CN106652227B - Intelligent automobile payment system and payment method - Google Patents
Intelligent automobile payment system and payment method Download PDFInfo
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- CN106652227B CN106652227B CN201610895534.4A CN201610895534A CN106652227B CN 106652227 B CN106652227 B CN 106652227B CN 201610895534 A CN201610895534 A CN 201610895534A CN 106652227 B CN106652227 B CN 106652227B
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- G—PHYSICS
- G06—COMPUTING OR CALCULATING; COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/12—Payment architectures specially adapted for electronic shopping systems
- G06Q20/127—Shopping or accessing services according to a time-limitation
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- G—PHYSICS
- G06—COMPUTING OR CALCULATING; COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/327—Short range or proximity payments by means of M-devices
- G06Q20/3278—RFID or NFC payments by means of M-devices
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- G—PHYSICS
- G07—CHECKING-DEVICES
- G07F—COIN-FREED OR LIKE APPARATUS
- G07F17/00—Coin-freed apparatus for hiring articles; Coin-freed facilities or services
- G07F17/0042—Coin-freed apparatus for hiring articles; Coin-freed facilities or services for hiring of objects
- G07F17/0057—Coin-freed apparatus for hiring articles; Coin-freed facilities or services for hiring of objects for the hiring or rent of vehicles, e.g. cars, bicycles or wheelchairs
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Abstract
本发明涉及一种智能汽车支付系统以及支付方法。该方法包括下述步骤：外部的商户向智能汽车发起订单支付请求；车辆终端收到所述订单支付请求后向移动终端请求调取Token，移动终端将包含Token的支付账户信息返回到车辆终端；车辆终端将所述支付账户信息按照规定规范组装成支付信息发送到商户；以及商户按照所述支付信息完成支付处理。根据本发明，能够保证支付的安全性，提高支付的便捷性，同时还能够有效解决车辆消费支付的各类场景需要。
The invention relates to an intelligent automobile payment system and a payment method. The method includes the following steps: an external merchant initiates an order payment request to the smart car; after receiving the order payment request, the vehicle terminal requests a Token from the mobile terminal, and the mobile terminal returns the payment account information including the Token to the vehicle terminal; The vehicle terminal assembles the payment account information into payment information according to a prescribed specification and sends it to the merchant; and the merchant completes payment processing according to the payment information. According to the present invention, the security of payment can be ensured, the convenience of payment can be improved, and at the same time, the needs of various scenarios of vehicle consumption payment can be effectively solved.
Description
Technical Field
The invention relates to a communication technology, in particular to an intelligent automobile payment system and an intelligent automobile payment method based on an intelligent mobile terminal (such as a mobile phone, a tablet computer and other intelligent mobile terminals).
Background
First, a brief description will be given of a vehicle network communication technique (V2X) and an intelligent vehicle terminal technique related to the present invention.
(1) Internet of vehicles communication technology (V2X)
Under the environment of the Internet of vehicles, the vehicles, roads, people, backstage and other information are interacted and shared, so that the vehicles and the infrastructure are intelligently cooperated and matched, an integrated network of intelligent traffic management control, intelligent vehicle control and intelligent dynamic information service is realized, and the Internet of things technology is an extension of the field of intelligent traffic systems. The automobile relies on a novel vehicle-mounted communication technology, has the capability of direct point-to-point communication with the outside, can particularly realize the capability of real-time and low-delay direct communication with roadside units and automobiles, and does not need to be forwarded through a network of a network operator.
(2) Intelligent vehicle terminal technology
Possess the unified management to on-vehicle all kinds of sensor device, car control ability, can bear car multi-application (on-vehicle APP) through on-vehicle intelligent operating system simultaneously to can keep communication interconnection through near field communication technologies such as NFC or bluetooth and cell-phone.
