Financial vehicle locking method, device and equipment based on safety verification and storage medium

Abstract

The invention discloses a financial vehicle locking method, device and equipment based on safety verification and a storage medium, relates to the technical field of vehicle financial management, and discloses a financial vehicle locking method based on safety verification, which comprises the following steps: acquiring financial service state information of a vehicle, and determining a vehicle risk state according to the financial service state information; generating a vehicle use limitation strategy according to the vehicle risk state, and determining a target control instruction according to the vehicle use limitation strategy; performing safety verification according to the target control instruction to obtain a safety verification result; and when the safety verification result is that safety verification is passed, vehicle use is limited according to the target control instruction and the vehicle risk state, so that financial vehicle locking based on safety verification is completed. Safe and accurate vehicle financial locking is achieved, and vehicle financial management safety and management and control effectiveness are guaranteed.

Description

Technical Field

[0001] This application relates to the field of vehicle financial management technology, and in particular to a financial vehicle locking method, apparatus, device, and storage medium based on security verification. Background Technology

[0002] The sales model for new energy vehicles is gradually expanding from one-time purchases to diversified financial and service models such as financial leasing, battery leasing, installment payments, and feature subscriptions. While these models lower the barrier to entry for users, they also significantly increase the need for financial institutions and vehicle manufacturers to control the risk of vehicle usage status in the post-loan management phase.

[0003] Given the aforementioned technological background, traditional solutions typically follow the financial vehicle locking approach from the era of gasoline-powered vehicles. They use aftermarket hardware or simple remote control methods to directly intervene in vehicle starting, power supply, or key components to restrict vehicle use. These solutions generally employ a single, rigid control method, lacking in-depth consideration of the vehicle's real-time operating status and the characteristics of the overall vehicle electronic architecture, making them difficult to adapt to the highly integrated control systems of new energy vehicles.

[0004] The above content is only used to help understand the technical solution of this application and does not represent an admission that the above content is prior art. Summary of the Invention

[0005] The main purpose of this application is to provide a financial vehicle locking method, device, equipment and storage medium based on security verification, which aims to solve the technical problem of difficulty in achieving security management of the use behavior of new energy vehicles with financial risks without affecting driving safety and basic user experience.

[0006] To achieve the above objectives, this application proposes a financial vehicle locking method based on security verification, the method comprising: Obtain the vehicle's financial business status information and determine the vehicle's risk status based on the financial business status information; A vehicle use restriction policy is generated based on the vehicle risk status, and a target control command is determined based on the vehicle use restriction policy. A security verification is performed based on the target control command to obtain the security verification result. When the security verification result is that the security verification is passed, the vehicle use is restricted according to the target control command and the vehicle risk status to complete the financial vehicle locking based on the security verification.

[0007] In one embodiment, the step of performing security verification according to the target control command and obtaining the security verification result includes: Acquire vehicle bus data and vehicle operation data; The target performance parameters are determined from the vehicle bus data based on the target control instructions. Determine the target performance threshold based on the target performance parameters; A safety verification is performed based on the vehicle operation data, the target performance parameters, and the target performance threshold to obtain the safety verification result.

[0008] In one embodiment, the step of performing a safety verification based on the vehicle operating data, the target performance parameters, and the target performance threshold to obtain a safety verification result includes: Obtain a preset vehicle speed threshold, and determine the current vehicle speed and vehicle power status based on the vehicle operation data; When the current vehicle speed is less than or equal to the preset vehicle speed threshold or the vehicle power state is in a ready state, a performance safety check is performed based on the target performance parameters and the target performance threshold to obtain the performance check result. When the performance verification result is "performance verification passed", the security verification result is determined to be "security verification passed".

[0009] In one embodiment, the step of generating a vehicle use restriction policy based on the vehicle risk status includes: The target risk level is determined based on the vehicle's risk status. Match target restriction rules to the target risk level, and generate vehicle use restriction policies based on the target restriction rules.

[0010] In one embodiment, the step of restricting vehicle use based on the target control command and the vehicle risk status when the security verification result is a successful security verification, in order to complete the security-based vehicle locking mechanism, includes: When the safety verification result is that the safety verification is passed, the target restriction level is determined based on the vehicle risk status; The target control command is sent to the vehicle terminal according to the target restriction level, so that the vehicle terminal restricts vehicle use according to the target control command to complete the financial vehicle locking based on security verification.

[0011] In one embodiment, the step of sending the target control command to the vehicle terminal according to the target restriction level, so that the vehicle terminal restricts vehicle use according to the target control command to complete the financial vehicle locking based on security verification, includes: When the target restriction level is the first restriction level, a comfort reduction instruction is determined according to the target control instruction; When the target restriction level is the second restriction level, a low-speed operation instruction is determined according to the target control instruction; When the target restriction level is the third restriction level, a deactivation instruction is determined according to the target control instruction; The vehicle sends one of the following commands to the vehicle: the reduced comfort command, the low-speed operation command, and the deactivation command. The vehicle then responds to the command according to the given instructions. In one embodiment, after the step of restricting vehicle use according to the target control command and the vehicle risk status when the security verification result is a successful security verification, the method further includes: Obtain updates on the vehicle's financial service status; Determine whether the vehicle meets the conditions for lifting the restriction based on the financial business status update information; When the vehicle meets the conditions for lifting the restriction, a recovery control command is generated; The vehicle usage restrictions imposed by the target control command are restored according to the restored control command.

[0012] In addition, to achieve the above objectives, this application also proposes a security-verified financial vehicle locking device, which includes a risk determination module for acquiring the vehicle's financial business status information and determining the vehicle's risk status based on the financial business status information. The strategy generation module is used to generate a vehicle use restriction strategy based on the vehicle risk status, and to determine a target control command based on the vehicle use restriction strategy. The security verification module is used to perform security verification according to the target control command and obtain the security verification result; The financial vehicle locking module is used to restrict vehicle use according to the target control command and the vehicle risk status when the security verification result is that the security verification is passed, so as to complete the financial vehicle locking based on security verification.

