Vehicle maintenance data processing method and device based on 5G message and bank-enterprise interconnection

Abstract

The invention provides a vehicle maintenance data processing method and device based on 5G message and bank-enterprise interconnection, relates to the technical field of 5G, can be used in the field of financial science and technology, and comprises the following steps: constructing a vehicle information database, carrying out operator authentication through a user mobile phone number, and sending the vehicle information database to a server; binding the mobile phone number of the user with the user information and the vehicle information at a vehicle maintenance end node, and binding the mobile phone number of the user with the user information and the account information at a bank end node; using a 5G message to regularly collect vehicle driving information uploaded by the user side node, and determining current condition information of the vehicle according to the vehicle driving information; based on the current condition information of the vehicle, generating maintenance plan data of the vehicle in the current maintenance period; and after the maintenance item corresponding to the maintenance order is completed, generating a payment bill and maintenance information, uploading the maintenance information to the vehicle information database, processing the payment bill by the bank end node, generating a payment voucher, and pushing the payment voucher to the user terminal through a 5G message.

Description

Technical Field

[0001] The present invention relates to the field of 5G technology and can be used in the field of financial technology, and in particular to a vehicle maintenance data processing method and device based on 5G messaging and bank-enterprise interconnection. Background Art

[0002] This section is intended to provide a background or context to the embodiments of the invention recited in the claims. No admission is made that the description herein is prior art by inclusion in this section.

[0003] Daily maintenance of cars has a very important impact on the life and performance of vehicles, which can improve car safety and reduce the probability of traffic accidents. In the existing technology, vehicle maintenance data is usually estimated manually, and maintenance is performed within an approximate time range or mileage range, which leads to inaccurate analysis of maintenance information. At the same time, the initiation of vehicle maintenance requests, maintenance business processing, payment and other links are all independent of each other. Users need to make an appointment before maintenance, and maintenance can only be carried out after confirmation between the user and the vehicle maintenance company. After the vehicle maintenance company completes the maintenance project, a business bill is generated, and then the bank processes the business order. Users need to connect to different nodes at each link, repeatedly confirm information and queue at different nodes. The overall process is very cumbersome and time-consuming, resulting in low efficiency in the overall vehicle maintenance process and poor user experience.

[0004] In summary, there is an urgent need for a technical solution that can overcome the above-mentioned defects, dredge the overall process of vehicle maintenance, improve the vehicle maintenance data processing mechanism, and improve the efficiency of vehicle maintenance business processing. Summary of the invention

[0005] In order to solve the problems existing in the prior art, the present invention proposes a vehicle maintenance data processing method and device based on 5G messaging and bank-enterprise interconnection, which opens up the overall vehicle maintenance process through bank-enterprise interconnection, and improves the processing efficiency of vehicle maintenance data from the aspects of analyzing vehicle maintenance information, initiating requests, maintenance business processing, and payment.

[0006] In a first aspect of an embodiment of the present invention, a vehicle maintenance data processing method based on 5G messaging and bank-enterprise interconnection is proposed. The method is applied to a bank end node, including:

[0007] Constructing a vehicle information database, wherein the vehicle information database includes at least vehicle information, a user mobile phone number corresponding to the vehicle information, user information, and maintenance history information; the vehicle information, user mobile phone number, and maintenance history information are obtained with the authorization of the user;

[0008] According to the authentication information and the vehicle information database, the user's mobile phone number is bound to the user information and the vehicle information at the vehicle maintenance end node, and the user's mobile phone number is bound to the user information and the account information at the bank end node; wherein the authentication information is obtained by the operator through operator authentication based on the user's mobile phone number;

[0009] The vehicle driving information uploaded by the user terminal node is collected regularly by using 5G messages, and the current status information of the vehicle is determined according to the vehicle driving information;

[0010] Based on the current status information of the vehicle, the maintenance plan data of the vehicle in the current maintenance cycle is generated, and the maintenance plan data is sent to the vehicle maintenance end node corresponding to the user's mobile phone number using a 5G message; the maintenance plan data at least includes maintenance items, user mobile phone number, user information, and vehicle information; wherein the vehicle maintenance end node verifies the maintenance plan data according to the bound user mobile phone number, user information, and vehicle information, and generates a maintenance order after the verification is passed;

[0011] The payment bill sent by the vehicle maintenance end node is processed according to the bound user mobile phone number, user information and account information, a payment voucher is generated and the payment voucher is pushed to the user terminal via 5G message; wherein, when the maintenance item corresponding to the maintenance order is completed, the vehicle maintenance end node generates a payment bill and maintenance information, sends the payment bill to the bank end node using 5G message, and uploads the maintenance information to the vehicle information database.

[0012] In a second aspect of an embodiment of the present invention, a vehicle maintenance data processing method based on 5G messaging and bank-enterprise interconnection is proposed. The method is applied to a vehicle maintenance terminal node, including:

[0013] According to the authentication information and the vehicle information database, the user's mobile phone number is bound to the user information and the vehicle information at the vehicle maintenance end node, and the user's mobile phone number is bound to the user information and the account information at the bank end node; wherein the authentication information is obtained by performing operator authentication on the user's mobile phone number;

[0014] The maintenance plan data is checked according to the bound user mobile phone number, user information and vehicle information, and a maintenance order is generated after the check is passed; wherein the maintenance plan data is obtained by the bank end node through the following process: using 5G messages to regularly collect vehicle driving information uploaded by the user end node, and determining the vehicle current status information according to the vehicle driving information; based on the vehicle current status information, the maintenance plan data of the vehicle in the current maintenance cycle is generated, and the maintenance plan data is sent to the vehicle maintenance end node corresponding to the user mobile phone number using 5G messages; the maintenance plan data includes at least maintenance items, user mobile phone number, user information and vehicle information;

[0015] When the maintenance items corresponding to the maintenance order are completed, the vehicle maintenance end node generates a payment bill and maintenance information, sends the payment bill to the bank end node using a 5G message, and uploads the maintenance information to the vehicle information database; wherein the bank end node processes the payment bill sent by the vehicle maintenance end node according to the bound user mobile phone number, user information, and account information, generates a payment voucher, and pushes the payment voucher to the user terminal via a 5G message.

[0016] In a third aspect of an embodiment of the present invention, a vehicle maintenance data processing device based on 5G messaging and bank-enterprise interconnection is proposed. The device is applied to a bank end node, including:

[0017] A database construction module, used to construct a vehicle information database, wherein the vehicle information database at least includes vehicle information, a user mobile phone number corresponding to the vehicle information, user information, and maintenance history information; the vehicle information, user mobile phone number, and maintenance history information are obtained with user authorization;

[0018] An information binding module, for binding the user's mobile phone number with the user information and the vehicle information at the vehicle maintenance end node, and binding the user's mobile phone number with the user information and the account information at the bank end node according to the authentication information and the vehicle information database; wherein the authentication information is obtained by the operator through operator authentication according to the user's mobile phone number;

[0019] A vehicle status analysis module is used to periodically collect vehicle driving information uploaded by a user terminal node using 5G messages, and determine the current vehicle status information based on the vehicle driving information;

[0020] A maintenance data processing module is used to generate maintenance plan data for the vehicle in the current maintenance cycle based on the current status information of the vehicle, and send the maintenance plan data to the vehicle maintenance end node corresponding to the user's mobile phone number using a 5G message; the maintenance plan data at least includes maintenance items, user mobile phone number, user information, and vehicle information; wherein the vehicle maintenance end node verifies the maintenance plan data according to the bound user mobile phone number, user information, and vehicle information, and generates a maintenance order after the verification is passed;

[0021] The bill processing module is used to process the payment bill sent by the vehicle maintenance end node according to the bound user mobile phone number, user information and account information, generate a payment voucher and push the payment voucher to the user terminal via 5G message; wherein, when the maintenance item corresponding to the maintenance order is completed, the vehicle maintenance end node generates a payment bill and maintenance information, sends the payment bill to the bank end node using 5G message, and uploads the maintenance information to the vehicle information database.

