CN108171430B

CN108171430B - Data processing method, vehicle-mounted equipment and UBI analysis center server

Info

Publication number: CN108171430B
Application number: CN201711481076.0A
Authority: CN
Inventors: 刘均; 刘新; 兰飞; 周军
Original assignee: Golo Iov Data Technology Co ltd
Current assignee: Golo Iov Data Technology Co ltd
Priority date: 2017-12-29
Filing date: 2017-12-29
Publication date: 2021-12-07
Anticipated expiration: 2037-12-29
Also published as: CN108171430A

Abstract

The embodiment of the application discloses a data processing method, vehicle-mounted equipment and a UBI analysis center server, which are used for improving the integrity and the privacy of stored driving behavior data, and the UBI analysis center server acquires the driving behavior data according to an intelligent contract and formulates a corresponding insurance amount for a target vehicle. The method in the embodiment of the application comprises the following steps: acquiring running data of a target vehicle; processing the driving data according to a preset rule to obtain driving behavior data of the target vehicle; generating an intelligent contract according to the opening condition of the driving behavior data; and submitting the driving behavior data and the intelligent contract to node equipment of a block chain so that the node equipment registers the driving behavior data and the intelligent contract in the block chain, and a driving behavior insurance UBI analysis center server can conveniently acquire the driving behavior data according to the intelligent contract and formulate the insurance limit of the target vehicle.

Description

Data processing method, vehicle-mounted equipment and UBI analysis center server

Technical Field

The embodiment of the application relates to the technical field of block chains, in particular to a data processing method, vehicle-mounted equipment and a UBI analysis center server.

Background

With the development of economy and the improvement of the level of people's lives, motor vehicles are rapidly popularized and the number of motor vehicles is increasing. Consequently, motor vehicle insurance services have also developed rapidly.

At present, in order to provide User Based Insurance (UBI) suitable for individual motor vehicles for different drivers, the UBI obtains driving data of a vehicle owner by using a vehicle networking technology, uploads the driving data of the vehicle owner to a central server, analyzes data such as driving habits and driving behaviors of the vehicle owner through the data stored in the central server, judges the safety level of the driver, and pushes the automobile insurance with differentiated rates according to the safety level of the driver.

However, at present, because the UBI obtains the driving data of the vehicle owner through the internet of vehicles technology and uploads the driving data to the central server, the driving data of the vehicle owner is stored through the central server, and a data user does not agree with the driving data by the vehicle owner, the privacy of the vehicle owner is affected, and the privacy of the driving data is low. In the central server, when the owner finds that part of the driving data in the server is bad, the owner can extract and delete the part of the driving data in the server. Therefore, the integrity of the data of the target vehicle stored in the server is reduced, and when a subsequent UBI analysis center analyzes the data according to the driving data of the target vehicle stored in the server, the complete driving data is lacked, so that the UBI analysis center cannot accurately determine the real driving habits of the vehicle owner, the accuracy of the UBI analysis center analyzing the driving data is reduced, and the driving habits of the driver cannot be correctly determined.

Disclosure of Invention

The embodiment of the application provides a data processing method, vehicle-mounted equipment and a UBI analysis center server, which are used for improving the integrity and the privacy of driving behavior data, and the UBI analysis center server acquires the driving behavior data according to an intelligent contract and formulates the insurance limit of a target vehicle.

In a first aspect, an embodiment of the present application provides a data processing method, which is applied to a vehicle-mounted device, and includes:

acquiring running data of a target vehicle;

processing the driving data according to a preset rule to obtain driving behavior data of the target vehicle;

generating an intelligent contract according to the opening condition of the driving behavior data;

and submitting the driving behavior data and the intelligent contract to node equipment of a block chain so that the node equipment registers the driving behavior data and the intelligent contract in the block chain, and a driving behavior insurance UBI analysis center server can conveniently acquire the driving behavior data according to the intelligent contract and formulate the insurance limit of the target vehicle.

In a possible implementation manner, the processing the driving data according to a preset rule to obtain driving behavior data of the target vehicle specifically includes:

Encrypting the driving data through an encryption algorithm to obtain encrypted driving data;

and signing the encrypted running data through a preset digital certificate to obtain the driving behavior data of the target vehicle, wherein the digital certificate is issued by a block chain digital authentication center when the vehicle-mounted equipment registers to a block chain and is stored in the vehicle-mounted equipment.

In another possible implementation manner, the intelligent contract includes the open right and the open content of the driving behavior data, and the intelligent contract is used for indicating that the UBI analysis center server is allowed to acquire the open content of the driving behavior data from the node devices of the block chain when the user authorization request message submitted by the UBI analysis center server is matched with the intelligent contract.

In another possible implementation, after the submitting the driving behavior data and the intelligent contract to a node device of a blockchain, the method further includes:

receiving a user authorization request message of the UBI analysis center server, wherein the user authorization request message is used for indicating the UBI analysis center server to request to acquire the driving data of the target vehicle;

And sending a user authorization message to the UBI analysis center server, wherein the user authorization message carries a decryption key of the driving behavior data distributed by the user to the UBI analysis center server.

In another possible implementation manner, the acquiring, by the vehicle-mounted device, the driving data of the target vehicle includes:

the vehicle-mounted device acquires driving data of the target vehicle through a Controller Area Network (CAN) bus of the target vehicle and a sensor of the vehicle-mounted device;

alternatively, the first and second electrodes may be,

and the vehicle-mounted equipment acquires the running data of the target vehicle through a CAN bus of the target vehicle.

In a second aspect, an embodiment of the present application provides a data processing method, which is applied to a UBI analysis center server, and includes:

acquiring driving behavior data of a target vehicle from node equipment of a block chain according to an intelligent contract;

determining the safety level of the user according to the driving behavior data;

and establishing a corresponding insurance amount for the target vehicle according to the safety level, wherein the safety level and the insurance amount have a corresponding relation.

In one possible implementation, the smart contract includes open rights and open content of the driving behavior data; the acquiring of the driving behavior data of the target vehicle from the node device of the block chain according to the intelligent contract specifically includes:

Submitting a user authorization request message to node equipment of the block chain;

and when the user authorization request message is matched with the intelligent contract, acquiring the open content of the driving behavior data from the node equipment of the block chain.

In another possible implementation manner, before determining the safety level of the user according to the driving behavior data, the method further includes:

receiving a user authorization message sent by vehicle-mounted equipment, wherein the user authorization message carries a decryption key of the driving behavior data distributed by a user for the UBI analysis center server;

and decrypting the driving behavior data by using the decryption key to obtain the decrypted driving behavior data.