[0013] Furthermore, to achieve the above objectives, this application also proposes a security-verification-based financial vehicle locking device, the device comprising: a memory, a processor, and a computer program stored in the memory and executable on the processor, the computer program being configured to implement the steps of the security-verification-based financial vehicle locking method described above.

[0014] In addition, to achieve the above objectives, this application also proposes a storage medium, which is a computer-readable storage medium, on which a computer program is stored, and when the computer program is executed by a processor, it implements the steps of the financial vehicle locking method based on security verification as described above.

[0015] In addition, to achieve the above objectives, this application also provides a computer program product, which includes a computer program that, when executed by a processor, implements the steps of the financial vehicle locking method based on security verification as described above.

[0016] One or more technical solutions proposed in this application have at least the following technical effects: By employing a design that uses financial business status information to determine vehicle risk status, vehicle usage restrictions can be directly linked to the degree of financial risk. This effectively addresses the problems of existing technologies' lack of specificity and their crude intervention methods. By adding security verification steps, instructions executed in unsafe scenarios can be filtered out. Compared to existing technologies, this approach, through the adaptation design of risk status and control instructions and the pre-emptive control of security verification, avoids the harm to user rights caused by a one-size-fits-all approach to locking the vehicle, and eliminates the security risks of triggering vehicle locking instructions while driving. It achieves a balance between financial risk control needs, vehicle driving safety, and the security of users' basic vehicle use rights, as well as a precise financial vehicle locking effect, overcoming the core defects of existing technologies such as high security risks and rigid intervention modes. Attached Figure Description

[0017] The accompanying drawings, which are incorporated in and form part of this specification, illustrate embodiments consistent with this application and, together with the description, serve to explain the principles of this application.

[0018] To more clearly illustrate the technical solutions in the embodiments of this application or the prior art, the drawings used in the description of the embodiments or the prior art will be briefly introduced below. Obviously, for those skilled in the art, other drawings can be obtained based on these drawings without creative effort.

[0019] Figure 1 This is a flowchart illustrating an embodiment of the financial vehicle locking method based on security verification in this application. Figure 2 This is a flowchart illustrating Embodiment 2 of the financial vehicle locking method based on security verification provided in this application; Figure 3 This is a schematic diagram of the module structure of the financial vehicle locking device based on security verification according to an embodiment of this application; Figure 4 This is a schematic diagram of the hardware operating environment involved in the financial vehicle locking method based on security verification in the embodiments of this application.

[0020] The purpose, features, and advantages of this application will be further explained in conjunction with the embodiments and with reference to the accompanying drawings. Detailed Implementation

[0021] It should be understood that the specific embodiments described herein are merely illustrative of the technical solutions of this application and are not intended to limit this application.

[0022] To better understand the technical solution of this application, a detailed description will be provided below in conjunction with the accompanying drawings and specific implementation methods.

[0023] The main solution of this application embodiment is as follows: obtain the vehicle's financial business status information, and determine the vehicle's risk status based on the financial business status information; generate a vehicle use restriction policy based on the vehicle risk status, and determine a target control instruction based on the vehicle use restriction policy; perform security verification based on the target control instruction to obtain a security verification result; when the security verification result is that the security verification is passed, restrict vehicle use based on the target control instruction and the vehicle risk status to complete the financial vehicle locking based on security verification.

[0024] In this embodiment, for ease of description, the following description will focus on identifying a financial vehicle locking device based on security verification.

[0025] Because existing technologies, without compromising driving safety and basic user experience, struggle to effectively manage the safe use of new energy vehicles posing financial risks, this application offers a solution. By employing a design that uses financial business status information to determine vehicle risk status, vehicle usage restrictions are directly linked to the degree of financial risk. This specifically addresses the lack of targeted and abrupt interventions in existing technologies. By adding security verification steps, it filters out commands executed in unsafe scenarios. Compared to existing technologies, this approach, through its adaptive design of risk status and control commands and proactive security verification, avoids the harm to user rights caused by a one-size-fits-all approach to locking, while eliminating the security risks of triggering vehicle locking commands while driving. It achieves a balance between financial risk control needs, vehicle driving safety, and the security of users' basic driving rights, while providing precise financial vehicle locking, overcoming the core shortcomings of existing technologies such as high security risks and rigid intervention models.

[0026] It should be noted that the executing entity in this embodiment can be a computing service device with data processing, network communication, and program execution functions, such as a tablet computer, personal computer, or mobile phone, or an electronic device capable of performing the above functions, such as a security-verified financial vehicle locking device. The following description uses a security-verified financial vehicle locking device as an example to illustrate this embodiment and the subsequent embodiments.

[0027] Based on this, the embodiments of this application provide a financial vehicle locking method based on security verification, referring to... Figure 1 , Figure 1 This is a flowchart illustrating the first embodiment of the financial vehicle locking method based on security verification in this application.

[0028] In this embodiment, the financial vehicle locking method based on security verification includes steps S10~S40: Step S10: Obtain the vehicle's financial business status information and determine the vehicle's risk status based on the financial business status information. It should be noted that the financial business status information refers to financial transaction data related to the vehicle, including loan contract agreements, repayment plan execution status, and key information such as whether the loan is overdue, the number of overdue days, and the overdue amount. This information is obtained synchronously through the connection with the financial institution's business system.

[0029] In addition, the vehicle risk status is a risk level identifier based on the status information of financial transactions. Different overdue situations correspond to different risk levels, and this level directly determines the intensity of subsequent vehicle use restrictions.

[0030] Understandably, by continuously synchronizing the vehicle's financial status information, when overdue payments occur, such as when user Mr. Li repeatedly defaults on battery rental payments, the corresponding vehicle risk status is determined based on this overdue information.

