CN108171430A - Data processing method, mobile unit and UBI analysis centers server - Google Patents

Data processing method, mobile unit and UBI analysis centers server Download PDF

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Publication number
CN108171430A
CN108171430A CN201711481076.0A CN201711481076A CN108171430A CN 108171430 A CN108171430 A CN 108171430A CN 201711481076 A CN201711481076 A CN 201711481076A CN 108171430 A CN108171430 A CN 108171430A
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driving behavior
data
ubi
behavior data
block chain
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CN108171430B (en
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刘均
刘新
兰飞
周军
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Shenzhen City Car Wheel Linked Data Technology Co Ltd
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Shenzhen City Car Wheel Linked Data Technology Co Ltd
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    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
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    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/08—Insurance
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07C—TIME OR ATTENDANCE REGISTERS; REGISTERING OR INDICATING THE WORKING OF MACHINES; GENERATING RANDOM NUMBERS; VOTING OR LOTTERY APPARATUS; ARRANGEMENTS, SYSTEMS OR APPARATUS FOR CHECKING NOT PROVIDED FOR ELSEWHERE
    • G07C5/00—Registering or indicating the working of vehicles
    • G07C5/08—Registering or indicating performance data other than driving, working, idle, or waiting time, with or without registering driving, working, idle or waiting time
    • G07C5/0841—Registering performance data
    • G07C5/085—Registering performance data using electronic data carriers

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Abstract

The embodiment of the present application discloses a kind of data processing method, mobile unit and UBI analysis centers server, for improving the integrality and privacy of the driving behavior data of storage, UBI analysis centers server obtains driving behavior data according to intelligent contract and formulates corresponding insurance amount for target vehicle.The embodiment of the present application method includes：Obtain the running data of target vehicle；The running data is handled according to preset rules, obtains the driving behavior data of the target vehicle；Intelligent contract is generated according to the open condition of the driving behavior data；The driving behavior data and the intelligent contract are submitted to the node device of block chain, so that the driving behavior data and the intelligent contract are registered in block chain by the node device, the driving behavior data are obtained according to the intelligent contract convenient for driving behavior insurance UBI analysis center's servers and formulate the insurance amount of the target vehicle.

Description

Data processing method, mobile unit and UBI analysis centers server
Technical field
The invention relates to block chain technical field more particularly to data processing method, mobile unit and UBI to divide Analyse central server.
Background technology
Horizontal raising with people's lives with the development of economy, motor vehicles rapid proliferation, the quantity of motor vehicles It is continuously increased.Therefore, automobile insurance business is also rapidly developed therewith.
At present, it is suitable for personal motor vehicles based on the insurance (usage used in order to which different drivers is given to provide Based insurance, UBI), UBI obtains the running data of car owner using car networking technology, by by the running data of car owner Upload to central server, by central server store data to the data such as the driving habit of car owner and driving behavior into Row analysis judges the security level of driver, and the car insurance of differentiation rate is pushed according to the security level of driver.
But at present since UBI is to upload to central server again by the running data of car networking technology acquisition car owner, The running data of car owner is stored by central server, data user when to running data and without the agreement of car owner, Therefore the right of privacy of car owner is affected, the privacy for leading to running data is relatively low.Due in central server, when car owner has found When part running data in the server is more severe, this part running data in server can be extracted and deleted by car owner. Therefore, resulting in the integrality of the data of the target vehicle stored on server reduces, in follow-up UBI analysis centers according to the clothes When the running data of target vehicle stored on business device is analyzed, complete running data will be lacked, therefore in UBI analyses The heart cannot accurately judge the true driving habit of the car owner, lead to the accuracy of analysis of the UBI analysis centers to running data It reduces, can not correctly judge the driving habit of driver.
Invention content
The embodiment of the present application provides a kind of data processing method, mobile unit and UBI analysis centers server, is used for The integrality and privacy of driving behavior data are improved, UBI analysis centers server obtains driving behavior according to intelligent contract The insurance amount of data and the vehicle that sets objectives.
In a first aspect, the embodiment of the present application provides a kind of data processing method, applied to mobile unit, including：
Obtain the running data of target vehicle；
The running data is handled according to preset rules, obtains the driving behavior data of the target vehicle；
Intelligent contract is generated according to the open condition of the driving behavior data；
The driving behavior data and the intelligent contract are submitted to the node device of block chain, so that the node device The driving behavior data and the intelligent contract are registered in block chain, convenient for driving behavior insurance UBI analysis centers clothes Business device obtains the driving behavior data according to the intelligent contract and formulates the insurance amount of the target vehicle.
It is described that the running data is handled according to preset rules in a kind of possible realization method, it obtains described The driving behavior data of target vehicle, specifically include：
The running data is encrypted by Encryption Algorithm, obtains encrypted running data；
It is signed by preset digital certificate to the encrypted running data, obtains driving for the target vehicle Sail behavioral data, the digital certificate is issued when being registered for the mobile unit to block chain by block chain digital authenticating center, And it is stored in the mobile unit.
In alternatively possible realization method, the intelligence contract includes the opening permission of the driving behavior data and opens Content is put, the intelligence contract is used for the user authorization request message submitted in UBI analysis centers server and the intelligence Instruction allows UBI analysis centers server to obtain the driving row from the node device of the block chain during energy contract matching Open content for data.
In alternatively possible realization method, the driving behavior data and the intelligent contract are submitted to block described After the node device of chain, the method further includes：
The user authorization request message of UBI analysis centers server is received, the user authorization request message is used for Indicate the running data of target vehicle described in the UBI analysis centers server acquisition request；
User's authorization messages are sent to UBI analysis centers server, it is institute that user's authorization messages, which carry user, State the decruption key of the driving behavior data of UBI analysis centers server-assignment.
In alternatively possible realization method, the running data that the mobile unit obtains target vehicle includes：
The mobile unit by the controller local area network of the target vehicle (controller area network, CAN) sensor of bus and the mobile unit obtains the running data of the target vehicle；
Alternatively,
The mobile unit obtains the running data of the target vehicle by the CAN bus of the target vehicle.
Second aspect, the embodiment of the present application provide a kind of data processing method, applied to UBI analysis centers server, Including：
The driving behavior data of target vehicle are obtained from the node device of block chain according to intelligent contract；
The security level of the user is determined according to the driving behavior data；
Corresponding insurance amount, the security level and the guarantor are formulated for the target vehicle according to the security level Dangerous amount has correspondence.
In a kind of possible realization method, the intelligence contract includes opening permission and the opening of the driving behavior data Content；The driving behavior data for obtaining target vehicle from the node device of block chain according to intelligent contract specifically include：
User authorization request message is submitted to the node device of the block chain；
When the user authorization request message is matched with the intelligent contract, obtained from the node device of the block chain The open content of the driving behavior data.
It is described in the safety level that the user is determined according to the driving behavior data in alternatively possible realization method Before not, the method further includes：
User's authorization messages that mobile unit is sent are received, user's authorization messages carry user and analyzed for the UBI The decruption key of the driving behavior data of central server distribution；
The driving behavior data are decrypted using the decruption key, the driving behavior data after being decrypted.
The third aspect, the embodiment of the present application provide a kind of mobile unit, including：
Acquiring unit, for obtaining the running data of target vehicle；
Processing unit for being handled according to preset rules the running data, obtains driving for the target vehicle Sail behavioral data；
Generation unit, for generating intelligent contract according to the open condition of the driving behavior data；
Unit is submitted, for submitting the driving behavior data and the intelligent contract to the node device of block chain, with Make the node device that the driving behavior data and the intelligent contract are registered in block chain, insure convenient for driving behavior UBI analysis centers server obtains the driving behavior data according to the intelligent contract and formulates the insurance of the target vehicle Amount.