In a third aspect, an embodiment of the present application provides an on-vehicle device, including:

an acquisition unit configured to acquire travel data of a target vehicle;

the processing unit is used for processing the driving data according to a preset rule to obtain driving behavior data of the target vehicle;

the generating unit is used for generating an intelligent contract according to the opening condition of the driving behavior data;

and the submitting unit is used for submitting the driving behavior data and the intelligent contract to node equipment of a block chain so as to enable the node equipment to register the driving behavior data and the intelligent contract in the block chain, so that a driving behavior insurance UBI analysis center server can conveniently acquire the driving behavior data according to the intelligent contract and formulate the insurance limit of the target vehicle.

In a possible implementation manner, the processing unit is specifically configured to:

In another possible implementation manner, the vehicle-mounted device further includes:

a receiving unit, configured to receive a user authorization request message from the UBI analysis center server, where the user authorization request message is used to instruct the UBI analysis center server to request to acquire driving data of the target vehicle;

And the sending unit is used for sending a user authorization message to the UBI analysis center server, wherein the user authorization message carries a decryption key of the driving behavior data distributed by the user to the UBI analysis center server.

In another possible implementation manner, the obtaining unit is specifically configured to:

acquiring running data of the target vehicle through a CAN bus of the target vehicle and a sensor of the vehicle-mounted equipment;

alternatively, the first and second electrodes may be,

and acquiring the running data of the target vehicle through the CAN bus of the target vehicle.

In a fourth aspect, an embodiment of the present application provides a UBI analysis center server, including:

the acquisition unit is used for acquiring the driving behavior data of the target vehicle from the node equipment of the block chain according to the intelligent contract;

a determining unit, configured to determine a safety level of the user according to the driving behavior data;

and the formulating unit is used for formulating a corresponding insurance amount for the target vehicle according to the safety level, and the safety level and the insurance amount have a corresponding relation.

In one possible implementation, the smart contract includes open rights and open content of the driving behavior data; the obtaining unit is specifically configured to:

In another possible implementation manner, the UBI analysis center server further includes:

the receiving unit is used for receiving a user authorization message sent by the vehicle-mounted equipment, wherein the user authorization message carries a decryption key of the driving behavior data distributed by the user for the UBI analysis center server;

and the decryption unit is used for decrypting the driving behavior data by using the decryption key to obtain the decrypted driving behavior data.

In a fifth aspect, an embodiment of the present application provides an on-vehicle device, including:

a processor, a memory, an input-output device, and a bus;

the processor, the memory and the input and output equipment are respectively connected with the bus, and computer instructions are stored in the memory;

the processor, when executing the computer instructions in the memory, is configured to implement any of the implementations of the first aspect.

In a sixth aspect, an embodiment of the present application provides a UBI analysis center server, including:

A processor, a memory, an input-output device, and a bus;

the processor, when executing the computer instructions in the memory, is configured to implement any of the implementations of the second aspect.

In a seventh aspect, an embodiment of the present application provides a computer program product including instructions, which when run on a computer, cause the computer to perform the implementation manner as set forth in any one of the first aspect or the second aspect.

In an eighth aspect, an embodiment of the present application provides a computer-readable storage medium, which is characterized by including instructions, when the instructions are executed on a computer, the instructions cause the computer to perform the implementation manner as set forth in any one of the first aspect or the second aspect.

According to the technical scheme, the embodiment of the application has the following advantages:

according to the technical scheme, the vehicle-mounted equipment acquires the driving data of the target vehicle, the vehicle-mounted equipment processes the driving data according to the preset rule to obtain the driving behavior data of the target vehicle, then the vehicle-mounted equipment generates the intelligent contract according to the opening condition of the driving behavior data, then the vehicle-mounted equipment submits the driving behavior data and the intelligent contract to the node equipment of the block chain, the node equipment of the block chain can register the driving behavior data and the intelligent contract into the block chain, the driving behavior insurance UBI analysis center server can conveniently acquire the driving behavior data according to the intelligent contract and formulate the insurance quota of the target vehicle, therefore, the driving data of the target vehicle are stored through the block chain, the integrity of the stored data is improved, the opening condition of the driving behavior data is generated into the intelligent contract, and a data user can only acquire the corresponding driving behavior contract according to the condition of the intelligent contract Is data, thus improving the privacy of the driving behavior data of the vehicle owner. When the subsequent UBI analysis center server analyzes according to the running data on the block chain, the UBI analysis center server can accurately analyze the running data of the target vehicle, can more accurately judge the driving habits of the driver and formulate the corresponding insurance quota for the target vehicle because the data is complete.

Drawings

FIG. 1 is a system framework diagram of a data processing method in an embodiment of the present application;

FIG. 2 is a schematic diagram of an embodiment of a data processing method in an embodiment of the present application;

FIG. 3 is a schematic diagram of another embodiment of a data processing method in the embodiment of the present application;

FIG. 4 is a schematic diagram of another embodiment of a data processing method in the embodiment of the present application;

FIG. 5 is a schematic structural diagram of an in-vehicle device according to an embodiment of the present application;

fig. 6 is a schematic structural diagram of a UBI analysis center server in an embodiment of the present application;

FIG. 7 is another schematic structural diagram of an in-vehicle device according to an embodiment of the present application;

fig. 8 is another schematic structural diagram of a UBI analysis center server in the embodiment of the present application.

Detailed Description

The embodiment of the application provides a data processing method, vehicle-mounted equipment and a UBI analysis center server, which are used for improving the integrity and privacy of driving behavior data, and the UBI analysis center server acquires the driving behavior data according to an intelligent contract, so that the driving habit of a driver can be more accurately judged, and a corresponding insurance line is formulated for a target vehicle.

Referring to fig. 1, in the data processing process, a user, a vehicle-mounted device 101, a block link point device 103, and a UBI analysis center server 102 are involved. The vehicle-mounted device 101 is a device on the target vehicle, and is used for acquiring the running data of the target vehicle and processing and storing the running data. The block chain is a database of block chains formed by combining blocks in a chain. A blockchain is a transaction database shared by all nodes within the system that participate in the blockchain's network based on a value exchange protocol. In the embodiment of the application, the blockchain is used for storing the driving data of the vehicle, and the driving data stored on the blockchain cannot be tampered, and each node server of the blockchain synchronously updates the backup complete data. The vehicle-mounted device 101 may be installed with an insurance pushing application app, a user may receive an authorization request message, an automobile insurance recommendation message, and the like sent by the UBI analysis center server 102 through the vehicle-mounted device 101, and the user may send a user authorization message to the UBI analysis center server 102 through the vehicle-mounted device 101, and may also view automobile insurance pushed by the UBI analysis center server 102 and select to purchase corresponding automobile insurance and the like. The UBI analysis center server 102 is configured to acquire the traveling data of the target vehicle stored in the in-vehicle device from the block chain, and process and analyze the traveling data. The device of the block link node may be a node server on the block chain, or may be a node terminal of the block chain, which is not limited herein.