On the other hand, with the development of the internet and automobiles, due to the consideration of automobile resource utilization and efficient and convenient traffic, automobile sharing is the mainstream trend in the future automobile networking environment, namely, more automobiles are going to adopt a time-sharing rental mode rather than a private automobile mode, and in the process, new requirements are provided for automobile rental cost in the automobile time-sharing rental process and payment modes such as parking, high-speed charging, illegal fine and the like in the automobile use process.
In the prior art, an automobile is not a payment terminal, so that the payment requirement of an automobile as a core scene in the use process of the automobile cannot be met, and if information such as automobile models, identification numbers, license plates and the like is required to be synchronously uploaded in the payment process, the payment is not convenient.
Therefore, the existing payment technology mainly comprises two modes of mobile phone APP payment and after-loading vehicle-mounted unit payment:
(1) mobile phone APP Payment
The relevance when carrying out rental at every turn through cell-phone APP mode and the car that uses promptly, after renting the car, accomplish payment through cell-phone payment mode, this payment mode only can realize the demand of car lease expense, the parking in the car use, high-speed charging, payment demands such as the fine of violating regulations still need be according to original flow, there is the problem that payment mode splits in different scenes, it is to rent at every turn simultaneously, cell-phone APP still needs the manual work to fill in partial information, the convenience is not high, can't carry car information scheduling problem during payment.
(2) Afterloading on-board unit payments
The typical case of the mode is ETC OUB equipment, which mainly can solve the problem of highway toll collection, but cannot solve other scenes such as car rental payment and parking payment, and the OBU equipment initializes the equipment to input information such as license plate numbers and the like when handling the equipment and must be bound with a unique payment card, so that the ETC OUB equipment cannot be suitable for sharing automobile scenes.
Disclosure of Invention
In view of the above problems, an object of the present invention is to provide an intelligent vehicle payment system and a payment method that can use a vehicle as a payment terminal and have excellent payment security.
The intelligent automobile payment method is realized by utilizing the automobile terminal and the mobile terminal, and is characterized by comprising the following steps of:
a payment request initiating step, wherein an external merchant initiates an order payment request to the intelligent automobile;
a payment account information acquisition step, wherein the vehicle terminal requests to invoke Token after receiving the order payment request, and the mobile terminal returns the payment account information containing Token to the vehicle terminal;
a payment information packaging step, wherein the vehicle terminal assembles the payment account information into payment information according to a specified standard and sends the payment information to a merchant; and
and a payment processing finishing step, wherein the merchant finishes payment processing according to the payment information.
Preferably, the payment account information acquiring step includes the substeps of:
after receiving the order payment request, the vehicle terminal interacts with the mobile terminal in a near field communication mode and requests the mobile terminal to call Token; and
and the mobile terminal returns the payment account information containing the Token stored in the mobile terminal to the vehicle terminal according to the call.
Preferably, in the payment information packaging step, the vehicle terminal assembles the payment account information and the vehicle information of the vehicle terminal into payment information to be sent to the merchant.
Preferably, the vehicle information includes one or more of a vehicle type, a vehicle speed, a vehicle identification number.
Preferably, in the payment account information acquiring step, the mobile terminal returns the payment account information including Token stored therein to the vehicle terminal in real time.
Preferably, the vehicle terminal is used for requesting to invoke Token from the mobile terminal according to an order payment request from an external merchant, and in case that the vehicle terminal receives the following payment account information, the following payment account information is assembled into payment information according to a specified specification and sent to the merchant,
the mobile terminal is used for storing Token and returning payment account information containing Token to the vehicle terminal when the mobile terminal receives the call from the vehicle terminal.
Preferably, the vehicle terminal assembles the payment account information and the vehicle information of the vehicle terminal into payment information and sends the payment information to the merchant.
