CN105023299A - Networking vehicle mounted payment system and networking vehicle mounted payment method - Google Patents
Networking vehicle mounted payment system and networking vehicle mounted payment method Download PDFInfo
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Abstract
The invention relates to a networking vehicle mounted payment method, which comprises the steps that an RFID reader of a vehicle reads merchant information recorded on an RFID tag and displays the merchant information; a user of the vehicle selects a merchant to be paid; a payment platform vehicle mounted terminal sends identity information of the user and license plate number information to a payment platform together with payment authorization of the selected merchant; the payment platform sends a payment request and the license plate number information of the vehicle to a payment platform merchant terminal of the selected merchant; the merchant carries out settlement on the payment amount according to a license plate number of the vehicle; the payment platform merchant terminal generates an account bill according to the payment amount and sends the account bill to the payment platform; the payment platform sends a deduction request in allusion to an account bound to the identity of the user to the payment platform vehicle mounted terminal; the user conforms the deduction request, and the payment platform vehicle mounted terminal sends information for confirming the deduction request to the payment platform; and the payment platform carries out deduction on the account.
Description
Technical field
The present invention relates to a kind of networking vehicle mounted payment system and method for payment.
Background technology
When vehicle enters parking lot, generally needing the card taking of decline glass for vehicle window, when leaving parking lot, needing decline glass for vehicle window to hand over card, and pay parking fee according to the down time of record on card; In addition, when vehicle refuels in refuelling station or passes through the charge station of highway, also need decline glass for vehicle window to pay, therefore, all will decline glass for vehicle window and rising glass for vehicle window at every turn, bothers very much.In addition, sometimes, the user of vehicle also needs to get off to conclude the business.On arctic weather or air pollution serious date, decline glass for vehicle window or get off and make the user in vehicle feel under the weather sometimes.And all will carry out with cash owing to paying at every turn, the user of vehicle needs to prepare change, or produces some small changes, concerning very inconvenient the user of vehicle, and queue time is also long.
RFID (Radio Frequency Identification) i.e. REID, also known as radio frequency identification, it is a kind of communication technology, read and write related data by radio signals identification specific objective, and without the need to setting up machinery or optical contact between recognition system and specific objective.The rfid system of complete set is made up of reader and electronic tag i.e. so-called transponder and application software system three part, its principle of work is that reader launches the radio wave energy of a characteristic frequency to transponder, in order to drive transponder circuit, the data of inside are sent, now reader just received in sequence unscrambling data, gives application program and does corresponding process.
Transponder is by antenna, and in general coupling element and chip composition are all that each label has unique electronic code, is attached on object and identifies destination object with label as transponder.Reader is by antenna, and coupling element, chip forms, the equipment of reading tag information.Application software system is application layer software, mainly the data of collecting is processed further, and is used by people.
Summary of the invention
In view of these problems of the prior art, the invention provides a kind of networking vehicle mounted payment system and method for payment.
Networking vehicle mounted payment system of the present invention comprises RFID reader and the payment platform car-mounted terminal of vehicle one side, the RFID label tag of trade company one side and payment platform merchant tenninal, and payment platform, vehicle has vehicle-mounted information and entertainment system, vehicle-mounted information and entertainment system comprises touch-screen, RFID reader is connected with vehicle-mounted information and entertainment system, RFID reader is to the high frequency radio wave of the front transmitting uhf band of vehicle, read the information of the RFID label tag existed in certain limit, the information displaying of the RFID label tag in the certain limit that vehicle-mounted information and entertainment system reads RFID reader on the touchscreen, payment platform car-mounted terminal is arranged on vehicle-mounted information and entertainment system, and the user interface of a terminal is provided, the user of vehicle sends the identity information of the user of vehicle by payment platform car-mounted terminal payment platform, license plate number information and payment authorization, payment platform car-mounted terminal accepts the request of withholing from payment platform, and carry out the confirmation of withholing, the charge that RFID label tag is arranged on trade company exports and the position can read by the RFID reader exporting the vehicle rolled away from from this charge, RFID label tag records the information of the trade company at its place, payment platform merchant tenninal is arranged on the computing machine of trade company, and the user interface of a terminal is provided, payment platform merchant tenninal receives from the payment request of payment platform and the license plate number information of vehicle, Payment Amount according to trade company's input generates bill, and bill is sent to payment platform, payment platform runs on the remote server, pass through wireless network, payment platform and payment platform car-mounted terminal and payment platform merchant terminal communication, accept the identity information from the user of the vehicle of payment platform car-mounted terminal, license plate number information and the payment authorization to selected trade company, license plate number information and the payment request of vehicle is sent to payment platform merchant tenninal, accept the bill from payment platform merchant tenninal, the request of withholing is sent to payment platform car-mounted terminal, and accept the confirmation of payment platform car-mounted terminal to the request of withholing, payment platform is connected by the internet banking system of network and each bank and third-party payment system, withhold from the bank account of the identity binding of the user with vehicle or payment system account.