In a kind of possible realization method, the processing unit is specifically used for：
The running data is encrypted by Encryption Algorithm, obtains encrypted running data；
It is signed by preset digital certificate to the encrypted running data, obtains driving for the target vehicle Sail behavioral data, the digital certificate is issued when being registered for the mobile unit to block chain by block chain digital authenticating center, And it is stored in the mobile unit.
In alternatively possible realization method, the intelligence contract includes the opening permission of the driving behavior data and opens Content is put, the intelligence contract is used for the user authorization request message submitted in UBI analysis centers server and the intelligence Instruction allows UBI analysis centers server to obtain the driving row from the node device of the block chain during energy contract matching Open content for data.
In alternatively possible realization method, the mobile unit further includes：
Receiving unit, for receiving the user authorization request message of UBI analysis centers server, the user authorizes Request message is used to indicate the running data of target vehicle described in the UBI analysis centers server acquisition request；
Transmitting element, for sending user's authorization messages to UBI analysis centers server, user's authorization messages Carry decruption key of the user for the driving behavior data of UBI analysis centers server-assignment.
In alternatively possible realization method, the acquiring unit is specifically used for：
The row of the target vehicle is obtained by the CAN bus of the target vehicle and the sensor of the mobile unit Sail data；
Alternatively,
The running data of the target vehicle is obtained by the CAN bus of the target vehicle.
Fourth aspect, the embodiment of the present application provide a kind of UBI analysis centers server, including：
Acquiring unit, for obtaining the driving behavior number of target vehicle from the node device of block chain according to intelligent contract According to；
Determination unit, for determining the security level of the user according to the driving behavior data；
Unit is formulated, for formulating corresponding insurance amount, the peace for the target vehicle according to the security level Full rank has correspondence with the insurance amount.
In a kind of possible realization method, the intelligence contract includes opening permission and the opening of the driving behavior data Content；The acquiring unit is specifically used for：
User authorization request message is submitted to the node device of the block chain；
When the user authorization request message is matched with the intelligent contract, obtained from the node device of the block chain The open content of the driving behavior data.
In alternatively possible realization method, UBI analysis centers server further includes：
Receiving unit, for receiving user's authorization messages of mobile unit transmission, user's authorization messages carry user The decruption key of the driving behavior data for UBI analysis centers server-assignment；
Decryption unit, for the driving behavior data to be decrypted using the decruption key, after being decrypted Driving behavior data.
5th aspect, the embodiment of the present application provide a kind of mobile unit, including：
Processor, memory, input-output equipment and bus；
The processor, memory, input-output equipment are connected respectively with the bus, and meter is stored in the memory Calculation machine instructs；
The processor in the computer instruction in performing the memory, be used to implement as first aspect any one Realization method.
6th aspect, the embodiment of the present application provide a kind of UBI analysis centers server, including：
Processor, memory, input-output equipment and bus；
The processor, memory, input-output equipment are connected respectively with the bus, and meter is stored in the memory Calculation machine instructs；
The processor in the computer instruction in performing the memory, be used to implement as second aspect any one Realization method.
7th aspect, the embodiment of the present application provide a kind of computer program product for including instruction, which is characterized in that when it When running on computers so that the computer performs the realization side as described in any in first aspect or second aspect Formula.
Eighth aspect, the embodiment of the present application provide a kind of computer readable storage medium, which is characterized in that including instructing, When described instruction is run on computers so that computer performs the reality as described in any one of first aspect or second aspect Existing mode.
As can be seen from the above technical solutions, the embodiment of the present application has the following advantages：
As can be seen from the above technical solutions, mobile unit obtains the running data of target vehicle, mobile unit is according to default Rule handles the running data, obtains the driving behavior data of the target vehicle, and then mobile unit is gone according to driving Open condition for data generates intelligent contract, and then the driving behavior data and intelligent contract are committed to by the mobile unit In the node device of block chain, the driving behavior data and intelligent contract can be registered in by the node device of such block chain In block chain, the driving behavior number is obtained according to the intelligent contract convenient for driving behavior insurance UBI analysis center's servers According to and formulate the insurance amount of the target vehicle, therefore the running data of target vehicle is stored by block chain, improve and deposit The integrality of data is stored up, by the intelligent contract of open condition generation of driving behavior data, data user only meets in basis Corresponding driving behavior data can be got during the condition of the intelligence contract, therefore improve the driving behavior data of car owner Privacy.When follow-up UBI analysis centers server is analyzed according to the running data on block chain, since data have been Whole, therefore UBI analysis centers server can accurately analyze target vehicle running data, can more accurately sentence Determine the driving habit of driver, and corresponding insurance amount is formulated for the target vehicle.
Description of the drawings
Fig. 1 is the system framework figure of data processing method in the embodiment of the present application；
Fig. 2 is one embodiment schematic diagram of data processing method in the embodiment of the present application；
Fig. 3 is another embodiment schematic diagram of data processing method in the embodiment of the present application；
Fig. 4 is another embodiment schematic diagram of data processing method in the embodiment of the present application；
Fig. 5 is a structure diagram of mobile unit in the embodiment of the present application；
Fig. 6 is a structure diagram of UBI analysis centers server in the embodiment of the present application；
Fig. 7 is another structure diagram of mobile unit in the embodiment of the present application；
Fig. 8 is another structure diagram of UBI analysis centers server in the embodiment of the present application.
Specific embodiment
The embodiment of the present application provides a kind of data processing method, mobile unit and UBI analysis centers server, is used for The integrality and privacy of driving behavior data are improved, UBI analysis centers server obtains driving behavior according to intelligent contract Data, therefore, it is possible to the more accurately driving habit of judgement driver, and corresponding amount insured is formulated for the target vehicle Degree.
Referring to Fig. 1, during data processing, need user, mobile unit 101, block chain node device 103 with And the participation of UBI analysis centers server 102.Wherein, mobile unit 101 is the equipment on target vehicle, for target carriage Running data acquisition and processing and storage to running data.Block chain is that block is combined in a manner of chain one It rises, block chain database is formed with block.Block chain is the transaction data base of all nodes sharings in system, these node devices Participated in based on exchange of value agreement in the network of block chain come.In the embodiment of the present application, block chain is used for storing vehicle Running data, and the running data stored on block chain can not be tampered, each node server of block chain can be same Complete data are backed up in step update.It can be passed through with installation insurance pushing application program app, user on the mobile unit 101 Mobile unit 101 receives authorization request message, car insurance recommendation message that UBI analysis centers server 102 is sent etc., user Can user's authorization messages be sent to UBI analysis centers server 102 by mobile unit mobile unit 101, can also checked The car insurance and selection that UBI analysis centers server 102 pushes buy the operations such as corresponding car insurance.In UBI analyses Central server 102 is used to obtain the running data of the target vehicle of mobile unit storage from block chain, and handles and analyze the traveling The operations such as data.Wherein, block chain node device can be the node of node server on block chain or block chain Terminal does not limit specifically herein.
It should be noted that the insurance push app of mobile unit installation can be mounted on the mobile unit, it can also Other-end is mounted in, is not limited herein specifically.
In the embodiment of the present application, mobile unit can be that onboard diagnostic system (on board diagnostics, OBD) is set It is standby, or on-vehicle information box (telematics box, T-BOX) equipment etc. does not limit specifically herein.
Below from the angle of mobile unit, data processing method in the embodiment of the present application is introduced, referring to Fig. 2, One embodiment of data processing method includes in the embodiment of the present application：
201st, mobile unit obtains the running data of target vehicle.