[0031] Step S20: Generate a vehicle use restriction policy based on the vehicle risk status, and determine a target control command based on the vehicle use restriction policy; It should be noted that the vehicle use restriction strategy is a gradual control plan corresponding to the risk status of the vehicle. Its core is to adjust the scope of restrictions step by step according to the risk level, rather than locking up the entire vehicle all at once, but gradually affecting the comfort, convenience and usability of the vehicle.

[0032] Additionally, target control instructions are specific executable instructions that transform vehicle usage restriction policies. These instructions can be recognized and responded to by various domain controllers of the vehicle, specifying the specific operations that need to be performed.

[0033] Understandably, the system first compares the built-in configurable risk control rules, such as the overdue days and amount thresholds, and then formulates corresponding strategies based on the determined vehicle risk status. Low-risk status corresponds to comfort function restriction strategies, medium-risk status corresponds to power performance restriction strategies, and high-risk status corresponds to core usage function restriction strategies. These strategies are then broken down into specific instructions that each domain controller can recognize and execute, such as instructions to disable the air conditioning compressor, instructions to limit motor output torque, and instructions to disable DC fast charging.

[0034] In one feasible implementation, step S20 may include steps S21-S22: Step S21: Determine the target risk level based on the vehicle risk status; It should be noted that the target risk level is a hierarchical designation based on the status information of vehicle financing transactions, corresponding to different levels of risk. Each level corresponds to preset risk assessment criteria, such as threshold conditions for overdue days or overdue amounts. These levels are the core basis for subsequently formulating vehicle usage restriction strategies, with different levels representing different degrees of risk severity.

[0035] Understandably, based on the obtained vehicle financial business status information and in accordance with the preset risk assessment standards, the target risk level corresponding to the vehicle is determined.

[0036] Step S22: Match target restriction rules according to the target risk level, and generate vehicle use restriction policies according to the target restriction rules.

[0037] It should be noted that the target restriction rules are preset vehicle function control rules corresponding to each target risk level. They clearly define the specific vehicle functions that need to be restricted under different risk levels, the restriction methods, and the restriction intensity, covering multiple dimensions such as comfort functions, power performance, and energy replenishment functions.

[0038] Understandably, based on the determined target risk level, the corresponding target restriction rule is matched from the preset restriction rule library, and then a specific vehicle use restriction strategy is formulated based on the target restriction rule.

[0039] Step S30: Perform a security verification according to the target control command to obtain the security verification result; It should be noted that the safety verification is a compliance assessment process based on the real-time operating status of the vehicle. Its core is to obtain key vehicle parameters to determine whether the execution of target control commands will affect driving safety, and to ensure that the commands are effective only in safe scenarios.

[0040] In addition, the security verification result is the output of the security verification process, which is divided into two cases: verification pass and verification fail. If the verification fails, the target control instruction will be delayed in execution; if the verification passes, the instruction will be allowed to be executed subsequently.

[0041] Understandably, by continuously monitoring and parsing vehicle bus data, parameters such as vehicle speed, gear signal, and power status are obtained to determine whether the target control command is suitable for immediate execution.

[0042] In one feasible implementation, step S30 may include steps S31 to S34: Step S31: Obtain vehicle bus data and vehicle operation data; It should be noted that vehicle bus data is various vehicle-related data transmitted through the vehicle high-speed network bus, which includes Controller Area Network Flexible Data-Rate (CAN FD), vehicle Ethernet, etc. This data is the basic information reflecting the status of various vehicle systems.

[0043] In addition, vehicle operation data are key parameters that directly reflect the real-time operating status of the vehicle, including vehicle speed, gear position signals (P for parking, N for neutral, D for drive, R for reverse), vehicle power status (OFF for off, ACC for accessories powered on, ON for ignition powered on), and safety-related data such as Ready for driving preparation.

[0044] Understandably, by continuously monitoring and parsing the vehicle bus, vehicle bus data and vehicle operation data can be obtained, providing comprehensive and real-time data support for subsequent safety verification.

[0045] Step S32: Determine the target performance parameters from the vehicle bus data based on the target control command; It should be noted that target performance parameters are parameters that are associated with target control commands and may affect the vehicle's dynamic performance, such as motor output torque limit parameters, maximum vehicle speed limit parameters, power limit parameters, etc. These parameters are directly related to the vehicle's power state during driving.

[0046] It is understandable that, based on the core requirements of the target control command, the target performance parameters are selected and determined from the acquired vehicle bus data. For example, when the target control command is a speed limit command, the corresponding target performance parameters are the parameters related to the maximum vehicle speed.

[0047] Step S33: Determine the target performance threshold based on the target performance parameters; It should be noted that the target performance threshold is a safety judgment standard set for the target performance parameters. This standard is preset based on the vehicle driving safety requirements and is used to determine whether the current state of the vehicle is suitable for executing the target control command.

[0048] Understandably, based on the determined target performance parameters, the preset safety judgment criteria are retrieved to determine the corresponding target performance threshold. For example, when the target performance parameter is vehicle speed, the corresponding target performance threshold can be set to 5 km / h.

[0049] Step S34: Perform a safety verification based on the vehicle operation data, the target performance parameters, and the target performance threshold to obtain the safety verification result.

[0050] Understandably, by comparing the acquired vehicle operation data with the target performance threshold and combining the characteristics of the target performance parameters to determine whether the safe execution conditions are met, a comprehensive comparison of multi-dimensional data is achieved, enabling an accurate judgment on the safety of the execution of target control commands. This ensures from a technical perspective that the restriction commands only take effect in absolutely safe scenarios, completely eliminating the possibility of executing risky commands while driving.

[0051] In one feasible implementation, step S34 may include steps S341 to S343: Step S341: Obtain a preset vehicle speed threshold, and determine the current vehicle speed and vehicle power status based on the vehicle operation data; It should be noted that the preset speed threshold is a speed judgment standard pre-set based on vehicle driving safety requirements. This standard has been verified by a large number of safety tests and is used to determine whether the vehicle is in a stationary or low-speed safe state. In this embodiment, the threshold is set to 5 km / h.