Pass through the present invention, the user of vehicle does not need decline glass for vehicle window or gets off to pay the bill, as long as click the touch-screen of vehicle-mounted information and entertainment system, just payment can be completed, very convenient, it also avoid cold weather or window in the air-polluting date or get off and bring uncomfortable.In addition, owing to there is no money transaction, therefore do not produce small change, and pay quick, the time of paying the bill and waiting can be reduced.
Preferably, networking vehicle mounted payment system of the present invention also comprises payment platform mobile phone terminal, payment platform mobile phone terminal is installed on smart mobile phone, and the user interface of a terminal is provided, payment platform mobile phone terminal, on the basis of function with payment platform car-mounted terminal, also has the function that can send the payment function of On/Off payment platform car-mounted terminal to payment platform.
By the present invention, when other people to be lent by vehicle by the user of vehicle or vehicle is stolen, the payment function of payment platform car-mounted terminal can be closed in time, guarantee account safety.
Networking vehicle mounted method of payment of the present invention, comprises the following steps:
The merchant information that RFID label tag in the RFID reader reading certain limit of vehicle records, is presented at name of firm on the touch-screen of vehicle-mounted information and entertainment system;
The user of vehicle selects its trade company that will pay the bill;
The identity information of the user of vehicle is sent to long-range payment platform with the license plate number information of vehicle by the payment platform car-mounted terminal of vehicle together with the payment authorization to selected trade company;
The payment platform merchant tenninal payment request of payment platform to selected trade company and the license plate number information of vehicle;
This Payment Amount according to the Payment Amount of the user of the license plate number clearing vehicle of vehicle, and inputs in payment platform merchant tenninal by trade company;
Payment platform merchant tenninal generates bill according to Payment Amount, and bill is sent to payment platform;
Payment platform sends to the payment platform car-mounted terminal of vehicle and asks for the bank account of the identity binding of the user with vehicle or withholing of third-party payment system account;
The user of vehicle confirms the request of withholing, and payment platform car-mounted terminal will confirm that the information of the request of withholing is sent to payment platform; And
Payment platform performs described account and withholds.
By the present invention, the effect identical with above-mentioned networking vehicle mounted payment system can be reached.
In addition, the present invention also provides a kind of automobile, comprises the RFID reader in above-mentioned networking vehicle mounted payment system and payment platform car-mounted terminal.
Accompanying drawing explanation
Fig. 1 is the schematic diagram of the networking vehicle mounted payment system of embodiments of the invention 1.
Fig. 2 is the schematic diagram of the networking vehicle mounted payment system of embodiments of the invention 2.
Fig. 3 is the process flow diagram of networking vehicle mounted method of payment of the present invention.
Embodiment
Hereinafter, with reference to the accompanying drawings of the preferred embodiment of the present invention.
Embodiment 1
Fig. 1 is the schematic diagram of the networking vehicle mounted payment system of embodiments of the invention 1.Networking vehicle mounted payment system of the present invention is made up of the RFID label tag 3 of the RFID reader 1 of vehicle 10 1 side and payment platform car-mounted terminal 2, trade company 20 (such as parking lot, high speed charge station, a refuelling station) side and payment platform merchant tenninal 4, long-range payment platform 5.