When the state change of target vehicle, mobile unit can obtain the running data of target vehicle.Can be specifically Mobile unit is by controller LAN (controller area network, the CAN) bus of target vehicle and this is vehicle-mounted Sensor in equipment obtains the running data of the target vehicle, can also be obtained by other means, specifically herein not It limits.Wherein, running data includes driver's identity information, overspeed of vehicle, suddenly accelerates, anxious deceleration, zig zag, collide, is anxious The state stopped working after brake, terminal device are inserted into, terminal device is extracted, vehicle sparking prepares starting state information, vehicle is ceased fire Information, mileage travelled, running region, single are driven distance and time of having a rest etc., can also include more running datas, this Application does not limit herein.
It should be noted that the running data that mobile unit obtains target vehicle can be according to the configuration of mobile unit come really Determine acquisition modes, when the configuration of target vehicle is higher, vehicle is per se with the sensor for obtaining running data, then the mesh at this time It is in need that mobile unit on mark vehicle according to CAN bus agreement can get institute by the CAN bus of the target vehicle Running data；When the configuration of target vehicle is relatively low, then mobile unit just need the CAN bus by the target vehicle with And the sensor on the mobile unit gets institute's running data in need, does not limit herein specifically, in practical applications, In a manner of determining to obtain data by target vehicle configuration.
In the present embodiment, sensor on mobile unit can include fingerprint Identification sensor, Application on Voiceprint Recognition sensor, complete Ball alignment system (global positioning system, GPS) sensor and acceleration transducer etc., can also include More other kinds of sensors, do not limit specifically herein.
202nd, mobile unit is handled running data according to default rule, obtains the driving row of the target vehicle For data.
After mobile unit gets the running data of target vehicle, running data can be handled, obtain the target The driving behavior data of vehicle, specifically, mobile unit can be encrypted running data by Encryption Algorithm, then pass through Preset digital certificate signs to encrypted running data, obtains the driving behavior data of the target vehicle, the number The certificate that certificate is issued when being registered for the mobile unit to block chain by block chain digital authenticating center, is stored in mobile unit In, public key is carried in the digital certificate, which is corresponding with corresponding private key, and mobile unit signs data by the private key Name.It can also be that mobile unit signs to running data by digital certificate, obtain the driving behavior data of target vehicle, It does not limit herein specifically.
It should be noted that mobile unit is encrypted running data by Encryption Algorithm, encrypted row is obtained Data are sailed, can be encrypted by the algorithm of symmetric cryptography, then in follow-up be decrypted, it is possible to using corresponding Symmetrical decruption key.It can be according to vehicle that running data is uploaded to block chain node device by mobile unit by way of ciphertext It carries after the running data is encrypted in the locally generated random number of equipment and is uploaded to block chain node device again.Mobile unit leads to It crosses encrypted mode and running data is uploaded in block chain and play the role of protecting car owner's privacy, in addition it is also possible to be to pass through The mode for establishing a channel (block chain subchain) with authorization privilege stores the running data, only allows to have and passes through mandate Data user can just check running data, can also play the role of protect car owner's privacy, do not limit herein specifically.
203rd, mobile unit generates intelligent contract according to the open condition of driving behavior data.
After mobile unit handles running data, the driving behavior data of target vehicle are obtained, it with that can root According to the intelligent contract of open condition generation of driving behavior data, wherein, the open condition of driving behavior data can be according to car owner Wish be configured, say by comparable password or identifying code is set, the password is then set as intelligence The condition of contract when inputting corresponding password, then can meet the condition of intelligent contract, then can get at this time pair The driving behavior data answered.In addition the intelligence contract can include open permission and open content, such as can be according to car owner's Which data user is wish open permission and the driving behavior data in which corresponding open etc. a period of time, it is specific this Place does not limit.
204th, mobile unit submits the driving behavior data and the intelligent contract to the node device of block chain.
The driving behavior data and intelligent contract are committed in the node device of block chain by mobile unit, pass through block chain Node device memory of driving behavioral data, wherein can be committed in the node server of block chain, specifically, driving first It sails behavioral data and intelligent contract is uploaded to standby book node server and is backed up, then the accounting nodes server of block chain The driving behavior data and intelligent contract can be verified, block chain is interconnected to form between node server, is kept accounts Node server is by that can carry out the whole network broadcast after verification so that other node servers of block chain update the driving behavior number According to or the accounting nodes server authentication data after, other node servers of block chain automatically update the traveling number According to not limiting specifically herein.Then the node device of block chain will dispose intelligent contract, in the follow-up process, When mobile unit uploads driving behavior data, there is no need to upload the intelligence contract again, because when uploading first time The intelligence contract is deployed in block chain.The driving behavior data of the node server storage of the block chain are analyzed for UBI Central server analyzes the traveling of target vehicle and formulates the insurance amount of the target vehicle.
In the embodiment of the present application, mobile unit obtains the running data of target vehicle, and mobile unit is according to preset rules The running data is handled, obtains the driving behavior data of the target vehicle, then mobile unit is according to driving behavior number According to the intelligent contract of open condition generation, then the mobile unit driving behavior data and intelligent contract are committed to block In the node device of chain, the driving behavior data and intelligent contract can be registered in block by the node device of such block chain In chain, the driving behavior data are obtained simultaneously according to the intelligent contract convenient for driving behavior insurance UBI analysis center's servers The insurance amount of the target vehicle is formulated, therefore the running data of target vehicle is stored by block chain, improves storage number According to integrality, by the intelligent contract of the open conditions of driving behavior data generation, data user is only according to meeting the intelligence Corresponding driving behavior data can be got, therefore improve the private of the driving behavior data of car owner during the condition of energy contract Close property.When follow-up UBI analysis centers server is analyzed according to the running data on block chain, since data are complete , therefore UBI analysis centers server can accurately analyze target vehicle running data, can more accurately judge The driving habit of driver, and formulate corresponding insurance amount for the target vehicle.
Data processing method in the embodiment of the present application is described from the angle of mobile unit above, below from UBI Data processing method in the embodiment of the present application is described in the angle of analysis center's server, referring to Fig. 3, the application is implemented Another embodiment of data processing method includes in example：
301st, UBI analysis centers server obtains the driving of target vehicle according to intelligent contract from the node device of block chain Behavioral data.
After driving behavior data are committed to block chain by mobile unit, UBI analysis centers server can be according to intelligence Contract obtains the driving behavior data of corresponding target vehicle from the node device on block chain, wherein it is possible to be in UBI analyses Central server inputs corresponding password either password or identifying code of the identifying code when input and preset condition in intelligent contract During matching, then UBI analysis centers server can get corresponding driving behavior data at this time.
It should be noted that UBI analysis centers server can be the equipment or third for having block chain technology The UBI analysis centers server of side, does not limit specifically herein.
302nd, UBI analysis centers server determines the security level of user according to driving behavior data.
UBI analysis centers server gets the driving behavior of the target vehicle from block chain, can be according to the driving behavior Data, the surrounding enviroment of driving behavior and user driving for analyzing the user determine the security level of user, determine the use The security level at family.Specifically, for example UBI analysis centers server gets the target vehicle in a period of time from block chain Running data counts target vehicle zig zag number during this period of time and number of bringing to a halt, specifically, mobile unit It is vehicle-mounted according to the turning number of degrees of direction sensor induction targets vehicle and the speed according to velocity sensor induction targets vehicle Equipment come the acceleration of induction targets vehicle, when the absolute value of acceleration rapidly increases, determines mesh according to acceleration transducer Mark vehicle is emergency brake car state.UBI analysis centers server statistics target vehicle zig zag number interior for a period of time and Bring to a halt after number, you can determine the zig zag frequency of the target vehicle and frequency of bringing to a halt, according to the zig zag frequency with And frequency of bringing to a halt, determine a security level to user, frequency of taking a sudden turn or frequency of bringing to a halt are higher, and security level is got over It is low.In addition, mobile unit positions the position location of target vehicle by GPS sensor, UBI Analysis servers can obtain this By the statistics to travelling place, it is interior for a period of time to analyze the target vehicle for target vehicle traveling place interior for a period of time Running environment, for example, the place that the target vehicle appears in mountain area is more frequent, then according to this more hard and dangerous road conditions in mountainous region It can then determine that the security level of the user is relatively low.