Preferably, the vehicle terminal includes:
the vehicle networking communication module is used for carrying out communication interaction with an external merchant;
the first communication module is used for realizing communication interaction with the mobile terminal; and
the vehicle-mounted payment service module is used for initiating an invoking request for invoking Token to the mobile terminal according to an order payment request from an external merchant and assembling the payment account information into payment information according to a specified specification under the condition of receiving the payment account information from the mobile terminal,
the mobile terminal is provided with:
the second communication module is used for realizing communication interaction with the vehicle terminal;
the Token storage module is used for storing tokens; and
and the payment control module is used for calling the Token from the Token storage module according to the calling request from the vehicle terminal and generating corresponding payment account information.
Preferably, the in-vehicle payment service module includes:
a core function interface for providing payment interface capabilities;
a transaction processing module for providing transaction payment capabilities; and
a communication management module for providing payment communication capabilities.
The vehicle terminal of the present invention is characterized in that,
the vehicle terminal is used for requesting to invoke Token from the mobile terminal according to an order payment request from an external merchant, and assembling the payment account information into payment information according to a specified specification and sending the payment information to the merchant under the condition that the vehicle terminal receives the payment account information containing Token from the mobile terminal.
Preferably, the vehicle terminal assembles the payment account information and the vehicle information of the vehicle terminal into payment information and sends the payment information to the merchant.
Preferably, the vehicle terminal includes:
the vehicle networking communication module is used for carrying out communication interaction with an external merchant;
the first communication module is used for realizing communication interaction with the mobile terminal; and
the vehicle-mounted payment service module is used for initiating an invoking request for invoking Token to the mobile terminal according to an order payment request from an external merchant, and assembling payment account information into payment information according to a specified specification under the condition of receiving the payment account information from the mobile terminal.
Preferably, the in-vehicle payment service module includes:
a core function interface for providing payment interface capabilities;
a transaction processing module for providing transaction payment capabilities; and
a communication management module for providing payment communication capabilities.
As described above, according to the intelligent automobile payment system and the payment method of the invention, the vehicle can be used as the payment terminal, the payment information interaction is completed with the external acceptance terminal through the internet of vehicle communication module of the vehicle terminal, the payment account uses Token stored in the mobile phone, and when the payment transaction occurs, the vehicle terminal interacts with the mobile phone through near field communication technology such as bluetooth or NFC, and the payment account information in the mobile phone is read in real time. Therefore, the intelligent automobile payment system and the payment method can effectively solve the requirements of various scenes of automobile consumption and payment, and users do not need to worry about the problem of account leakage in an automobile sharing scene because a consumption account (Token) is not reserved in an automobile. Moreover, since Token existing in the mobile phone is used, the Token does not need to be applied to the cloud again, and the processing flow is not complicated.
Drawings
Fig. 1 is a block diagram showing the configuration of an intelligent vehicle payment system according to an embodiment of the present invention.
Fig. 2 is a schematic diagram showing the construction of an in-vehicle payment service module in the intelligent automobile payment system of the invention.
FIG. 3 is a schematic diagram showing a Token generation process.
Fig. 4 is a flowchart illustrating an intelligent vehicle payment method according to an embodiment of the present invention.
Detailed Description
The following description is of some of the several embodiments of the invention and is intended to provide a basic understanding of the invention. It is not intended to identify key or critical elements of the invention or to delineate the scope of the invention.
The intelligent automobile payment system is characterized in that a vehicle is used as a payment terminal, payment information interaction is completed with an acceptance terminal of an external merchant through the vehicle networking communication technology of the vehicle, a Token stored in a mobile phone is used for a payment account, and when a payment transaction occurs, the vehicle terminal interacts with the mobile phone through near field communication technologies such as Bluetooth or NFC, so that the payment account information in the mobile phone is read in real time.
Fig. 1 is a block diagram showing the configuration of an intelligent vehicle payment system according to an embodiment of the present invention.
As shown in fig. 1, the smart car payment system according to an embodiment of the present invention includes a car terminal 100 and a mobile terminal 200 (in the present embodiment, the mobile terminal is taken as an example for description, but may be a mobile smart terminal such as a laptop computer or a tablet computer having the same communication function as a mobile phone).
