operation data violates the target vehicle restriction, after the step of obtaining the first mechanism corresponding to the target vehicle and publishing the target vehicle operation data to the first branch chain corresponding to the first mechanism, the method further includes:

[0139] In response to the target vehicle operation data being published to the first branch chain corresponding to the first organization, the smart contract in the first branch chain is called, an auxiliary data collection request is sent to the target vehicle, and audio and video information sent by the target vehicle in response to the auxiliary data collection request is received.

[0140] By adopting the above method, the audio and video data of the target vehicle when the operating data of the target vehicle violates the restrictions of the target vehicle can be collected through the sensors on the target vehicle, so as to assist relevant agencies in handling when a traffic accident occurs.

[0141] Optionally, when the target vehicle operation data violates the target vehicle restriction, after the step of obtaining the first mechanism corresponding to the target vehicle and publishing the target vehicle operation data to the first branch chain corresponding to the first mechanism, the method further includes:

[0142] In response to the target vehicle operation data being published to the first branch chain corresponding to the first organization, the smart contract in the first branch chain is called to evaluate the severity of the behavior of the target vehicle operation data violating the target vehicle restriction, and an alarm is issued to the first organization according to the severity.

[0143] With the above solution, the vehicle operation data is first transmitted to a trusted blockchain. When the smart contract on the blockchain determines that the vehicle operation data is abnormal, the abnormal data is published to the branch chain corresponding to the car rental company for the car rental company to view. At least it solves the problem that the existing post-rental vehicle management generally relies on the vehicle-mounted positioning device to track the location, status and other information of the vehicle in real time. For users of rented vehicles, there are problems with privacy protection. If the vehicle is not tracked in real time, it is impossible to obtain whether the user has violated the rules when using the vehicle, and it is difficult to protect the rights and interests of the vehicle rental company. It provides a rental car detection solution that can balance the rights and interests of users and vehicle rental companies.

[0144] Example 3

[0145] An automobile monitoring system for automobile finance, comprising a vehicle monitoring platform and a data storage platform;

[0146] The vehicle monitoring platform is configured as:

[0147] In response to receiving a vehicle use agreement uploaded by a target organization, parsing the vehicle use agreement to obtain a target vehicle and target vehicle restrictions;

[0148] According to the target vehicle, a target vehicle object corresponding to the target vehicle is obtained on the vehicle monitoring blockchain through a unique identifier of the target vehicle;

[0149] According to the target vehicle object and the target vehicle restriction, the binding relationship between the target vehicle restriction and the target vehicle object is updated to the vehicle monitoring blockchain;

[0150] Receive the target vehicle operation data sent by the target vehicle, call the smart contract in the vehicle monitoring blockchain, and determine whether the target vehicle operation data violates the target vehicle restrictions;

[0151] When the target vehicle operation data violates the target vehicle restriction, the first institution corresponding to the target vehicle is obtained, and the target vehicle operation data is published to the first branch chain corresponding to the first institution, where the first institution refers to the institution that registers the ownership of the target vehicle in the vehicle monitoring blockchain;

[0152] The data storage platform is configured as:

[0153] Stores relevant data of vehicle monitoring blockchain.

[0154] Optionally, in response to receiving a vehicle use agreement uploaded by a target organization, parsing the vehicle use agreement, and obtaining a target vehicle and target vehicle restrictions include:

[0155] In response to receiving a vehicle use agreement uploaded by a target organization, parsing the vehicle use agreement to obtain a target vehicle and at least one vehicle use rule;

[0156] According to the target vehicle and at least one vehicle use rule, in combination with the GIS information, target vehicle restrictions are obtained, and the target vehicle restrictions are configured to include at least restricted coordinate data and target vehicle operation restrictions corresponding to the restricted coordinate data.

[0157] Optionally, based on the target vehicle and at least one vehicle use rule, combined with GIS information, target vehicle restrictions are obtained, including:

[0158] According to at least one vehicle use rule, obtaining a target use area of ​​the target vehicle;

[0159] According to the target use area, combined with GIS information, obtain the area restriction information of the target use area;

[0160] According to the area restriction information of the target vehicle and the target usage area, the target vehicle restriction is obtained.

