CN115204976A

CN115204976A - Vehicle leasing method and device based on block chain

Info

Publication number: CN115204976A
Application number: CN202210830315.3A
Authority: CN
Inventors: 晏焱
Original assignee: Bank of China Ltd
Current assignee: Bank of China Ltd
Priority date: 2022-07-15
Filing date: 2022-07-15
Publication date: 2022-10-18

Abstract

The invention discloses a vehicle leasing method and a device based on a block chain, which relate to the technical field of the block chain, and the method comprises the following steps: receiving a vehicle renting request of a target renting user; determining a target user level of a target tenant user from the first block chain; determining the vehicle grade of each vehicle to be leased from the second zone chain according to the acquired license plate information of the vehicle to be leased currently in the parking lot; determining the vehicle to be leased with the vehicle grade less than or equal to the grade of the target user as a leaseable vehicle of the target lessee user; receiving the rented vehicles fed back by the target rented users according to the notification information; and continuously acquiring the running monitoring information of the rented vehicle, and carrying out fee deduction processing and target user level adjustment processing on the target rented user. The invention can improve the convenience of both sides of the vehicle rental in the vehicle rental process, improve the vehicle rental efficiency and ensure the safety of the rental process.

Description

Vehicle leasing method and device based on block chain

Technical Field

The invention relates to the technical field of block chains, in particular to a vehicle leasing method and device based on block chains.

Background

This section is intended to provide a background or context to the embodiments of the invention that are recited in the claims. The description herein is not admitted to be prior art by inclusion in this section.

With the development of society, more and more people buy the car to be convenient for going out, most of people only use for commuting on duty and off duty after buying the car, the rest time is idle, the car is bought near to work, even the car does not need to be driven for a while, the economic income is increased by the car, the car can only be driven off duty or on weekend, a large amount of time and energy are needed to be invested, and the method is not suitable for most of working families. Therefore, the user often rents out cars to increase revenue.

At present, automobile renting on the market is controlled by a third party, when a user needs to rent an automobile, the third party is found for renting, the automobile can be found for renting, along with technological progress, under the condition that the shared economy is prevalent, the automobile renting mode representing the third party has no advantages, for the user, the automobile renting mode through the third party cannot accurately know the automobile condition, the renting cost is additionally increased, the ratio of the automobile renting dissatisfaction is higher and higher, and the user requirement cannot be met.

Disclosure of Invention

The embodiment of the invention provides a vehicle leasing method based on a block chain, which is used for improving the convenience of vehicle leasing to both sides of the vehicle leasing, effectively saving the consumption of both sides of the leasing on a third-party leasing platform, improving the efficiency of the vehicle leasing and ensuring the safety of the leasing process, and comprises the following steps:

receiving a vehicle renting request of a target renting user; the vehicle renting request carries the identity information of a target renting user; determining a target user level of a target tenant user from the first block chain; each node in the first blockchain has stored thereon: the user level of the corresponding lessee of the node;

determining the vehicle grade of each vehicle to be leased from the second zone chain according to the acquired license plate information of the vehicle to be leased currently in the parking lot; each node in the second blockchain has stored thereon: the vehicle grade of the corresponding vehicle renting user of the node;

determining the vehicle to be leased with the vehicle grade less than or equal to the grade of the target user as a leaseable vehicle of the target lessee user; sending notification information carrying vehicle information of the rentable vehicle to a target rentable user;

receiving the rented vehicles fed back by the target rented users according to the notification information; continuously acquiring running monitoring information of the rented vehicle after confirming that a target rented user rents the rented vehicle; the driving monitoring information comprises driving duration, driving routes and driving faults;

and according to the driving monitoring information, carrying out fee deduction processing and target user level adjustment processing on the target lessee users.

The embodiment of the invention also provides a vehicle leasing device based on the block chain, which is used for improving the convenience of vehicle leasing to both sides of the vehicle leasing, effectively saving the consumption of both sides of the vehicle leasing on a third-party leasing platform, improving the efficiency of the vehicle leasing and ensuring the safety of the leasing process, and the device comprises:

the vehicle renting request receiving module is used for receiving a vehicle renting request of a target renting user; the vehicle renting request carries the identity information of a target renting user; determining a target user level of a target tenant user from the first block chain; each node in the first blockchain stores: the user level of the corresponding lessee of the node;

the vehicle grade determining module is used for determining the vehicle grade of each vehicle to be rented from the second zone chain according to the acquired license plate information of the vehicle to be rented currently in the parking lot; each node in the second blockchain has stored thereon: the vehicle grade of the corresponding vehicle renting user of the node;

the rentable vehicle determining module is used for determining the vehicles to be rented with the vehicle grade less than or equal to the grade of the target user as rentable vehicles of the target rentable user; sending notification information carrying vehicle information of the rentable vehicle to a target rentable user;

the driving monitoring module is used for receiving the rented vehicles fed back by the target rented users according to the notification information; continuously acquiring running monitoring information of the rented vehicle after confirming that a target rented user rents the rented vehicle; the driving monitoring information comprises driving duration, driving routes and driving faults;

and the processing module is used for carrying out fee deduction processing and target user level adjustment processing on the target lessee according to the driving monitoring information.

The embodiment of the invention also provides computer equipment, which comprises a memory, a processor and a computer program which is stored on the memory and can run on the processor, wherein the processor executes the computer program to realize the vehicle leasing method based on the block chain.

The embodiment of the invention also provides a computer readable storage medium, which stores a computer program, and the computer program is executed by a processor to realize the vehicle leasing method based on the block chain.

An embodiment of the present invention further provides a computer program product, where the computer program product includes a computer program, and when the computer program is executed by a processor, the above vehicle leasing method based on a block chain is implemented.

