CN105590345A - System and method for performing payment at service point by using intelligent automobile - Google Patents

System and method for performing payment at service point by using intelligent automobile Download PDF

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Publication number
CN105590345A
CN105590345A CN201410688306.0A CN201410688306A CN105590345A CN 105590345 A CN105590345 A CN 105590345A CN 201410688306 A CN201410688306 A CN 201410688306A CN 105590345 A CN105590345 A CN 105590345A
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CN
China
Prior art keywords
payment
payment device
information
settlement center
service
Prior art date
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Granted
Application number
CN201410688306.0A
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Chinese (zh)
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CN105590345B (en
Inventor
柴洪峰
何朔
祖立军
孙权
才华
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China Unionpay Co Ltd
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China Unionpay Co Ltd
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Application filed by China Unionpay Co Ltd filed Critical China Unionpay Co Ltd
Priority to CN201410688306.0A priority Critical patent/CN105590345B/en
Priority to PCT/CN2015/094646 priority patent/WO2016082687A1/en
Priority to TW104138320A priority patent/TWI582722B/en
Publication of CN105590345A publication Critical patent/CN105590345A/en
Application granted granted Critical
Publication of CN105590345B publication Critical patent/CN105590345B/en
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    • GPHYSICS
    • G07CHECKING-DEVICES
    • G07BTICKET-ISSUING APPARATUS; FARE-REGISTERING APPARATUS; FRANKING APPARATUS
    • G07B15/00Arrangements or apparatus for collecting fares, tolls or entrance fees at one or more control points
    • G07B15/06Arrangements for road pricing or congestion charging of vehicles or vehicle users, e.g. automatic toll systems

Abstract

The invention discloses a system for performing payment at a service point by using an intelligent automobile. The system comprises a payment device, a paying apparatus, and a settlement center. The payment device is arranged in a vehicle and is associated with a financial account. The paying apparatus is disposed at a service point. The payment device, the paying apparatus, and the settlement center communicate with one another via a network. When getting close to the paying apparatus, the payment device communicates with the paying apparatus and sends selected service, vehicle information, and the account information of the financial account to the paying apparatus. The paying apparatus calculates fees according to the selected service and the vehicle information and communicates with the settlement center according to the fees and the account information in order to deduct expenses.