It should be noted that the insurance push app installed on the vehicle-mounted device may be installed on the vehicle-mounted device, or may be installed on another terminal, and is not limited herein.

In this embodiment of the application, the vehicle-mounted device may be an On Board Diagnostics (OBD) device, and may also be a vehicle-mounted information BOX (T-BOX) device, and the like, which is not limited herein.

Referring to fig. 2, a data processing method in an embodiment of the present application is described below from the perspective of a vehicle-mounted device, where an embodiment of the data processing method in the embodiment of the present application includes:

201. the in-vehicle apparatus acquires travel data of a target vehicle.

When the state of the target vehicle changes, the in-vehicle apparatus may acquire the travel data of the target vehicle. Specifically, the vehicle-mounted device may acquire the driving data of the target vehicle through a Controller Area Network (CAN) bus of the target vehicle and a sensor on the vehicle-mounted device, or may acquire the driving data in other manners, which is not limited herein. The driving data comprises driver identity information, vehicle overspeed, rapid acceleration, rapid deceleration, rapid turning, collision, rapid braking, terminal equipment insertion, terminal equipment extraction, vehicle ignition preparation starting state information, vehicle flameout state information after ignition stopping, driving mileage, driving area, single driving distance, rest time and the like, and further comprises more driving data, and the application is not limited herein.

It should be noted that the vehicle-mounted device may determine the obtaining mode according to the configuration of the vehicle-mounted device, and when the configuration of the target vehicle is higher, and the vehicle itself has a sensor for obtaining the running data, then the vehicle-mounted device on the target vehicle may obtain all the required running data according to the CAN bus protocol through the CAN bus of the target vehicle; when the configuration of the target vehicle is low, the vehicle-mounted device needs to acquire all required driving data through the CAN bus of the target vehicle and the sensor on the vehicle-mounted device, which is not limited herein specifically, and in practical application, the data acquisition mode is determined by the configuration of the target vehicle.

In this embodiment, the sensor on the vehicle-mounted device may include a fingerprint recognition sensor, a voiceprint recognition sensor, a Global Positioning System (GPS) sensor, an acceleration sensor, and the like, and may further include more other types of sensors, which is not limited herein.

202. And the vehicle-mounted equipment processes the running data according to a preset rule to obtain the driving behavior data of the target vehicle.

Specifically, the vehicle-mounted device can encrypt the driving data through an encryption algorithm, then signs the encrypted driving data through a preset digital certificate to obtain the driving behavior data of the target vehicle, the digital certificate is a certificate issued by a block chain digital certificate authority when the vehicle-mounted device registers to a block chain and is stored in the vehicle-mounted device, the digital certificate carries a public key, the public key corresponds to a corresponding private key, and the vehicle-mounted device signs the data through the private key. The vehicle-mounted device may also sign the driving data through a digital certificate to obtain driving behavior data of the target vehicle, which is not limited herein.

It should be noted that the vehicle-mounted device encrypts the driving data through the encryption algorithm to obtain the encrypted driving data, and the encrypted driving data may be encrypted through a symmetric encryption algorithm, so that a corresponding symmetric decryption key may be used in subsequent decryption. The vehicle-mounted device uploads the driving data to the block chain node device in a ciphertext mode, and the driving data can be encrypted according to a random number locally generated by the vehicle-mounted device and then uploaded to the block chain node device. The vehicle-mounted device uploads the driving data to the block chain in an encrypted mode to play a role in protecting the privacy of the vehicle owner, in addition, the driving data can be stored in a mode of establishing a channel (block chain sub) with an authorization authority, only authorized data users are allowed to view the driving data, the function of protecting the privacy of the vehicle owner can be played, and the specific limitation is not made here.

203. And the vehicle-mounted equipment generates an intelligent contract according to the opening condition of the driving behavior data.

After the vehicle-mounted equipment processes the driving data, driving behavior data of the target vehicle is obtained, then an intelligent contract is generated according to the opening condition of the driving behavior data, wherein the opening condition of the driving behavior data can be set according to the will of a vehicle owner, for example, by setting a corresponding password or a verification code, and then setting the password as the condition of the intelligent contract, when a corresponding password is input, the condition of the intelligent contract can be met, and then the corresponding driving behavior data can be acquired at this time. In addition, the intelligent contract may include an opening right and an opening content, such as which data users may open the right according to the will of the vehicle owner, and driving behavior data corresponding to which period of time the vehicle owner opens, and the like, which is not limited herein.

204. And the vehicle-mounted equipment submits the driving behavior data and the intelligent contract to the node equipment of the block chain.

The vehicle-mounted equipment submits the driving behavior data and the intelligent contract to node equipment of a block chain, the driving behavior data are stored through the node equipment of the block chain, wherein the driving behavior data and the intelligent contract can be submitted to a node server of the block chain. Then the node equipment of the block chain deploys the intelligent contract, and in the subsequent process, when the vehicle-mounted equipment uploads the driving behavior data, the intelligent contract does not need to be uploaded again, because the intelligent contract is already deployed in the block chain when the intelligent contract is uploaded for the first time. And the driving behavior data stored by the node server of the block chain is used for the UBI analysis center server to analyze the running of the target vehicle and establish the insurance amount of the target vehicle.

In the embodiment of the application, the vehicle-mounted device acquires the driving data of a target vehicle, the vehicle-mounted device processes the driving data according to a preset rule to obtain the driving behavior data of the target vehicle, then the vehicle-mounted device generates an intelligent contract according to the opening condition of the driving behavior data, and then the vehicle-mounted device submits the driving behavior data and the intelligent contract to the node device of the block chain, so that the node device of the block chain can register the driving behavior data and the intelligent contract in the block chain, a driving behavior insurance UBI analysis center server can acquire the driving behavior data according to the intelligent contract and formulate the insurance limit of the target vehicle, therefore, the driving data of the target vehicle is stored through the block chain, the integrity of the stored data is improved, the opening condition of the driving behavior data is generated into the intelligent contract, and a data user can acquire the corresponding driving behavior number only when the driving behavior number meets the condition of the intelligent contract Accordingly, the privacy of the driving behavior data of the vehicle owner is improved. When the subsequent UBI analysis center server analyzes according to the running data on the block chain, the UBI analysis center server can accurately analyze the running data of the target vehicle, can more accurately judge the driving habits of the driver and formulate the corresponding insurance quota for the target vehicle because the data is complete.