[0022] In a fourth aspect of an embodiment of the present invention, a vehicle maintenance data processing device based on 5G messaging and bank-enterprise interconnection is proposed. The device is applied to a vehicle maintenance terminal node, including:

[0023] An information binding module, for binding the user's mobile phone number with the user information and the vehicle information at the vehicle maintenance end node, and binding the user's mobile phone number with the user information and the account information at the bank end node according to the authentication information and the vehicle information database; wherein the authentication information is obtained by performing operator authentication on the user's mobile phone number;

[0024] The maintenance plan verification module is used to verify the maintenance plan data according to the bound user mobile phone number, user information and vehicle information, and generate a maintenance order after the verification is passed; wherein, the maintenance plan data is obtained by the bank end node through the following process: using 5G messages to regularly collect vehicle driving information uploaded by the user end node, and determining the vehicle current status information according to the vehicle driving information; based on the vehicle current status information, generating the vehicle maintenance plan data in the current maintenance cycle, and sending the maintenance plan data to the vehicle maintenance end node corresponding to the user mobile phone number using 5G messages; the maintenance plan data at least includes maintenance items, user mobile phone number, user information and vehicle information;

[0025] The payment bill generation module is used for generating a payment bill and maintenance information at the vehicle maintenance end node after the maintenance items corresponding to the maintenance order are completed, sending the payment bill to the bank end node using a 5G message, and uploading the maintenance information to the vehicle information database; wherein the bank end node processes the payment bill sent by the vehicle maintenance end node according to the bound user mobile phone number, user information, and account information, generates a payment voucher, and pushes the payment voucher to the user terminal via a 5G message.

[0026] In the fifth aspect of an embodiment of the present invention, a computer device is proposed, comprising a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein when the processor executes the computer program, a vehicle maintenance data processing method based on 5G messaging and bank-enterprise interconnection is implemented.

[0027] In the sixth aspect of an embodiment of the present invention, a computer-readable storage medium is proposed, wherein the computer-readable storage medium stores a computer program, and when the computer program is executed by a processor, a vehicle maintenance data processing method based on 5G messages and bank-enterprise interconnection is implemented.

[0028] In the seventh aspect of the embodiments of the present invention, a computer program product is proposed, which includes a computer program. When the computer program is executed by a processor, it implements a vehicle maintenance data processing method based on 5G messages and bank-enterprise interconnection.

[0029] The vehicle maintenance data processing method and device based on 5G messaging and bank-enterprise interconnection proposed in the present invention build a vehicle information database and perform operator authentication on the user's mobile phone number, bind the user's mobile phone number with the user information and vehicle information at the vehicle maintenance end node, and bind the user's mobile phone number with the user information and account information at the bank end node, so that the vehicle maintenance end node and the bank end node can communicate with each other; and further use the 5G message mechanism to monitor and analyze vehicle information, accurately determine the maintenance plan, and achieve high-grained vehicle maintenance demand analysis to ensure vehicle safety, generate maintenance orders through the vehicle maintenance end node, and provide users with fast and convenient maintenance services. At the same time, during the vehicle maintenance process, customers do not need to repeatedly confirm information and queue up; the present invention combines bank-enterprise interconnection to realize fast order payment processing on the bank side. The overall solution can integrate vehicle maintenance monitoring and analysis, maintenance business processing, and fast payment, and effectively improve the processing efficiency of maintenance business through bank-enterprise interconnection, improve user experience, and provide strong technical support for banking business scenarios and vehicle maintenance scenarios. BRIEF DESCRIPTION OF THE DRAWINGS

[0030] In order to more clearly illustrate the technical solutions of the embodiments of the present application, the drawings required for use in the description of the embodiments will be briefly introduced below. Obviously, the drawings described below are some embodiments of the present application. For ordinary technicians in this field, other drawings can be obtained based on these drawings without creative work.

[0031] Figure 1 It is a flow chart of a vehicle maintenance data processing method based on 5G messaging and bank-enterprise interconnection according to an embodiment of the present invention.

[0032] Figure 2 It is a flowchart of building a vehicle information database according to a specific embodiment of the present invention.

[0033] Figure 3 It is a schematic diagram of the communication link relationship of a specific embodiment of the present invention.

[0034] Figure 4 It is a relationship diagram of batch binding according to a specific embodiment of the present invention.

[0035] Figure 5 It is a flowchart of operator authentication and information binding according to a specific embodiment of the present invention.

[0036] Figure 6 It is a schematic diagram of a process of analyzing current status information of a vehicle according to a specific embodiment of the present invention.

[0037] Figure 7 It is a flowchart of determining vehicle wear and tear data of a current maintenance cycle according to vehicle driving information according to a specific embodiment of the present invention.

[0038] Figure 8 It is a flowchart of analyzing vehicle conditions based on vehicle loss quantification values ​​according to a specific embodiment of the present invention.

[0039] Fig. 9 It is a flowchart of processing maintenance data according to a specific embodiment of the present invention.

[0040] Fig.10 It is a schematic diagram of the processing flow of a payment bill according to a specific embodiment of the present invention.

[0041] Fig.11 It is a flowchart of automatically processing payment bills according to a specific embodiment of the present invention.

[0042] Fig.12 It is a flow chart of a vehicle maintenance data processing method based on 5G messaging and bank-enterprise interconnection according to another embodiment of the present invention.

[0043] Fig.13This is a schematic diagram of the architecture of a vehicle maintenance data processing device based on 5G messaging and bank-enterprise interconnection according to an embodiment of the present invention.

[0044] Fig.14 This is a schematic diagram of the architecture of a vehicle maintenance data processing device based on 5G messaging and bank-enterprise interconnection according to another embodiment of the present invention.

[0045] Fig.15 It is a schematic diagram of the structure of a computer device according to an embodiment of the present invention. DETAILED DESCRIPTION

[0046] The principles and spirit of the present invention will be described below with reference to several exemplary embodiments. It should be understood that these embodiments are provided only to enable those skilled in the art to better understand and implement the present invention, and are not intended to limit the scope of the present invention in any way. On the contrary, these embodiments are provided to make the present disclosure more thorough and complete, and to fully convey the scope of the present disclosure to those skilled in the art.

[0047] Those skilled in the art will appreciate that the embodiments of the present invention may be implemented as a system, device, apparatus, method or computer program product. Therefore, the present disclosure may be implemented in the following forms, namely: complete hardware, complete software (including firmware, resident software, microcode, etc.), or a combination of hardware and software.

[0048] According to an implementation manner of the present invention, a vehicle maintenance data processing method and device based on 5G messaging and bank-enterprise interconnection are proposed, which relates to the field of 5G technology and can be used in the field of financial technology.

[0049] The principle and spirit of the present invention are explained in detail below with reference to several representative embodiments of the present invention.

[0050] Figure 1 This is a flow chart of a vehicle maintenance data processing method based on 5G messaging and bank-enterprise interconnection according to an embodiment of the present invention. Figure 1 As shown, the method is applied to a bank end node, including:

[0051] S101, constructing a vehicle information database, wherein the vehicle information database at least includes vehicle information, a user mobile phone number corresponding to the vehicle information, user information, and maintenance history information; the vehicle information, user mobile phone number, and maintenance history information are obtained with the authorization of the user;

[0052] S102, according to the authentication information and the vehicle information database, the user's mobile phone number is bound to the user information and the vehicle information at the vehicle maintenance end node, and the user's mobile phone number is bound to the user information and the account information at the bank end node; wherein the authentication information is obtained by the operator performing operator authentication according to the user's mobile phone number;

[0053] S103, using 5G messages to periodically collect vehicle driving information uploaded by the user terminal node, and determine the current status information of the vehicle according to the vehicle driving information;

[0054] S104, based on the current status information of the vehicle, generate maintenance plan data for the vehicle in the current maintenance cycle, and send the maintenance plan data to the vehicle maintenance end node corresponding to the user's mobile phone number using a 5G message; the maintenance plan data includes at least maintenance items, user mobile phone number, user information, and vehicle information; wherein the vehicle maintenance end node verifies the maintenance plan data according to the bound user mobile phone number, user information, and vehicle information, and generates a maintenance order after the verification is passed;

[0055] S105, processes the payment bill sent by the vehicle maintenance end node according to the bound user mobile phone number, user information and account information, generates a payment voucher and pushes the payment voucher to the user terminal via 5G message; wherein, when the maintenance item corresponding to the maintenance order is completed, the vehicle maintenance end node generates a payment bill and maintenance information, sends the payment bill to the bank end node using 5G message, and uploads the maintenance information to the vehicle information database.