Description

A kind of system and method that utilizes intelligent automobile to pay at service point
Technical field
The present invention relates to payment technology, and relate in particular to the system and method that utilizes intelligent automobile to pay at service point.
Background technology
In prior art, efficiency that parking lot, gas station, high speed charge station etc. charge to vehicle is lower, user experiences poor. Parking lot adopts manual toll collection or IC-card automatic charging, and wherein IC-card automatic charging needs user that IC-card and payment device close contact are completed to payment. Gas station adopts manual toll collection or gas filling card to charge two kinds, and these two kinds of charge methods all require user and the outer things of car to carry out alternately, for example, needing to illustrate to the staff of gas station the size of volume read-out before oiling. High speed charge station adopts manual toll collection or ETC charge, and wherein manual toll collection is by manually distinguishing type of vehicle and charging, and ETC charge need to be set up in advance ETC track and charge equipment is installed on vehicle and be charged.
Therefore, vehicle has the payment demand of isomorphism in parking lot, gas station, high speed charge station: more efficiently, more convenient, more humane.
Summary of the invention
In prior art, vehicle uses manual toll collection mostly in the payment of public service point. For vehicle user, loaded down with trivial details artificial paying process will have influence on to drive and experience, and also will cause waste of time. The shortcoming of IC-card toll collection technique comprises: not reusability, is usually used different IC-cards under different payment scenes; User need to handle card in advance, and needs in IC-card, to supplement with money in advance; User need to complete payment near payment device by IC-card. The ETC technology that payment is used at a high speed has following shortcoming: construction cost costliness, and ETC system need to be set up ETC track in advance, and auxiliary a large amount of equipment; For dissimilar vehicle, need different ETC tracks to detect, this will increase the complexity of construction cost and payment.
The present invention is open, the system of utilizing intelligent automobile to pay at service point, this system comprises payment mechanism, payment device, settlement center, wherein, payment mechanism is arranged in vehicle and is associated with finance account, payment device is arranged on service point, and payment mechanism, payment device, settlement center communicate by letter mutually by network; When payment mechanism is during near payment device, payment mechanism is communicated by letter with payment device, wherein, the accounts information of the service of selection, information of vehicles, finance account is sent to payment device by payment mechanism, payment device is according to service and the information of vehicles computational costs selected, and the operation of communicating by letter to withhold with settlement center with accounts information according to this expense.
Preferably, payment device is according to this expense and accounts information, with settlement center online communication to complete the operation or communicated by letter off-line at official hour with settlement center and withholdd of withholing.
Preferably, payment mechanism calls accounts information or reads accounts information by access rights from safety chip.
The present invention is also open, the method of utilizing intelligent automobile to pay at service point, when being arranged in vehicle payment mechanism when being arranged on service point payment device, payment mechanism is communicated by letter with payment device, wherein, the accounts information of the service of selection, information of vehicles, finance account is sent to payment device by payment mechanism, and payment device is according to service and the information of vehicles computational costs selected, and the operation of communicating by letter to withhold with settlement center with accounts information according to this expense.
Preferably, payment device is according to this expense and accounts information, with settlement center online communication to complete the operation or communicated by letter off-line at official hour with settlement center and withholdd of withholing.
Preferably, payment mechanism calls accounts information or reads accounts information by access rights from safety chip.
Advantage of the present invention is to comprise: realize paying process user side and payment collector and do not link up alternately. User pays by operation touch screen in compartment, carried-on-vehicle computer system is realized the information interaction between payment device and intelligent automobile, information transmission can be by the Wireless Telecom Equipment of Vehicular communication system and payment device, and user does not need to open car door or vehicle window exchanges with payment collector. By the touch screen of intelligent vehicle, user can know payment content intuitively, increases and pays transparency. Adopt and pay wallet, defrayment is deducted from the finance account of binding, efficiently convenient. The present invention is applicable to the multiple payment scenes such as parking, oiling, high speed, and pays and also support offline electronic payment on Support Line. The present invention accepts end (service point) for government utility and comprises advantage: reduce manpower and the time of paying process, save cost and improve the efficiency of service; Paying process is operated by user self-help, and the inconsiderate phenomenon of service of having avoided people's processing fee to occur, improves service quality; Payment expense is deducted by user's finance account, safe and reliable and facilitate account statistics; Payment information generates automatically. In addition, intelligent automobile can obtain the information of vehicles of self automatically, as license plate number, vehicle size type etc., these information can be used among payment process, while payment such as high speed, intelligent automobile can be sent to payment device by information of vehicles, and payment device is determined corresponding expense by type of vehicle, has broken away from the complicated processes of high speed manual identified type of vehicle.
Brief description of the drawings
After having read the specific embodiment of the present invention with reference to accompanying drawing, those skilled in the art will become apparent the present invention. One skilled in the art will appreciate that accompanying drawing is only for coordinating detailed description of the invention that technical scheme of the present invention is described, and be not intended to protection scope of the present invention to be construed as limiting.
Fig. 1 is the schematic diagram that utilizes the system that intelligent automobile pays at service point.
Fig. 2 utilizes intelligent automobile to carry out the example of the process of on-line payment at service point.
Fig. 3 utilizes intelligent automobile to carry out the example of the process of on-line payment at service point.