[0052] In addition, the current vehicle speed is the actual speed of the vehicle during real-time operation. It is one of the core parameters in vehicle operation data and directly reflects whether the vehicle is currently in motion.

[0053] Furthermore, the vehicle power status refers to the vehicle's power operating mode, including OFF (off), ACC (accessory power-on), ON (ignition power-on), and Ready (driving preparation) modes. Among these, the Ready state is the key power state for the vehicle to enter driving preparation.

[0054] Step S342: When the current vehicle speed is less than or equal to the preset vehicle speed threshold or the vehicle power state is in a ready state, a performance safety verification is performed based on the target performance parameters and the target performance threshold to obtain the performance verification result. It should be noted that performance safety verification is a special comparison and verification of target performance parameters and target performance thresholds. Its purpose is to ensure that after the target control command is executed, the relevant performance of the vehicle meets the safety requirements and there will be no safety hazards caused by performance abnormalities.

[0055] In addition, the performance verification result is the output conclusion of the performance security verification process, which is divided into two cases: performance verification passed and performance verification failed. This result directly determines the final judgment of the subsequent security verification result.

[0056] Furthermore, when the current vehicle speed is greater than the preset vehicle speed threshold and the vehicle power status is not in the ready state, the safety verification result is determined to be a safety verification failure.

[0057] Understandably, when the current vehicle speed does not exceed the preset vehicle speed threshold or the vehicle power status is Ready, the target performance parameters are compared with the target performance threshold to complete the performance safety verification and obtain the performance verification result.

[0058] Step S343: When the performance verification result is that the performance verification is passed, the security verification result is determined to be that the security verification is passed.

[0059] Understandably, when the performance verification result is "performance verification passed," meaning the target performance parameters meet the target performance threshold requirements, the security verification result is directly determined to be "security verification passed," allowing subsequent execution of target control commands.

[0060] Step S40: When the security verification result is that the security verification is passed, the vehicle use is restricted according to the target control command and the vehicle risk status to complete the financial vehicle locking based on security verification.

[0061] Understandably, when the safety verification result is passed, the target control command is sent to the corresponding domain controller via the vehicle bus, and the domain controller executes the corresponding operation according to the command.

[0062] By accurately acquiring the status of financial business and determining the risk level, appropriate restriction policies and control instructions are generated. After strict security verification, vehicle usage restrictions are implemented. This not only avoids the damage to user rights caused by the crude locking of traditional solutions, but also completely eliminates the security risks of triggering vehicle locking instructions while driving. It achieves a balance between financial risk control needs, vehicle driving safety, and users' basic vehicle use rights, making financial vehicle locking management safer and more precise.

[0063] In one feasible implementation, steps S50 to S80 may be included after step S40: Step S50: Obtain the vehicle's financial service status update information; It should be noted that the updated financial service status information is the latest data after changes have occurred in the vehicle's original financial service status. This includes information related to changes in the financial service status caused by the user settling overdue payments or making up outstanding fees. This information is obtained in real time through real-time connection with the financial institution's business system.

[0064] Understandably, by establishing a stable and continuous connection with the financial institution's business system through the cloud-based financial business interface module, the dynamic changes in the vehicle's financial business can be synchronized in real time. This includes updates related to changes in the financial business status, such as whether the user has settled overdue payments or made up for outstanding fees, ensuring that the latest status of the vehicle's financial business is captured in a timely manner.

[0065] Step S60: Determine whether the vehicle meets the conditions for lifting the restriction based on the financial business status update information; It should be noted that the conditions for lifting the restrictions are the preset criteria for determining whether the vehicle usage restrictions can be lifted. The core is that the vehicle's financial business status has returned to normal, that is, the user has settled all overdue debts and related fees, and met the normal performance requirements stipulated in the loan contract.

[0066] It is understandable that the obtained financial business status update information is checked to determine whether the vehicle meets the preset conditions for lifting the restrictions. For example, after Mr. Li settles all overdue battery rental fees, it is determined that he meets the conditions for lifting the restrictions.

[0067] Step S70: When the vehicle meets the conditions for lifting the restriction, a recovery control command is generated; It should be noted that the recovery control command is a specific executable command used to instruct the relevant domain controllers of the vehicle to restore the restricted functions. This command corresponds to the previously generated target control command and specifies the specific functions that need to be restored.

[0068] Understandably, once the vehicle is determined to meet the conditions for lifting the restrictions, a corresponding recovery control command is immediately generated. This command will specify the operation requirements for the previously restricted functions of the vehicle, sending them to the relevant execution terminals such as the power domain controller, body domain controller, thermal management system controller, and battery management system. For example, it will instruct the power domain controller to restore the normal settings of motor output torque and maximum vehicle speed, instruct the thermal management system controller to restart comfort loads such as the air conditioning compressor, and instruct the battery management system to restore the DC fast charging function, ensuring that all restricted functions return to normal operation.

[0069] Step S80: Restore the vehicle usage restrictions imposed by the target control command according to the restored control command.

[0070] Understandably, the generated recovery control command is sent to the corresponding domain controller via the vehicle's high-speed network bus. After receiving the command, each domain controller executes the recovery operation. For example, after Mr. Li's vehicle receives the command, the HVAC controller restores the air conditioning compressor function, the VDC restores the motor output torque and maximum speed limit, and the BMS restores the DC fast charging function.

[0071] This embodiment provides a financial vehicle locking method based on security verification. By using cloud-based collaborative flexible financial vehicle locking technology based on the domain control architecture of new energy vehicles, it solves the technical problems of traditional financial vehicle locking solutions on new energy vehicles, such as incompatibility contradictions, security risks, poor user experience, and inability to meet the needs of innovative financial models. It achieves the beneficial effects of ensuring vehicle driving safety, protecting users' basic vehicle use rights, and supporting the refined risk control management of innovative business models of new energy vehicles while ensuring financial risk control needs.