[0161] Optionally, receiving target vehicle operation data sent by the target vehicle, and determining whether the target vehicle operation data violates target vehicle restrictions, includes:

[0162] Receiving target vehicle operation data sent by the target vehicle, and obtaining a target vehicle object corresponding to the target vehicle according to a unique identifier of the target vehicle;

[0163] According to the target vehicle object, obtaining the target vehicle restriction bound to the target vehicle object;

[0164] The smart contract in the vehicle monitoring blockchain is called to determine whether the target vehicle operation data violates the target vehicle restrictions. The smart contract in the vehicle monitoring blockchain is configured to parse the target vehicle operation data according to the target vehicle operation data and the target vehicle restrictions, obtain the operation status of the target vehicle and the operation coordinates corresponding to the operation status, and after matching the restricted coordinate data according to the operation coordinates, determine whether the operation status of the target vehicle violates the target vehicle operation restrictions corresponding to the restricted coordinate data to determine whether the target vehicle operation data violates the target vehicle restrictions.

[0165] Optionally, also include:

[0166] When the target vehicle operating data does not violate the target vehicle restrictions, encrypted operating data is obtained at least in part based on the target vehicle operating data, and the encrypted operating data is updated to the vehicle monitoring blockchain.

[0167] Optionally, also include:

[0168] When the target vehicle operation data violates the target vehicle restrictions, analyze the target vehicle's violation behavior;

[0169] Obtain penalties based on the target vehicle's violations and vehicle use agreement;

[0170] According to the vehicle use agreement, obtain the target user who uses the target vehicle;

[0171] Obtain a target user object corresponding to the target user on the vehicle monitoring blockchain according to the unique identifier of the target user;

[0172] According to the target user object and the penalty measure, the binding relationship between the penalty measure and the target user object is updated to the vehicle monitoring blockchain.

[0173] Optionally, when the target vehicle operation data violates the target vehicle restriction, after the step of obtaining the first mechanism corresponding to the target vehicle and publishing the target vehicle operation data to the first branch chain corresponding to the first mechanism, the method further includes:

[0174] In response to the target vehicle operation data being published to the first branch chain corresponding to the first organization, the smart contract in the first branch chain is called, an auxiliary data collection request is sent to the target vehicle, and audio and video information sent by the target vehicle in response to the auxiliary data collection request is received.

[0175] Example 4

[0176] This embodiment provides a computer device, which includes a memory and a processor. The memory stores a computer program, and the processor executes the computer program to implement any of the above methods.

[0177] Specifically, Figure 2 As shown, Figure 2This is a structural diagram of a computer device in the present application, and the computer device may include: a processor 101, such as a central processing unit (CPU), a communication bus 102, a user interface 104, a network interface 103, and a memory 105. Among them, the communication bus 102 is used to realize the connection and communication between these components. The user interface 104 may include a display screen (Display), an input unit such as a keyboard (Keyboard), and the user interface 104 may also include a standard wired interface and a wireless interface. The network interface 103 may optionally include a standard wired interface and a wireless interface (such as a wireless fidelity (WIreless-FIdelity, WI-FI) interface). The memory 105 may optionally be a storage device independent of the aforementioned processor 101. The memory 105 may be a high-speed random access memory (RAM) memory, or it may be a stable non-volatile memory (NVM), such as at least one disk storage; the processor 101 may be a general-purpose processor, including a central processing unit, a network processor, etc., or it may be a digital signal processor, an application-specific integrated circuit, a field programmable gate array or other programmable logic device, a discrete gate or transistor logic device, or a discrete hardware component.

[0178] Those skilled in the art will appreciate that Figure 2 The structure shown in the figure does not constitute a limitation on the electronic device, and may include more or less components than shown in the figure, or combine certain components, or arrange the components differently.

[0179] like Figure 2 As shown, the memory 105 as a storage medium may include an operating system, a network communication module, a user interface module, and an application program for implementing a vehicle monitoring method for automobile finance.

[0180] exist Figure 2 In the electronic device shown, the network interface 103 is mainly used for data communication with a network server; the user interface 104 is mainly used for data interaction with a user; the processor 101 and the memory 105 in the present application can be set in the electronic device, and the electronic device calls the application program stored in the memory 105 for implementing a vehicle monitoring method for automobile finance through the processor 101 to implement the above method.

[0181] Example 5

[0182] This embodiment provides a computer-readable storage medium, on which a computer program is stored, and a processor executes the computer program to implement any of the above methods.

[0183] In some embodiments, the computer readable storage medium may be a memory such as FRAM, ROM, PROM, EPROM, EEPROM, flash memory, magnetic surface memory, optical disk, or CD-ROM; or various devices including one or any combination of the above memories. The computer may be various computing devices including intelligent terminals and servers.