[0056] The present invention can realize information exchange between vehicle maintenance end nodes and bank end nodes, use 5G message mechanism to monitor and analyze vehicle information, accurately determine maintenance plans, realize high-grained vehicle maintenance demand analysis, ensure vehicle safety, generate maintenance orders through vehicle maintenance end nodes, and provide users with fast and convenient maintenance services. At the same time, during the vehicle maintenance process, customers do not need to repeatedly confirm information and queue up; the present invention combines bank-enterprise interconnection to realize fast order payment processing on the bank side. The overall solution can integrate vehicle maintenance monitoring and analysis, maintenance business processing and fast payment, and effectively improve the processing efficiency of maintenance business and improve user experience through bank-enterprise interconnection.

[0057] In order to explain more clearly the above-mentioned vehicle maintenance data processing method based on 5G messaging and bank-enterprise interconnection, each step is explained in detail below.

[0058] In one embodiment, the vehicle information database can store multi-dimensional information of the vehicle (vehicle information, the owner's mobile phone number, the owner's information, and historical maintenance information), and use it as a data basis for analyzing vehicle maintenance. Specifically, (S101) construct a vehicle information database, wherein the vehicle information database at least includes vehicle information, the user's mobile phone number corresponding to the vehicle information, user information, and historical maintenance information; the vehicle information, user's mobile phone number, and historical maintenance information are obtained with the user's authorization, and reference is made to the vehicle information database. Figure 2 , the specific process is:

[0059] S201, obtaining vehicle information when the vehicle is registered; wherein the vehicle information at least includes vehicle license plate information, vehicle frame number, vehicle production date and user purchase date;

[0060] S202, binding the vehicle information with the user's mobile phone number and user information;

[0061] S203, constructing a vehicle information database, and storing the vehicle information, user mobile phone number, and user information in the vehicle information database;

[0062] S204, when the maintenance information of the vehicle after the maintenance is completed is obtained, the maintenance information is bound to the vehicle information as the maintenance history information;

[0063] S205, storing the vehicle information, the user's mobile phone number corresponding to the vehicle information, the user information and the maintenance history information in a vehicle information database.

[0064] In a specific scenario, the present invention uses SIM card information services and vehicle information services to build a 5G information transmission link between maintenance information, account information services and maintenance services. Figure 3 , which is a schematic diagram of the communication link relationship of a specific embodiment of the present invention. Figure 4 , is a schematic diagram of batch binding relationships according to an embodiment of the present invention. Figure 3 and Figure 4 As shown, the present invention realizes the interaction between various nodes by constructing a 5G message business operation platform, thereby ensuring the information relevance between the bank-end node and the vehicle maintenance-end node; constructs a vehicle information database based on the information of the vehicle management center node, binds the user's mobile phone number with the user information and the vehicle information at the vehicle maintenance-end node through operator authentication, and binds the user's mobile phone number with the user information and the account information at the bank-end node; further generates a maintenance plan by monitoring vehicle data, pushes it to the vehicle maintenance end, and automatically pays the vehicle after the vehicle maintenance is completed by the bank, and saves the vehicle maintenance information. The overall process greatly reduces the user processing flow, and improves the business processing efficiency through the reasonable interaction of information between banks and enterprises.

[0065] In actual application scenarios, such as Figure 4As shown, a 5G message service operation platform is set up. 1. The card binding unit generates binding information based on vehicle information, user information, etc., and sends the binding information to the 5G message service operation platform. 2. Send a batch binding request to the batch binding machine. 3. The batch binder initiates a batch binding request to the client page processing unit. 4. Verify the digital signature. 5. Transmit the binding file to the file parsing unit. 6. Send the parsing result. 7. Check the customer information and automatically bind to realize the binding of vehicle information, user information and account information. 8. Notify the binding result. The 5G message service operation platform is used to realize the processes of initiating binding requests, channel-side page processing, information interaction and file parsing, so as to realize information binding, ensure the binding of vehicle, user, account and other information, and ensure the accuracy of user payment.

[0066] In one embodiment, (S102) according to the authentication information and the vehicle information database, the user's mobile phone number is bound to the user information and the vehicle information at the vehicle maintenance end node, and the user's mobile phone number is bound to the user information and the account information at the bank end node; wherein the authentication information is obtained by the operator through the operator authentication according to the user's mobile phone number, and the reference Figure 5 , the specific process is:

[0067] S501, the operator node verifies the user's identity information and authority, and determines the service information corresponding to the user;

[0068] S502, notifying the vehicle maintenance end node according to the service information to bind the user's mobile phone number with the user information and the vehicle information; notifying the bank end node to bind the user's mobile phone number with the user information and the account information.

[0069] Operators conduct information authentication by verifying the user's identity information and permissions to ensure that the user can access specific information or services. Information authentication involves technical means such as user identity authentication, access permission control, and data encryption to protect the user's privacy and data security. Operators conduct information authentication to help prevent unauthorized users from accessing sensitive information and protect the user's personal information security. It can also ensure that users enjoy legal services and rights, which is of great significance to protecting user rights and data security.

[0070] In one embodiment, (S103) using 5G messages to periodically collect vehicle driving information uploaded by the user end node, determining the vehicle current status information according to the vehicle driving information, and referring to Figure 6 , the specific process is:

[0071] S601, regularly collecting vehicle driving information of the vehicle through a user terminal or an onboard device;

[0072] S602, determining vehicle wear and tear data of a current maintenance cycle according to the vehicle driving information; wherein the vehicle wear and tear data is a plurality of vehicle wear and tear quantitative values, including at least vehicle mileage, driving road condition data, driving time, and component parameters collected by vehicle sensors;

[0073] S603, determining the quantified value of the vehicle condition during the maintenance cycle based on the maintenance history information in the vehicle information database, and determining the vehicle current condition information based on the multiple quantified values ​​of vehicle wear and tear and the quantified values ​​of the vehicle condition during the maintenance cycle.

[0074] More specifically, for (S602) determining the vehicle wear and tear data of the current maintenance cycle according to the vehicle driving information, refer to Figure 7 , the detailed process is:

[0075] S6021, extracting historical driving route information and vehicle wear factor data of the vehicle in the current maintenance cycle according to the vehicle driving information; wherein the historical driving route information is a plurality of historical driving route points and a timestamp of each historical driving point, and the vehicle wear factor data is a plurality of vehicle parameters affecting vehicle wear corresponding to each historical driving point;

[0076] S6022, calling an environmental parameter library corresponding to the vehicle loss factor data, and determining an environmental parameter set corresponding to the vehicle loss factor data based on historical driving points and the timestamp of each of the historical driving points; wherein the environmental parameter set corresponding to the vehicle loss factor data includes a plurality of environmental parameters affecting vehicle loss corresponding to each historical driving point of the vehicle;

[0077] S6023, based on multiple vehicle parameters and environmental parameters that affect vehicle wear and tear corresponding to each historical driving point, in a comparison table of the vehicle wear and tear quantified value of each vehicle wear and tear item and multiple parameter intervals of the vehicle parameters and multiple parameter intervals of the environmental parameters, matching the vehicle wear and tear quantified value of each vehicle wear and tear item in each parameter interval;

[0078] S6024, performing time-weighted cumulative summation on the quantified vehicle loss values ​​in each parameter interval to obtain the quantified vehicle loss value of each vehicle loss item in the current maintenance cycle.

[0079] Specifically, the vehicle loss data (i.e., the quantified value of vehicle loss of vehicle loss items) mainly considers: mileage. The mileage of the vehicle is an important factor in determining the degree of vehicle loss. Generally speaking, the greater the mileage, the greater the degree of vehicle loss. Driving conditions. The degree of vehicle loss will vary when the vehicle is driven under different road conditions. For example, when driving under bad road conditions, the vehicle's loss will be more serious. Driving time. The length of time the vehicle is driven will also affect the degree of vehicle loss. Long-term driving will cause increased wear on various parts of the vehicle. Vehicle maintenance. The maintenance of the vehicle also has a great impact on the degree of vehicle loss. Regular maintenance and maintenance can reduce the degree of vehicle loss. The vehicle loss data of the current maintenance cycle can be determined based on the vehicle driving information, and a reasonable maintenance plan can be formulated to extend the service life of the vehicle.