[RFID reader 1]
Vehicle 10 is equipped with vehicle-mounted information and entertainment system.Vehicle-mounted information and entertainment system is made up of CPU, mobile communication module, memory module, I/O module.Memory module comprises ROM and RAM.I/O module comprises I/O controller, touch-screen and sound equipment.
In addition, RFID reader 1 is installed in the housing of the inside rear-view mirror of vehicle 10, this RFID reader 1 can launch uhf band (869MHz to the front of vehicle 10,902 ~ 928MHz) high frequency radio wave, read the information of the RFID label tag existed in certain limit (such as 10m).In the present embodiment, RFID reader 1 can be in the duty of launching radiowave always, also can be manually opened by the user of vehicle 10.
In addition, RFID reader 1 can communicate with vehicle-mounted information and entertainment system.RFID reader 1 directly can access the MOST ring of vehicle-mounted information and entertainment system, becomes to be integrated with vehicle-mounted information and entertainment system, also can be connected with vehicle-mounted information and entertainment system by CAN.
The information displaying of the RFID label tag in the certain limit that vehicle-mounted information and entertainment system can read RFID reader 1 is on the touch-screen of vehicle-mounted information and entertainment system.Meanwhile, vehicle 10 user can by touch-screen and vehicle-mounted information and entertainment system mutual.
[payment platform car-mounted terminal 2]
Payment platform car-mounted terminal 2 is arranged on vehicle-mounted information and entertainment system, and provides the user interface of a terminal.This user interface is shown by touch-screen, and the user of vehicle 10 can input information by touch-screen and payment platform car-mounted terminal 2.
By payment platform car-mounted terminal 2, the user of vehicle 10 can send the identity information of the user of vehicle 10, license plate number information and payment authorization by wireless network to payment platform 5 described later.Payment platform car-mounted terminal 2 accepts the request of withholing from payment platform 5, and carries out the confirmation of withholing.In addition, payment platform car-mounted terminal 2 also accepts whether successfully feeding back about withholing from payment platform 5.
In addition, the wireless network mentioned in present embodiment can be the mobile communications network such as internet, GSM, CDMA, WCDMA.
[RFID label tag 3]
The charge that RFID label tag 3 is arranged on trade company 20 exports and the position can read by the RFID reader 1 exporting the vehicle 10 rolled away from from this charge.Charge outlet is such as EXIT, the outlet of high speed charge station, refuelling station's outlet etc.
RFID label tag 3 records the information of the trade company 20 at its place, such as name of firm.This information is read by the RFID reader 1 of vehicle 10.
[payment platform merchant tenninal 4]
Payment platform merchant tenninal 4 is arranged on the computing machine of trade company 20.The computing machine of trade company 20 can be PC, panel computer, smart mobile phone etc.Payment platform merchant tenninal 4 can provide the user interface of a terminal on the display device of computing machine, and trade company 20 can by the input equipment input information of computing machine.
Payment platform merchant tenninal 4 receives the license plate number information of payment request from payment platform 5 described later and vehicle 10.By payment platform merchant tenninal 4, trade company 20 can input the Payment Amount of the user of the vehicle of corresponding license plate number.The Payment Amount that payment platform merchant tenninal 4 inputs according to trade company 20 generates bill, and bill is sent to payment platform 5.In addition, payment platform merchant tenninal 4 also accepts whether successfully feeding back about withholing from payment platform 5.
[payment platform 5]
Payment platform 5 runs on the remote server.Pass through wireless network, payment platform 5 can communicate with payment platform merchant tenninal 4 with payment platform car-mounted terminal 2, accept from the identity information of the user of the vehicle 10 of payment platform car-mounted terminal 2, license plate number information and the payment authorization to selected trade company, license plate number information and the payment request of vehicle is sent to payment platform merchant tenninal 4, accept the bill from payment platform merchant tenninal 4, send to payment platform car-mounted terminal 2 request of withholing, and accept the confirmation of payment platform car-mounted terminal 2 to the request of withholing.
In addition, payment platform 5 is by the internet banking system of network and each bank and third-party payment system (such as Alipay) A, B, C, D ... connect, and can withhold from the bank account of the identity binding of the user with vehicle 10 or payment system account.