[0184] In the above embodiments of the present disclosure, the description of each embodiment has its own emphasis. For parts that are not described in detail in a certain embodiment, reference can be made to the relevant descriptions of other embodiments.

[0185] In the several embodiments provided in this application, it should be understood that the disclosed technical content can be implemented in other ways. Among them, the device embodiments described above are only schematic. For example, the division of units can be a logical function division. There may be other division methods in actual implementation. For example, 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 units or modules, which can be electrical or other forms.

[0186] 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 over multiple units. Some or all of the units may be selected according to actual needs to achieve the purpose of the present embodiment.

[0187] In addition, each functional unit in each embodiment of the present disclosure 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. The above-mentioned integrated unit may be implemented in the form of hardware or in the form of software functional units.

[0188] If the integrated unit is implemented in the form of a software functional unit and sold or used as an independent product, it can be stored in a computer-readable non-volatile storage medium. Based on this understanding, the technical solution of the present disclosure is essentially or the part that contributes to the prior art or all or part of the technical solution can be embodied in the form of a software product, and the computer software product is stored in a non-volatile storage medium, including a number of instructions to enable a computer device (which can be a personal computer, server or network device, etc.) to perform all or part of the steps of the various embodiments of the present disclosure. The aforementioned non-volatile storage medium includes: U disk, read-only memory (ROM, Read-Only Memory), random access memory (RAM, Random Access Memory), mobile hard disk, disk or optical disk and other media that can store program codes.

[0189] The above are only preferred embodiments of the present disclosure. It should be pointed out that, for ordinary technicians in this technical field, several improvements and modifications can be made without departing from the principles of the present disclosure. These improvements and modifications should also be regarded as the protection scope of the present disclosure.

Claims

1. A vehicle monitoring method for automobile finance, characterized in that: The following steps are involved: In response to receiving a vehicle use agreement uploaded by a target organization, parsing the vehicle use agreement to obtain a target vehicle and target vehicle restrictions; According to the target vehicle, obtaining a target vehicle object corresponding to the target vehicle on the vehicle monitoring blockchain through a unique identifier of the target vehicle; According to the target vehicle object and the target vehicle restriction, updating the binding relationship between the target vehicle restriction and the target vehicle object to the vehicle monitoring blockchain; receiving target vehicle operation data sent by the target vehicle, and determining whether the target vehicle operation data violates the target vehicle restriction; When the target vehicle operation data violates the target vehicle restriction, the first institution corresponding to the target vehicle is obtained, and the target vehicle operation data is published to the first branch chain corresponding to the first institution, where the first institution refers to the institution that registers the ownership of the target vehicle in the vehicle monitoring blockchain.

2. The automobile monitoring method for automobile finance according to claim 1, characterized in that: The step of: in response to receiving a vehicle use agreement uploaded by a target organization, parsing the vehicle use agreement, and obtaining a target vehicle and target vehicle restrictions includes: In response to receiving a vehicle use agreement uploaded by a target organization, parsing the vehicle use agreement to obtain a target vehicle and at least one vehicle use rule; According to the target vehicle and at least one vehicle use rule, in combination with GIS information, target vehicle restrictions are obtained, wherein the target vehicle restrictions are configured to include at least restricted coordinate data and target vehicle operation restrictions corresponding to the restricted coordinate data.

3. The automobile monitoring method for automobile finance according to claim 2, characterized in that: The step of obtaining the target vehicle restriction based on the target vehicle and at least one vehicle use rule in combination with GIS information includes: According to at least one vehicle use rule, obtaining a target use area of ​​the target vehicle; According to the target use area, combined with GIS information, obtain the area restriction information of the target use area; According to the target vehicle and the area restriction information of the target usage area, a target vehicle restriction is obtained.

4. The automobile monitoring method for automobile finance according to claim 2, characterized in that: The receiving the target vehicle operation data sent by the target vehicle and determining whether the target vehicle operation data violates the target vehicle restriction includes: Receiving target vehicle operation data sent by the target vehicle, and obtaining a target vehicle object corresponding to the target vehicle according to a unique identifier of the target vehicle; According to the target vehicle object, obtaining a target vehicle restriction bound to the target vehicle object; The smart contract in the vehicle monitoring blockchain is called to determine whether the target vehicle operation data violates the target vehicle restrictions. The smart contract in the vehicle monitoring blockchain is configured to parse the target vehicle operation data according to the target vehicle operation data and the target vehicle restrictions, obtain the operation status of the target vehicle and the operation coordinates corresponding to the operation status, and after matching the restricted coordinate data according to the operation coordinates, determine whether the operation status of the target vehicle violates the target vehicle operation restrictions corresponding to the restricted coordinate data to determine whether the target vehicle operation data violates the target vehicle restrictions.