[0080] More specifically, for (S603), according to the maintenance history information in the vehicle information database, determining the quantified value of the vehicle condition within the maintenance period, according to the multiple quantified values ​​of vehicle wear and tear and the quantified values ​​of the vehicle condition within the maintenance period, determining the vehicle current condition information, referring to Figure 8 , the detailed process is:

[0081] S6031, determining multiple vehicle condition quantified values ​​of the vehicle after a previous maintenance cycle based on the maintenance history information in the vehicle information database;

[0082] S6032, subtracting the vehicle loss quantified value of the corresponding vehicle loss item from each vehicle condition quantified value to obtain each current vehicle condition quantified value of the vehicle;

[0083] S6033, generating vehicle current condition information according to the quantified value of each current vehicle condition of the vehicle.

[0084] In one embodiment, (S104) based on the current status information of the vehicle, the maintenance plan data of the vehicle in the current maintenance cycle is generated, and the maintenance plan data is sent to the vehicle maintenance end node corresponding to the user's mobile phone number using a 5G message, referring to Fig. 9 , the detailed process is:

[0085] S901, based on maintenance configuration data of a plurality of maintenance items corresponding to the vehicle, comparing the current condition information of the vehicle with the maintenance configuration data, and generating a maintenance strategy for the vehicle; wherein the maintenance configuration data includes a plurality of state ranges and value ranges, respectively corresponding to different maintenance importance levels;

[0086] Taking the numerical range as an example, if the vehicle mileage increases by less than 10,000 kilometers compared to the last maintenance, maintenance is not recommended; if it increases by 10,000 kilometers, maintenance is recommended; if it increases by 20,000 kilometers, maintenance is strongly recommended. If the vehicle mileage is less than 6 months compared to the last maintenance, maintenance is not recommended; if it is more than 6 months and less than 14 months, maintenance is recommended; if it is more than 14 months, maintenance is strongly recommended.

[0087] The status range is a multiple status range of the vehicle condition quantification value corresponding to the vehicle loss items, such as standard status, normal status, loss status and severe loss status, etc. When the vehicle condition quantification value is in the loss status or below or according to the maintenance strategy pre-set by the user, the maintenance item requirements of the target vehicle in the current maintenance cycle are generated. For example, among the loss items such as "engine oil, oil filter, air filter, transmission oil, brake oil, antifreeze and spark plugs", only engine oil, brake oil and spark plugs are maintenance items, not all loss items. For example, if the on-board sensor detects that the vehicle bearing wear reaches a certain level, maintenance is recommended.

[0088] S902: Generate maintenance plan data for the vehicle in a current maintenance cycle according to the maintenance strategy.

[0089] In actual application scenarios, the maintenance strategy can determine from multiple dimensions (for example, state range, value range) whether the vehicle needs maintenance, what maintenance items need to be performed, etc.

[0090] In actual application scenarios, the maintenance queue data provided by each vehicle maintenance end node within a set area can be obtained. Based on the maintenance queue data and maintenance plan data, the maintenance matching relationship between the vehicle and the vehicle maintenance end node can be determined, and a vehicle maintenance order can be generated based on the maintenance matching relationship.

[0091] The specific process may be to obtain the maintenance queue data provided by each vehicle maintenance end node; wherein the maintenance queue data includes the maintenance order waiting information corresponding to each vehicle loss item; based on the maintenance queue data and the maintenance plan data, respectively calculate the unjoined maintenance time of the vehicle when the maintenance organization corresponding to each vehicle maintenance end node independently executes the maintenance plan data of the current maintenance cycle, and calculate the joined maintenance time of the vehicle when the maintenance organizations corresponding to different vehicle maintenance end nodes jointly execute the maintenance plan data of the current maintenance cycle; send all the calculated unjoined maintenance times and all the joined maintenance times as the results of each maintenance matching to the user end, select the target vehicle maintenance end node in the corresponding maintenance matching to establish a maintenance matching association relationship with the vehicle according to the feedback information of the user end, and generate a vehicle maintenance order;

[0092] Among them, the un-spliced ​​maintenance time is the time when the maintenance action of the last vehicle loss item is completed when the vehicle's maintenance plan data is added to the maintenance queue corresponding to a vehicle maintenance end node; among them, the spliced ​​maintenance time is the time when the maintenance action of the last vehicle loss item is completed when the vehicle's maintenance plan data is added to the maintenance queues corresponding to different vehicle maintenance end nodes respectively.

[0093] In one embodiment, (S105) the payment bill sent by the vehicle maintenance end node is processed according to the bound user mobile phone number, user information, and account information, a payment voucher is generated, and the payment voucher is pushed to the user terminal via a 5G message; wherein, when the maintenance item corresponding to the maintenance order is completed, the vehicle maintenance end node generates a payment bill and maintenance information, sends the payment bill to the bank end node using a 5G message, and uploads the maintenance information to the vehicle information database.

[0094] refer to Fig.10 , the specific process is:

[0095] S1001, based on the payment bill and the maintenance plan data, checking the consistency of the user mobile phone number, user information and vehicle information in the payment bill with the user mobile phone number, user information and vehicle information in the maintenance plan data, and whether the completed maintenance items in the payment bill are included in the maintenance items in the maintenance plan data;

[0096] S1002: If the consistency check of the user's mobile phone number, user information and vehicle information is passed and the completed maintenance items are among the maintenance items in the maintenance plan data, automatic deductions are made according to the payment bill and account information, and a payment voucher is generated and pushed to the user terminal via 5G messaging;

[0097] S1003: If the consistency check of the user's mobile phone number, user information and vehicle information fails, or the completed maintenance items exceed the maintenance item scope of the maintenance plan data, the payment bill will be pushed to the user terminal of the user's mobile phone number corresponding to the payment bill via 5G message, and the user will complete the payment operation manually.

[0098] Specifically, refer to Fig.11 , (S1002) If the consistency check of the user's mobile phone number, user information and vehicle information is passed and the completed maintenance items are in the maintenance items of the maintenance plan data, automatic deductions are made according to the payment bill and account information, and a payment voucher is generated and pushed to the user terminal via 5G messaging. The detailed process is as follows:

[0099] S10021, determining the vehicle maintenance account balance of the user according to the account information; wherein the vehicle maintenance account balance is the available balance of the debit card account set by the user or the overdraft limit of the credit card account;

[0100] S10022, when the balance of the vehicle maintenance account is greater than or equal to the payment amount corresponding to the payment bill, deduct the payment amount from the balance of the vehicle maintenance account, generate a payment voucher and feed the payment voucher back to the user terminal using a 5G message;

[0101] S10023, when the balance of the vehicle maintenance account is less than the payment amount, determining the amount of the to-be-paid payment that the user needs to pay according to the balance of the vehicle maintenance account and the payment amount;

[0102] S10024, generating payment information according to the amount to be repaid, and sending the payment information to the user terminal using a 5G message, so that the user can choose other bank accounts for payment or transfer the amount to be repaid to the vehicle maintenance account according to the payment information;

[0103] S10025, receiving information on other bank accounts or remittances to the vehicle maintenance account uploaded by the user terminal via 5G messages, deducting the balance of the vehicle maintenance account and the corresponding amount to be paid in the bank account, generating a payment voucher and feeding back the payment voucher to the user terminal via 5G messages.

[0104] The above-mentioned bill processing process can greatly reduce user operations. After the user completes the maintenance, the payment can be automatically deducted without queuing. The overall solution effectively improves business processing efficiency through information exchange between banks and enterprises.