303rd, UBI analysis centers server formulates corresponding amount insured according to the security level of the user for the target vehicle Degree.
After UBI analysis centers server is by data analysis, the security level of the user is determined, according to the safety of the user Rank can be that the target vehicle formulates corresponding insurance amount, wherein, security level has correspondence with insurance amount, often A security level corresponds to an insurance amount.Specifically, such as UBI analysis centers server determines the user by data analysis Security level be A grade, then corresponding to security level be A grade there are one insure amount, which is embodied as The price of the car insurance, Claims Resolution amount of contingency etc., do not limit specifically herein.
It should be noted that UBI analysis centers server can be the target vehicle system according to the security level of the user Fixed corresponding insurance amount can be additionally pushed to user with insuring amount after the insurance amount for formulating the target vehicle The differentiation car insurance being consistent is recommended more applicable car insurance to user, is not limited herein specifically.
In the embodiment of the present application, UBI Analysis servers obtain target according to intelligent contract from the node device of block chain The driving behavior data of vehicle, then the UBI Analysis servers safety of the user can be determined according to the driving behavior data Then rank formulates corresponding insurance amount, the security level and the insurance amount according to the security level for the target vehicle With correspondence.Therefore the running data of target vehicle is stored by block chain, the integrality of storage data is improved, will drive The intelligent contract of open condition generation of behavioral data is sailed, UBI Analysis servers are in input according to the condition for meeting the intelligence contract When can get corresponding driving behavior data, therefore improve the privacy of the driving behavior data of car owner.Follow-up When UBI analysis centers server is analyzed according to the running data on block chain, since data are complete, UBI divides Analysis central server can accurately analyze target vehicle running data, can more accurately judge the driving of driver Custom, and formulate corresponding insurance amount for the target vehicle.
In a kind of possible realization method, which includes the opening permission and open content of driving behavior data, The user authorization request message that the intelligence contract is used to submit in the UBI analysis centers server refers to when being matched with the intelligence contract Show that the node device of UBI analysis centers server from the block chain obtains the open content of the driving behavior data.It needs Bright, mobile unit is generating intelligent contract according to the open condition of driving behavior data, which can include opening Limit of delegating power and open content, for example, can be selected to open permission to some users according to the wish of car owner, it in addition can be according to vehicle Main wish opens the driving data in the corresponding period, and in subsequent embodiment, intelligent contract includes driving behavior data Opening permission and open content for illustrate.
In alternatively possible realization method, which submits the driving behavior data and the intelligence contract to block After the node device of chain, this method further includes：Mobile unit receives the user authorization request message of the UBI Analysis servers, The user authorization request message is used to indicate the running data of the UBI analysis centers server acquisition request target vehicle, vehicle It carries equipment and sends user's authorization messages to the UBI analysis centers server, it is the UBI which, which carries mobile unit, The decruption key of the driving behavior data of analysis center's server-assignment.It should be noted that if mobile unit is to running data It is encrypted, when the user authorization request message is matched with intelligent contract, then mobile unit can receive block The user authorization request message that the UBI Analysis servers of the node device forwarding of chain are sent, then mobile unit will be to UBI Analysis center's server sends user's authorization messages, which carries the decruption key of the driving behavior data；If Mobile unit is not encrypted running data, then UBI Analysis servers send user to the node device of block chain After authorization request message, when the user authorization request message is matched with intelligent contract, it is possible to directly receive driving row It for data, does not limit herein specifically, in subsequent embodiment, the UBI Analysis servers is only received with mobile unit User authorization request message, mobile unit send user's authorization messages to the UBI analysis centers server, user's authorization messages Carrying mobile unit illustrates for the decruption key for the driving behavior data of the UBI analysis centers server-assignment.
In alternatively possible realization method, which is included in the opening permission and opening of driving behavior data Hold；The UBI analysis centers server obtains the driving behavior number of target vehicle according to intelligent contract from the node device of block chain According to specifically including：User authorization request message is submitted to the node device of the block chain, in the user authorization request message with being somebody's turn to do During intelligent contract matching, the open content of the driving behavior data is obtained from the node device of the block chain.It should be noted that UBI analysis centers server can be by submitting user authorization request message to obtain driving behavior to the node device of block chain Data can also be obtained, not limited herein specifically by other means.In subsequent embodiment, only analyzed with UBI Central server to the node server of block chain by submitting user authorization request message to be carried out to obtain driving behavior data Explanation.
In alternatively possible realization method, which determines the user according to driving behavior data Security level before, this method further includes：User's authorization messages that mobile unit is sent are received, which carries User's authorization messages carry decruption key of the user for the driving behavior data of the UBI analysis centers server-assignment；Profit The driving behavior data are decrypted with the decruption key, the driving behavior data after being decrypted.It should be noted that if Mobile unit is by uploading to block chain after running data is encrypted, then when UBI analysis centers server is sent User receive authorization request message with intelligence contract match when, then UBI analysis centers server can receive vehicle-mounted set User's authorization messages that preparation is sent, the decryption which carries user's authorization messages driving behavior data are close Key, then UBI Analysis servers can be decrypted driving behavior data by the decruption key, driving after being decrypted Sail behavioral data.If mobile unit is not handled driving travel data encryption, UBI analysis centers server is to the section of block chain When the user authorization request message that point device is sent is matched with intelligent contract, then driving behavior data can be directly obtained, had Body does not limit herein.In subsequent embodiment, the user that mobile unit transmission is only received with UBI analysis centers server awards Message is weighed, which carries user's authorization messages and carry user's being somebody's turn to do for the UBI analysis centers server-assignment The decruption key of driving behavior data；The driving behavior data are decrypted using the decruption key, driving after being decrypted It sails and illustrates for behavioral data.
In the present embodiment, it can be according to vehicle-mounted that mobile unit, which is stored by way of ciphertext in running data to block chain, Equipment locally generated random number stores to block chain after the running data is encrypted or by establishing a tool There is the mode of the channel (block chain subchain) of authorization privilege to store the running data, only allow the data use for having through mandate Running data can be checked just now, do not limited herein specifically.In subsequent embodiment, only with mobile unit according to mobile unit Locally generated random number illustrates for the node server of block chain is uploaded to after the running data is encrypted.
In the embodiment of the present application, UBI analysis centers server can obtain driving row from the node server of block chain For data, driving behavior data can also be obtained from the nodal terminal of block chain, do not limited herein specifically, in subsequent implementation In example, driving behavior data instance is only obtained from the node server of block chain with UBI analysis centers server and is illustrated.This Apply in embodiment, it can be uploaded or led to by way of ciphertext that mobile unit, which uploads driving behavior data, The mode of plaintext is crossed, is not limited herein specifically, in subsequent embodiment, after only running data is encrypted with mobile unit It is illustrated for upload.
In the embodiment of the present application, mobile unit to block chain by submitting intelligent contract, then by the intelligence contract portion Administration is in block chain so that UBI analysis centers server can be obtained by sending request to the node server of block chain Corresponding data are described below by Fig. 4 embodiments.
Referring to Fig. 4, in the fig. 4 embodiment, UBI analysis centers server sends to the node server of block chain and uses Family authorization request message, user's authorization messages carry user as the acquisition running data of UBI analysis centers server-assignment Permission when then block chain node server determines that the user authorization request message is matched with intelligent contract, will send driving Behavioral data gives UBI analysis centers server, another embodiment of data processing method includes in the embodiment of the present application：
401st, mobile unit obtains the running data of target vehicle.
Step 401 is similar with the step 201 in earlier figures 2, and specific details are not described herein again.
402nd, e-business certification authorized organization from mobile unit to block chain (certificate authority, CA) center sends login request message.
CA center of the mobile unit into block chain sends login request message.
There is no fixed execution sequencing in the present embodiment, between step 401 and step 402, step can be first carried out 401, step 402 can also be first carried out or be performed simultaneously step 401 and step 402 according to situation, do not limited herein specifically It is fixed.
403rd, block chain CA centers send the message that succeeds in registration to mobile unit.
Block chain CA centers send the message that succeeds in registration to mobile unit, which carries equity certificate, The equity certificate carries the public key of the mobile unit, is used to indicate the mobile unit as a trusted terminal, and with submitting or Person inquires the permission of the data on the node server of block chain.
404th, mobile unit is encrypted running data according to locally generated random number, obtains encrypted traveling number According to.
Mobile unit is encrypted using the locally generated random number of mobile unit as key pair running data, is added Running data after close.Specifically, the random number can be mobile unit according to the identity number of the user (identity, ID it) generates.Wherein, it is encrypted by the locally generated random number of mobile unit, then the node server of block chain is received It is just decrypted to the encrypted running data with corresponding symmetric key, here mobile unit encryption running data and block chain Node server decryption running data be to realize encryption with decrypting the identical symmetric key of use using symmetric key, in system In preset rule.
405th, mobile unit carries out data label by the running data after the preset corresponding private key pair encryption of digital certificate Name, obtains driving behavior data.
Mobile unit carries out data signature according to the running data after private key pair encryption, which issues with block chain CA centers The public key of the target vehicle carried in the equity certificate of hair has correspondence, for identifying the running data as the target The running data of vehicle.
406th, mobile unit generates intelligent contract according to the open condition of driving behavior data.
Step 406 is similar with the step 203 in earlier figures 2, and specific details are not described herein again.
407th, mobile unit uploads driving behavior data and intelligent contract to the accounting nodes server of block chain.
After mobile unit is by being encrypted running data, then pass through the running data progress data after private key pair encryption After signature, mobile unit stores the running data into the accounting nodes server of block chain.
408th, block chain accounting nodes server verifies driving behavior data and intelligent contract.
Data signature is carried out after mobile unit encrypts running data by key and by private key, is then uploaded to block The node server of chain.First, running data is uploaded to standby book node server and is backed up, and then passes through ordering joint service Device carries out data the operation such as to be packaged, and then the running data is verified by block chain accounting nodes server, block Chain accounting nodes server passes through the data signature on the public key and running data of the target vehicle that are carried in equity certificate It is verified, determine the running data that the running data is the target vehicle, then each node server of block chain passes through Common recognition algorithm reach common understanding, after determining the running data, accounting nodes server can carry out the whole network broadcast, then block chain it is every A node server can update the running data.
It should be noted that block chain accounting nodes server can be by sending request equity certificate to mobile unit Message can not also specifically be limited herein by obtaining the equity certificate of the mobile unit to block chain CA center requests.
409th, block chain accounting nodes server sends storage success message to mobile unit.
After block chain accounting nodes server is verified running data and stored successfully, it can be deposited to mobile unit transmission Store up success message, the storage success message be used to indicate in each node server of the running data on block chain storage into Work(.
410th, UBI analysis centers server sends user authorization request message to mobile unit.
When UBI analysis centers server is needed using the running data, user's mandate can be sent to mobile unit please Message is sought, which is used to indicate the traveling number of the UBI analysis centers server acquisition request target vehicle According to.Therefore, it when UBI analysis centers server is needed using the running data, needs to disappear to car owner's transmission request user authorization Breath, only car owner license to UBI analysis centers server, and UBI analysis centers server can just use the running data, so The privacies of data to block chain, is improved by that will travel to store after encryption, ensure that the privacy right of car owner.
411st, the accounting nodes server of block chain determines the conditional information carried in the user authorization request message and intelligence It can contract matching.
The user authorization request message that block chain accounting nodes server is sent according to UBI analysis centers server determines Whether the conditional information that the user authorization request message carries matches with the opening permission in intelligent contract and open content, In, which can be the authority information of UBI analysis centers server, however, it is determined that matching, then block chain accounting nodes The driving behavior data of open content corresponding with intelligent contract will be sent to UBI Analysis servers by server.Specifically Ground, block chain accounting nodes server determine that UBI analysis centers take according to the goal condition information carried in user's authorization messages Business utensil has the permission for obtaining the driving behavior data, then the intelligent contract disposed in block chain will be triggered.If it is determined that It mismatches, then block chain accounting nodes server can determine that UBI analysis centers server does not have and obtain driving behavior data Permission, then intelligent contract would not be triggered.
412nd, block chain accounting nodes server sends the driving behavior number of target vehicle to UBI analysis centers server According to.
Block chain accounting nodes server determine UBI analysis centers server have obtain driving behavior data permission it Afterwards, the driving behavior data of the target vehicle will be sent to UBI analysis centers server.
413rd, user authorization request message is forwarded to mobile unit by block chain accounting nodes server.
Block chain accounting nodes server, will should after UBI analysis centers servers sends driving behavior data The user authorization request message that UBI analysis centers server is sent is transmitted to mobile unit.
414th, mobile unit sends user's authorization messages to UBI analysis centers server.
Mobile unit sends user's authorization messages to UBI analysis centers server, which, which carries, drives row Decruption key for data.
415th, UBI analysis centers server is decrypted driving behavior data according to decruption key, after being decrypted Driving behavior data.
UBI analysis centers server is got after the decruption key of driving behavior data, it is possible to driving behavior number According to being decrypted, so as to the driving behavior data after being decrypted.
416th, UBI analysis centers server is according to the security level of the driving behavior data analysis user after decryption.
417th, UBI analysis centers server formulates insurance amount according to the security level of user for target vehicle.
Step 416 is similar to step 303 with the step 302 in earlier figures 3 to step 417, and specific details are not described herein again.
In the embodiment of the present application, mobile unit obtains the running data of target vehicle, and mobile unit is according to preset rules The running data is handled, obtains the driving behavior data of the target vehicle, then mobile unit is according to driving behavior number According to the intelligent contract of open condition generation, then the mobile unit driving behavior data and intelligent contract are committed to block In the node device of chain, the driving behavior data and intelligent contract can be registered in block by the node device of such block chain In chain, the driving behavior data are obtained simultaneously according to the intelligent contract convenient for driving behavior insurance UBI analysis center's servers The insurance amount of the target vehicle is formulated, therefore the running data of target vehicle is stored by block chain, improves storage number According to integrality, by the intelligent contract of the open conditions of driving behavior data generation, data user is only according to meeting the intelligence Corresponding driving behavior data can be got, therefore improve the private of the driving behavior data of car owner during the condition of energy contract Close property.When follow-up UBI analysis centers server is analyzed according to the running data on block chain, since data are complete , therefore UBI analysis centers server can accurately analyze target vehicle running data, can more accurately judge The driving habit of driver, and formulate corresponding insurance amount for the target vehicle.
The data processing method in the embodiment of the present application is described above, below to the vehicle in the embodiment of the present application It carries equipment to be described, referring to Fig. 5, wherein, receiving unit 505 and transmitting element 505 are selectable unit, and the application is implemented One embodiment of mobile unit includes in example：
Acquiring unit 501, for obtaining the running data of target vehicle；
Processing unit 502 for being handled according to preset rules the running data, obtains the driving of the target vehicle Behavioral data；
Generation unit 503, for generating intelligent contract according to the open condition of the driving behavior data；
Unit 504 is submitted, for submitting the driving behavior data and the intelligence contract to the node device of block chain, so that The driving behavior data and the intelligence contract are registered in block chain by the node device, convenient for driving behavior insurance UBI analyses Central server obtains the driving behavior data according to the intelligence contract and formulates the insurance amount of the target vehicle.
In the present embodiment, which is specifically used for the running data is encrypted by Encryption Algorithm, obtains Encrypted running data；It is signed by preset digital certificate to the encrypted running data, obtains the target carriage Driving behavior data, which is issued when being registered for the mobile unit to block chain by block chain digital authenticating center Hair, and be stored in the mobile unit.
In the present embodiment, which includes the opening permission and open content of the driving behavior data, the intelligence Contract, which is used for the instruction when the user authorization request message that UBI analysis centers server is submitted is matched with the intelligence contract, to be permitted Perhaps the node device of UBI analysis centers server from the block chain obtains the open content of the driving behavior data.
In the present embodiment, which further includes：
Receiving unit 505, for receiving the user authorization request message of the UBI analysis centers server, which authorizes Request message is used to indicate the running data of the UBI analysis centers server acquisition request target vehicle；
Transmitting element 506, for sending user's authorization messages to the UBI analysis centers server, user's authorization messages Carry decruption key of the user for the driving behavior data of the UBI analysis centers server-assignment.
In the present embodiment, acquiring unit 501 is specifically used for CAN bus and the mobile unit by the target vehicle Sensor obtain the running data of the target vehicle；Alternatively, the CAN bus by the target vehicle obtains the target vehicle Running data.
In the present embodiment, in the flow and earlier figures 2 and embodiment shown in Fig. 4 in mobile unit performed by each unit Method flow performed by the mobile unit of description is similar, and details are not described herein again.
In the embodiment of the present application, acquiring unit 501 obtains the running data of target vehicle, and processing reaction 502 is according to pre- If rule handles the running data, the driving behavior data of the target vehicle are obtained, then generation unit 503 is vehicle-mounted sets It is standby that intelligent contract is generated according to the open condition of driving behavior data, then submit unit 504 by the driving behavior data and Intelligent contract is committed in the node device of block chain, the node device of such block chain can by the driving behavior data and Intelligent contract is registered in block chain, is obtained convenient for driving behavior insurance UBI analysis center's servers according to the intelligent contract The driving behavior data and the insurance amount for formulating the target vehicle, therefore pass through the traveling of block chain storage target vehicle Data improve the integrality of storage data, and by the intelligent contract of open condition generation of driving behavior data, data user is only Corresponding driving behavior data can be got, therefore improve car owner's when according to the condition for meeting the intelligence contract by having The privacy of driving behavior data.When follow-up UBI analysis centers server is analyzed according to the running data on block chain, Since data are complete, UBI analysis centers server can accurately analyze target vehicle running data, can The more accurately driving habit of judgement driver, and corresponding insurance amount is formulated for the target vehicle.
The data processing method in the embodiment of the present application is described above, below in the embodiment of the present application UBI analysis centers server is described, referring to Fig. 6, wherein, receiving unit 604 and decryption unit 605 is can menus Member, UBI analysis centers server one embodiment includes in the embodiment of the present application：
Acquiring unit 601, for obtaining the driving behavior of target vehicle from the node device of block chain according to intelligent contract Data；
Determination unit 602, for determining the security level of user according to the driving behavior data；
Unit 603 is formulated, for formulating corresponding insurance amount, the safety level for the target vehicle according to the security level Not there is correspondence with the insurance amount.
In the present embodiment, which includes the opening permission and open content of the driving behavior data；The acquisition list Member 601 is specifically used for：
User authorization request message is submitted to the node device of the block chain；
When the user authorization request message is matched with the intelligent contract, obtain this from the node device of the block chain and drive Sail the open content of behavioral data.
In the present embodiment, which further includes：
Receiving unit 604, for receiving user's authorization messages of mobile unit transmission, which carries user The decruption key of the driving behavior data for the UBI analysis centers server-assignment；
Decryption unit 605, for the driving behavior data to be decrypted using the decruption key, driving after being decrypted Sail behavioral data.
In the present embodiment, shown in the flow and earlier figures 3 and Fig. 4 in UBI analysis centers server performed by each unit Embodiment described in UBI analysis centers server performed by method flow it is similar, details are not described herein again.
In the embodiment of the present application, acquiring unit 601 obtains target carriage according to intelligent contract from the node device of block chain Driving behavior data, then determination unit 602 security level of the user can be determined according to the driving behavior data, so Unit 603 is formulated afterwards, and corresponding insurance amount, the security level and the insurance are formulated for the target vehicle according to the security level Amount has correspondence.Therefore the running data of target vehicle is stored by block chain, improves the integrality of storage data, By the intelligent contract of open condition generation of driving behavior data, acquiring unit 601 is in input according to the item for meeting the intelligence contract Corresponding driving behavior data can be got during part, therefore improve the privacy of the driving behavior data of car owner.Rear Continuous determination unit 602 determines the security level of the user according to the running data on block chain, due to data be it is complete, Determination unit 602 can accurately analyze target vehicle running data, can more accurately judge the driving of driver Custom, and pass through and formulate unit 603 as the corresponding insurance amount of target vehicle formulation.
The application also provides a kind of mobile unit 700, referring to Fig. 7,700 1 realities of mobile unit in the embodiment of the present application Example is applied to include：
Processor 701, memory 702, input-output equipment 703 and bus 704；
The processor 701, memory 702, input-output equipment 703 are connected respectively with the bus 704, the storage Computer instruction is stored in device 702；
The input-output equipment 703 is used to obtain the running data of target vehicle；
The processor 701 obtains driving for the target vehicle for being handled according to preset rules the running data Sail behavioral data；Intelligent contract is generated according to the open condition of the driving behavior data；
The input-output equipment 703 is additionally operable to submit the driving behavior data and the intelligence contract to the node of block chain Equipment so that the driving behavior data and the intelligence contract are registered in block chain by the node device, is protected convenient for driving behavior Dangerous UBI analysis centers server obtains the driving behavior data according to the intelligence contract and formulates the amount insured of the target vehicle Degree.
In a kind of possible realization method, the processor 701 is specifically used for：
The running data is encrypted by Encryption Algorithm, obtains encrypted running data；Pass through preset number Certificate signs to the encrypted running data, obtains the driving behavior data of the target vehicle, the digital certificate is is somebody's turn to do Mobile unit is issued, and be stored in the mobile unit when being registered to block chain by block chain digital authenticating center.
In alternatively possible realization method, which includes opening permission and the opening of the driving behavior data Content, the intelligence contract are used for the user authorization request message submitted in UBI analysis centers server and the intelligence contract Instruction allows the node device of UBI analysis centers server from the block chain to obtain the opening of the driving behavior data during matching Content.
In alternatively possible realization method, which is additionally operable to：
The user authorization request message of the UBI analysis centers server is received, which is used to indicate The running data of the UBI analysis centers server acquisition request target vehicle；It sends in user's authorization messages to UBI analyses Central server, user's authorization messages carry solution of the user for the driving behavior data of the UBI analysis centers server-assignment Key.
The application also provides a kind of UBI Analysis servers, referring to Fig. 8, UBI analysis centers service in the embodiment of the present application 800 one embodiment of device includes：
The UBI analysis centers server 800 can generate bigger difference due to configuration or different performance, can include one A or more than one central processing unit (central processing units, CPU) 801 is (for example, at one or more Manage device) and memory 805, one or more application program or data are stored in the memory 805.
Wherein, memory 805 can be volatile storage or persistent storage.Being stored in the program of memory 805 can wrap One or more modules are included, each module can include operating the series of instructions in server.Further, in Central processor 801 could be provided as communicating with memory 805, and the series of instructions in memory 805 are performed on server 800 Operation.
Server 800 can also include one or more power supplys 802, one or more wired or wireless networks Interface 803, one or more input/output interfaces 804 and/or, one or more operating systems, such as Windows ServerTM, Mac OS XTM, UnixTM, LinuxTM, FreeBSDTM etc..
The flow and earlier figures 3 performed by central processing unit 801 in the present embodiment in UBI analysis centers server 800 And the UBI analysis centers player method flow described in embodiment shown in Fig. 4 is similar, details are not described herein again.
It is apparent to those skilled in the art that for convenience and simplicity of description, the system of foregoing description, The specific work process of device and unit can refer to the corresponding process in preceding method embodiment, and details are not described herein.
In several embodiments provided herein, it should be understood that disclosed system, device and method can be with It realizes by another way.For example, the apparatus embodiments described above are merely exemplary, for example, the unit It divides, only a kind of division of logic function can have other dividing mode, such as multiple units or component in actual implementation It may be combined or can be integrated into another system or some features can be ignored or does not perform.Another point, it is shown or The mutual coupling, direct-coupling or communication connection discussed can be the indirect coupling by some interfaces, device or unit It closes or communicates to connect, can be electrical, machinery or other forms.
The unit illustrated as separating component may or may not be physically separate, be shown as unit The component shown may or may not be physical unit, you can be located at a place or can also be distributed to multiple In network element.Some or all of unit therein can be selected according to the actual needs to realize the mesh of this embodiment scheme 's.
In addition, each functional unit in each embodiment of the application can be integrated in a processing unit, it can also That each unit is individually physically present, can also two or more units integrate in a unit.Above-mentioned integrated list The form that hardware had both may be used in member is realized, can also be realized in the form of SFU software functional unit.
If the integrated unit is realized in the form of SFU software functional unit and is independent product sale or uses When, it can be stored in a computer read/write memory medium.Based on such understanding, the technical solution of the application is substantially The part to contribute in other words to the prior art or all or part of the technical solution can be in the form of software products It embodies, which is stored in a storage medium, is used including some instructions so that a computer Equipment (can be personal computer, server or the network equipment etc.) performs the complete of each embodiment the method for the application Portion or part steps.And aforementioned storage medium includes：USB flash disk, mobile hard disk, read-only memory (ROM, Read-Only Memory), random access memory (RAM, Random Access Memory), magnetic disc or CD etc. are various can store journey The medium of sequence code.
The above, above example are only to illustrate the technical solution of the application, rather than its limitations；Although with reference to before Embodiment is stated the application is described in detail, it will be understood by those of ordinary skill in the art that：It still can be to preceding The technical solution recorded in each embodiment is stated to modify or carry out equivalent replacement to which part technical characteristic；And these Modification is replaced, the spirit and scope of each embodiment technical solution of the application that it does not separate the essence of the corresponding technical solution.

Claims (14)

1. a kind of data processing method, which is characterized in that applied to mobile unit, the method includes：
Obtain the running data of target vehicle；
The running data is handled according to preset rules, obtains the driving behavior data of the target vehicle；
Intelligent contract is generated according to the open condition of the driving behavior data；
The driving behavior data and the intelligent contract are submitted to the node device of block chain, so that the node device is by institute It states driving behavior data and the intelligent contract is registered in block chain, convenient for driving behavior insurance UBI analysis centers server The driving behavior data are obtained according to the intelligent contract and formulate the insurance amount of the target vehicle.
2. according to the method described in claim 1, it is characterized in that, it is described according to preset rules to the running data at Reason, obtains the driving behavior data of the target vehicle, specifically includes：
The running data is encrypted by Encryption Algorithm, obtains encrypted running data；
It is signed by preset digital certificate to the encrypted running data, obtains the driving row of the target vehicle For data, the digital certificate is issued, and protect when being registered for the mobile unit to block chain by block chain digital authenticating center There are in the mobile unit.
3. according to the method described in claim 2, it is characterized in that, the intelligence contract includes opening for the driving behavior data Limit of delegating power and open content, the intelligence contract are used to disappear in the user-authorization-request that UBI analysis centers server is submitted Ceasing instruction when being matched with the intelligent contract allows UBI analysis centers server to be obtained from the node device of the block chain The open content of the driving behavior data.
4. according to the method described in claim 3, it is characterized in that, in the submission driving behavior data and the intelligence After contract to the node device of block chain, the method further includes：
The user authorization request message of UBI analysis centers server is received, the user authorization request message is used to indicate The running data of target vehicle described in the UBI analysis centers server acquisition request；
User's authorization messages are sent to UBI analysis centers server, it is institute that user's authorization messages, which carry mobile unit, State the decruption key of the driving behavior data of UBI analysis centers server-assignment.
5. a kind of data processing method, which is characterized in that applied to UBI analysis centers server, the method includes：
The driving behavior data of target vehicle are obtained from the node device of block chain according to intelligent contract；
The security level of user is determined according to the driving behavior data；
Corresponding insurance amount, the security level and the amount insured are formulated for the target vehicle according to the security level Degree has correspondence.
6. according to the method described in claim 5, it is characterized in that, the intelligence contract includes opening for the driving behavior data Limit of delegating power and open content；The driving behavior data for obtaining target vehicle from the node device of block chain according to intelligent contract It specifically includes：
User authorization request message is submitted to the node device of the block chain；
When the user authorization request message is matched with the intelligent contract, described in the node device acquisition from the block chain The open content of driving behavior data.
7. according to the method described in claim 6, it is characterized in that, described determining the use according to the driving behavior data Before the security level at family, the method further includes：
User's authorization messages that mobile unit is sent are received, it is the UBI analysis centers that user's authorization messages, which carry user, The decruption key of the driving behavior data of server-assignment；
The driving behavior data are decrypted using the decruption key, the driving behavior data after being decrypted.
8. a kind of mobile unit, which is characterized in that the mobile unit includes：
Acquiring unit, for obtaining the running data of target vehicle；
Processing unit for being handled according to preset rules the running data, obtains the driving row of the target vehicle For data；
Generation unit, for generating intelligent contract according to the open condition of the driving behavior data；
Unit is submitted, for submitting the driving behavior data and the intelligent contract to the node device of block chain, so that institute It states node device the driving behavior data and the intelligent contract are registered in block chain, insures UBI convenient for driving behavior Analysis center's server obtains the driving behavior data according to the intelligent contract and formulates the amount insured of the target vehicle Degree.
9. mobile unit according to claim 8, which is characterized in that the processing unit is specifically used for：
The running data is encrypted by Encryption Algorithm, obtains encrypted running data；
It is signed by preset digital certificate to the encrypted running data, obtains the driving row of the target vehicle For data, the digital certificate is issued, and protect when being registered for the mobile unit to block chain by block chain digital authenticating center There are in the mobile unit.