The following detailed description of the function of networking vehicle mounted payment system.
When vehicle 10 user trade company 20 consume and at obligations such as the charge exits of trade company 20 time, the RFID reader 1 of vehicle 10 reads the trade company 20 information (name of firm) that the RFID label tag in certain limit records, and is presented at by name of firm on the touch-screen of vehicle-mounted information and entertainment system 11.
The RFID reader 1 of vehicle 10 may read the RFID label tag of one or more businessman within the specific limits, and the title of one or more businessman is all shown on the touchscreen.Now, the user of vehicle 10 is shielded by point touching and is selected its businessman that will pay the bill.
The identity information of the user of the vehicle 10 be stored in advance in ROM, by wireless network, is sent to long-range payment platform 5 with the license plate number information of vehicle 10 by the payment platform car-mounted terminal 2 of vehicle 10 together with the payment authorization to selected trade company 20.
Payment platform 5 after receiving the identity information of the payment authorization of selected trade company 20 and the user of vehicle 10 and license plate number information, to payment platform merchant tenninal 4 payment request of this selected trade company 20 and the license plate number information of vehicle 10.
Payment platform merchant tenninal 4 receives the license plate number information of payment request and vehicle 10.This Payment Amount according to the Payment Amount of the user of the license plate number clearing vehicle 10 of vehicle 10, and inputs in payment platform merchant tenninal 4 by trade company 20.
Payment platform merchant tenninal 4 generates bill according to Payment Amount, and by wireless network, bill is sent to payment platform 5.
Payment platform 5 accepts the bill from payment platform merchant tenninal 4, and afterwards, statement of account processes: whether the identity search according to the user of vehicle 10 exists and the bank account of the identity binding of the user of vehicle 10 or third-party payment system account.If exist and the bank account of the identity binding of the user of vehicle 10 or third-party payment system account, then payment platform 5 selects an account, and sends the request of withholing for the account to the payment platform car-mounted terminal 2 of vehicle 10; If do not exist and the bank account of the identity binding of the user of vehicle 10 or third-party payment system account, then payment platform 5 sends the feedback of " there is not binding account " to the payment platform car-mounted terminal 2 of vehicle 10 and the payment platform merchant tenninal 4 of trade company 20.
If there is binding account, the user of vehicle 10 receives by payment platform car-mounted terminal 2 request of withholing.User's point touching screen of vehicle 10 confirms this request of withholing.The payment platform car-mounted terminal 2 of vehicle 10 will confirm that the information of the request of withholing is sent to payment platform 5 by wireless network.
After payment platform 5 receives the confirmation of the request of withholing, above-mentioned account is performed and withholds.Withholing in successful situation, payment platform 5 sends to the payment platform car-mounted terminal 2 of vehicle 10 and the payment platform merchant tenninal 4 of trade company 20 successfully feedback of withholing; Withholing (such as account balance is not enough) in unsuccessful situation, payment platform 5 sends the feedback of failure of withholing to the payment platform car-mounted terminal 2 of vehicle 10 and the payment platform merchant tenninal 4 of trade company 20.
Embodiment 2
Fig. 2 is the schematic diagram of the networking vehicle mounted payment system of embodiments of the invention 2.In the networking vehicle mounted payment system of embodiment 2, also comprise payment platform mobile phone terminal 6.
[payment platform mobile phone terminal 61
Payment platform mobile phone terminal 6 is arranged on the smart mobile phone of the user of vehicle 10, and provides the user interface of a terminal, and this user interface is shown by the screen of smart mobile phone.The user of vehicle 10 can carry out information input on a user interface.
Payment platform mobile phone terminal 6 can send various information by wireless network to payment platform 5, and accepts the information from payment platform 5.Payment platform mobile phone terminal 6 has the function of the payment platform car-mounted terminal 2 of vehicle 10, namely, by payment platform mobile phone terminal 6, the user of vehicle 10 can send the identity information of the user of vehicle 10, license plate number information and payment authorization to payment platform 5 by wireless network, accept the request of withholing from payment platform 5, and carry out the confirmation of withholing, in addition, payment platform mobile phone terminal 6 also accepts whether successfully feeding back about withholing from payment platform 5.