Fig. 4 utilizes intelligent automobile in the time that service point pays, to call the schematic diagram of accounts information.
Detailed description of the invention
With reference to the accompanying drawings, the specific embodiment of the present invention is described in further detail. Should be understood that, can carry out structure and amendment function to described embodiment. In addition, can be for any given or specifically apply desiredly and favourable, one or more features of an embodiment can be combined with one or more features of another embodiment.
Fig. 1 is the schematic diagram that utilizes the system that intelligent automobile pays at service point according to the embodiment of the present invention. As shown in the figure, this system comprises payment mechanism, payment device, settlement center. Wherein, payment mechanism is arranged in vehicle and is associated with finance account. Payment mechanism can be the payment application being arranged in advance on carried-on-vehicle computer system, and the binding of this payment application and user's finance account, and the expense paying thus will be deducted from finance account. Payment device is arranged on service point, for example, and parking lot, gas station, high speed charge station etc. Payment mechanism, payment device, settlement center communicate by letter mutually by network. For example, payment mechanism can carry out radio communication by the Wireless Telecom Equipment of the Vehicular communication system of vehicle and payment device. Payment mechanism can also be connected and communicate by letter with settlement center is long-range by internet philosophy with payment device.
When payment mechanism is during near payment device, payment mechanism is communicated by letter with payment device, and wherein, the accounts information of the service of selection, information of vehicles, finance account is sent to payment device by payment mechanism. Payment mechanism can initiatively be initiated (for example, in the time that service point is gas station) or initiatively be initiated (for example, in the time that service point is high speed charge station) by payment device by payment mechanism according to the situation of service point with being communicated by letter of payment device. Selectable service can be sent to payment mechanism from payment device, and payment device can provide selectable service to payment mechanism according to information of vehicles. Payment device is according to service and the information of vehicles computational costs selected, and the operation of communicating by letter to withhold with settlement center with accounts information according to this expense.
In one example, when vehicle enters service point, payment device can identify the signal for identifying for payment device that vehicle sends by Wireless Telecom Equipment, vehicle can send to payment device by information of vehicles afterwards, and information of vehicles for example comprises license plate number, car owner's identity, type of vehicle, oil mass, vehicle-state etc. Payment device can provide selectable service to payment mechanism according to information of vehicles, for example COS and service fee. Can be according to information of vehicles by selectable while serving to payment mechanism when payment device, selectable service can be displayed on Vehicular display device and select for user. Selectable service can be shown with the form of list, and the content of list can be for example that the oil price table of gas station and the required volume read-out of user, high speed charge station are according to parking price table and the parking space information in the definite fee to be charged of car status information, parking lot. User can confirm the service that will buy according to service list, as institute's volume read-out and gasoline kind, and by buy (selected) information on services send to payment device.
As mentioned above, payment device is according to service and the information of vehicles computational costs selected, and the operation of communicating by letter to withhold with settlement center with accounts information according to this expense. Payment device can push the payment authentication message that comprises expense to payment mechanism after computational costs, user can for example complete payment authentication (for example manually click and confirm) by the touch screen associated with payment mechanism, under the scene of high speed charge station, can adopt automated validation mode, by payment mechanism to payment authentication message automated validation and payment result information is presented to user, can further save time thus, it is more convenient to make to pay.
As mentioned above, the payment device operation of communicating by letter to withhold with settlement center with accounts information according to this expense. Here, withhold operation can carry out in real time or postpone carrying out. According to embodiments of the invention, the payment of expense can be online or off-line carry out.
Fig. 2 carries out the example of the process of on-line payment according to the intelligent automobile that utilizes of the embodiment of the present invention at service point. As shown in Figure 2, first send Hello information by intelligent automobile to payment device. Payment device identifies intelligent automobile according to Hello information, and sends and confirm identifying information to intelligent automobile. Then, intelligent automobile is sending after information of vehicles to payment device, and it is mutual that beginning and payment device carry out information on services, provides optional service by payment device to intelligent automobile, and is selected the service needing by intelligent automobile. After service completes, send and pay Requisition Validation to intelligent automobile by payment device, user confirms to pay at intelligent automobile end. Payment device has been connected payment with settlement center after receiving payment confirming information, for example the payment information that comprises expense and accounts information (comprising account and password) is sent to settlement center, then the operation of withholing of having been communicated by letter with the credit card issuer of account by settlement center. After the on-line operation success of settlement center, send payment success message to intelligent automobile and payment device respectively. Situation about paying on line, payment device is connected with credit card issuer by settlement center with payment mechanism, completes online in real time payment, and expense is directly deducted from user's account.
Fig. 3 carries out the example of the process of offline electronic payment according to the intelligent automobile that utilizes of the embodiment of the present invention at service point. As shown in Figure 3, payment device, after receiving that confirmation pays, directly sends and pays success message to intelligent automobile. And afterwards, be connected and withholdd with settlement center at official hour. Offline electronic payment does not need to be connected in real time with settlement center, can complete by payment mechanism and payment device. Payment device can be stored payment information, has regularly been connected final payment with settlement center and credit card issuer. In an example, user can be in advance to the amount of money that proceeds to some in payment mechanism as the offline electronic payment amount of money. In this case, payment mechanism is to pay purse application.