[0072] Based on the first embodiment of this application, in the second embodiment of this application, the content that is the same as or similar to that in the first embodiment described above can be referred to the above description, and will not be repeated hereafter. Based on this, please refer to... Figure 2 The step S40 of the security-verification-based financial vehicle locking method includes steps S41 to S42: Step S41: When the safety verification result is that the safety verification is passed, determine the target restriction level according to the vehicle risk status; It should be noted that the target restriction level is a preset graded control label corresponding to the risk status of the vehicle. Each level clearly defines the corresponding restriction scope and intensity. The classification is based on preset risk control rules such as overdue days and amount thresholds. Specifically, it includes three levels: Level 1 restriction, Level 2 restriction, and Level 3 restriction.

[0073] Understandably, after the security verification is passed, the built-in configurable risk control rule preset model is invoked, and the previously determined vehicle risk status, such as short-term overdue, medium-term overdue, long-term malicious overdue, is matched with the preset risk status and target restriction level correspondence in the model. Short-term overdue matches the first-level restriction level, medium-term overdue matches the second-level restriction level, and long-term malicious overdue matches the third-level restriction level, thereby deriving the corresponding target restriction level.

[0074] Step S42: Send the target control command to the vehicle terminal according to the target restriction level, so that the vehicle terminal restricts vehicle use according to the target control command, thereby completing the financial vehicle locking based on security verification.

[0075] It should be noted that the vehicle-side is a collection of vehicle-side components that receive and execute target control commands, including the enhanced in-vehicle intelligent gateway, the vehicle high-speed network bus, and key domain controllers such as the power domain controller, body domain controller, and thermal management system controller.

[0076] Understandably, based on the determined target restriction level, the corresponding target control command is sent to the vehicle. The vehicle receives the command through relevant components and then executes the specific restriction operation. For example, after the Level 1 restriction command is sent, the thermal management system controller disables the compressor.

[0077] In one feasible implementation, step S42 may include steps S421 to S424: Step S421: When the target restriction level is the first restriction level, determine a reduction comfort command according to the target control command; It should be noted that the first restriction level is one of the preset graded control levels, corresponding to the low-risk state of short-term vehicle overdue. This level is determined based on preset risk control rules such as overdue days thresholds. The core is to guide users to fulfill their obligations by restricting comfort functions.

[0078] Additionally, the Reduced Comfort command is a target control command that matches the first restriction level. It is used to restrict the vehicle's comfort-related functions without affecting the vehicle's basic mobility. Specifically, it includes commands to disable the air conditioning compressor, seat heating, and seat ventilation.

[0079] Understandably, when the target restriction level is determined to be the first restriction level corresponding to the short-term overdue period, the instructions for vehicle comfort functions are filtered out from the target control instructions generated in the cloud. Specifically, the instruction to disable the air conditioning compressor is directed to the thermal management system controller, and the instruction to disable the seat heating and seat ventilation is directed to the cabin domain controller, thereby determining the corresponding instruction to reduce comfort.

[0080] Step S422: When the target restriction level is the second restriction level, a low-speed operation command is determined according to the target control command; It should be noted that the second restriction level is a tiered control level corresponding to the medium-risk status of a vehicle's mid-term overdue payment. The risk control rule threshold for this level is higher than that of the first restriction level, and the intervention intensity is moderately increased, focusing on restricting the vehicle's travel convenience.

[0081] In addition, the low-speed operation command is a target control command that matches the second restriction level. Its core is to limit the vehicle's power performance, including specific commands such as setting the maximum allowable speed and limiting the motor output torque, so that the vehicle enters the limp home mode.

[0082] Understandably, when the target restriction level is determined to be the second restriction level corresponding to the mid-term overdue period, the target control instructions generated from the cloud are filtered to select instructions for vehicle power performance. Specifically, the instructions to set the maximum allowable vehicle speed to 60km / h and the instructions to limit the motor output torque to 50% are directed to the power domain controller. In this way, the corresponding low-speed operation instructions are determined to put the vehicle into limp home mode.

[0083] Step S424: When the target restriction level is the third restriction level, determine the deactivation instruction according to the target control instruction; It should be noted that the third restriction level is a graded control level corresponding to the high-risk status of a vehicle's long-term malicious overdue payment. This level has the highest risk control rule threshold and the strongest intervention, which directly affects the core usability of the vehicle.

[0084] Additionally, the deactivation command is a target control command that matches the third restriction level. It is used to deactivate the vehicle's key functions, including disabling DC fast charging and prohibiting the next remote start, to assist financial institutions in asset management.

[0085] Understandably, when the target restriction level is determined to be the third restriction level corresponding to long-term malicious overdue, the instructions for core vehicle functions are filtered from the target control instructions generated in the cloud. Specifically, the instructions for prohibiting the next remote start are directed to the body domain controller, the instructions for disabling DC fast charging are directed to the battery management system, and the instructions for triggering audible and visual alarms when the vehicle is parked are directed to the body domain controller. The corresponding deactivation instructions are thus determined.

[0086] Step S424: Send one of the comfort reduction command, the low speed operation command, and the deactivation command to the vehicle terminal, so that the vehicle terminal restricts vehicle use according to one of the comfort reduction command, the low speed operation command, and the deactivation command, thereby completing the financial vehicle locking based on security verification.

[0087] It should be noted that the vehicle-side components include an enhanced in-vehicle intelligent gateway, a high-speed vehicle network bus, and key domain controllers such as the thermal management system controller, power domain controller, and battery management system, which are capable of receiving and executing instructions.