In the present embodiment, payment platform 5 sends information (as confirmation of withholing) to payment platform mobile phone terminal 6 and payment platform car-mounted terminal 2 simultaneously, and is as the criterion with the declaration of will of the user of the vehicle 10 received at first from payment platform mobile phone terminal 6 or payment platform car-mounted terminal 2.
In addition, payment platform mobile phone terminal 6, on the basis of function with payment platform car-mounted terminal 2, also has the function that can send the payment function of On/Off payment platform car-mounted terminal 2 to payment platform 5.Like this, when other people to be lent by vehicle 10 by the user of vehicle 10 or vehicle 10 is stolen, the payment function of payment platform car-mounted terminal 2 can be closed in time, guarantee account safety.
The following describes networking vehicle mounted method of payment of the present invention.Fig. 3 is the process flow diagram of networking vehicle mounted method of payment of the present invention.
Fig. 3 is the process flow diagram of networking vehicle mounted method of payment of the present invention.Networking vehicle mounted method of payment of the present invention comprises the following steps.
1) merchant information that the RFID label tag that the RFID reader of vehicle reads in certain limit records, is presented at name of firm on the touch-screen of vehicle-mounted information and entertainment system.
2) user of vehicle is shielded by point touching and is selected its trade company that will pay the bill.
3) identity information of the user of the vehicle be stored in advance in ROM is sent to long-range payment platform with the license plate number information of vehicle by wireless network by the payment platform car-mounted terminal of vehicle together with the payment authorization to selected trade company.
4) payment platform is after receiving the identity information of the payment authorization of selected trade company and the user of vehicle and license plate number information, to the payment platform merchant tenninal payment request of this selected trade company and the license plate number information of vehicle.
5) trade company is according to the Payment Amount of the user of the license plate number clearing vehicle of vehicle, and is inputted in payment platform merchant tenninal by this Payment Amount.
6) payment platform merchant tenninal generates bill according to Payment Amount, and by wireless network, bill is sent to payment platform.
7) payment platform accepts the bill from payment platform merchant tenninal, and afterwards, statement of account processes: whether the identity search according to the user of vehicle exists and the bank account of the identity binding of the user of vehicle or third-party payment system account.If exist and the bank account of the identity binding of the user of vehicle or third-party payment system account, then payment platform selects an account, and sends the request of withholing for the account to the payment platform car-mounted terminal of vehicle; If do not exist and the bank account of the identity binding of the user of vehicle or third-party payment system account, then payment platform sends the feedback of " there is not binding account " to the payment platform car-mounted terminal of vehicle and the payment platform merchant tenninal of trade company.
8) if there is binding account, the user of vehicle receives by payment platform car-mounted terminal the request of withholing.User's point touching screen of vehicle confirms this request of withholing.
9) the payment platform car-mounted terminal of vehicle will confirm that the information of the request of withholing is sent to payment platform by wireless network.
10), after payment platform receives the confirmation of the request of withholing, above-mentioned account is performed and withholds.Withholing in successful situation, payment platform sends to the payment platform car-mounted terminal of vehicle and the payment platform merchant tenninal of trade company successfully feedback of withholing; Withholing (such as account balance is not enough) in unsuccessful situation, payment platform sends the feedback of failure of withholing to the payment platform car-mounted terminal of vehicle and the payment platform merchant tenninal of trade company.
Unsuccessful if withholdd, the user of vehicle and trade company can carry out the transaction of other modes, such as money transaction and transaction of swiping the card.
Above preferred enforcement embodiment of the present invention is illustrated, but the invention is not restricted to above-mentioned embodiment, in the scope not departing from thought of the present invention, some distortion and amendment can be made.