In the embodiment of the invention, a vehicle renting request of a target renting user is received; the vehicle renting request carries the identity information of a target renting user; determining a target user level of a target tenant user from the first block chain; each node in the first blockchain has stored thereon: the user level of the corresponding lessee of the node; determining the vehicle grade of each vehicle to be leased from the second zone chain according to the acquired license plate information of the vehicle to be leased currently in the parking lot; each node in the second blockchain has stored thereon: the vehicle grade of the corresponding vehicle renting user of the node; determining the vehicle to be leased with the vehicle grade less than or equal to the grade of the target user as a leaseable vehicle of the target lessee user; sending notification information carrying vehicle information of the rentable vehicle to a target rentable user; receiving the rented vehicles fed back by the target rented users according to the notification information; continuously acquiring running monitoring information of the rented vehicle after confirming that a target rented user rents the rented vehicle; the driving monitoring information comprises driving duration, driving routes and driving faults; according to the driving monitoring information, fee deduction processing and target user grade adjustment processing are carried out on the target renter, and compared with the technical scheme that vehicle renting needs to be carried out by means of a third party in the prior art, correlation between the vehicle grade and the target user grade can be achieved, so that a vehicle matching the target user grade is determined, a vehicle suitable for the target renter can be recommended to the target renter, and convenience of the vehicle renter to two vehicle renters is improved; meanwhile, the two sides of the vehicle rental can realize the vehicle rental without a third party, so that the consumption of the two sides of the vehicle rental by the third party can be effectively saved, and money is saved; and by means of the block chain technology, the automobile leasing efficiency is improved, and meanwhile, the safety of the leasing process can be ensured.

Drawings

In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the embodiments or the prior art descriptions will be briefly described below, it is obvious that the drawings in the following description are only some embodiments of the present invention, and other drawings can be obtained by those skilled in the art without creative efforts. In the drawings:

FIG. 1 is a schematic flowchart of a vehicle leasing method based on a block chain according to an embodiment of the present invention;

FIG. 2 is a diagram illustrating an exemplary method for leasing a vehicle based on a block chain according to an embodiment of the present invention;

FIG. 3 is a diagram illustrating an exemplary method for leasing a vehicle based on a block chain according to an embodiment of the present invention;

FIG. 4 is a diagram illustrating an exemplary method for leasing a vehicle based on a block chain according to an embodiment of the present invention;

FIG. 5 is a schematic structural diagram of a vehicle rental apparatus based on a block chain according to an embodiment of the present invention;

FIG. 6 is a diagram illustrating an exemplary embodiment of a vehicle rental apparatus based on a blockchain according to the present invention;

FIG. 7 is a diagram of an exemplary embodiment of a vehicle rental apparatus based on block chains;

FIG. 8 is a diagram of an exemplary embodiment of a vehicle rental apparatus based on block chains;

FIG. 9 is a diagram illustrating an exemplary embodiment of a vehicle rental apparatus based on a blockchain according to the present invention;

FIG. 10 is a diagram of a computer device for block chain based vehicle rental in an embodiment of the invention.

Detailed Description

In order to make the objects, technical solutions and advantages of the embodiments of the present invention more apparent, the embodiments of the present invention are further described in detail below with reference to the accompanying drawings. The exemplary embodiments and descriptions of the present invention are provided to explain the present invention, but not to limit the present invention.

The term "and/or" herein merely describes an associative relationship, meaning that three relationships may exist, e.g., a and/or B, may mean: a exists alone, A and B exist simultaneously, and B exists alone. In addition, the term "at least one" herein means any one of a plurality or any combination of at least two of a plurality, for example, including at least one of a, B, and C, and may mean including any one or more elements selected from the group consisting of a, B, and C.

In the description of the present specification, the terms "comprising," "including," "having," "containing," and the like are used in an open-ended fashion, i.e., to mean including, but not limited to. Reference to the description of the terms "one embodiment," "a particular embodiment," "some embodiments," "for example," etc., means that a particular feature, structure, or characteristic described in connection with the embodiment or example is included in at least one embodiment or example of the application. In this specification, the schematic representations of the terms used above do not necessarily refer to the same embodiment or example. Furthermore, the particular features, structures, or characteristics described may be combined in any suitable manner in any one or more embodiments or examples. The sequence of steps involved in the various embodiments is provided to illustrate the practice of the present application, and the sequence of steps is not limited thereto and can be adjusted as needed.

According to the technical scheme, the data acquisition, storage, use, processing and the like meet relevant regulations of national laws and regulations.

At present, automobile leasing on the market is mostly controlled by a third party, when a user needs to rent an automobile, the third party is found for leasing, the automobile can be found for leasing, along with technological progress, under the condition that the shared economy is prevalent, the automobile leasing mode representing the third party has no advantages, for the user, the automobile can not be accurately known through the third party, the leasing cost is additionally increased, the unsatisfactory automobile leasing rate is higher and higher, and the user demand cannot be met.

In order to solve the above problems, an embodiment of the present invention provides a vehicle leasing method based on a block chain, so as to improve convenience of vehicle leasing to both sides of the vehicle leasing, effectively save consumption of both sides of the leasing on a third-party leasing platform, improve vehicle leasing efficiency, and ensure safety of a leasing process, and referring to fig. 1, the method may include:

step 101: receiving a vehicle renting request of a target renting user; the vehicle renting request carries the identity information of a target renting user; determining a target user level of a target tenant user from the first block chain; each node in the first blockchain stores: the user level of the corresponding lessee of the node;

step 102: determining a vehicle grade of each vehicle to be leased from a second block chain according to the acquired license plate information of the current vehicle to be leased in the parking lot; each node in the second blockchain stores: the vehicle grade of the corresponding vehicle renting user of the node;

step 103: determining the vehicle to be leased with the vehicle grade less than or equal to the grade of the target user as a leaseable vehicle of the target lessee user; sending notification information carrying the vehicle information of the rentable vehicle to a target rentable user;

step 104: receiving the rented vehicles fed back by the target rented users according to the notification information; continuously acquiring the running monitoring information of the rented vehicle after confirming that the target rented user rents the rented vehicle; the running monitoring information comprises running duration, running routes and running faults;

step 105: and according to the driving monitoring information, carrying out fee deduction processing and target user level adjustment processing on the target lessee.