[0105] In actual application scenarios, refer to Fig.12 , the process of implementing the vehicle maintenance data processing method based on 5G message and bank-enterprise interconnection for the vehicle maintenance end node is as follows:

[0106] S1201, according to the authentication information and the vehicle information database, the user's mobile phone number is bound to the user information and the vehicle information at the vehicle maintenance end node, and the user's mobile phone number is bound to the user information and the account information at the bank end node; wherein the authentication information is obtained by performing operator authentication on the user's mobile phone number;

[0107] S1202, verify the maintenance plan data according to the bound user mobile phone number and user information and vehicle information, and generate a maintenance order after the verification is passed; wherein the maintenance plan data is obtained by the bank end node through the following process: using 5G messages to regularly collect vehicle driving information uploaded by the user end node, and determining the current condition information of the vehicle according to the vehicle driving information; based on the current condition information of the vehicle, generating the maintenance plan data of the vehicle in the current maintenance cycle, and sending the maintenance plan data to the vehicle maintenance end node corresponding to the user mobile phone number using 5G messages; the maintenance plan data at least includes maintenance items, user mobile phone number, user information, and vehicle information;

[0108] S1203, when the maintenance items corresponding to the maintenance order are completed, the vehicle maintenance end node generates a payment bill and maintenance information, sends the payment bill to the bank end node using a 5G message, and uploads the maintenance information to the vehicle information database; wherein the bank end node processes the payment bill sent by the vehicle maintenance end node according to the bound user mobile phone number, user information, and account information, generates a payment voucher, and pushes the payment voucher to the user terminal via a 5G message.

[0109] The implementation of the vehicle maintenance data processing method based on 5G message and bank-enterprise interconnection of the above vehicle maintenance end node can be found in Figures 1 to 11 Implementation of the (bank end node) method.

[0110] It should be noted that, although the operations of the method of the present invention are described in a specific order in the above embodiments and the accompanying drawings, this does not require or imply that the operations must be performed in the specific order, or that all the operations shown must be performed to achieve the desired results. Additionally or alternatively, some steps may be omitted, multiple steps may be combined into one step, and / or one step may be decomposed into multiple steps.

[0111] The present invention registers the owner's identity information such as the mobile phone number in the vehicle management office information system, builds a vehicle information database based on the information, binds the mobile phone number after operator authentication with the user information and account information on the bank side, and binds the mobile phone number with the user information and vehicle information on the 4S shop (vehicle maintenance side); regularly generates maintenance plans by monitoring vehicle data and pushes them to the vehicle maintenance side, which uses 5G messages to remind users to perform maintenance; after the vehicle maintenance is completed, the bank side will urge payment of the special account, and after the binding is completed, the payment of the car maintenance fee will be completed by automatic transfer or installment payment through credit card.

[0112] In order to ensure timely update and maintenance of the owner and vehicle information, and remind the owner to perform regular vehicle maintenance. The present invention can help the owner keep the vehicle in good condition and get timely reminders of maintenance needs. This is very beneficial to the safety and performance of the vehicle. The overall solution provides strong technical support for safe driving of the vehicle.

[0113] After introducing the method of the exemplary embodiment of the present invention, next, refer to Figure 13 to Figure 14 A vehicle maintenance data processing device based on 5G messaging and bank-enterprise interconnection according to an exemplary embodiment of the present invention is introduced.

[0114] The implementation of the vehicle maintenance data processing device based on 5G messaging and bank-enterprise interconnection can refer to the implementation of the above method, and the repeated parts will not be repeated. The terms "module" or "unit" used below can be a combination of software and / or hardware that implements the predetermined function. Although the device described in the following embodiments is preferably implemented in software, the implementation of hardware, or a combination of software and hardware, is also possible and conceivable.

[0115] Based on the same inventive concept, the present invention also proposes a vehicle maintenance data processing device based on 5G messaging and bank-enterprise interconnection, such as Fig.13 As shown, the device is applied to a bank end node, including:

[0116] The database construction module 110 is used to construct a vehicle information database, wherein the vehicle information database at least includes vehicle information, a user mobile phone number corresponding to the vehicle information, user information, and maintenance history information; the vehicle information, user mobile phone number, and maintenance history information are obtained with the authorization of the user;

[0117] The information binding module 120 is used to bind the user's mobile phone number with the user information and the vehicle information at the vehicle maintenance end node according to the authentication information and the vehicle information database, and to bind the user's mobile phone number with the user information and the account information at the bank end node; wherein the authentication information is obtained by the operator performing operator authentication according to the user's mobile phone number;

[0118] The vehicle status analysis module 130 is used to periodically collect vehicle driving information uploaded by the user terminal node using 5G messages, and determine the current status information of the vehicle according to the vehicle driving information;

[0119] The maintenance data processing module 140 is used to generate maintenance plan data for the vehicle in the current maintenance cycle based on the current status information of the vehicle, and send the maintenance plan data to the vehicle maintenance end node corresponding to the user's mobile phone number using a 5G message; the maintenance plan data at least includes maintenance items, user mobile phone number, user information, and vehicle information; wherein the vehicle maintenance end node verifies the maintenance plan data according to the bound user mobile phone number, user information, and vehicle information, and generates a maintenance order after the verification is passed;

[0120] The bill processing module 150 is used to process the payment bill sent by the vehicle maintenance end node according to the bound user mobile phone number, user information and account information, generate a payment voucher and push the payment voucher to the user terminal via 5G message; wherein, when the maintenance item corresponding to the maintenance order is completed, the vehicle maintenance end node generates a payment bill and maintenance information, sends the payment bill to the bank end node using 5G message, and uploads the maintenance information to the vehicle information database.

[0121] In one embodiment, the bill processing module 150 processes the payment bill sent by the vehicle maintenance end node according to the bound user mobile phone number, user information, and account information, generates a payment voucher, and pushes the payment voucher to the user terminal via a 5G message, including:

[0122] According to the payment bill and the maintenance plan data, checking the consistency between the user's mobile phone number, user information and vehicle information in the payment bill and the user's mobile phone number, user information and vehicle information in the maintenance plan data, and whether the completed maintenance items in the payment bill are included in the maintenance items in the maintenance plan data;

[0123] If the consistency check of the user's mobile phone number, user information and vehicle information is passed and the completed maintenance items are included in the maintenance items in the maintenance plan data, the payment will be automatically deducted according to the payment bill and account information, and a payment voucher will be generated and pushed to the user terminal via 5G message;

[0124] If the consistency check of the user's mobile phone number, user information and vehicle information fails, or the completed maintenance items exceed the maintenance item scope of the maintenance plan data, the payment bill will be pushed to the user terminal of the user's mobile phone number corresponding to the payment bill via 5G message, and the user will complete the payment operation manually.

[0125] In one embodiment, the bill processing module 150, if the consistency check of the user's mobile phone number, user information and vehicle information is passed and the completed maintenance items are in the maintenance items of the maintenance plan data, automatically deducts money according to the payment bill and account information, generates a payment voucher and pushes the payment voucher to the user terminal through a 5G message, including:

[0126] Determining the vehicle maintenance account balance of the user according to the account information; wherein the vehicle maintenance account balance is the available balance of the debit card account set by the user or the overdraft limit of the credit card account;

[0127] When the balance of the vehicle maintenance account is greater than or equal to the payment amount corresponding to the payment bill, the payment amount is deducted from the balance of the vehicle maintenance account, a payment voucher is generated, and the payment voucher is fed back to the user terminal using a 5G message;

[0128] When the balance in the vehicle maintenance account is less than the payment amount, determining the amount to be paid by the user based on the balance in the vehicle maintenance account and the payment amount;

[0129] Generate payment information based on the amount to be repaid, and send the payment information to the user terminal using 5G messages, so that the user can choose other bank accounts to pay or transfer the amount to be repaid to the vehicle maintenance account based on the payment information;

[0130] Receive information about other bank accounts or remittances to the vehicle maintenance account uploaded by the user terminal via 5G messages, deduct the balance of the vehicle maintenance account and the amount to be paid corresponding to the bank account, generate a payment voucher and feed the payment voucher back to the user terminal using 5G messages.

[0131] In one embodiment, the database construction module 110 constructs a vehicle information database, including:

[0132] Obtain vehicle information when the vehicle is registered; wherein the vehicle information at least includes vehicle license plate information, vehicle frame number, vehicle production date and user purchase date;

[0133] Bind vehicle information with user's mobile phone number and user information;

[0134] Constructing a vehicle information database, and storing the vehicle information, user mobile phone number, and user information in the vehicle information database;

[0135] When obtaining maintenance information after the vehicle has completed maintenance, the maintenance information is bound to the vehicle information as maintenance history information;

[0136] The vehicle information, the user's mobile phone number corresponding to the vehicle information, the user information and the maintenance history information are stored in a vehicle information database.