Claims (4)
1. a networking vehicle mounted payment system, is characterized in that, comprises RFID reader and the payment platform car-mounted terminal of vehicle one side; The RFID label tag of trade company one side and payment platform merchant tenninal; And payment platform,
Described vehicle has vehicle-mounted information and entertainment system, described vehicle-mounted information and entertainment system comprises touch-screen, described RFID reader is connected with vehicle-mounted information and entertainment system, described RFID reader is to the high frequency radio wave of the front transmitting uhf band of vehicle, read the information of the RFID label tag existed in certain limit, the information displaying of the RFID label tag in the certain limit that described vehicle-mounted information and entertainment system reads RFID reader on the touchscreen
Described payment platform car-mounted terminal is arranged on vehicle-mounted information and entertainment system, and the user interface of a terminal is provided, the user of vehicle sends the identity information of the user of vehicle, license plate number information and payment authorization by payment platform car-mounted terminal payment platform, described payment platform car-mounted terminal accepts the request of withholing from payment platform, and carry out the confirmation of withholing
The charge that described RFID label tag is arranged on trade company exports and the position can read by the RFID reader exporting the vehicle rolled away from from this charge, and described RFID label tag records the information of the trade company at its place,
Described payment platform merchant tenninal is arranged on the computing machine of trade company, and the user interface of a terminal is provided, described payment platform merchant tenninal receives from the payment request of payment platform and the license plate number information of vehicle, Payment Amount according to trade company's input generates bill, and bill is sent to payment platform
Described payment platform runs on the remote server, pass through wireless network, described payment platform and payment platform car-mounted terminal and payment platform merchant terminal communication, accept from the identity information of the user of the vehicle of payment platform car-mounted terminal, license plate number information and the payment authorization to selected trade company, license plate number information and the payment request of vehicle is sent to payment platform merchant tenninal, accept the bill from payment platform merchant tenninal, the request of withholing is sent to payment platform car-mounted terminal, and accept the confirmation of payment platform car-mounted terminal to the request of withholing
Described payment platform is connected by the internet banking system of network and each bank and third-party payment system, withholds from the bank account of the identity binding of the user with vehicle or payment system account.
2. networking vehicle mounted payment system according to claim 1, is characterized in that, also comprises payment platform mobile phone terminal,
Described payment platform mobile phone terminal is installed on smart mobile phone, and the user interface of a terminal is provided, described payment platform mobile phone terminal, on the basis of function with described payment platform car-mounted terminal, also has the function that can send the payment function of payment platform car-mounted terminal described in On/Off to described payment platform.
3. a networking vehicle mounted method of payment, is characterized in that, comprises the following steps:
The merchant information that RFID label tag in the RFID reader reading certain limit of vehicle records, is presented at name of firm on the touch-screen of vehicle-mounted information and entertainment system;
The user of vehicle selects its trade company that will pay the bill;
The identity information of the user of vehicle is sent to long-range payment platform with the license plate number information of vehicle by the payment platform car-mounted terminal of vehicle together with the payment authorization to selected trade company;
The payment platform merchant tenninal payment request of payment platform to selected trade company and the license plate number information of vehicle;
This Payment Amount according to the Payment Amount of the user of the license plate number clearing vehicle of vehicle, and inputs in payment platform merchant tenninal by trade company;
Payment platform merchant tenninal generates bill according to Payment Amount, and bill is sent to payment platform;
Payment platform sends to the payment platform car-mounted terminal of vehicle and asks for the bank account of the identity binding of the user with vehicle or withholing of third-party payment system account;
The user of vehicle confirms the request of withholing, and payment platform car-mounted terminal will confirm that the information of the request of withholing is sent to payment platform; And
Payment platform performs described account and withholds.
4. an automobile, is characterized in that, comprises RFID reader according to claim 1 and payment platform car-mounted terminal.
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| CN201410179025.2A CN105023299A (en) | 2014-04-28 | 2014-04-28 | Networking vehicle mounted payment system and networking vehicle mounted payment method |
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| CN109544709A (en) * | 2018-11-15 | 2019-03-29 | 重庆市城投金卡信息产业(集团)股份有限公司 | Vehicle toll management method and its system based on RFID |
| CN110223059A (en) * | 2018-03-02 | 2019-09-10 | 光阳工业股份有限公司 | The payment methods and system of electronic payment are carried out with the metering device of vehicle |
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| CN106952086A (en) * | 2016-09-05 | 2017-07-14 | 中华电信股份有限公司 | In-vehicle payment system and method |
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