User's payment record can be stored in settlement center, makes user to be connected to check with settlement center with paying application easily. The payment application using can be registered in settlement center in advance, comprises personal information certification and bank account information binding, after registration, will obtain the competency for operation that pays application.
As mentioned above, when payment mechanism is during near payment device, payment mechanism is communicated by letter with payment device, and wherein, the accounts information of the service of selection, information of vehicles, finance account is sent to payment device by payment mechanism. According to embodiments of the invention, accounts information can call from safety chip. The safety chip of storage accounts information can be used as independently unit and provides high degree of safety for accounts information. Can also take the software transfer mode without safety chip, in which, accounts information and other application data, by logic isolation, can ensure that accounts information can illegally not read by access rights are set. Can also adopt software transfer mode to call information of vehicles. Fig. 4 utilizes intelligent automobile in the time that service point pays, to call the schematic diagram of accounts information. As shown in Figure 4, the accounts information method of calling that pays application can be determined by " application controller " of carried-on-vehicle computer system, the routing table of an application ID of " application controller " maintenance and its position, the ID that different application is corresponding different. " application controller " can be identified application ID and give corresponding authority, and applies the accounts information method of calling that can judge its use for paying. That is to say, authenticate and pay application by application controller. Pay application for one, if show to adopt hardware to call accounts information in the log-on message of " application controller ", " application controller " can carry out safety certification and extract accounts information or information of vehicles with the vehicle-mounted payment devices that safety chip is installed so. If show to adopt software transfer accounts information in the log-on message of " application controller ", " application controller " can apply " central processing unit " processing of delivering carried-on-vehicle computer system by paying, and then by authority acquiring accounts information, payment account information now and other application message logic isolation, be similar to the sandbox mechanism in Android system, so can ensure the safety of accounts information. In addition information of vehicles also can call by " central processing unit ".
User, in the time that use pays application, can carry out alternately with payment application in the UI interface of carried-on-vehicle computer system, such as application pays, confirmation pays, check paid information on services etc. Carried-on-vehicle computer system can call the safety chip in vehicle-mounted payment devices by driver as the operation platform of vehicular applications.
Payment scheme under the open intelligent automobile environment of embodiments of the invention. For example, utilize intelligent automobile for refueling, the scheme that pays of the public service point of charge at a high speed, parking etc. The solution of the present invention can be realized by following three parts: be equipped with and pay the intelligent automobile of wallet, the payment device and the settlement center that accept end use of public service point. The intelligent automobile that payment wallet is housed can initiatively initiate to pay request or receive information from payment device; Send information of vehicles to payment device; And payment confirming information and carry out payment authentication. Payment wallet on intelligent automobile can call Vehicular communication system to be connected with payment device or settlement center. Payment device can be initiatively initiated payment process or the passive reception payment request from intelligent automobile to intelligent automobile; Receive the information of vehicles of intelligent automobile and calculate payment related information according to information of vehicles and information on services; On the real-time line of having communicated by letter with settlement center, pay or the non real-time offline electronic payment of having communicated by letter with settlement center. Payment device can be connected with the Vehicular communication system on intelligent automobile by radio communication channel, realizes communicating by letter between payment device and intelligent automobile.
The functions such as environment sensing that the intelligent automobile of embodiments of the invention utilization can be integrated, programmed decision-making, the auxiliary driving of many grades are in the comprehensive vehicle system of one. Intelligent automobile can be made up of different subsystems, as carried-on-vehicle computer system, Vehicular communication system etc. Carried-on-vehicle computer system is the core of intelligent automobile, and user is by vehicular touch screen curtain operation carried-on-vehicle computer system. Touch screen is as the most important Man Machine Interface of car-mounted computer, and user can invokes application, input message, confirmation order in touch screen, and application program feedack is presented to user by touch screen. Calculate machine system as vehicle-mounted machine, it provides operation platform for application program, dissimilar application can be installed, such as paying wallet and social application. These application can be called other system of intelligent automobile, (for example can call vehicle-mounted payment system such as paying wallet, the vehicle-mounted payment devices of safety chip is housed) and Vehicular communication system, social application can be called onboard navigation system and vehicle entertainment system. Vehicular communication system can allow intelligent automobile and communication equipment around contact, and its communication technology adopting comprises radio honeycomb communication technology (as 3G/LTE technology), DSRC (DSRC) technology, near-field communication technology (NFC) etc. For paying purse application, Vehicular communication system can complete and pay being connected of wallet and payment device, and being connected of payment wallet and settlement center. Vehicular communication system can provide comprehensive communication connection solution.
By the description of above embodiment, those skilled in the art can understand, and without departing from the spirit and scope of the present invention in the situation that, can also do various changes and replacement to the specific embodiment of the present invention. These changes and replacement all drop in the claims in the present invention book limited range.