The vehicle terminal 100 includes: the vehicle networking communication module 110, the first communication module 120 and the in-vehicle payment service module 130.
The car networking communication module 110 is used for performing communication interaction with an acceptance unit or a business outside the vehicle (for example, a roadside toll station, etc.). Communication with an acceptance unit or a merchant outside the vehicle can be realized, for example, via the communication layer V2X, the communication layer V2X being primarily responsible for providing an access interface between the vehicle terminal 100 and the vehicle V2X controller.
The first communication module 120 is used for implementing communication interaction with the mobile terminal 200.
The in-vehicle payment service module 130 is configured to receive a payment request from an external acceptance unit or a merchant and call Token, payment account information, and the like from the mobile terminal 200 according to the payment request.
The mobile terminal 200 includes: a second communication module 210, a payment control module 220, and a Token storage module 230.
Wherein the second communication module 210 is used for communicating with the vehicle terminal 100. The Token storage module 230 is configured to store a Token used when the mobile terminal performs payment. The payment control module 220 retrieves Token from the Token storage module 230 according to the payment request from the vehicle terminal 100 and generates corresponding payment account information. The payment account information generated by the payment control module 220 is returned to the vehicle terminal 100 through the second communication module 210.
Next, the structure and function of each part of the in-vehicle payment service module 130 in the intelligent automobile payment system of the present invention will be described.
Fig. 2 is a schematic diagram showing the construction of an in-vehicle payment service module in the intelligent automobile payment system of the invention. The in-vehicle payment service module 130 includes: a core function interface 131 for providing payment interface capabilities, a transaction processing module 132 for providing transaction payment capabilities, and a communication management module 133 for providing payment communication capabilities.
The core function interface 131 encapsulates the vehicle-mounted payment function in an interface form, and is mainly used for coordinating function scheduling and data exchange of each module. The core function interface 131 is a unified interface implementation of the other modules. For example, if the vehicle-mounted application is a vehicle-mounted bank application, the core function is the core function of the vehicle-mounted bank, and the loading of the vehicle-mounted payment plug-in requires partial modification of the core function interface of the vehicle-mounted application, so that the vehicle-mounted payment plug-in can display the vehicle-mounted payment option to the user through the core function of the vehicle-mounted application.
The transaction processing module 132 is used to complete the management configuration, processing, and easy authentication of the transaction. Specifically, the transaction processing module 132 includes: the management configuration module 1321 is used for receiving and processing data exchange notifications and requests from the credential management subsystem of the cloud payment platform; the payment service logic processing module 1322 is configured to package payment information according to service requirements, that is, to package data of payment account information, vehicle information, and the like into payment information; a biometric authentication module 1323 that determines whether the user can perform a payment operation by authenticating biometric information (e.g., a fingerprint, a finger vein, a face, voice, iris, palm print, etc.) (the biometric authentication module 1323 is an optional module); and a communication interconnecting module 1324 for communicating with the mobile terminal.
The communication management module 133 is used to provide payment communication capabilities and is responsible for the establishment of network security connections and data transmission capabilities. Specifically, a TLS/SSL secure connection, a remote notification service, and a data transfer service are provided in the communication management module 133. The communication layer-TLS/SSL is mainly responsible for establishing a secure communication connection between the in-vehicle payment service module 130 and an external entity (mainly, a credential management system), and the establishment of the secure channel is mainly based on the principle that a certificate chain is used to provide identity authentication and channel encryption services for the mobile application and the external cloud server. The remote notification service notification is primarily an interface between the in-vehicle payment service module 130 and the remote notification service.
Next, a specific process of the payment method implemented by the intelligent vehicle payment system of the present invention will be specifically described.
Before describing the specific flow of the intelligent vehicle payment method of the present invention, the generation of Token and the application in the payment application will be described.