In the embodiment of the invention, a vehicle renting request of a target renting user is received; the vehicle renting request carries the identity information of a target renting user; determining a target user level of a target tenant user from the first block chain; each node in the first blockchain stores: the user level of the corresponding lessee of the node; determining the vehicle grade of each vehicle to be leased from the second zone chain according to the acquired license plate information of the vehicle to be leased currently in the parking lot; each node in the second blockchain stores: the vehicle grade of the corresponding vehicle renting user is calculated; determining a vehicle to be leased with a vehicle grade less than or equal to a target user grade as a rentable vehicle of a target lessee user; sending notification information carrying the vehicle information of the rentable vehicle to a target rentable user; receiving the rented vehicles fed back by the target rented users according to the notification information; continuously acquiring the running monitoring information of the rented vehicle after confirming that the target rented user rents the rented vehicle; the running monitoring information comprises running duration, running routes and running faults; according to the driving monitoring information, fee deduction processing and target user grade adjustment processing are carried out on the target renter, and compared with the technical scheme that vehicle renting needs to be carried out by means of a third party in the prior art, correlation between the vehicle grade and the target user grade can be achieved, so that a vehicle matching the target user grade is determined, a vehicle suitable for the target renter can be recommended to the target renter, and convenience of the vehicle renter to two vehicle renters is improved; meanwhile, the two vehicle leasing parties can realize vehicle leasing without a third party, so that the consumption of the two vehicle leasing parties in the third party can be effectively saved, and money is saved; and by means of the block chain technology, the automobile leasing efficiency is improved, and meanwhile, the safety of the leasing process can be ensured.

When the method is specifically implemented, firstly, a vehicle renting request of a target renting user is received; the vehicle renting request carries the identity information of a target renting user; determining a target user level of a target tenant user from the first block chain; each node in the first blockchain stores: the node corresponds to the user level of the tenant user.

In the above embodiment, the vehicle renting request of the target renter may be received first, and the target user level of the target renter may be determined according to the user levels of the corresponding renters stored in different nodes in the first block chain, which is helpful for recommending vehicles of the vehicle level associated with the target user level for the target renter in subsequent steps.

In an embodiment, as shown in fig. 2, the method may further include: the first blockchain is established as follows:

step 201: for each lessee, grading the lessee according to the user information, credit investigation information and vehicle using information of the lessee to obtain the user grade corresponding to the lessee;

step 202: and uploading the user level of each lessee to a node corresponding to the lessee in the first block chain.

In the above embodiment, the user level corresponding to the tenant user is obtained by classifying the tenant user according to the user information, credit investigation information and car use information of the tenant user, and classification of different tenant users can be realized.

As an example, the bank system establishes a block chain for all users who have a vehicle demand (e.g. users, i.e. renters, the following steps), and each node records information of the users, which may include: the user's identification card number, mobile phone number, bank card number, driving license, credit investigation information, vehicle credit using situation, etc.

In one embodiment, the first blockchain may further include a first bank node; the first bank node is used for verifying credit investigation information of different renter users in the first block chain;

for each lessee, grading the lessee according to the user information, credit investigation information and vehicle utilization information of the lessee to obtain a user grade corresponding to the lessee, which may include:

aiming at each lessee user, receiving a result of credit investigation information verification of the lessee user by the first bank node; and after the result shows that the credit investigation information verification of the lessee is passed, grading the lessee according to the user information, the credit investigation information and the vehicle using information of the lessee to obtain the user grade corresponding to the lessee.

For example, a bank system needs to verify the identity information and credit investigation information of a user before the user uses the user to uplink, the user only uses the user with real information and good credit investigation level can uplink, and the user using the user to uplink for the first time has a credit investigation rating of 100, a highest credit investigation rating of 400 and a lowest credit investigation rating of 0.

In specific implementation, after the target user level of a target lessee user is determined from the first zone chain, the vehicle level of each vehicle to be lessoned is determined from the second zone chain according to the acquired license plate information of the current vehicle to be lessoned in the parking lot; each node in the second blockchain stores: the node corresponds to a vehicle class of a vehicle rental user.

In the above embodiment, each node from the second blockchain may store, according to the acquired license plate information of the vehicle to be leased currently in the parking lot: the vehicle grade of each vehicle to be rented is determined in the vehicle grades of the vehicle renters corresponding to the node, and the safety of the renting process can be guaranteed while the vehicle renting efficiency is improved by means of a block chain technology.

In an embodiment, as shown in fig. 3, the method may further include: the second blockchain is established as follows:

step 301: according to the user information, the vehicle information and the credit investigation information of each vehicle renter, grading the vehicles of the vehicle renters to obtain the vehicle grade of the vehicle corresponding to the vehicle renters;

step 302: and uploading the vehicle grade of each vehicle renting user to a node corresponding to the vehicle renting user in the second block chain.

As an example, the bank system establishes a blockchain for all users (such as a renter, i.e. a vehicle renter, the following same works) having shared renting cars, where the blockchain records users who want to share and rent own named cars, and each node on the blockchain records information of the users, which may include: the user's identification card number, cell-phone number, bank card number, driving license, the card of traveling, the car hiring condition etc. treat the vehicle information of hiring: frame number, vehicle brand, vehicle model, purchase date, purchase price, insurance, time of use, mileage, etc.

In one embodiment, the second blockchain may further include a second bank node; the second bank node is used for verifying credit investigation information of different vehicle renting users in the second block chain;

for each vehicle renter, according to the user information, the vehicle condition information and the credit investigation information of the vehicle renter, the vehicle of the vehicle renter is graded to obtain the vehicle grade of the vehicle corresponding to the vehicle renter, which may include:

receiving a result of credit investigation information verification of the vehicle renting user by the second bank node aiming at each vehicle renting user; and after the result shows that the credit investigation information verification carried out on the vehicle renter passes, grading the vehicle of the vehicle renter according to the user information, the vehicle condition information and the credit investigation information of the vehicle renter to obtain the vehicle grade of the vehicle corresponding to the vehicle renter.

In a specific embodiment, as shown in fig. 4, the method may further include:

step 401: according to the user information, the vehicle condition information and the credit investigation information of each vehicle renter, grading the vehicle renting price of the vehicle renters to obtain the vehicle renting price grade of the vehicle corresponding to the vehicle renters;

step 402: and uploading the vehicle rental price grade of each vehicle rental user to a node corresponding to the vehicle rental user in the second block chain.