The data processing method in the embodiment of the present application is described above from the perspective of the vehicle-mounted device, and the data processing method in the embodiment of the present application is described below from the perspective of the UBI analysis center server, please refer to fig. 3, where another embodiment of the data processing method in the embodiment of the present application includes:

301. and the UBI analysis center server acquires the driving behavior data of the target vehicle from the node equipment of the block chain according to the intelligent contract.

After the vehicle-mounted equipment submits the driving behavior data to the block chain, the UBI analysis center server can acquire the corresponding driving behavior data of the target vehicle from the node equipment on the block chain according to the intelligent contract, wherein the UBI analysis center server can input a corresponding password or a corresponding verification code, and when the input password or the corresponding verification code is matched with a preset condition in the intelligent contract, the UBI analysis center server can acquire the corresponding driving behavior data.

It should be noted that the UBI analysis center server may be a device with a blockchain technology, or may be a UBI analysis center server of a third party, which is not limited herein.

302. And the UBI analysis center server determines the safety level of the user according to the driving behavior data.

The UBI analysis center server acquires the driving behavior of the target vehicle from the blockchain, analyzes the driving behavior of the user and the surrounding environment of the driving of the user according to the driving behavior data, determines the safety level of the user, and determines the safety level of the user. Specifically, for example, the UBI analysis center server acquires the running data of the target vehicle in a period of time from the block chain, and counts the number of sharp turns and the number of sharp brakes of the target vehicle in the period of time, specifically, the vehicle-mounted device senses the number of sharp turns of the target vehicle according to the direction sensor and senses the speed of the target vehicle according to the speed sensor, the vehicle-mounted device senses the acceleration of the target vehicle according to the acceleration sensor, and when the absolute value of the acceleration increases rapidly, the target vehicle is determined to be in a sharp braking state. After the UBI analysis center server counts the number of sharp turns and the number of sharp brakes of the target vehicle within a period of time, the UBI analysis center server can determine the frequency of sharp turns and the frequency of sharp brakes of the target vehicle, and determine a safety level for a user according to the frequency of sharp turns and the frequency of sharp brakes, wherein the higher the frequency of sharp turns or the frequency of sharp brakes is, the lower the safety level is. In addition, the vehicle-mounted device locates the location of the target vehicle through the GPS sensor, the UBI analysis server may obtain a driving location of the target vehicle within a period of time, and analyze a driving environment of the target vehicle within a period of time through statistics of the driving location, for example, if the target vehicle appears frequently in a mountain area, it may be determined that the security level of the user is low according to a relatively difficult road condition of a mountain area.

303. And the UBI analysis center server establishes a corresponding insurance amount for the target vehicle according to the security level of the user.

And after the UBI analysis center server analyzes the data, determining the safety level of the user, and establishing a corresponding insurance amount for the target vehicle according to the safety level of the user, wherein the safety level and the insurance amount have a corresponding relation, and each safety level corresponds to one insurance amount. Specifically, for example, if the UBI analysis center server determines that the security level of the user is level a through data analysis, there is an insurance line corresponding to the security level of level a, where the insurance line is embodied as a selling price of the car insurance, a settlement amount of an accident, and the like, and this is not limited herein.

It should be noted that, the UBI analysis center server may formulate a corresponding insurance amount for the target vehicle according to the security level of the user, and may push a differentiated automobile insurance corresponding to the insurance amount to the user after formulating the insurance amount of the target vehicle, so as to recommend a more suitable automobile insurance to the user, which is not limited herein.

In the embodiment of the application, the UBI analysis server obtains driving behavior data of a target vehicle from node equipment of a block chain according to an intelligent contract, then the UBI analysis server can determine the safety level of the user according to the driving behavior data, and then a corresponding insurance line is established for the target vehicle according to the safety level, wherein the safety level and the insurance line have a corresponding relation. Therefore, the driving data of the target vehicle is stored through the block chain, the integrity of the stored data is improved, the open condition of the driving behavior data is generated into an intelligent contract, and the UBI analysis server can acquire the corresponding driving behavior data when inputting the condition according with the intelligent contract, so that the privacy of the driving behavior data of the vehicle owner is improved. When the subsequent UBI analysis center server analyzes according to the running data on the block chain, the UBI analysis center server can accurately analyze the running data of the target vehicle, can more accurately judge the driving habits of the driver and formulate the corresponding insurance quota for the target vehicle because the data is complete.

In one possible implementation manner, the intelligent contract includes the open right and the open content of the driving behavior data, and the intelligent contract is used for instructing the UBI analysis center server to acquire the open content of the driving behavior data from the node device of the block chain when the user authorization request message submitted by the UBI analysis center server matches the intelligent contract. It should be noted that the vehicle-mounted device generates the intelligent contract according to the opening condition of the driving behavior data, the intelligent contract may include opening rights and opening contents, for example, the vehicle-mounted device may select to open the rights to some users according to the will of the vehicle owner, and may open the driving data in the corresponding time period according to the will of the vehicle owner.

In another possible implementation manner, after the vehicle-mounted device submits the driving behavior data and the intelligent contract to the node device of the block chain, the method further includes: the vehicle-mounted equipment receives a user authorization request message of the UBI analysis server, the user authorization request message is used for indicating the UBI analysis center server to request to acquire the driving data of the target vehicle, the vehicle-mounted equipment sends a user authorization message to the UBI analysis center server, and the user authorization message carries a decryption key of the driving behavior data distributed by the vehicle-mounted equipment for the UBI analysis center server. It should be noted that, if the vehicle-mounted device encrypts the driving data, when the user authorization request message matches the intelligent contract, the vehicle-mounted device may receive the user authorization request message sent by the UBI analysis server and forwarded by the node device of the block chain, and then the vehicle-mounted device may send the user authorization message to the UBI analysis center server, where the user authorization message carries the decryption key of the driving behavior data; if the vehicle-mounted device does not encrypt the driving data, the UBI analysis server sends a user authorization request message to the node device of the block chain, and then the user authorization request message is matched with the intelligent contract, the driving behavior data can be directly received, and the details are not limited herein.