FIG. 3 is a schematic diagram showing a Token generation process.
As shown in fig. 3, mobile terminal 700 sends a PAN (i.e., a bank card main account number) to Token requester 800 to request Token acquisition. Token requestor 800 forwards the Token request to Token service provider (Token ServiceProvider) 900, Token service provider 900 generates a corresponding Token according to the Token request, establishes a mapping relationship between Token and PAN, and returns the generated Token to Token requestor 800. The Token requestor 800 returns the received Token to the mobile terminal 700.
In this way, when a merchant purchases a commodity and pays by using the mobile terminal 700, the merchant acquires Token stored in the mobile terminal 700 by using a near field communication manner such as NFC, the merchant sends the acquired Token, payment information and the like as payment requests to an acquirer, the acquirer sends the payment requests to a payment network, the payment network calls a Token service provider 900, the Token service provider 900 verifies the validity of the Token, acquires a corresponding PAN according to the mapping relationship between the Token and the PAN established before, returns the PAN to the payment network, and the payment network replaces the Token with the PAN and sends the related payment requests to a corresponding issuer to complete corresponding verification, thereby completing payment deduction.
Next, a payment method according to an embodiment implemented by the intelligent vehicle payment system of the present invention will be described.
Fig. 4 is a flowchart illustrating an intelligent vehicle payment method according to an embodiment of the present invention.
As shown in fig. 4, step S100: a merchant (e.g., a highway toll station, etc.) initiates an order payment request to a vehicle. Specifically, an order payment request is received from a merchant through the internet-of-vehicle communication module 110 of the vehicle terminal 100.
Step S200: the vehicle terminal 100 interacts with the mobile terminal 200 through a near field communication technology such as bluetooth or NFC, and requests the mobile terminal 200 to acquire Token.
Step S300: the mobile terminal 200 generates corresponding payment account information according to the existing mobile payment mechanism, and conforms to the PBOC specification, wherein the payment account information includes Token.
Step S400: the mobile terminal 200 returns the payment account information to the vehicle terminal 100.
Step S500: the vehicle terminal 100 performs payment information packaging according to the service requirement, including information packaging of vehicle information such as vehicle type, vehicle speed, vehicle identification number and the like and payment account information.
Step S600: the vehicle terminal 100 transmits the payment information to the merchant through the internet-of-vehicle communication module 110.
Step S700: the merchant processes the payment information and returns the payment result to the vehicle terminal 100 after the payment information is processed.
Step S800: the vehicle terminal 100 notifies the mobile terminal 200 of the payment result.
As described above, according to the intelligent automobile payment system and the payment method of the present invention, the security of payment can be ensured, because the Token stored in the cardholder mobile terminal is only used during the whole payment process without the occurrence of the main account number of the bank card, and the Token is not stored in the vehicle terminal, the user does not need to worry about that the Token will remain in the vehicle, so that the Token will not be acquired by others even if the vehicle is a shared vehicle, and the security of payment can be improved. Moreover, the user experience is good, the Token stored originally by the mobile terminal only needs to be used, and the user does not need to apply for the Token again to the intelligent automobile.
On the other hand, the vehicle can be used as a payment terminal, vehicle information (of vehicle type, vehicle speed, vehicle identification number and the like) can be effectively transmitted together in the payment process, the integration capability of payment and application scenes is enhanced, various automobile consumption payment scenes can be met, for example, in the aspect of high-speed toll collection, the toll collection is different according to different vehicle types, the vehicle information is transmitted through an instrument, and the payment of the toll of the expressway can be finished according to the vehicle type.
The above examples mainly illustrate the intelligent vehicle payment system and payment method of the present invention. Although only a few embodiments of the present invention have been described in detail, those skilled in the art will appreciate that the present invention may be embodied in many other forms without departing from the spirit or scope thereof. Accordingly, the present examples and embodiments are to be considered as illustrative and not restrictive, and various modifications and substitutions may be made therein without departing from the spirit and scope of the present invention as defined by the appended claims.