In one embodiment, the vehicle information of the rentable vehicle includes: one or any combination of the vehicle condition information, the rentable time period of the vehicle, the rental price level of the vehicle and the deposit information.

For an example, before a renter links a chain, the renter needs to verify user information, vehicle information and credit investigation information, the information is verified by a bank, the information is real, the user with good credit investigation records can link the chain, after the chain is linked, the bank needs to actually verify the vehicle condition of the user, and the vehicle leasing price and the vehicle grade of the vehicle are evaluated, which can be shown as follows:

first-stage: the lease price is 100 yuan per hour (or 60 km), and the passenger using credit score is more than 300 points.

And (2) second stage: rental price of 70 dollars per hour (or 60 kilometers), car usage, and car usage credit score >200 cents.

Third-stage: the lease price is 50 yuan per hour (or 60 km), and the passenger using credit score is more than 100 points.

And (4) fourth stage: the lease price is 40 yuan per hour (or 60 kilometers), and the credit score of the car using is more than 60 points.

In one embodiment, the method may further include:

recording parking information of a vehicle renting user after the vehicle renting user parks the vehicle in a parking lot;

uploading the recorded parking information of the vehicle renting user vehicle to a second block chain; and updates information on the vehicle to be leased currently in the parking lot.

As an example, after a renter drives a vehicle into a special car renting parking lot, the renter can set the idle renting time of the vehicle through a mobile phone bank, such as: the rentable time during the working period is 9-18. And the key is handed to a vehicle manager in the parking lot, the high-definition video equipment in the parking lot takes 360-degree panoramic pictures of the internal and external information of the vehicle, then the nodes of the renters are found through the license plate number and the frame number, the vehicle conditions (mainly videos and pictures) at the current time point are recorded, and the information of the vehicles at the nodes is updated to be rentable.

In specific implementation, after the vehicle grade of each vehicle to be rented is determined from the second zone chain according to the acquired license plate information of the current vehicle to be rented in the parking lot, determining the vehicle to be rented with the vehicle grade less than or equal to the grade of the target user as a rentable vehicle of the target lessee user; and sending notification information carrying the vehicle information of the rentable vehicle to a target rentable user.

In the embodiment, after entering a special parking lot, a target lessee can receive and check the notification information through a mobile phone bank, so that a lessee vehicle is determined according to the notification information, the notification information only carries rentable vehicles of the target lessee, a user can only check vehicles meeting the current vehicle using information level, and when the user checks the condition of the vehicle to be rented, the vehicle condition, the rentable time of the vehicle, the deposit payment and the purchase of one-time insurance can be realized, and then a manager can be found to receive the vehicle key.

In specific implementation, after notification information carrying the vehicle information of the rentable vehicle is sent to a target rentable user, the rentable vehicle fed back by the target rentable user according to the notification information is received; continuously acquiring the running monitoring information of the rented vehicle after confirming that the target rented user rents the rented vehicle; the driving monitoring information includes driving time length, driving route and driving fault.

In an embodiment, the rental vehicle is configured to:

recording the running time, the running route and the running fault of a target lessee user in driving a lessee vehicle to obtain the running monitoring information of the lessee vehicle;

and sending the running monitoring information of the rented vehicles based on the 5G technology.

In specific implementation, after the driving monitoring information of the rented vehicle is continuously acquired, fee deduction processing and target user grade adjustment processing are carried out on the target rented user according to the driving monitoring information.

In an embodiment of the present invention,

in one embodiment, the processing of deducting fees and adjusting the level of the target user for the target tenant according to the driving monitoring information may include:

when a traffic accident occurs to the vehicle, when the lessee user is determined to be the responsible party of the traffic accident according to the running monitoring information, fee deduction processing of the amount corresponding to the severity of the traffic accident is carried out on the target lessee user; and performing degradation processing of a target user level corresponding to the severity of the traffic accident on the target lessee users.

In an example, a vehicle 360-degree panoramic camera is used for recording vehicle running information and vehicle internal conditions when a user uses the vehicle, and the vehicle running information and the vehicle internal conditions are uploaded to a bank background data system through a 5G network, and the bank system monitors whether the vehicle exceeds a running range set by the user through an accessed 5G network base station while recording the vehicle running data. The loss of the vehicle user caused by traffic accidents in the using process of the vehicle is borne by the one-time insurance bought in advance, the bank of the vehicle loss caused by non-traffic accidents judges the responsibility through the image system, and if the responsibility is the vehicle user, the vehicle user compensates the economic loss.

In one embodiment, the processing of deducting fees and adjusting the level of the target user for the target lessee according to the driving monitoring information may include:

and when determining that the running time exceeds the preset time and/or the running route exceeds the preset geographical range according to the running monitoring information, sending alarm information carrying abnormal behaviors of driving the rented vehicle to the target rented user, and carrying out corresponding fee deduction processing and corresponding degradation processing of the grade of the target user on the target rented user.

For example, if a user overtimes or exceeds an appointed use area in the process of using a vehicle, a bank background system prompts the user by a 5G telephone, the user receives the telephone and corrects the telephone in time, the violation condition is lightened (for example, only 10 minutes overtime exists), the user only needs to pay the exceeding cost 2 times after returning the vehicle, the credit score of the user is subtracted by 20 minutes, if the user refuses communication or the communication is not corrected, the user returns the vehicle and then pays the use cost 3 times, the credit score of the user is subtracted by 400 minutes, and the bank can directly give an alarm and influence the credit record according to serious cleaning conditions (for example, 12 hours overtime or the driving away from the appointed range exceeds 60 kilometers).

and when determining that the target lessee user drives the lessee vehicle according to the driving monitoring information, carrying out corresponding fee deduction processing and corresponding upgrading processing of the grade of the target user on the target lessee user.

For example, if a user returns the vehicle normally and no loss is caused to the vehicle, the user can add 10 points to the credit points of the user.

In specific implementation, the method further comprises:

receiving a vehicle renewal request of a target renter; the vehicle renewal request carries the renewal duration and the renewal period driving route of the target renter for the rented vehicle;

acquiring a user contact mode of a vehicle renting user from a node of the vehicle renting user corresponding to the vehicle renting in the second block chain;

sending a vehicle renting request to a vehicle renting user through the user contact way;

receiving feedback information of a vehicle renting user;

and when the feedback information represents that the vehicle renting user approves the vehicle renting request, sending notification information that the vehicle renting request passes to a target renting user.