[0088] Understandably, based on the determined Level 1, Level 2, or Level 3 target restriction levels, one of the corresponding comfort reduction command, low-speed operation command, or shutdown command is encrypted by the cloud-based secure communication service gateway and then sent to the vehicle. The enhanced on-board intelligent gateway receives the command, performs protocol conversion, and then distributes it to the corresponding thermal management system controller, power domain controller, battery management system, and other domain controllers via the vehicle's high-speed network bus. These components then execute the specific operations according to the command requirements.

[0089] This embodiment provides a financial vehicle locking method based on security verification. By using a flexible financial vehicle locking technology based on vehicle risk status classification, it solves the technical problem that traditional financial vehicle locking solutions cannot perform fine-grained control based on risk level in new energy vehicles. It achieves the beneficial effect of gradually restricting vehicle usage functions according to different risk levels, which not only protects the risk control needs of financial institutions, but also minimizes interference with users' normal vehicle use rights, while ensuring vehicle driving safety.

[0090] It should be noted that the above examples are only for understanding this application and do not constitute a limitation on the financial vehicle locking method based on security verification in this application. Any simple modifications based on this technical concept are within the protection scope of this application.

[0091] This application also provides a financial vehicle locking device based on security verification; please refer to [reference needed]. Figure 3 The security-verified vehicle locking device includes: The risk determination module 10 is used to acquire the vehicle's financial business status information and determine the vehicle's risk status based on the financial business status information. The strategy generation module 20 is used to generate a vehicle use restriction strategy based on the vehicle risk status, and to determine a target control command based on the vehicle use restriction strategy. The security verification module 30 is used to perform security verification according to the target control command and obtain the security verification result; The financial vehicle locking module 40 is used to restrict vehicle use according to the target control command and the vehicle risk status when the security verification result is that the security verification is passed, so as to complete the financial vehicle locking based on security verification.

[0092] The security-verification-based vehicle locking device provided in this application, employing the security-verification-based vehicle locking method described in the above embodiments, can solve the technical problem of difficulty in achieving secure management of the use of new energy vehicles with financial risks without affecting driving safety and basic user experience. Compared with the prior art, the beneficial effects of the security-verification-based vehicle locking device provided in this application are the same as those of the security-verification-based vehicle locking method provided in the above embodiments, and other technical features in the security-verification-based vehicle locking device are the same as those disclosed in the methods of the above embodiments, and will not be repeated here.

[0093] In one embodiment, the security verification module 30 is further configured to acquire vehicle bus data and vehicle operation data; determine target performance parameters in the vehicle bus data according to target control instructions; determine target performance thresholds according to the target performance parameters; and perform security verification based on the vehicle operation data, the target performance parameters, and the target performance thresholds to obtain a security verification result.

[0094] In one embodiment, the safety verification module 30 is further configured to acquire a preset vehicle speed threshold and determine the current vehicle speed and vehicle power status based on the vehicle operation data; when the current vehicle speed is less than or equal to the preset vehicle speed threshold or the vehicle power status is in a ready state, a performance safety verification is performed based on the target performance parameters and the target performance threshold to obtain a performance verification result; when the performance verification result is a performance verification pass, the safety verification result is determined to be a safety verification pass.

[0095] In one embodiment, the strategy generation module 20 is further configured to determine a target risk level based on the vehicle risk status; match target restriction rules based on the target risk level; and generate a vehicle use restriction strategy based on the target restriction rules.

[0096] In one embodiment, the financial vehicle locking module 40 is further configured to determine a target restriction level based on the vehicle risk status when the security verification result is a security verification pass; and send the target control command to the vehicle terminal according to the target restriction level, so that the vehicle terminal restricts vehicle use according to the target control command, thereby completing the financial vehicle locking based on security verification.

[0097] In one embodiment, the financial vehicle locking module 40 is further configured to: determine a reduced comfort command based on the target control command when the target restriction level is a first restriction level; determine a low-speed operation command based on the target control command when the target restriction level is a second restriction level; and determine a deactivation command based on the target control command when the target restriction level is a third restriction level. The module then sends one of the reduced comfort command, the low-speed operation command, and the deactivation command to the vehicle terminal, so that the vehicle terminal restricts vehicle use based on one of the reduced comfort command, the low-speed operation command, and the deactivation command, thereby completing the financial vehicle locking based on security verification.

[0098] In one embodiment, the financial vehicle locking module 40 is further configured to acquire financial business status update information of the vehicle; determine whether the vehicle meets the conditions for lifting restrictions based on the financial business status update information; generate a recovery control command when the vehicle meets the conditions for lifting restrictions; and restore the vehicle usage restrictions imposed by the target control command based on the recovery control command.

[0099] This application provides a security-verified financial vehicle locking device, which includes: at least one processor; and a memory communicatively connected to the at least one processor; wherein the memory stores instructions executable by the at least one processor, which are executed by the at least one processor to enable the at least one processor to perform the security-verified financial vehicle locking method in Embodiment 1 described above.

[0100] The following is for reference. Figure 4 This document illustrates a structural diagram of a security-verification-based financial vehicle locking device suitable for implementing embodiments of this application. The security-verification-based financial vehicle locking device in this application embodiment may include, but is not limited to, mobile terminals such as mobile phones, laptops, digital radio receivers, PDAs (Personal Digital Assistants), PADs (Portable Application Description), PMPs (Portable Media Players), and in-vehicle terminals (e.g., in-vehicle navigation terminals), as well as fixed terminals such as digital TVs and desktop computers. Figure 4 The security-verification-based car locking device shown is merely an example and should not impose any limitations on the functionality and scope of use of the embodiments of this application.