[0137] In one embodiment, the information binding module 120 binds the user's mobile phone number with the user information and the vehicle information at the vehicle maintenance end node, and binds the user's mobile phone number with the user information and the account information at the bank end node according to the authentication information and the vehicle information database; wherein the authentication information is obtained by the operator through the operator authentication according to the user's mobile phone number, and includes:

[0138] The operator node verifies the user's identity information and permissions, and determines the service information corresponding to the user;

[0139] The vehicle maintenance end node is notified according to the service information to bind the user's mobile phone number with the user information and the vehicle information; the bank end node is notified to bind the user's mobile phone number with the user information and the account information.

[0140] In one embodiment, the vehicle status analysis module 130 uses 5G messages to periodically collect vehicle driving information uploaded by the user terminal node, and determines the current vehicle status information according to the vehicle driving information, including:

[0141] Regularly collect vehicle driving information through user terminals or vehicle-mounted equipment;

[0142] Determine the vehicle wear and tear data of the current maintenance cycle according to the vehicle driving information; wherein the vehicle wear and tear data is a plurality of vehicle wear and tear quantitative values, including at least the vehicle mileage, driving road condition data, driving time, and part parameters collected by vehicle sensors;

[0143] The vehicle's condition quantification value during the maintenance cycle is determined based on the maintenance history information in the vehicle information database, and the vehicle's current condition information is determined based on the multiple vehicle wear quantification values ​​and the vehicle's condition quantification values ​​during the maintenance cycle.

[0144] In one embodiment, the vehicle condition analysis module 130 determines the vehicle wear and tear data of the current maintenance cycle according to the vehicle driving information, including:

[0145] Extracting historical driving route information and vehicle wear factor data of the vehicle in the current maintenance cycle according to the vehicle driving information; wherein the historical driving route information is a plurality of historical driving route points and a timestamp of each historical driving point, and the vehicle wear factor data is a plurality of vehicle parameters affecting vehicle wear corresponding to each historical driving point;

[0146] Calling an environmental parameter library corresponding to vehicle loss factor data, and determining an environmental parameter set corresponding to the vehicle loss factor data based on historical driving points and the timestamp of each of the historical driving points; wherein the environmental parameter set corresponding to the vehicle loss factor data includes a plurality of environmental parameters affecting vehicle loss corresponding to the vehicle at each historical driving point;

[0147] Based on multiple vehicle parameters and environmental parameters that affect vehicle wear and tear corresponding to each historical driving point, the vehicle wear and tear quantified value of each vehicle wear and tear item in each parameter interval is matched in a comparison table between the vehicle wear and tear quantified value of each vehicle wear and tear item and multiple parameter intervals of the vehicle parameters and multiple parameter intervals of the environmental parameters;

[0148] The vehicle loss quantification value of each parameter interval is cumulatively summed by time weight to obtain the vehicle loss quantification value of each vehicle loss item in the current maintenance cycle.

[0149] In one embodiment, the vehicle condition analysis module 130 determines the quantified value of the vehicle condition during the maintenance period according to the maintenance history information in the vehicle information database, and determines the vehicle current condition information according to the multiple quantified values ​​of vehicle wear and tear and the quantified values ​​of the vehicle condition during the maintenance period, including:

[0150] Determining multiple vehicle condition quantified values ​​of the vehicle after a previous maintenance cycle based on the maintenance history information in the vehicle information database;

[0151] Subtract the vehicle loss quantified value of the corresponding vehicle loss item from each vehicle condition quantified value to obtain each vehicle condition quantified value of the vehicle;

[0152] The vehicle current condition information is generated according to the quantified value of each current vehicle condition of the vehicle.

[0153] In one embodiment, the maintenance data processing module 140 generates maintenance plan data for the vehicle in the current maintenance cycle based on the current status information of the vehicle, and sends the maintenance plan data to the vehicle maintenance end node corresponding to the user's mobile phone number using a 5G message, including:

[0154] According to maintenance configuration data of a plurality of maintenance items corresponding to the vehicle, the vehicle current condition information is compared with the maintenance configuration data to generate a maintenance strategy for the vehicle; wherein the maintenance configuration data includes a plurality of state ranges and value ranges, respectively corresponding to different maintenance importance levels;

[0155] The maintenance plan data of the vehicle in the current maintenance cycle is generated according to the maintenance strategy.

[0156] In another embodiment, if Fig.14 As shown, the present invention provides a vehicle maintenance data processing device based on 5G message and bank-enterprise interconnection, which is applied to a vehicle maintenance terminal node, including:

[0157] The information binding module 210 is used to bind the user's mobile phone number with the user information and the vehicle information at the vehicle maintenance end node, and bind the user's mobile phone number with the user information and the account information at the bank end node according to the authentication information and the vehicle information database; wherein the authentication information is obtained by performing operator authentication on the user's mobile phone number;

[0158] The maintenance plan verification module 220 is used to verify the maintenance plan data according to the bound user mobile phone number, user information and vehicle information, and generate a maintenance order after the verification is passed; wherein the maintenance plan data is obtained by the bank end node through the following process: using 5G messages to regularly collect vehicle driving information uploaded by the user end node, and determining the current condition information of the vehicle according to the vehicle driving information; based on the current condition information of the vehicle, generating the maintenance plan data of the vehicle in the current maintenance cycle, and sending the maintenance plan data to the vehicle maintenance end node corresponding to the user mobile phone number using 5G messages; the maintenance plan data at least includes maintenance items, user mobile phone number, user information and vehicle information;

[0159] The payment bill generation module 230 is used for the vehicle maintenance end node to generate a payment bill and maintenance information after the maintenance items corresponding to the maintenance order are completed, send the payment bill to the bank end node using a 5G message, and upload the maintenance information to the vehicle information database; wherein the bank end node processes the payment bill sent by the vehicle maintenance end node according to the bound user mobile phone number, user information, and account information, generates a payment voucher, and pushes the payment voucher to the user terminal via a 5G message.

[0160] The implementation of the vehicle maintenance data processing device of the above-mentioned vehicle maintenance terminal node based on 5G messaging and bank-enterprise interconnection can refer to the implementation of the bank terminal node device.

[0161] It should be noted that although several modules of the vehicle maintenance data processing device based on 5G messaging and bank-enterprise interconnection are mentioned in the above detailed description, this division is merely exemplary and not mandatory. In fact, according to an embodiment of the present invention, the features and functions of two or more modules described above can be concretized in one module. Conversely, the features and functions of one module described above can be further divided into multiple modules for concretization.

[0162] Based on the above invention concept, Fig.15 As shown, the present invention also proposes a computer device 1500, including a memory 1510, a processor 1520, and a computer program 1530 stored in the memory 1510 and executable on the processor 1520, wherein the processor 1520 implements the aforementioned vehicle maintenance data processing method based on 5G messaging and bank-enterprise interconnection when executing the computer program 1530.

[0163] Based on the aforementioned inventive concept, the present invention proposes a computer-readable storage medium, which stores a computer program. When the computer program is executed by a processor, it implements the aforementioned vehicle maintenance data processing method based on 5G messages and bank-enterprise interconnection.

[0164] Based on the aforementioned inventive concept, the present invention proposes a computer program product, which includes a computer program. When the computer program is executed by a processor, it implements a vehicle maintenance data processing method based on 5G messages and bank-enterprise interconnection.

[0165] The vehicle maintenance data processing method and device based on 5G messaging and bank-enterprise interconnection proposed in the present invention build a vehicle information database and perform operator authentication on the user's mobile phone number, bind the user's mobile phone number with the user information and vehicle information at the vehicle maintenance end node, and bind the user's mobile phone number with the user information and account information at the bank end node, so that the vehicle maintenance end node and the bank end node can communicate with each other; and further use the 5G message mechanism to monitor and analyze vehicle information, accurately determine the maintenance plan, and achieve high-grained vehicle maintenance demand analysis to ensure vehicle safety, generate maintenance orders through the vehicle maintenance end node, and provide users with fast and convenient maintenance services. At the same time, during the vehicle maintenance process, customers do not need to repeatedly confirm information and queue up; the present invention combines bank-enterprise interconnection to realize fast order payment processing on the bank side. The overall solution can integrate vehicle maintenance monitoring and analysis, maintenance business processing, and fast payment, and effectively improve the processing efficiency of maintenance business through bank-enterprise interconnection, improve user experience, and provide strong technical support for banking business scenarios and vehicle maintenance scenarios.