5. The automobile monitoring method for automobile finance according to claim 1, characterized in that: Also includes: When the target vehicle operating data does not violate the target vehicle restrictions, encrypted operating data is obtained at least in part based on the target vehicle operating data, and the encrypted operating data is updated to the vehicle monitoring blockchain.

6. The automobile monitoring method for automobile finance according to claim 1, characterized in that: Also includes: When the target vehicle operation data violates the target vehicle restriction, analyzing the violation behavior of the target vehicle; Obtaining penalty measures based on the violation of the target vehicle and the vehicle use agreement; According to the vehicle use agreement, obtaining a target user who uses the target vehicle; Obtain a target user object corresponding to the target user on the vehicle monitoring blockchain according to the unique identifier of the target user; According to the target user object and the penalty measure, a binding relationship between the penalty measure and the target user object is updated to the vehicle monitoring blockchain.

7. The automobile monitoring method for automobile finance according to claim 1, characterized in that: After the step of obtaining a first mechanism corresponding to the target vehicle and publishing the target vehicle operation data to a first branch chain corresponding to the first mechanism when the target vehicle operation data violates the target vehicle restriction, the method further includes: In response to the target vehicle operation data being published to the first branch chain corresponding to the first mechanism, the smart contract in the first branch chain is called, an auxiliary data collection request is sent to the target vehicle, and audio and video information sent by the target vehicle in response to the auxiliary data collection request is received.

8. An automobile monitoring system for automobile finance, characterized in that: Including vehicle monitoring platform and data storage platform; The vehicle monitoring platform is configured as follows: In response to receiving a vehicle use agreement uploaded by a target organization, parsing the vehicle use agreement to obtain a target vehicle and target vehicle restrictions; According to the target vehicle, obtaining a target vehicle object corresponding to the target vehicle on the vehicle monitoring blockchain through a unique identifier of the target vehicle; According to the target vehicle object and the target vehicle restriction, updating the binding relationship between the target vehicle restriction and the target vehicle object to the vehicle monitoring blockchain; Receiving target vehicle operation data sent by the target vehicle, calling the smart contract in the vehicle monitoring blockchain, and determining whether the target vehicle operation data violates the target vehicle restriction; When the target vehicle operation data violates the target vehicle restriction, the first institution corresponding to the target vehicle is obtained, and the target vehicle operation data is published to the first branch chain corresponding to the first institution, where the first institution refers to the institution that registers the ownership of the target vehicle in the vehicle monitoring blockchain; The data storage platform is configured as follows: Store the relevant data of the vehicle monitoring blockchain.

9. The automobile monitoring system for automobile finance according to claim 8, characterized in that: The step of: in response to receiving a vehicle use agreement uploaded by a target organization, parsing the vehicle use agreement, and obtaining a target vehicle and target vehicle restrictions includes: In response to receiving a vehicle use agreement uploaded by a target organization, parsing the vehicle use agreement to obtain a target vehicle and at least one vehicle use rule; Obtaining target vehicle restrictions based on the target vehicle and at least one vehicle use rule in combination with GIS information, the target vehicle restrictions being configured to include at least restricted coordinate data and target vehicle operation restrictions corresponding to the restricted coordinate data; The receiving target vehicle operation data sent by the target vehicle, calling the smart contract in the vehicle monitoring blockchain, and determining whether the target vehicle operation data violates the target vehicle restriction include: Receiving target vehicle operation data sent by the target vehicle, and obtaining a target vehicle object corresponding to the target vehicle according to a unique identifier of the target vehicle; According to the target vehicle object, obtaining a target vehicle restriction bound to the target vehicle object; The smart contract in the vehicle monitoring blockchain is called to parse the target vehicle operation data according to the target vehicle operation data and the target vehicle restrictions, obtain the operation status of the target vehicle and the operation coordinates corresponding to the operation status, and after matching the restricted coordinate data with the operation coordinates, determine whether the operation status of the target vehicle violates the target vehicle operation restrictions corresponding to the restricted coordinate data.

10. A device, characterized in that: The device comprises a memory and a processor, wherein a computer program is stored in the memory, and the processor executes the computer program to implement the method according to any one of claims 1 to 7.

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