[0101] like Figure 4As shown, the security-verification-based financial vehicle locking device may include a processing unit 1001 (e.g., a central processing unit, a graphics processing unit, etc.), which can perform various appropriate actions and processes according to a program stored in ROM (Read Only Memory) 1002 or a program loaded from storage device 1003 into RAM (Random Access Memory) 1004. RAM 1004 also stores various programs and data required for the operation of the security-verification-based financial vehicle locking device. The processing unit 1001, ROM 1002, and RAM 1004 are interconnected via bus 1005. Input / output (I / O) interface 1006 is also connected to the bus. Typically, the following systems can be connected to I / O interface 1006: input devices 1007 including, for example, touchscreens, touchpads, keyboards, mice, image sensors, microphones, accelerometers, gyroscopes, etc.; output devices 1008 including, for example, liquid crystal displays (LCDs), speakers, vibrators, etc.; storage devices 1003 including, for example, magnetic tapes, hard disks, etc.; and communication devices 1009. Communication device 1009 allows the security-verified financial vehicle locking device to communicate wirelessly or wiredly with other devices to exchange data. Although the figure shows a security-verified financial vehicle locking device with various systems, it should be understood that it is not required to implement or possess all the systems shown. More or fewer systems can be implemented alternatively.

[0102] Specifically, according to the embodiments disclosed in this application, the processes described above with reference to the flowcharts can be implemented as computer software programs. For example, embodiments disclosed in this application include a computer program product comprising a computer program carried on a computer-readable medium, the computer program containing program code for performing the methods shown in the flowcharts. In such embodiments, the computer program can be downloaded and installed from a network via a communication device, or installed from storage device 1003, or installed from ROM 1002. When the computer program is executed by processing device 1001, it performs the functions defined in the methods of the embodiments disclosed in this application.

[0103] The security-verification-based vehicle locking device provided in this application, employing the security-verification-based vehicle locking method described in the above embodiments, can solve the technical problem of difficulty in achieving secure management of the use of new energy vehicles with financial risks without affecting driving safety and basic user experience. Compared with the prior art, the beneficial effects of the security-verification-based vehicle locking device provided in this application are the same as those of the security-verification-based vehicle locking method provided in the above embodiments, and other technical features in this security-verification-based vehicle locking device are the same as those disclosed in the previous embodiment method, and will not be repeated here.

[0104] It should be understood that the various parts disclosed in this application can be implemented using hardware, software, firmware, or a combination thereof. In the description of the above embodiments, specific features, structures, materials, or characteristics can be combined in any suitable manner in one or more embodiments or examples.

[0105] The above description is merely a specific embodiment of this application, but the scope of protection of this application is not limited thereto. Any variations or substitutions that can be easily conceived by those skilled in the art within the scope of the technology disclosed in this application should be included within the scope of protection of this application. Therefore, the scope of protection of this application should be determined by the scope of the claims.

[0106] This application provides a computer-readable storage medium having computer-readable program instructions (i.e., a computer program) stored thereon, the computer-readable program instructions being used to execute the financial car locking method based on security verification in the above embodiments.

[0107] The computer-readable storage medium provided in this application may be, for example, a USB flash drive, but is not limited to, electrical, magnetic, optical, electromagnetic, infrared, or semiconductor systems, devices, or any combination thereof. More specific examples of computer-readable storage media may include, but are not limited to: electrical connections having one or more wires, portable computer disks, hard disks, RAM (Random Access Memory), ROM (Read Only Memory), Erasable Programmable Read Only Memory (EPROM), optical fiber, CD-ROM (CD-Read Only Memory), optical storage devices, magnetic storage devices, or any suitable combination thereof. In this embodiment, the computer-readable storage medium may be any tangible medium containing or storing a program that can be used by or in conjunction with an instruction execution system, system, or device. The program code contained on the computer-readable storage medium may be transmitted using any suitable medium, including but not limited to: wires, optical cables, RF (Radio Frequency), etc., or any suitable combination thereof.

[0108] The aforementioned computer-readable storage medium may be included in a security-verified financial vehicle locking device; or it may exist independently and not be assembled into a security-verified financial vehicle locking device.

[0109] The aforementioned computer-readable storage medium carries one or more programs. When these programs are executed by a security-verification-based financial vehicle locking device, the security-verification-based financial vehicle locking device: acquires the vehicle's financial business status information and determines the vehicle's risk status based on the financial business status information; generates a vehicle usage restriction policy based on the vehicle risk status and determines a target control instruction based on the vehicle usage restriction policy; performs a security verification based on the target control instruction to obtain a security verification result; and, when the security verification result indicates that the security verification has passed, restricts vehicle use based on the target control instruction and the vehicle risk status to complete the security-verification-based financial vehicle locking.

[0110] Computer program code for performing the operations of this application can be written in one or more programming languages ​​or a combination thereof, including object-oriented programming languages ​​such as Java, Smalltalk, and C++, as well as conventional procedural programming languages ​​such as the "C" language or similar programming languages. The program code can be executed entirely on the user's computer, partially on the user's computer, as a standalone software package, partially on the user's computer and partially on a remote computer, or entirely on a remote computer or server. In cases involving remote computers, the remote computer can be connected to the user's computer via any type of network—including LAN (Local Area Network) or WAN (Wide Area Network)—or can be connected to an external computer (e.g., via the Internet using an Internet service provider).

[0111] The flowcharts and block diagrams in the accompanying drawings illustrate the architecture, functionality, and operation of possible implementations of systems, methods, and computer program products according to various embodiments of this application. In this regard, each block in a flowchart or block diagram may represent a module, segment, or portion of code containing one or more executable instructions for implementing a specified logical function. It should also be noted that in some alternative implementations, the functions indicated in the blocks may occur in a different order than those indicated in the drawings. For example, two consecutively indicated blocks may actually be executed substantially in parallel, and they may sometimes be executed in reverse order, depending on the functions involved. It should also be noted that each block in the block diagrams and / or flowcharts, and combinations of blocks in the block diagrams and / or flowcharts, can be implemented using a dedicated hardware-based system that performs the specified function or operation, or using a combination of dedicated hardware and computer instructions.