In another possible implementation manner, the intelligent contract comprises the opening authority and the opening content of the driving behavior data; the obtaining, by the UBI analysis center server, the driving behavior data of the target vehicle from the node device of the block chain according to the intelligent contract specifically includes: and submitting a user authorization request message to the node equipment of the blockchain, and acquiring the open content of the driving behavior data from the node equipment of the blockchain when the user authorization request message is matched with the intelligent contract. It should be noted that the UBI analysis center server may obtain the driving behavior data by submitting a user authorization request message to the node device of the block chain, or may obtain the driving behavior data in other manners, which is not limited herein. In the following embodiments, the explanation is made only with the UBI analysis center server obtaining driving behavior data by submitting a user authorization request message to the node servers of the blockchain.

In another possible implementation manner, before the UBI analysis center server determines the safety level of the user according to the driving behavior data, the method further includes: receiving a user authorization message sent by the vehicle-mounted equipment, wherein the user authorization message carries a decryption key of the driving behavior data distributed by a user for the UBI analysis center server; and decrypting the driving behavior data by using the decryption key to obtain the decrypted driving behavior data. It should be noted that, if the vehicle-mounted device uploads the driving data to the block chain after encryption processing, when a user authorization receiving request message sent by the UBI analysis center server matches an intelligent contract, the UBI analysis center server may receive a user authorization message sent by the vehicle-mounted device, where the user authorization message carries a decryption key of the driving behavior data of the user authorization message, and the UBI analysis server may decrypt the driving behavior data through the decryption key to obtain decrypted driving behavior data. If the driving data is not encrypted by the vehicle-mounted device, the driving behavior data can be directly acquired when a user authorization request message sent by the UBI analysis center server to the node device of the block chain is matched with the intelligent contract, and the specific details are not limited herein. In the subsequent embodiment, the user authorization message sent by the vehicle-mounted equipment is received only by the UBI analysis center server, and the user authorization message carries the decryption key of the driving behavior data distributed by the user for the UBI analysis center server; the driving behavior data is decrypted by using the decryption key, and the decrypted driving behavior data is obtained as an example for explanation.

In this embodiment, the vehicle-mounted device may store the driving data in the block chain in a ciphertext manner, where the driving data is encrypted according to a random number locally generated by the vehicle-mounted device and then stored in the block chain, or the driving data is stored in a manner of establishing a channel (block chain sub-chain) with an authorization right, and only authorized data users are allowed to view the driving data, which is not limited herein. In the following embodiments, only the node server that encrypts the travel data according to the random number locally generated by the vehicle-mounted device and uploads the encrypted travel data to the block chain will be described as an example.

In the embodiment of the present application, the UBI analysis center server may obtain driving behavior data from the node server of the blockchain, or may obtain driving behavior data from the node terminal of the blockchain, which is not limited herein. In the embodiment of the application, the driving behavior data uploaded by the vehicle-mounted device may be uploaded in a ciphertext manner or a plaintext manner, and specific details are not limited herein.

In this embodiment of the application, the vehicle-mounted device submits the intelligent contract to the blockchain, and then deploys the intelligent contract in the blockchain, so that the UBI analysis center server may obtain corresponding data by sending a request to the node server of the blockchain, which is described below with reference to the embodiment of fig. 4.

Referring to fig. 4, in the embodiment of fig. 4, a UBI analysis center server sends a user authorization request message to a node server of a block chain, where the user authorization message carries a right of acquiring driving data that is allocated by a user to the UBI analysis center server, and when determining that the user authorization request message matches an intelligent contract, a block link point server sends driving behavior data to the UBI analysis center server, where another embodiment of the data processing method in the embodiment of the present application includes:

401. the in-vehicle apparatus acquires travel data of a target vehicle.

Step 401 is similar to step 201 in fig. 2, and is not described herein again.

402. The in-vehicle device transmits a registration request message to a Certificate Authority (CA) center in the blockchain.

And the vehicle-mounted equipment sends a registration request message to a CA center in the block chain.

In this embodiment, there is no fixed execution sequence between step 401 and step 402, step 401 may be executed first, step 402 may also be executed first, or step 401 and step 402 may be executed simultaneously according to the situation, and the specific details are not limited herein.

403. And the block chain CA center sends a registration success message to the vehicle-mounted equipment.

And the block chain CA center sends a registration success message to the vehicle-mounted equipment, wherein the registration success message carries an entitlement certificate, the entitlement certificate carries a public key of the vehicle-mounted equipment, is used for indicating that the vehicle-mounted equipment is a trusted terminal and has the authority of submitting or inquiring data on the node server of the block chain.

404. And the vehicle-mounted equipment encrypts the running data according to the locally generated random number to obtain the encrypted running data.

The vehicle-mounted equipment uses the random number locally generated by the vehicle-mounted equipment as a secret key to encrypt the running data to obtain the encrypted running data. Specifically, the random number may be generated by the vehicle-mounted device according to an Identity (ID) of the user. The encrypted driving data and the decrypted driving data of the node server of the block chain are encrypted by using the symmetric key, and the encryption and the decryption use the same symmetric key, and the rule is preset in the system.

405. And the vehicle-mounted equipment carries out data signature on the encrypted driving data through a private key corresponding to a preset digital certificate to obtain driving behavior data.

And the vehicle-mounted equipment carries out data signature on the encrypted running data according to a private key, wherein the private key has a corresponding relation with a public key of the target vehicle carried in a rights and interests certificate issued by a block chain CA center and is used for identifying the running data as the running data of the target vehicle.

406. And the vehicle-mounted equipment generates an intelligent contract according to the opening condition of the driving behavior data.

Step 406 is similar to step 203 in fig. 2, and is not described herein again.

407. And the vehicle-mounted equipment uploads driving behavior data and an intelligent contract to a billing node server of the block chain.

After the vehicle-mounted equipment encrypts the driving data and carries out data signature on the encrypted driving data through a private key, the vehicle-mounted equipment stores the driving data into a billing node server of the block chain.

408. And the block chain accounting node server verifies the driving behavior data and the intelligent contract.

The vehicle-mounted equipment encrypts the driving data through a secret key, performs data signature through a private key, and uploads the data to a node server of the block chain. Firstly, running data is uploaded to a book backup node server for backup, then the data is packaged through a sequencing node server, the running data is verified through a block chain accounting node server, the block chain accounting node server verifies through a public key of a target vehicle carried in an equity certificate and a data signature on the running data, the running data is determined to be the running data of the target vehicle, then each node server of a block chain achieves consensus through a consensus algorithm, after the running data is determined, the accounting node server can conduct full-network broadcasting, and then each node server of the block chain can update the running data.