In specific implementation, the method further comprises:

continuously acquiring the vehicle body monitoring information of the rented vehicle;

and when the vehicle body monitoring information is analyzed to find that the vehicle body of the rented vehicle is abnormal, sending alarm information of the abnormal vehicle body.

A specific embodiment is given below to illustrate a specific application of the method of the present invention, and in this embodiment, the following steps may be included:

1. the bank system establishes a block chain for all users (namely, renters) with shared renting cars, the block chain records users who want to share renting cars under their names, and each node on the block chain records the information of the users, and the method comprises the following steps: the user's identification card number, cell-phone number, bank card number, driving license, the card of traveling, the car hiring condition etc. treat the vehicle information of hiring: frame number, vehicle brand, vehicle model, purchase date, purchase price, insurance, time of use, mileage, etc. Before a renter links the chain, the user information, the vehicle information and the credit investigation information need to be checked by a bank, the information is real, the user with good credit investigation record can link the chain, after the chain is linked, the bank needs to actually check the vehicle condition of the user, and the rental price and the grade of the vehicle are evaluated as follows:

first-stage: the lease price per hour (or 60 kilometers) is 100 yuan, the total value of the vehicles is 25-50 ten thousand yuan, the prices of the vehicles are in the range of users, and the credit score of the vehicles is more than 300 points.

And (2) second stage: the lease price per hour (or 60 kilometers) is 70 yuan, the total value of the vehicle is between 15 and 25 ten thousand yuan, and the credit score of the vehicle using of the vehicle user is more than 200 points.

Third stage: the lease price per hour (or 60 kilometers) is 50 yuan, the total value of the vehicle is between 7 and 15 ten thousand yuan, and the credit score of the driver and the vehicle is more than 100 points.

Four stages: the lease price per hour (or 60 kilometers) is 40 yuan, the total value of the vehicle is between 5 and 7 ten thousand yuan, and the credit score of the vehicle using a driver is more than 60 points.

If the credit score of the user exceeds the credit score required by the current rental vehicle by more than 20%, a certain proportion of discounts can be enjoyed, and the more the credit score exceeds, the more discount the 7-fold discount is enjoyed.

2. The bank system establishes a block chain for all users (namely, users) needing the useful vehicles, and each node records the information of the users, and comprises the following steps: user's ID card number, cell phone number, bank card number, driving license, information of credit investigation, vehicle credit using situation, etc. The bank system before the user links the chain needs to verify the identity information and credit investigation information of the user, the user can only link the chain by the user with real information and good credit investigation grade, and the credit investigation grade of the user who initially links the chain is 100 points, the highest 400 points and the lowest 0 point.

3. After a renter drives a vehicle into a special vehicle renting parking lot, the idle vehicle renting time is set through a mobile phone bank, for example: the rentable time during the working period is 9-18, and the allowable use range of the vehicle (such as in the city of Xian) is as follows. And the key is handed to a vehicle manager in the parking lot, the high-definition video equipment in the parking lot takes 360-degree panoramic pictures of the internal and external information of the vehicle, then the nodes of the renters are found through the license plate number and the frame number, the vehicle conditions (mainly videos and pictures) at the current time point are recorded, and the information of the vehicles at the nodes is updated to be rentable.

4. When a user checks the condition of wanting to rent the vehicle, including the vehicle condition and the rentable time of the vehicle, the vehicle is delivered to a deposit, and a manager can be found to obtain a vehicle key after purchasing a one-time insurance.

5. The vehicle running information and the vehicle internal conditions are recorded by a 360-degree panoramic camera of a vehicle when a user uses the vehicle, and are uploaded to a bank background data system through a 5G network, and the bank system records the vehicle running data and monitors whether the vehicle exceeds a running range set by the user through an accessed 5G network base station.

The loss of the vehicle user caused by traffic accidents in the using process of the vehicle is borne by the one-time insurance bought in advance, the bank of the vehicle loss caused by non-traffic accidents judges the responsibility through the image system, and if the responsibility is the vehicle user, the vehicle user compensates the economic loss.

6. When a user uses the vehicle, the user needs to increase the use duration or expand the driving range temporarily, the system needs to be communicated with the vehicle owner in advance, if the vehicle owner agrees, the vehicle using time and the driving range can be modified on the system, and if the vehicle owner does not agree, the user needs to use the vehicle according to the agreement.

7. If the renter plans to cancel the current car renting protocol temporarily, the system can negotiate with the user, if the user agrees, the system modifies the current car renting protocol, and returns the vehicle according to the agreement, and the renter pays a certain economic compensation to the user (determined by the negotiation of the two parties).

8. If the user exceeds the limited driving range or overtime exists in the process of using the vehicle, and the owner does not require to agree to adjust the vehicle renting protocol, the backstage system prompts the user by a 5G telephone, the user can correct the call in time after receiving the call and the violation condition is lightened (such as only overtime is 10 minutes or the violation condition exceeds 5 kilometers), the user only needs to pay the excess cost 2 times after returning the vehicle, and the credit score of the user is reduced by 20 minutes, if the user refuses communication or the violation condition is not corrected after communication, the system can limit the speed of the vehicle by 5G information until stopping, and the user is prompted to limit the speed by voice while limiting the speed. After the vehicle is stopped at the speed limit, the system can send out the trailer according to the vehicle position information and pull back the vehicle.

The passenger needs to pay the trailer cost and the related fine cost, and meanwhile, the credit score of the passenger is reduced by 400 points, and the bank can directly give an alarm and influence the credit investigation record according to the severe conditions of the plot (such as overtime of 12 hours, or driving away from the specified range of more than 60 kilometers).

9. When a user stops the vehicle temporarily, the vehicle can ensure that parts of the vehicle are not replaced according to the parking position information and the posture of the vehicle.

Such as: a. the vehicle is positioned to be less than 3 meters away from the automobile repair shop or the vehicle camera shoots that the vehicle enters or stays near the automobile repair shop.

b. The vehicle camera finds that the vehicle attitude changes,

such as the hood being opened, the vehicle tires being lifted off the ground,

The car body is tilted by a jack, and the like.

c. Vehicle cameras present personnel to enter the vehicle chassis.

The vehicle can automatically give an early warning in the above conditions, the current image is transmitted to a system background monitoring system and a vehicle owner, if the condition of stealing or replacing vehicle parts is found, the system directly gives an alarm, fines are carried out according to vehicle loss, meanwhile, credit points of users are deducted according to actual conditions, 400 points can be deducted if the plot is serious, and the information of the users is permanently recorded into a blacklist.

10. When the user returns the vehicle normally and no loss is caused to the vehicle, the user can add 10 points to the credit score of the user.

11. After the renting of the car is finished, a renter can check the special parking station where the car is located at present according to a mobile phone bank, can select to go to the car taking by himself or pay a certain proportion of cost and park the car to a specified parking space by a specially-assigned person, and can enjoy free car taking service once if the car is used frequently (for example, the accumulated use time exceeds 6 hours) during the car renting period of the user.

12. Except for the system blacklist, the car renters and the car users can set the own blacklist to shield the information of the car renters and the car users, and the car renters do not want to rent the car to whom and the car users do not want to rent the car to whom.

Of course, it is understood that other variations of the above detailed flow can be made, and all such variations are intended to fall within the scope of the present invention.

The embodiment of the invention also provides a vehicle leasing device based on the block chain, which is as described in the embodiment below. Because the principle of solving the problems of the device is similar to the block chain-based vehicle leasing method, the implementation of the device can be referred to the implementation of the block chain-based vehicle leasing method, and repeated parts are not described again.

The vehicle leasing device based on the block chain is used for improving the convenience of vehicle leasing to both sides of the vehicle leasing, effectively saving the consumption of both sides of the vehicle leasing on a third-party leasing platform, improving the efficiency of the vehicle leasing and ensuring the safety of the leasing process, and comprises the following components:

a vehicle renting request receiving module 501, configured to receive a vehicle renting request of a target renting user; the vehicle renting request carries the identity information of a target renting user; determining a target user level of a target tenant user from the first block chain; each node in the first blockchain stores: the user level of the corresponding lessee of the node;

a vehicle rank determining module 502, configured to determine, from the second zone chain, a vehicle rank of each vehicle to be rented according to acquired license plate information of a vehicle to be rented currently in the parking lot; each node in the second blockchain stores: the vehicle grade of the corresponding vehicle renting user is calculated;

a rentable vehicle determining module 503, configured to determine a vehicle to be rented, of which the vehicle level is less than or equal to the target user level, as a rentable vehicle of a target tenant user; sending notification information carrying the vehicle information of the rentable vehicle to a target rentable user;

a driving monitoring module 504, configured to receive a vehicle rented by a target renter according to the notification information; continuously acquiring the running monitoring information of the rented vehicle after confirming that the target rented user rents the rented vehicle; the running monitoring information comprises running duration, running routes and running faults;

and the processing module 505 is configured to perform fee deduction processing and target user level adjustment processing on the target tenant user according to the driving monitoring information.

In one embodiment, as shown in fig. 6, the method may further include:

a first blockchain establishing module 601, configured to:

the first blockchain is established as follows:

for each lessee, grading the lessee according to the user information, credit investigation information and vehicle using information of the lessee to obtain the user grade corresponding to the lessee; and uploading the user level of each lessee to the node corresponding to the lessee in the first block chain.

the first blockchain establishing module is specifically configured to:

receiving a result of credit investigation information verification of the first bank node on each lessee user; and after the result shows that the credit investigation information verification carried out on the lessee passes, grading the lessee according to the user information, the credit investigation information and the vehicle using information of the lessee to obtain the user grade corresponding to the lessee.

In one embodiment, as shown in fig. 7, the method may further include:

a second block chain establishing module 701, configured to:

the second blockchain is established as follows:

according to the user information, the vehicle information and the credit investigation information of each vehicle renter, grading the vehicles of the vehicle renters to obtain the vehicle grade of the vehicle corresponding to the vehicle renters; and uploading the vehicle grade of each vehicle renting user to a node corresponding to the vehicle renting user in the second block chain.

a second blockchain establishing module, configured to:

In one embodiment, as shown in fig. 8, the method may further include:

a vehicle rental price grading module 801 for:

according to the user information, the vehicle condition information and the credit investigation information of each vehicle renter, grading the vehicle renting price of the vehicle renters to obtain the vehicle renting price grade of the vehicle corresponding to the vehicle renters; and uploading the vehicle rental price grade of each vehicle rental user to a node corresponding to the vehicle rental user in the second block chain.

In one embodiment, as shown in fig. 9, the method may further include:

a candidate rental vehicle updating module 901 for:

In one embodiment, the rental vehicle is configured to:

In an embodiment, the processing module is specifically configured to:

when a traffic accident occurs to the vehicle, when the lessee user is determined to be the responsible party of the traffic accident according to the running monitoring information, fee deduction processing of the amount corresponding to the severity of the traffic accident is carried out on the target lessee user; and performing degradation processing on the target user level corresponding to the severity of the traffic accident for the target lessee user.

In one embodiment, the processing module is specifically configured to:

and when the running time exceeds the preset time and/or the running route exceeds the preset geographical range according to the running monitoring information, sending alarm information carrying abnormal behaviors of driving the rented vehicle to the target rented user, and carrying out corresponding fee deduction processing and corresponding degradation processing of the target user level on the target rented user.

In one embodiment, the processing module is specifically configured to:

and when determining that the target lessee user drives the lessee vehicle according to the driving monitoring information, carrying out corresponding fee deduction processing and corresponding upgrading processing of the target user level on the target lessee user.

In one embodiment, further comprising:

a vehicle renewal module to:

receiving a vehicle renewal request of a target renter; the vehicle renewal request carries a renewal duration and a renewal period driving route of a target lessee user for the lessee vehicle;

receiving feedback information of a vehicle renting user;

In one embodiment, further comprising:

the vehicle body monitoring module is used for:

An embodiment of the present invention provides a computer device for implementing all or part of contents in the above vehicle rental method based on a block chain, where the computer device specifically includes the following contents:

a processor (processor), a memory (memory), a communication Interface (Communications Interface), and a bus; the processor, the memory and the communication interface complete mutual communication through the bus; the communication interface is used for realizing information transmission between related devices; the computer device may be a desktop computer, a tablet computer, a mobile terminal, and the like, but the embodiment is not limited thereto. In this embodiment, the computer device may be implemented with reference to the embodiment for implementing the method for leasing a vehicle based on a block chain and the embodiment for implementing the device for leasing a vehicle based on a block chain in the embodiments, and the contents thereof are incorporated herein, and repeated descriptions are omitted.

Fig. 10 is a schematic block diagram of a system configuration of a computer apparatus 1000 according to an embodiment of the present application. As shown in fig. 10, the computer apparatus 1000 may include a central processing unit 1001 and a memory 1002; the memory 1002 is coupled to the cpu 1001. Notably, this fig. 10 is exemplary; other types of structures may also be used in addition to or in place of the structure to implement telecommunications or other functions.

In one embodiment, the blockchain based vehicle rental functionality may be integrated into the central processor 1001. The cpu 1001 may be configured to perform the following control:

determining the vehicle grade of each vehicle to be leased from the second zone chain according to the acquired license plate information of the vehicle to be leased currently in the parking lot; each node in the second blockchain stores: the vehicle grade of the corresponding vehicle renting user of the node;

and according to the driving monitoring information, carrying out fee deduction processing and target user grade adjustment processing on the target renter.

In another embodiment, the block chain based vehicle rental device may be configured separately from the cpu 1001, for example, the block chain based vehicle rental device may be configured as a chip connected to the cpu 1001, and the block chain based vehicle rental function is realized by the control of the cpu.

As shown in fig. 10, the computer device 1000 may further include: a communication module 1003, an input unit 1004, an audio processor 1005, a display 1006, a power supply 1007. It is noted that the computer device 1000 does not necessarily include all of the components shown in FIG. 10; furthermore, the computer device 1000 may also comprise components not shown in fig. 10, which can be referred to in the prior art.

As shown in fig. 10, the cpu 1001, which is sometimes referred to as a controller or operation control, may include a microprocessor or other processor device and/or logic device, and the cpu 1001 receives input and controls the operation of the components of the computer device 1000.

The memory 1002 may be, for example, one or more of a buffer, a flash memory, a hard drive, a removable media, a volatile memory, a non-volatile memory, or other suitable device. The information relating to the failure may be stored, and a program for executing the information may be stored. And the cpu 1001 can execute the program stored in the memory 1002 to realize information storage or processing, or the like.

The input unit 1004 provides input to the cpu 1001. The input unit 1004 is, for example, a key or a touch input device. The power supply 1007 is used to supply power to the computer apparatus 1000. The display 1006 displays display objects such as images and characters. The display may be, for example, an LCD display, but is not limited thereto.

The memory 1002 may be a solid state memory such as Read Only Memory (ROM), random Access Memory (RAM), a SIM card, or the like. There may also be a memory that holds information even when power is off, can be selectively erased, and is provided with more data, an example of which is sometimes referred to as an EPROM or the like. The memory 1002 may also be some other type of device. Memory 1002 includes buffer memory 1021 (sometimes referred to as a buffer). The memory 1002 may include an application/function storage 1022, the application/function storage 1022 being used to store application programs and function programs or a flow for executing the operations of the computer device 1000 by the central processing unit 1001.

The memory 1002 may also include a data store 1023, the data store 1023 being used to store data such as contacts, digital data, pictures, sounds and/or any other data used by the computer device. Driver storage 1024 of memory 1002 may include various drivers for the computer device for communication functions and/or for performing other functions of the computer device (e.g., messaging applications, directory applications, etc.).

The communication module 1003 is a transmitter/receiver 1003 that transmits and receives signals via an antenna 1008. The communication module (transmitter/receiver) 1003 is coupled to the cpu 1001 to provide an input signal and receive an output signal, which may be the same as in the case of a conventional mobile communication terminal.

Based on different communication technologies, a plurality of communication modules 1003, such as a cellular network module, a bluetooth module, and/or a wireless local area network module, may be provided in the same computer device. The communication module (transmitter/receiver) 1003 is further coupled via an audio processor 1005 to a speaker 1009 and a microphone 1010 for providing audio output via the speaker 1009 and for receiving audio input from the microphone 1010 for carrying out the usual telecommunications functions. The audio processor 1005 may include any suitable buffers, decoders, amplifiers and so forth. In addition, the audio processor 1005 is also coupled to the central processor 1001, so that sound can be recorded locally through the microphone 1010, and so that locally stored sound can be played through the speaker 1009.

The embodiment of the invention also provides a computer-readable storage medium, which stores a computer program, and when the computer program is executed by a processor, the vehicle leasing method based on the block chain is realized.

An embodiment of the present invention further provides a computer program product, where the computer program product includes a computer program, and when executed by a processor, the computer program implements the above vehicle leasing method based on a block chain.

determining the vehicle grade of each vehicle to be leased from the second zone chain according to the acquired license plate information of the vehicle to be leased currently in the parking lot; each node in the second blockchain has stored thereon: the vehicle grade of the corresponding vehicle renting user is calculated;

determining a vehicle to be leased with a vehicle grade less than or equal to a target user grade as a rentable vehicle of a target lessee user; sending notification information carrying vehicle information of the rentable vehicle to a target rentable user;

As will be appreciated by one skilled in the art, embodiments of the present invention may be provided as a method, system, or computer program product. Accordingly, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present invention may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.

The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.

These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.

These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.

The above-mentioned embodiments are intended to illustrate the objects, technical solutions and advantages of the present invention in further detail, and it should be understood that the above-mentioned embodiments are only exemplary embodiments of the present invention, and are not intended to limit the scope of the present invention, and any modifications, equivalent substitutions, improvements and the like made within the spirit and principle of the present invention should be included in the scope of the present invention.