[0166] The acquisition, storage, use, and processing of data in the technical solution of this application comply with the relevant provisions of laws and regulations.

[0167] It will be appreciated by those skilled in the art that embodiments of the present invention may be provided as methods, devices, or computer program products. Therefore, the present invention may take the form of a complete hardware embodiment, a complete software embodiment, or an embodiment combining software and hardware. Moreover, the present invention may take the form of a computer program product implemented on one or more computer-usable storage media (including but not limited to disk storage, CD-ROM, optical storage, etc.) containing computer-usable program code.

[0168] The present invention is described with reference to flowcharts and / or block diagrams of methods and computer program products according to embodiments of the present invention. It should be understood that each process and / or block in the flowchart and / or block diagram, as well as the combination of processes and / or blocks in the flowchart and / or block diagram, can be implemented by computer program instructions. These computer program instructions can be provided to a processor of a general-purpose computer, a special-purpose computer, an embedded processor, or other programmable data processing device to generate a machine, so that the instructions executed by the processor of the computer or other programmable data processing device generate instructions for implementing the processes in the flowchart and / or block diagram. Figure 1 A process or multiple processes and / or boxes Figure 1 A device that provides the functions specified in a block or multiple blocks.

[0169] These computer program instructions may also be stored in a computer-readable memory capable of directing a computer or other programmable data processing device to operate in a specific manner, so that the instructions stored in the computer-readable memory produce an article of manufacture comprising an instruction device, which implements the process Figure 1 A process or multiple processes and / or boxes Figure 1 A function specified in one or more boxes.

[0170] These computer program instructions can also be loaded onto a computer or other programmable data processing device so that a series of operating steps are executed on the computer or other programmable device to produce a computer-implemented process, thereby providing instructions for implementing the process. Figure 1 A process or multiple processes and / or boxes Figure 1 A step that specifies a function in one or more boxes.

[0171] Finally, it should be noted that the above-described embodiments are only specific implementations of the present invention, which are used to illustrate the technical solutions of the present invention, rather than to limit them. The protection scope of the present invention is not limited thereto. Although the present invention is described in detail with reference to the above-described embodiments, ordinary technicians in the field should understand that any technician familiar with the technical field can still modify the technical solutions recorded in the above-described embodiments within the technical scope disclosed by the present invention, or can easily think of changes, or make equivalent replacements for some of the technical features therein; and these modifications, changes or replacements do not make the essence of the corresponding technical solutions deviate from the spirit and scope of the technical solutions of the embodiments of the present invention, and should be included in the protection scope of the present invention. Therefore, the protection scope of the present invention shall be subject to the protection scope of the claims.

Claims

1. A vehicle maintenance data processing method based on 5G messaging and bank-enterprise interconnection, characterized in that: The method is applied to the bank end node, including: Constructing a vehicle information database, wherein the vehicle information database includes at least vehicle information, a user mobile phone number corresponding to the vehicle information, user information, and maintenance history information; the vehicle information, user mobile phone number, and maintenance history information are obtained with the authorization of the user; According to the authentication information and the vehicle information database, the user's mobile phone number is bound to the user information and the vehicle information at the vehicle maintenance end node, and the user's mobile phone number is bound to the user information and the account information at the bank end node; wherein the authentication information is obtained by the operator through operator authentication based on the user's mobile phone number; The vehicle driving information uploaded by the user terminal node is collected regularly by using 5G messages, and the current status information of the vehicle is determined according to the vehicle driving information; Based on the current status information of the vehicle, the maintenance plan data of the vehicle in the current maintenance cycle is generated, and the maintenance plan data is sent to the vehicle maintenance end node corresponding to the user's mobile phone number using a 5G message; the maintenance plan data at least includes maintenance items, user mobile phone number, user information, and vehicle information; wherein the vehicle maintenance end node verifies the maintenance plan data according to the bound user mobile phone number, user information, and vehicle information, and generates a maintenance order after the verification is passed; The payment bill sent by the vehicle maintenance end node is processed according to the bound user mobile phone number, user information and account information, a payment voucher is generated and the payment voucher is pushed to the user terminal via 5G message; wherein, when the maintenance item corresponding to the maintenance order is completed, the vehicle maintenance end node generates a payment bill and maintenance information, sends the payment bill to the bank end node using 5G message, and uploads the maintenance information to the vehicle information database.

2. The method according to claim 1, characterized in that Processing the payment bill sent by the vehicle maintenance end node according to the bound user mobile phone number, user information, and account information, generating a payment voucher, and pushing the payment voucher to the user terminal via a 5G message, including: According to the payment bill and the maintenance plan data, checking the consistency between the user's mobile phone number, user information and vehicle information in the payment bill and the user's mobile phone number, user information and vehicle information in the maintenance plan data, and whether the completed maintenance items in the payment bill are included in the maintenance items in the maintenance plan data; If the consistency check of the user's mobile phone number, user information and vehicle information is passed and the completed maintenance items are included in the maintenance items in the maintenance plan data, the payment will be automatically deducted according to the payment bill and account information, and a payment voucher will be generated and pushed to the user terminal via 5G message; If the consistency check of the user's mobile phone number, user information and vehicle information fails, or the completed maintenance items exceed the maintenance item scope of the maintenance plan data, the payment bill will be pushed to the user terminal of the user's mobile phone number corresponding to the payment bill via 5G message, and the user will complete the payment operation manually.

3. The method according to claim 2, characterized in that If the consistency check of the user's mobile phone number, user information and vehicle information is passed and the completed maintenance items are included in the maintenance items in the maintenance plan data, automatic deductions are made according to the payment bill and account information, and a payment voucher is generated and pushed to the user terminal via 5G messages, including: Determining the vehicle maintenance account balance of the user according to the account information; wherein the vehicle maintenance account balance is the available balance of the debit card account set by the user or the overdraft limit of the credit card account; When the balance of the vehicle maintenance account is greater than or equal to the payment amount corresponding to the payment bill, the payment amount is deducted from the balance of the vehicle maintenance account, a payment voucher is generated, and the payment voucher is fed back to the user terminal using a 5G message; When the balance in the vehicle maintenance account is less than the payment amount, determining the amount to be paid by the user based on the balance in the vehicle maintenance account and the payment amount; Generate payment information based on the amount to be repaid, and send the payment information to the user terminal using 5G messages, so that the user can choose other bank accounts to pay or transfer the amount to be repaid to the vehicle maintenance account based on the payment information; Receive information about other bank accounts or remittances to the vehicle maintenance account uploaded by the user terminal via 5G messages, deduct the balance of the vehicle maintenance account and the amount to be paid corresponding to the bank account, generate a payment voucher and feed the payment voucher back to the user terminal using 5G messages.

4. The method according to claim 1, characterized in that Build a vehicle information database, including: Obtain vehicle information when the vehicle is registered; wherein the vehicle information at least includes vehicle license plate information, vehicle frame number, vehicle production date and user purchase date; Bind vehicle information with user's mobile phone number and user information; Constructing a vehicle information database, and storing the vehicle information, user mobile phone number, and user information in the vehicle information database; When obtaining maintenance information after the vehicle has completed maintenance, the maintenance information is bound to the vehicle information as maintenance history information; The vehicle information, the user's mobile phone number corresponding to the vehicle information, the user information and the maintenance history information are stored in a vehicle information database.

5. The method according to claim 1, characterized in that According to the authentication information and the vehicle information database, the user's mobile phone number is bound to the user information and the vehicle information at the vehicle maintenance end node, and the user's mobile phone number is bound to the user information and the account information at the bank end node; wherein the authentication information is obtained by the operator through operator authentication based on the user's mobile phone number, including: The operator node verifies the user's identity information and permissions, and determines the service information corresponding to the user; The vehicle maintenance end node is notified according to the service information to bind the user's mobile phone number with the user information and the vehicle information; the bank end node is notified to bind the user's mobile phone number with the user information and the account information.

6. The method according to claim 1, characterized in that The vehicle driving information uploaded by the user terminal node is collected periodically using 5G messages, and the current vehicle status information is determined according to the vehicle driving information, including: Regularly collect vehicle driving information through user terminals or vehicle-mounted equipment; Determine the vehicle wear and tear data of the current maintenance cycle according to the vehicle driving information; wherein the vehicle wear and tear data is a plurality of vehicle wear and tear quantitative values, including at least the vehicle mileage, driving road condition data, driving time, and part parameters collected by vehicle sensors; The vehicle's condition quantification value during the maintenance cycle is determined based on the maintenance history information in the vehicle information database, and the vehicle's current condition information is determined based on the multiple vehicle wear quantification values ​​and the vehicle's condition quantification values ​​during the maintenance cycle.