It should be noted that the blockchain accounting node server may send a request right certificate message to the vehicle-mounted device, or may request the blockchain CA center to acquire the right certificate of the vehicle-mounted device, which is not limited herein.

409. And the block chain accounting node server sends a storage success message to the vehicle-mounted equipment.

After the driving data are verified and successfully stored by the block chain accounting node server, a storage success message is sent to the vehicle-mounted device, and the storage success message is used for indicating that the driving data are successfully stored in each node server on the block chain.

410. And the UBI analysis center server sends a user authorization request message to the vehicle-mounted equipment.

When the UBI analysis center server needs to use the driving data, a user authorization request message for instructing the UBI analysis center server to request to acquire the driving data of the target vehicle may be sent to the vehicle-mounted device. Therefore, when the UBI analysis center server needs to use the driving data, a request user authorization message needs to be sent to the vehicle owner, and the driving data can be used only by the vehicle owner authorizing the UBI analysis center server and the UBI analysis center server, so that the driving data is stored in the block chain after being encrypted, the privacy of the data is improved, and the privacy right of the vehicle owner is ensured.

411. And the accounting node server of the block chain determines that the condition information carried in the user authorization request message is matched with the intelligent contract.

And the block chain accounting node server determines whether the condition information carried by the user authorization request message is matched with the open authority and the open content in the intelligent contract according to the user authorization request message sent by the UBI analysis center server, wherein the condition information can be the authority information of the UBI analysis center server, and if the condition information is matched with the open authority and the open content in the intelligent contract, the block chain accounting node server sends the driving behavior data of the open content corresponding to the intelligent contract to the UBI analysis server. Specifically, the blockchain accounting node server determines that the UBI analysis center server has the authority to acquire the driving behavior data according to the target condition information carried in the user authorization message, and then the intelligent contract deployed in the blockchain is triggered. If the comparison result is not matched, the block chain accounting node server can determine that the UBI analysis center server does not have the authority of acquiring the driving behavior data, and then the intelligent contract is not triggered.

412. And the block chain accounting node server transmits the driving behavior data of the target vehicle to the UBI analysis center server.

And after the block chain accounting node server determines that the UBI analysis center server has the right to acquire the driving behavior data, the block chain accounting node server sends the driving behavior data of the target vehicle to the UBI analysis center server.

413. And the block chain accounting node server forwards the user authorization request message to the vehicle-mounted equipment.

After the block chain accounting node server sends the driving behavior data to the UBI analysis center server, the user authorization request message sent by the UBI analysis center server is forwarded to the vehicle-mounted equipment.

414. And the vehicle-mounted equipment sends a user authorization message to the UBI analysis center server.

And the vehicle-mounted equipment sends a user authorization message to the UBI analysis center server, wherein the user authorization message carries a decryption key of the driving behavior data.

415. And the UBI analysis center server decrypts the driving behavior data according to the decryption key to obtain the decrypted driving behavior data.

After the UBI analysis center server obtains the decryption key of the driving behavior data, the driving behavior data can be decrypted, and the decrypted driving behavior data can be obtained.

416. And the UBI analysis center server analyzes the safety level of the user according to the decrypted driving behavior data.

417. And the UBI analysis center server establishes an insurance limit for the target vehicle according to the security level of the user.

Steps 416 to 417 are similar to steps 302 to 303 in fig. 3, and are not described herein again.

The data processing method in the embodiment of the present application is described above, and referring to fig. 5, a description is given below to the vehicle-mounted device in the embodiment of the present application, where the receiving unit 505 and the sending unit 505 are optional units, and an embodiment of the vehicle-mounted device in the embodiment of the present application includes:

an acquisition unit 501 for acquiring travel data of a target vehicle;

the processing unit 502 is configured to process the driving data according to a preset rule to obtain driving behavior data of the target vehicle;

a generating unit 503 configured to generate an intelligent contract according to the opening condition of the driving behavior data;

the submitting unit 504 is configured to submit the driving behavior data and the intelligent contract to a node device of the block chain, so that the node device registers the driving behavior data and the intelligent contract in the block chain, so that the driving behavior insurance UBI analysis center server obtains the driving behavior data according to the intelligent contract and formulates an insurance limit of the target vehicle.

In this embodiment, the processing unit 502 is specifically configured to encrypt the driving data through an encryption algorithm to obtain encrypted driving data; and signing the encrypted running data through a preset digital certificate to obtain the driving behavior data of the target vehicle, wherein the digital certificate is issued by a blockchain digital certification center when the vehicle-mounted equipment registers to a blockchain and is stored in the vehicle-mounted equipment.

In this embodiment, the intelligent contract includes the open right and the open content of the driving behavior data, and the intelligent contract is used to indicate that the UBI analysis center server is allowed to obtain the open content of the driving behavior data from the node device of the block chain when the user authorization request message submitted by the UBI analysis center server matches the intelligent contract.

In this embodiment, the in-vehicle device further includes:

a receiving unit 505, configured to receive a user authorization request message of the UBI analysis center server, where the user authorization request message is used to instruct the UBI analysis center server to request to acquire the driving data of the target vehicle;

a sending unit 506, configured to send a user authorization message to the UBI analysis center server, where the user authorization message carries a decryption key of the driving behavior data that is distributed by the user to the UBI analysis center server.

In this embodiment, the obtaining unit 501 is specifically configured to obtain the driving data of the target vehicle through a CAN bus of the target vehicle and a sensor of the vehicle-mounted device; or acquiring the running data of the target vehicle through a CAN bus of the target vehicle.

In this embodiment, the flow executed by each unit in the vehicle-mounted device is similar to the method flow executed by the vehicle-mounted device described in the embodiments shown in fig. 2 and fig. 4, and is not described again here.

In the embodiment of the application, the obtaining unit 501 obtains the driving data of the target vehicle, the processing reaction 502 processes the driving data according to a preset rule to obtain the driving behavior data of the target vehicle, then the generating unit 503 generates an intelligent contract according to the opening condition of the driving behavior data by the vehicle-mounted device, and then the submitting unit 504 submits the driving behavior data and the intelligent contract to the node device of the block chain, so that the node device of the block chain can register the driving behavior data and the intelligent contract in the block chain, so that the driving behavior insurance UBI analysis center server can obtain the driving behavior data according to the intelligent contract and formulate the insurance quota of the target vehicle, therefore, the driving data of the target vehicle is stored by the block chain, the integrity of the stored data is improved, and the opening condition of the driving behavior data is generated into the intelligent contract, the data user can obtain the corresponding driving behavior data only when the conditions according with the intelligent contract are met, so that the privacy of the driving behavior data of the vehicle owner is improved. When the subsequent UBI analysis center server analyzes according to the running data on the block chain, the UBI analysis center server can accurately analyze the running data of the target vehicle, can more accurately judge the driving habits of the driver and formulate the corresponding insurance quota for the target vehicle because the data is complete.