Claims (5)
Priority Applications (3)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201610895534.4A CN106652227B (en) | 2016-10-14 | 2016-10-14 | Intelligent automobile payment system and payment method |
| PCT/CN2017/105244 WO2018068682A1 (en) | 2016-10-14 | 2017-10-03 | Intelligent automobile payment system and payment method |
| TW106134573A TW201814604A (en) | 2016-10-14 | 2017-10-06 | Intelligent vehicle payment system and method |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201610895534.4A CN106652227B (en) | 2016-10-14 | 2016-10-14 | Intelligent automobile payment system and payment method |
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| Publication Number | Publication Date |
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| CN106652227A CN106652227A (en) | 2017-05-10 |
| CN106652227B true CN106652227B (en) | 2020-03-27 |
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| TW (1) | TW201814604A (en) |
| WO (1) | WO2018068682A1 (en) |
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|---|---|---|---|---|
| CN106652227B (en) * | 2016-10-14 | 2020-03-27 | 中国银联股份有限公司 | Intelligent automobile payment system and payment method |
| CN107133789B (en) * | 2017-06-09 | 2021-02-19 | 中国联合网络通信集团有限公司 | Vehicle information processing method and device based on smart card |
| WO2018230536A1 (en) * | 2017-06-16 | 2018-12-20 | 本田技研工業株式会社 | Vehicle payment support device |
| CN113570013A (en) * | 2017-08-17 | 2021-10-29 | 创新先进技术有限公司 | Service execution method and device |
| CN108280634B (en) * | 2018-02-11 | 2021-06-11 | 深圳市图灵奇点智能科技有限公司 | Payment method and system, automobile, toll terminal and medium |
| CN109034780A (en) * | 2018-06-25 | 2018-12-18 | 深圳市金溢科技股份有限公司 | Vehicle-mounted mobile method of payment, system and its V2X car-mounted device, V2X trackside POS device |
| CN108985739A (en) * | 2018-07-06 | 2018-12-11 | 上海博泰悦臻电子设备制造有限公司 | Processing method, system, computer storage medium and the engine end of car payment |
| CN108833445B (en) * | 2018-07-31 | 2021-04-16 | 中国银联股份有限公司 | A kind of authentication method and device suitable for Internet of things system |
| CN110414982A (en) * | 2019-07-10 | 2019-11-05 | 武汉城市一卡通有限公司 | A kind of all-purpose card method of commerce and system |
| US11816194B2 (en) * | 2020-06-21 | 2023-11-14 | Apple Inc. | User interfaces for managing secure operations |
| CN111861457B (en) * | 2020-06-28 | 2023-02-21 | 中国银联股份有限公司 | Payment token application method, device, system and server |
| CN113593062A (en) * | 2021-07-09 | 2021-11-02 | 重庆长安汽车股份有限公司 | ETC-based payment method and system in vehicle and vehicle |
| CN114495297B (en) * | 2021-12-31 | 2024-10-18 | 广东奥博信息产业股份有限公司 | Parking-free payment parking management method and system based on intelligent terminal |
| CN115134149B (en) * | 2022-06-28 | 2023-06-06 | 重庆长安汽车股份有限公司 | Cloud configuration-based vehicle payment function authentication method and system |
| CN116453235A (en) * | 2022-12-28 | 2023-07-18 | 中国银联股份有限公司 | Vehicle payment method and vehicle payment system |
| CN115907753A (en) * | 2022-12-29 | 2023-04-04 | 中国人民银行数字货币研究所 | Payment method, system, device and storage medium |
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Also Published As
| Publication number | Publication date |
|---|---|
| WO2018068682A1 (en) | 2018-04-19 |
| TW201814604A (en) | 2018-04-16 |
| CN106652227A (en) | 2017-05-10 |
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