[0112] The modules described in the embodiments of this application can be implemented in software or hardware. The names of the modules do not necessarily limit the functionality of the unit itself.

[0113] The readable storage medium provided in this application is a computer-readable storage medium that stores computer-readable program instructions (i.e., a computer program) for executing the aforementioned security-verification-based financial vehicle locking method. This solves the technical problem of difficulty in achieving secure management of the use of new energy vehicles with financial risks without affecting driving safety and basic user experience. Compared with the prior art, the beneficial effects of the computer-readable storage medium provided in this application are the same as those of the security-verification-based financial vehicle locking method provided in the above embodiments, and will not be repeated here.

[0114] This application also provides a computer program product, including a computer program that, when executed by a processor, implements the steps of the above-described financial vehicle locking method based on security verification.

[0115] The computer program product provided in this application can solve the technical problem of difficulty in achieving secure management of the use of new energy vehicles with financial risks without affecting driving safety and basic user experience. Compared with the prior art, the beneficial effects of the computer program product provided in this application are the same as those of the financial vehicle locking method based on security verification provided in the above embodiments, and will not be repeated here.

[0116] The above description is only a part of the embodiments of this application and does not limit the patent scope of this application. All equivalent structural transformations made under the technical concept of this application and using the contents of the specification and drawings of this application, or direct / indirect applications in other related technical fields, are included in the patent protection scope of this application.

Claims

1. A financial vehicle locking method based on security verification, characterized in that, The method includes: Obtain the vehicle's financial business status information and determine the vehicle's risk status based on the financial business status information; A vehicle use restriction policy is generated based on the vehicle risk status, and a target control command is determined based on the vehicle use restriction policy. A security verification is performed based on the target control command to obtain the security verification result. When the security verification result is that the security verification is passed, the vehicle use is restricted according to the target control command and the vehicle risk status to complete the financial vehicle locking based on the security verification.

2. The method as described in claim 1, characterized in that, The step of performing security verification based on the target control command and obtaining the security verification result includes: Acquire vehicle bus data and vehicle operation data; The target performance parameters are determined from the vehicle bus data based on the target control instructions. Determine the target performance threshold based on the target performance parameters; A safety verification is performed based on the vehicle operation data, the target performance parameters, and the target performance threshold to obtain the safety verification result.

3. The method as described in claim 2, characterized in that, The step of performing a safety verification based on the vehicle operating data, the target performance parameters, and the target performance threshold to obtain a safety verification result includes: Obtain a preset vehicle speed threshold, and determine the current vehicle speed and vehicle power status based on the vehicle operation data; When the current vehicle speed is less than or equal to the preset vehicle speed threshold or the vehicle power state is in a ready state, a performance safety check is performed based on the target performance parameters and the target performance threshold to obtain the performance check result. When the performance verification result is "performance verification passed", the security verification result is determined to be "security verification passed".

4. The method as described in claim 1, characterized in that, The steps for generating a vehicle usage restriction policy based on the vehicle risk status include: The target risk level is determined based on the vehicle's risk status. Match target restriction rules to the target risk level, and generate vehicle use restriction policies based on the target restriction rules.

5. The method as described in claim 1, characterized in that, The step of restricting vehicle use based on the target control command and the vehicle risk status when the security verification result is a successful security verification, in order to complete the security-based vehicle locking mechanism, includes: When the safety verification result is that the safety verification is passed, the target restriction level is determined based on the vehicle risk status; The target control command is sent to the vehicle terminal according to the target restriction level, so that the vehicle terminal restricts vehicle use according to the target control command to complete the financial vehicle locking based on security verification.

6. The method as described in claim 5, characterized in that, The step of sending the target control command to the vehicle terminal according to the target restriction level, so that the vehicle terminal restricts vehicle use according to the target control command, to complete the financial vehicle locking based on security verification, includes: When the target restriction level is the first restriction level, a comfort reduction instruction is determined according to the target control instruction; When the target restriction level is the second restriction level, a low-speed operation instruction is determined according to the target control instruction; When the target restriction level is the third restriction level, a deactivation instruction is determined according to the target control instruction; The vehicle sends one of the comfort reduction command, the low-speed operation command, and the deactivation command to the vehicle terminal, so that the vehicle terminal restricts vehicle use according to one of the comfort reduction command, the low-speed operation command, and the deactivation command, thereby completing the financial vehicle locking based on security verification.

7. The method as described in claim 1, characterized in that, After the step of restricting vehicle use according to the target control command and the vehicle risk status when the security verification result is a successful security verification, to complete the step of financial vehicle locking based on security verification, the method further includes: Obtain updates on the vehicle's financial service status; Determine whether the vehicle meets the conditions for lifting the restriction based on the financial business status update information; When the vehicle meets the conditions for lifting the restriction, a recovery control command is generated; The vehicle usage restrictions imposed by the target control command are restored according to the restored control command.

8. A financial vehicle locking device based on security verification, characterized in that, The device includes: The risk determination module is used to acquire the vehicle's financial business status information and determine the vehicle's risk status based on the financial business status information. The strategy generation module is used to generate a vehicle use restriction strategy based on the vehicle risk status, and to determine a target control command based on the vehicle use restriction strategy. The security verification module is used to perform security verification according to the target control command and obtain the security verification result; The financial vehicle locking module is used to restrict vehicle use according to the target control command and the vehicle risk status when the security verification result is that the security verification is passed, so as to complete the financial vehicle locking based on security verification.

9. A financial vehicle locking device based on security verification, characterized in that, The device includes: a memory, a processor, and a computer program stored in the memory and executable on the processor, the computer program being configured to implement the steps of the financial vehicle locking method based on security verification as described in any one of claims 1 to 7.

10. A storage medium, characterized in that, The storage medium is a computer-readable storage medium, and a computer program is stored on the storage medium. When the computer program is executed by a processor, it implements the steps of the financial vehicle locking method based on security verification as described in any one of claims 1 to 7.

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