The foregoing describes a data processing method in the embodiment of the present application, and please refer to fig. 6 for describing a UBI analysis center server in the embodiment of the present application, where a receiving unit 604 and a decrypting unit 605 are optional units, and an embodiment of the UBI analysis center server in the embodiment of the present application includes:

an obtaining unit 601, configured to obtain driving behavior data of a target vehicle from a node device of a block chain according to an intelligent contract;

a determining unit 602, configured to determine a safety level of the user according to the driving behavior data;

the making unit 603 is configured to make a corresponding insurance amount for the target vehicle according to the security level, where the security level and the insurance amount have a corresponding relationship.

In this embodiment, the intelligent contract includes the opening right and the opening content of the driving behavior data; the obtaining unit 601 is specifically configured to:

submitting a user authorization request message to the node equipment of the block chain;

In this embodiment, the UBI analysis center server further includes:

a receiving unit 604, configured to receive a user authorization message sent by the vehicle-mounted device, where the user authorization message carries a decryption key of the driving behavior data that is distributed by the user to the UBI analysis center server;

The decryption unit 605 is configured to decrypt the driving behavior data with the decryption key to obtain decrypted driving behavior data.

In this embodiment, the process executed by each unit in the UBI analysis center server is similar to the process of the method executed by the UBI analysis center server described in the embodiments shown in fig. 3 and fig. 4, and is not described again here.

In this embodiment of the application, the obtaining unit 601 obtains driving behavior data of a target vehicle from a node device of a block chain according to an intelligent contract, then the determining unit 602 may determine a security level of the user according to the driving behavior data, and then the formulating unit 603 formulates a corresponding insurance value amount for the target vehicle according to the security level, where the security level and the insurance value amount have a corresponding relationship. Therefore, the driving data of the target vehicle is stored through the blockchain, the integrity of the stored data is improved, the open condition of the driving behavior data is generated into an intelligent contract, and the corresponding driving behavior data can be acquired only when the condition according with the intelligent contract is input by the acquisition unit 601, so that the privacy of the driving behavior data of the vehicle owner is improved. The subsequent determining unit 602 determines the security level of the user according to the driving data on the block chain, and since the data is complete, the determining unit 602 can accurately analyze the driving data of the target vehicle, can more accurately determine the driving habits of the driver, and can make a corresponding insurance quota for the target vehicle through the making unit 603.

Referring to fig. 7, an embodiment of the vehicle-mounted device 700 in the embodiment of the present application further includes:

a processor 701, a memory 702, an input-output device 703, and a bus 704;

the processor 701, the memory 702 and the input/output device 703 are respectively connected to the bus 704, and the memory 702 stores computer instructions;

the input/output device 703 is configured to obtain driving data of a target vehicle;

the processor 701 is configured to process the driving data according to a preset rule to obtain driving behavior data of the target vehicle; generating an intelligent contract according to the opening condition of the driving behavior data;

the input/output device 703 is further configured to submit the driving behavior data and the intelligent contract to a node device of the block chain, so that the node device registers the driving behavior data and the intelligent contract in the block chain, which is convenient for the driving behavior insurance UBI analysis center server to obtain the driving behavior data according to the intelligent contract and formulate an insurance limit of the target vehicle.

In a possible implementation manner, the processor 701 is specifically configured to:

encrypting the driving data through an encryption algorithm to obtain encrypted driving data; and signing the encrypted running data through a preset digital certificate to obtain the driving behavior data of the target vehicle, wherein the digital certificate is issued by a blockchain digital certification center when the vehicle-mounted equipment registers to a blockchain and is stored in the vehicle-mounted equipment.

In another possible implementation manner, the intelligent contract includes the open right and the open content of the driving behavior data, and the intelligent contract is used for indicating that the UBI analysis center server is allowed to acquire the open content of the driving behavior data from the node device of the block chain when the user authorization request message submitted by the UBI analysis center server is matched with the intelligent contract.

In another possible implementation manner, the input/output device 703 is further configured to:

receiving a user authorization request message of the UBI analysis center server, wherein the user authorization request message is used for indicating the UBI analysis center server to request to acquire the driving data of the target vehicle; and sending a user authorization message to the UBI analysis center server, wherein the user authorization message carries a decryption key of the driving behavior data distributed by the user for the UBI analysis center server.

Referring to fig. 8, an embodiment of a UBI analysis center server 800 in the embodiment of the present application further includes:

the UBI analysis center server 800 may have a large difference due to different configurations or performances, and may include one or more Central Processing Units (CPUs) 801 (e.g., one or more processors) and a memory 805, where one or more applications or data are stored in the memory 805.

Memory 805 may be volatile storage or persistent storage, among others. The program stored in the memory 805 may include one or more modules, each of which may include a sequence of instructions for operating on the server. Still further, the central processor 801 may be configured to communicate with the memory 805 to execute a series of instruction operations in the memory 805 on the server 800.

The server 800 may also include one or more power supplies 802, one or more wired or wireless network interfaces 803, one or more input-output interfaces 804, and/or one or more operating systems, such as Windows Server, Mac OS XTM, UnixTM, LinuxTM, FreeBSDTM, and the like.

The process executed by the central processing unit 801 in the UBI analysis center server 800 in this embodiment is similar to the process of the UBI analysis center server method described in the embodiment shown in fig. 3 and fig. 4, and is not repeated here.

It is clear to those skilled in the art that, for convenience and brevity of description, the specific working processes of the above-described systems, apparatuses and units may refer to the corresponding processes in the foregoing method embodiments, and are not described herein again.

In the several embodiments provided in the present application, it should be understood that the disclosed system, apparatus and method may be implemented in other manners. For example, the above-described apparatus embodiments are merely illustrative, and for example, the division of the units is only one logical division, and other divisions may be realized in practice, for example, a plurality of units or components may be combined or integrated into another system, or some features may be omitted, or not executed. In addition, the shown or discussed mutual coupling or direct coupling or communication connection may be an indirect coupling or communication connection through some interfaces, devices or units, and may be in an electrical, mechanical or other form.