7. The method according to claim 6, characterized in that Determining vehicle wear and tear data of a current maintenance cycle according to the vehicle driving information includes: Extracting historical driving route information and vehicle wear factor data of the vehicle in the current maintenance cycle according to the vehicle driving information; wherein the historical driving route information is a plurality of historical driving route points and a timestamp of each historical driving point, and the vehicle wear factor data is a plurality of vehicle parameters affecting vehicle wear corresponding to each historical driving point; Calling an environmental parameter library corresponding to vehicle loss factor data, and determining an environmental parameter set corresponding to the vehicle loss factor data based on historical driving points and the timestamp of each of the historical driving points; wherein the environmental parameter set corresponding to the vehicle loss factor data includes a plurality of environmental parameters affecting vehicle loss corresponding to the vehicle at each historical driving point; Based on multiple vehicle parameters and environmental parameters that affect vehicle wear and tear corresponding to each historical driving point, the vehicle wear and tear quantified value of each vehicle wear and tear item in each parameter interval is matched in a comparison table between the vehicle wear and tear quantified value of each vehicle wear and tear item and multiple parameter intervals of the vehicle parameters and multiple parameter intervals of the environmental parameters; The vehicle loss quantification value of each parameter interval is cumulatively summed by time weight to obtain the vehicle loss quantification value of each vehicle loss item in the current maintenance cycle.

8. The method according to claim 7, characterized in that Determining the quantified value of the vehicle condition during the maintenance period according to the maintenance history information in the vehicle information database, and determining the vehicle current condition information according to the plurality of quantified values ​​of vehicle wear and tear and the quantified values ​​of the vehicle condition during the maintenance period, including: Determining multiple vehicle condition quantified values ​​of the vehicle after a previous maintenance cycle based on the maintenance history information in the vehicle information database; Subtract the vehicle loss quantified value of the corresponding vehicle loss item from each vehicle condition quantified value to obtain each vehicle condition quantified value of the vehicle; The vehicle current condition information is generated according to the quantified value of each current vehicle condition of the vehicle.

9. The method according to claim 8, characterized in that Based on the current status information of the vehicle, the maintenance plan data of the vehicle in the current maintenance cycle is generated, and the maintenance plan data is sent to the vehicle maintenance end node corresponding to the user's mobile phone number using a 5G message, including: According to maintenance configuration data of a plurality of maintenance items corresponding to the vehicle, the vehicle current condition information is compared with the maintenance configuration data to generate a maintenance strategy for the vehicle; wherein the maintenance configuration data includes a plurality of state ranges and value ranges, respectively corresponding to different maintenance importance levels; The maintenance plan data of the vehicle in the current maintenance cycle is generated according to the maintenance strategy.

10. A vehicle maintenance data processing method based on 5G messaging and bank-enterprise interconnection, characterized in that: The method is applied to a vehicle maintenance end node, including: According to the authentication information and the vehicle information database, the user's mobile phone number is bound to the user information and the vehicle information at the vehicle maintenance end node, and the user's mobile phone number is bound to the user information and the account information at the bank end node; wherein the authentication information is obtained by performing operator authentication on the user's mobile phone number; The maintenance plan data is checked according to the bound user mobile phone number, user information and vehicle information, and a maintenance order is generated after the check is passed; wherein the maintenance plan data is obtained by the bank end node through the following process: using 5G messages to regularly collect vehicle driving information uploaded by the user end node, and determining the vehicle current status information according to the vehicle driving information; based on the vehicle current status information, the maintenance plan data of the vehicle in the current maintenance cycle is generated, and the maintenance plan data is sent to the vehicle maintenance end node corresponding to the user mobile phone number using 5G messages; the maintenance plan data includes at least maintenance items, user mobile phone number, user information and vehicle information; When the maintenance items corresponding to the maintenance order are completed, the vehicle maintenance end node generates a payment bill and maintenance information, sends the payment bill to the bank end node using a 5G message, and uploads the maintenance information to the vehicle information database; wherein the bank end node processes the payment bill sent by the vehicle maintenance end node according to the bound user mobile phone number, user information, and account information, generates a payment voucher, and pushes the payment voucher to the user terminal via a 5G message.

11. A vehicle maintenance data processing device based on 5G messaging and bank-enterprise interconnection, characterized in that: The device is applied to the bank end node, including: A database construction module, used to construct a vehicle information database, wherein the vehicle information database at least includes vehicle information, a user mobile phone number corresponding to the vehicle information, user information, and maintenance history information; the vehicle information, user mobile phone number, and maintenance history information are obtained with user authorization; An information binding module, for binding the user's mobile phone number with the user information and the vehicle information at the vehicle maintenance end node, and binding the user's mobile phone number with the user information and the account information at the bank end node according to the authentication information and the vehicle information database; wherein the authentication information is obtained by the operator through operator authentication according to the user's mobile phone number; A vehicle status analysis module is used to periodically collect vehicle driving information uploaded by a user terminal node using 5G messages, and determine the current vehicle status information based on the vehicle driving information; A maintenance data processing module is used to generate maintenance plan data for the vehicle in the current maintenance cycle based on the current status information of the vehicle, and send the maintenance plan data to the vehicle maintenance end node corresponding to the user's mobile phone number using a 5G message; the maintenance plan data at least includes maintenance items, user mobile phone number, user information, and vehicle information; wherein the vehicle maintenance end node verifies the maintenance plan data according to the bound user mobile phone number, user information, and vehicle information, and generates a maintenance order after the verification is passed; The bill processing module is used to process the payment bill sent by the vehicle maintenance end node according to the bound user mobile phone number, user information and account information, generate a payment voucher and push the payment voucher to the user terminal via 5G message; wherein, when the maintenance item corresponding to the maintenance order is completed, the vehicle maintenance end node generates a payment bill and maintenance information, sends the payment bill to the bank end node using 5G message, and uploads the maintenance information to the vehicle information database.

12. A vehicle maintenance data processing device based on 5G messaging and bank-enterprise interconnection, characterized in that: The device is applied to the vehicle maintenance end node, including: An information binding module, for binding the user's mobile phone number with the user information and the vehicle information at the vehicle maintenance end node, and binding the user's mobile phone number with the user information and the account information at the bank end node according to the authentication information and the vehicle information database; wherein the authentication information is obtained by performing operator authentication on the user's mobile phone number; The maintenance plan verification module is used to verify the maintenance plan data according to the bound user mobile phone number, user information and vehicle information, and generate a maintenance order after the verification is passed; wherein, the maintenance plan data is obtained by the bank end node through the following process: using 5G messages to regularly collect vehicle driving information uploaded by the user end node, and determining the vehicle current status information according to the vehicle driving information; based on the vehicle current status information, generating the vehicle maintenance plan data in the current maintenance cycle, and sending the maintenance plan data to the vehicle maintenance end node corresponding to the user mobile phone number using 5G messages; the maintenance plan data at least includes maintenance items, user mobile phone number, user information and vehicle information; The payment bill generation module is used for generating a payment bill and maintenance information at the vehicle maintenance end node after the maintenance items corresponding to the maintenance order are completed, sending the payment bill to the bank end node using a 5G message, and uploading the maintenance information to the vehicle information database; wherein the bank end node processes the payment bill sent by the vehicle maintenance end node according to the bound user mobile phone number, user information, and account information, generates a payment voucher, and pushes the payment voucher to the user terminal via a 5G message.

13. A computer device comprising a memory, a processor and a computer program stored in the memory and executable on the processor, characterized in that: When the processor executes the computer program, the method according to any one of claims 1 to 10 is implemented.

14. A computer-readable storage medium, characterized in that: The computer-readable storage medium stores a computer program, and when the computer program is executed by a processor, the method according to any one of claims 1 to 10 is implemented.

15. A computer program product, characterized in that The computer program product comprises a computer program, and when the computer program is executed by a processor, the method according to any one of claims 1 to 10 is implemented.

Images