Claims (6)

1. a system of utilizing intelligent automobile to pay at service point, it is characterized in that, this system comprises payment mechanism, payment device, settlement center, wherein, payment mechanism is arranged in vehicle and is associated with finance account, payment device is arranged on service point, and payment mechanism, payment device, settlement center communicate by letter mutually by network;
When payment mechanism is during near payment device, payment mechanism is communicated by letter with payment device, wherein, the accounts information of the service of selection, information of vehicles, finance account is sent to payment device by payment mechanism, payment device is according to service and the information of vehicles computational costs selected, and the operation of communicating by letter to withhold with settlement center with accounts information according to this expense.
2. the system as claimed in claim 1, is characterized in that,
Payment device is according to this expense and accounts information, with settlement center online communication to complete the operation or communicated by letter off-line at official hour with settlement center and withholdd of withholing.
3. the system as claimed in claim 1, is characterized in that,
Payment mechanism calls accounts information or reads accounts information by access rights from safety chip.
4. a method of utilizing intelligent automobile to pay at service point, it is characterized in that, when being arranged in vehicle payment mechanism when being arranged on service point payment device, payment mechanism is communicated by letter with payment device, wherein, the accounts information of the service of selection, information of vehicles, finance account is sent to payment device by payment mechanism, and payment device is according to service and the information of vehicles computational costs selected, and the operation of communicating by letter to withhold with settlement center with accounts information according to this expense.
5. method as claimed in claim 4, is characterized in that,
Payment device is according to this expense and accounts information, with settlement center online communication to complete the operation or communicated by letter off-line at official hour with settlement center and withholdd of withholing.
6. method as claimed in claim 4, is characterized in that,
Payment mechanism calls accounts information or reads accounts information by access rights from safety chip.
CN201410688306.0A 2014-11-26 2014-11-26 A kind of system and method paid in service point using intelligent automobile Active CN105590345B (en)

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CN201410688306.0A CN105590345B (en) 2014-11-26 2014-11-26 A kind of system and method paid in service point using intelligent automobile
PCT/CN2015/094646 WO2016082687A1 (en) 2014-11-26 2015-11-16 System and method for performing payment at service point by using intelligent vehicle
TW104138320A TWI582722B (en) 2014-11-26 2015-11-19 The use of smart cars in the service point to pay the system and methods

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CN110753941A (en) * 2017-06-16 2020-02-04 诺基亚技术有限公司 Method, apparatus and computer program for enabling transactions using digital attributes
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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
CN106980971A (en) * 2016-12-29 2017-07-25 中国银联股份有限公司 T BOX, vehicle-mounted payment system and its method based on T BOX
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CN108305396A (en) * 2017-01-11 2018-07-20 宁波轩悦行电动汽车服务有限公司 Electric vehicle leases offline electronic payment method
CN106781593A (en) * 2017-03-06 2017-05-31 辉泰(太仓)汽配有限公司 A kind of intelligent transportation system based on intelligent signal lamp
CN110753941A (en) * 2017-06-16 2020-02-04 诺基亚技术有限公司 Method, apparatus and computer program for enabling transactions using digital attributes
CN109272584A (en) * 2017-07-17 2019-01-25 张劭农 Exempt from stop fare payment system, method and apparatus
CN109842865A (en) * 2017-11-29 2019-06-04 北京聚利科技股份有限公司 Tamper method, car wireless terminal and the communication equipment of car wireless terminal
CN109842865B (en) * 2017-11-29 2021-12-07 北京聚利科技有限公司 Anti-disassembly method of vehicle-mounted wireless terminal, vehicle-mounted wireless terminal and communication equipment
CN108806002A (en) * 2018-05-19 2018-11-13 智车优行科技(北京)有限公司 Vehicle and electronic bill payment equipment, method, computer readable storage medium
CN109993522A (en) * 2019-03-07 2019-07-09 苏州工业园区职业技术学院 Payment administrative system based on intelligent network connection automobile
CN112200921A (en) * 2020-08-23 2021-01-08 江苏通行宝智慧交通科技股份有限公司 Account management method and device for open free flow traffic industry of expressway
CN113627944A (en) * 2021-08-10 2021-11-09 宜宾凯翼汽车有限公司 Automobile online payment system and method
CN114220235A (en) * 2022-01-17 2022-03-22 中国银联股份有限公司 Vehicle-mounted payment method, terminal, server, system and medium

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