The units described as separate parts may or may not be physically separate, and parts displayed as units may or may not be physical units, may be located in one place, or may be distributed on a plurality of network units. Some or all of the units can be selected according to actual needs to achieve the purpose of the solution of the embodiment.

In addition, functional units in the embodiments of the present application may be integrated into one processing unit, or each unit may exist alone physically, or two or more units are integrated into one unit. The integrated unit can be realized in a form of hardware, and can also be realized in a form of a software functional unit.

The integrated unit, if implemented in the form of a software functional unit and sold or used as a stand-alone product, may be stored in a computer readable storage medium. Based on such understanding, the technical solution of the present application may be substantially implemented or contributed to by the prior art, or all or part of the technical solution may be embodied in a software product, which is stored in a storage medium and includes instructions for causing a computer device (which may be a personal computer, a server, or a network device) to execute all or part of the steps of the method according to the embodiments of the present application. And the aforementioned storage medium includes: a U-disk, a removable hard disk, a Read-Only Memory (ROM), a Random Access Memory (RAM), a magnetic disk or an optical disk, and other various media capable of storing program codes.

The above embodiments are only used for illustrating the technical solutions of the present application, and not for limiting the same; although the present application has been described in detail with reference to the foregoing embodiments, it should be understood by those of ordinary skill in the art that: the technical solutions described in the foregoing embodiments may still be modified, or some technical features may be equivalently replaced; and such modifications or substitutions do not depart from the spirit and scope of the corresponding technical solutions in the embodiments of the present application.

Claims

1. A data processing method is characterized by being applied to vehicle-mounted equipment, and comprises the following steps:

acquiring running data of a target vehicle;

processing the driving data according to a preset rule to obtain driving behavior data of the target vehicle, which specifically comprises the following steps: the driving data are encrypted according to a random number locally generated by the vehicle-mounted equipment and then uploaded to the node equipment of the block chain; signing the encrypted running data through a preset digital certificate to obtain driving behavior data of the target vehicle, wherein the digital certificate is issued by a blockchain digital authentication center when the vehicle-mounted equipment registers to a blockchain and is stored in the vehicle-mounted equipment;

generating an intelligent contract according to the opening condition of the driving behavior data; the opening condition of the driving behavior data is set according to the will of the vehicle owner, and comprises a password or a verification code; the intelligent contract comprises the open authority and the open content of the driving behavior data;

and submitting the driving behavior data and the intelligent contract to node equipment of a block chain so that the node equipment registers the driving behavior data and the intelligent contract in the block chain, and a UBI analysis center server can conveniently acquire the driving behavior data according to the intelligent contract and formulate the insurance limit of the target vehicle.

2. The method of claim 1, wherein the intelligent contract is used to indicate that the UBI analysis center server is allowed to obtain open content of the driving behavior data from node devices of the blockchain when a user authorization request message submitted by the UBI analysis center server matches the intelligent contract.

3. The method of claim 2, wherein after the submitting the driving behavior data and the smart contract to a node device of a blockchain, the method further comprises:

and sending a user authorization message to the UBI analysis center server, wherein the user authorization message carries a decryption key of the driving behavior data distributed to the UBI analysis center server by the vehicle-mounted equipment.

4. A data processing method is applied to a UBI analysis center server, and the method comprises the following steps:

acquiring driving behavior data of a target vehicle from node equipment of a block chain according to an intelligent contract; the intelligent contract comprises the open authority and the open content of the driving behavior data; the driving behavior data of the target vehicle of the node equipment of the block chain is obtained by encrypting the driving data according to the random number locally generated by the vehicle-mounted equipment, uploading the encrypted driving data to the node equipment of the block chain and signing the encrypted driving data through a preset digital certificate; the digital certificate is issued by a blockchain digital certificate authority when the vehicle-mounted equipment registers to a blockchain and is stored in the vehicle-mounted equipment;

5. The method of claim 4, wherein the smart contract comprises open rights and open content for the driving behavior data; the acquiring of the driving behavior data of the target vehicle from the node device of the block chain according to the intelligent contract specifically includes:

6. The method of claim 4, wherein prior to determining the safety level of the user from the driving behavior data, the method further comprises:

7. An in-vehicle apparatus characterized by comprising:

an acquisition unit configured to acquire travel data of a target vehicle;

the generating unit is used for generating an intelligent contract according to the opening condition of the driving behavior data; the opening condition of the driving behavior data is set according to the will of the vehicle owner, and comprises a password or a verification code; the intelligent contract comprises the open authority and the open content of the driving behavior data;

the submitting unit is used for submitting the driving behavior data and the intelligent contract to node equipment of a block chain so that the node equipment registers the driving behavior data and the intelligent contract in the block chain, and a driving behavior insurance UBI analysis center server can conveniently acquire the driving behavior data according to the intelligent contract and formulate the insurance amount of the target vehicle;

the processing unit is specifically configured to: the driving data are encrypted according to a random number locally generated by the vehicle-mounted equipment and then uploaded to the node equipment of the block chain; and signing the encrypted running data through a preset digital certificate to obtain the driving behavior data of the target vehicle, wherein the digital certificate is issued by a block chain digital authentication center when the vehicle-mounted equipment registers to a block chain and is stored in the vehicle-mounted equipment.

8. The vehicle-mounted device of claim 7, wherein the intelligent contract is configured to indicate that the UBI analysis center server is allowed to obtain open content of the driving behavior data from the node devices of the block chain when the user authorization request message submitted by the UBI analysis center server matches the intelligent contract.

9. The vehicle-mounted apparatus according to claim 8, characterized by further comprising:

10. A UBI analysis center server, characterized in that the UBI analysis center server comprises:

the acquisition unit is used for acquiring the driving behavior data of the target vehicle from the node equipment of the block chain according to the intelligent contract; the intelligent contract comprises the open authority and the open content of the driving behavior data; the driving behavior data of the target vehicle of the node equipment of the block chain is obtained by encrypting the driving data according to the random number locally generated by the vehicle-mounted equipment, uploading the encrypted driving data to the node equipment of the block chain and signing the encrypted driving data through a preset digital certificate; the digital certificate is issued by a blockchain digital certificate authority when the vehicle-mounted equipment registers to a blockchain and is stored in the vehicle-mounted equipment;

The determining unit is used for determining the safety level of the user according to the driving behavior data;

11. The UBI analysis center server according to claim 10, characterized in that the smart contracts include open rights and open content of the driving behavior data; the obtaining unit is specifically configured to:

12. The UBI analysis center server according to claim 11, characterized in that it further comprises: