Vehicle-mounted system and method for automatically presetting user vehicle personalized configuration

The invention relates to a vehicle-mounted system and method for automatically presetting the user vehicle personalized configuration. By the adoption of the system and method, a handheld device or a wearable device of a user is used as the identity characteristic to be authenticated and matched with the vehicle-mounted system, so that the handheld device or the wearable device is connected with the vehicle-mounted system, then a binding relationship is established between the handheld device or the wearable device and personalized configuration information of a vehicle, and before the user uses the vehicle, the personalized configuration item corresponding to the user is automatically preset in place.