Claims

1. A vehicle leasing method based on a block chain is characterized by comprising the following steps:

2. The method of claim 1, further comprising:

the first blockchain is established as follows:

for each lessee, grading the lessee according to the user information, credit investigation information and vehicle using information of the lessee to obtain the user grade corresponding to the lessee; and uploading the user level of each lessee to a node corresponding to the lessee in the first block chain.

3. The method of claim 2, wherein the first blockchain further includes a first bank node; the first bank node is used for verifying credit investigation information of different renter users in the first block chain;

for each lessee user, grading the lessee user according to the user information, credit investigation information and vehicle using information of the lessee user to obtain a user grade corresponding to the lessee user, wherein the steps comprise:

receiving a result of credit investigation information verification of the first bank node on each lessee user; and after the result shows that the credit investigation information verification of the lessee is passed, grading the lessee according to the user information, the credit investigation information and the vehicle using information of the lessee to obtain the user grade corresponding to the lessee.

4. The method of claim 1, further comprising:

the second blockchain is established as follows:

according to the user information, the vehicle information and the credit investigation information of each vehicle renting user, grading the vehicles of the vehicle renting users to obtain the vehicle grades of the vehicles corresponding to the vehicle renting users; and uploading the vehicle grade of each vehicle renting user to a node corresponding to the vehicle renting user in the second block chain.

5. The method of claim 4, wherein the second blockchain further includes a second bank node; the second bank node is used for verifying credit investigation information of different vehicle renting users in the second block chain;

according to the user information, the vehicle condition information and the credit investigation information of each vehicle renter, the vehicle of the vehicle renter is graded to obtain the vehicle grade of the vehicle corresponding to the vehicle renter, and the method comprises the following steps:

6. The method of claim 4, further comprising:

7. The method of claim 1, further comprising:

8. The method of claim 1, wherein the vehicle information of the rentable vehicle comprises: one or any combination of the vehicle condition information, the rentable time period of the vehicle, the rental price level of the vehicle and the deposit information.

9. The method of claim 1, wherein the rental vehicle is to:

and sending out the running monitoring information of the rented vehicle based on the 5G technology.

10. The method according to claim 1, wherein the processing of deducting fees and adjusting the level of the target users for the target lessee according to the driving monitoring information comprises:

when a traffic accident occurs to a vehicle, when a lessee user is determined to be a responsible party of the traffic accident according to the running monitoring information, fee deduction processing of money corresponding to the severity of the traffic accident is carried out on a target lessee user; and performing degradation processing on the target user level corresponding to the severity of the traffic accident for the target lessee user.

11. The method according to claim 1, wherein performing a deduction process and an adjustment process of a target user level for a target lessee according to the driving monitoring information comprises:

12. The method according to claim 1, wherein the processing of deducting fees and adjusting the level of the target users for the target lessee according to the driving monitoring information comprises:

13. The method of claim 1, further comprising:

receiving feedback information of a vehicle renting user;

14. The method of claim 1, further comprising:

and when the vehicle body monitoring information is analyzed to find that the vehicle body of the rented vehicle is abnormal, sending out alarm information of the abnormal vehicle body.

15. A vehicle leasing device based on a block chain is characterized by comprising:

the rentable vehicle determining module is used for determining the vehicles to be rented with the vehicle grades less than or equal to the grade of the target user as rentable vehicles of the target rentable user; sending notification information carrying vehicle information of the rentable vehicle to a target rentable user;

16. The apparatus of claim 15, further comprising:

a first blockchain establishing module configured to:

the first blockchain is established as follows:

17. The apparatus of claim 15, wherein the first blockchain further includes a first bank node therein; the first bank node is used for verifying credit investigation information of different renter users in the first block chain;

a first blockchain establishing module, configured to:

18. The apparatus of claim 15, further comprising:

a second blockchain establishing module configured to:

the second blockchain is established as follows:

19. The apparatus of claim 18, wherein a second bank node is further included in the second blockchain; the second bank node is used for verifying credit investigation information of different vehicle renting users in the second block chain;

a second blockchain establishing module, configured to:

aiming at each vehicle renting user, receiving a result of credit investigation information verification of the vehicle renting user by the second bank node; and after the result shows that the credit investigation information verification carried out on the vehicle renter passes, grading the vehicle of the vehicle renter according to the user information, the vehicle condition information and the credit investigation information of the vehicle renter to obtain the vehicle grade of the vehicle corresponding to the vehicle renter.

20. The apparatus of claim 18, further comprising:

a vehicle rental price grading module for:

21. The apparatus as recited in claim 15, further comprising:

a to-be-leased vehicle update module to:

uploading the recorded parking information of the vehicle renting user vehicle to a second block chain; and updates information on a vehicle to be leased currently in the parking lot.

22. The apparatus of claim 15, wherein the vehicle information of the rentable vehicle includes: one or any combination of vehicle condition information, a rentable time period of the vehicle, a rental price level of the vehicle and deposit information.

23. The apparatus of claim 15, wherein the rental vehicle is to:

24. The apparatus of claim 15, wherein the processing module is specifically configured to:

when a traffic accident occurs to a vehicle, when a lessee user is determined to be a responsible party of the traffic accident according to the running monitoring information, fee deduction processing of money corresponding to the severity of the traffic accident is carried out on a target lessee user; and performing degradation processing of a target user level corresponding to the severity of the traffic accident on the target lessee users.

25. The apparatus of claim 15, wherein the processing module is specifically configured to:

26. The apparatus of claim 15, wherein the processing module is specifically configured to:

27. The apparatus as recited in claim 15, further comprising:

a vehicle renewal module to:

acquiring a user contact way of a vehicle renting user from a node of the vehicle renting user corresponding to the vehicle renting of the second block chain;

receiving feedback information of a vehicle renting user;

28. The apparatus as recited in claim 15, further comprising:

a vehicle body monitoring module for:

29. A computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor implements the method of any of claims 1 to 14 when executing the computer program.

30. A computer-readable storage medium, characterized in that the computer-readable storage medium stores a computer program which, when executed by a processor, implements the method of any one of claims 1 to 14.

31. A computer program product, characterized in that the computer program product comprises a computer program which, when being executed by a processor, carries out the method of any one of claims 1 to 14.