10. mobile unit according to claim 9, which is characterized in that the intelligence contract includes the driving behavior number According to opening permission and open content, the user that the intelligence contract is used to submit in UBI analysis centers servers authorizes Instruction allows the node of UBI analysis centers server from the block chain to set when request message is matched with the intelligent contract The standby open content for obtaining the driving behavior data.
11. according to the mobile unit described in right 10, which is characterized in that the mobile unit further includes：
Receiving unit, for receiving the user authorization request message of UBI analysis centers server, the user-authorization-request Message is used to indicate the running data of target vehicle described in the UBI analysis centers server acquisition request；
Transmitting element, for sending user's authorization messages to UBI analysis centers server, user's authorization messages carry Decruption key of the user for the driving behavior data of UBI analysis centers server-assignment.
12. a kind of UBI analysis centers server, which is characterized in that UBI analysis centers server includes：
Acquiring unit, for obtaining the driving behavior data of target vehicle from the node device of block chain according to intelligent contract；
Determination unit, for determining the security level of the user according to the driving behavior data；
Unit is formulated, for formulating corresponding insurance amount, the safety level for the target vehicle according to the security level Not there is correspondence with the insurance amount.
13. UBI analysis centers according to claim 12 server, which is characterized in that the intelligence contract includes described The opening permission and open content of driving behavior data；The acquiring unit is specifically used for：
User authorization request message is submitted to the node device of the block chain；
When the user authorization request message is matched with the intelligent contract, described in the node device acquisition from the block chain The open content of driving behavior data.
14. UBI analysis centers according to claim 13 server, which is characterized in that UBI analysis centers server It further includes：
Receiving unit, for receiving user's authorization messages of mobile unit transmission, it is institute that user's authorization messages, which carry user, State the decruption key of the driving behavior data of UBI analysis centers server-assignment；
Decryption unit, for the driving behavior data to be decrypted using the decruption key, the driving after being decrypted Behavioral data.
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CN112767181A (en) * 2021-01-08 2021-05-07 布比（北京）网络技术有限公司 Method and system for decentralized calculation of vehicle insurance cost based on block chain
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CN114419926A (en) * 2022-01-24 2022-04-29 浙江海康智联科技有限公司 Intersection left-turning auxiliary early warning system and method based on vehicle-road cooperation
CN114724368A (en) * 2022-03-31 2022-07-08 海南龙超信息科技集团有限公司 Intelligent city traffic management system
CN114841818A (en) * 2022-04-18 2022-08-02 北京交通大学 Privacy protection customized car insurance bidding method based on cross-chain technology
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CN112292841A (en) * 2018-06-26 2021-01-29 联邦印刷有限公司 Creating vehicle certificates with blockchains
CN108921661A (en) * 2018-06-29 2018-11-30 上海博泰悦臻电子设备制造有限公司 Vehicle insurance declaration form generation method, generation system based on car-mounted terminal
CN109102412A (en) * 2018-07-27 2018-12-28 中国联合网络通信集团有限公司 Information of vehicles processing method, equipment and storage medium
CN109146258A (en) * 2018-07-27 2019-01-04 深圳市致宸信息科技有限公司 Driving data processing method and processing device based on block chain
CN108881494A (en) * 2018-08-10 2018-11-23 三门峡速达交通节能科技股份有限公司 Secure messaging methods based on In-vehicle networking and block chain
CN108881494B (en) * 2018-08-10 2021-06-29 三门峡速达交通节能科技股份有限公司 Safety information transmission method based on vehicle-mounted network and block chain
CN109191315A (en) * 2018-08-22 2019-01-11 泰康保险集团股份有限公司 Insurance mutual aid method, device, medium and electronic equipment based on block chain
CN110871757A (en) * 2018-08-31 2020-03-10 比亚迪股份有限公司 Vehicle-mounted data processing method and device and vehicle
CN110871757B (en) * 2018-08-31 2022-09-09 比亚迪股份有限公司 Vehicle-mounted data processing method and device and vehicle
CN108830110A (en) * 2018-09-10 2018-11-16 珠海格力电器股份有限公司 Energy interactive device, energy internet system and exchange method based on block chain
CN109660514B (en) * 2018-11-15 2020-06-09 苏宁易购集团股份有限公司 Implementation method of intelligent equipment system, intelligent equipment control method and system
CN109660514A (en) * 2018-11-15 2019-04-19 苏宁易购集团股份有限公司 A kind of implementation method of smart machine system, smart machine control method and system
CN111223205A (en) * 2018-11-23 2020-06-02 南台学校财团法人南台科技大学 Non-image-judged driving event recording method and system
CN109801398A (en) * 2018-12-14 2019-05-24 福建钰辰微电子有限公司 One kind being based on RFID Internet of Things vehicle intelligent terminal data monitoring management system
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CN110430061A (en) * 2019-07-19 2019-11-08 东南大学 A kind of car networking equipment identities authentication method based on block chain technology
CN110430061B (en) * 2019-07-19 2021-08-06 东南大学 Vehicle networking equipment identity authentication method based on block chain technology
CN110706371A (en) * 2019-10-17 2020-01-17 腾讯科技（深圳）有限公司 Block chain-based driving safety management method, system and storage medium
CN110706371B (en) * 2019-10-17 2022-04-05 腾讯科技（深圳）有限公司 Block chain-based driving safety management method, system and storage medium
CN113254947A (en) * 2020-02-13 2021-08-13 宁波吉利汽车研究开发有限公司 Vehicle data protection method, system, equipment and storage medium
CN111368326A (en) * 2020-02-25 2020-07-03 百度在线网络技术（北京）有限公司 Vehicle data processing method and device, electronic equipment and storage medium
CN111737765A (en) * 2020-07-31 2020-10-02 支付宝(杭州)信息技术有限公司 Method and device for managing block chain resources
CN112040482A (en) * 2020-09-08 2020-12-04 安徽大学 Encryption processing method and equipment for automatic driving data under 5G communication
CN112398907A (en) * 2020-10-20 2021-02-23 易显智能科技有限责任公司 Method and related device for driving behavior fidelity data chain based on block chain
CN112398907B (en) * 2020-10-20 2024-01-12 易显智能科技有限责任公司 Driving behavior fidelity data chain method based on blockchain and related device
CN112615809A (en) * 2020-11-16 2021-04-06 雄狮汽车科技(南京)有限公司 Vehicle driving data management system and method based on block chain
CN112767181A (en) * 2021-01-08 2021-05-07 布比（北京）网络技术有限公司 Method and system for decentralized calculation of vehicle insurance cost based on block chain
CN112733168A (en) * 2021-01-13 2021-04-30 上海图灵加佳网络科技有限公司 Driving data sharing method and system, storage medium and vehicle-mounted terminal
CN112866250A (en) * 2021-01-19 2021-05-28 中国工商银行股份有限公司 Vehicle data processing method and device based on block chain
CN114419926B (en) * 2022-01-24 2022-12-20 浙江海康智联科技有限公司 Intersection left-turning auxiliary early warning system and method based on vehicle-road cooperation
CN114419926A (en) * 2022-01-24 2022-04-29 浙江海康智联科技有限公司 Intersection left-turning auxiliary early warning system and method based on vehicle-road cooperation
CN114724368A (en) * 2022-03-31 2022-07-08 海南龙超信息科技集团有限公司 Intelligent city traffic management system
CN114841818A (en) * 2022-04-18 2022-08-02 北京交通大学 Privacy protection customized car insurance bidding method based on cross-chain technology
CN117784934A (en) * 2023-12-27 2024-03-29 湖北工业大学 Vehicle-mounted touch screen multimedia intelligent information system

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