CN108280634B - Payment method and system, automobile, toll terminal and medium - Google Patents

Payment method and system, automobile, toll terminal and medium Download PDF

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Publication number
CN108280634B
CN108280634B CN201810141792.2A CN201810141792A CN108280634B CN 108280634 B CN108280634 B CN 108280634B CN 201810141792 A CN201810141792 A CN 201810141792A CN 108280634 B CN108280634 B CN 108280634B
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payment
remote communication
communication network
automobile
network
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CN108280634A (en
Inventor
吴满原
张伟
郭成
沈海寅
季申
翟翌华
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Zhicheauto Technology Beijing Co ltd
Shenzhen Turing Singularity Intelligent Technology Co ltd
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Zhicheauto Technology Beijing Co ltd
Shenzhen Turing Singularity Intelligent Technology Co ltd
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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR 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
    • G06Q20/04—Payment circuits
    • G06Q20/06—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
    • G06Q20/065—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme using e-cash
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR 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
    • G06Q20/085—Payment architectures involving remote charge determination or related payment systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR 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
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3223—Realising banking transactions through M-devices
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR 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
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR 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
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/42—Confirmation, e.g. check or permission by the legal debtor of payment

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  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Finance (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Management, Administration, Business Operations System, And Electronic Commerce (AREA)
  • Devices For Checking Fares Or Tickets At Control Points (AREA)

Abstract

The embodiment of the invention discloses an automobile payment method and system, an automobile, a toll terminal and a storage medium. The method comprises the following steps: a client sends a fee payment request to a server through a telecommunication network, wherein the client comprises one of an automobile paying the fee and a charging terminal collecting the fee; and the client receives payment confirmation information sent by the server after the payment of the fee is finished through the remote communication network. The embodiment of the invention can improve the use experience of the user.

Description

Payment method and system, automobile, toll terminal and medium
Technical Field
The invention belongs to the technical field of automobiles, and particularly relates to an automobile payment method and system, an automobile, a toll terminal and a storage medium.
Background
With the rapid development of the automobile industry, automobiles have gradually become a main vehicle for people to go out daily, and the automobiles are frequently subjected to a plurality of payment situations in daily use, such as: at present, the payment methods commonly used in the situations mainly include: cash payment, mobile APP payment, card swiping payment, special terminal payment, etc., however these payment methods are still not convenient enough for the payment of cars in daily use and there is room for improvement.
Disclosure of Invention
The embodiment of the invention provides an automobile payment method and system, an automobile, a toll terminal and a storage medium, which can improve the convenience of automobile payment.
According to an aspect of an embodiment of the present invention, there is provided an automobile payment method, including:
a client sends a fee payment request to a server through a telecommunication network, wherein the client comprises one of an automobile paying the fee and a charging terminal collecting the fee;
and the client receives payment confirmation information sent by the server after the payment of the fee is finished through the remote communication network.
Optionally, in any one of the above method embodiments of the present invention, the client includes the charging terminal, and the client sends a payment request to the vehicle through the remote communication network while sending the payment request to the server through the remote communication network, where the payment request includes a payment amount;
the method further comprises the following steps:
and the automobile confirms the payment amount in the expense payment request and sends payment amount confirmation information to the server through the remote communication network.
Optionally, in any one of the method embodiments of the present invention, while the client receives, through the remote communication network, payment confirmation information sent by the server after the payment of the fee is completed, the automobile further receives, through the remote communication network, the payment confirmation information sent by the server after the payment of the fee is completed.
Optionally, in any one of the above method embodiments of the present invention, the client includes the automobile, and the client sends the fee payment request to the toll terminal through the remote communication network while sending the fee payment request to the service terminal through the remote communication network;
the method further comprises the following steps:
the charging terminal confirms the payment amount according to the fee payment request and sends the payment amount to the client terminal through the remote communication network;
and the client confirms the payment amount and sends the payment amount to the server through the remote communication network.
Optionally, in any one of the method embodiments of the present invention, while the client receives, through the remote communication network, payment confirmation information sent by the server after the payment of the fee is completed, the charging end further receives, through the remote communication network, the payment confirmation information sent by the server after the payment of the fee is completed.
Optionally, in any one of the method embodiments of the present invention, before the sending, by the client, a request for payment of the fee to the server through the remote communication network, the method further includes:
the charging end sends a fee payment request to the automobile through near field communication connection, wherein the fee payment request comprises payment amount;
the vehicle confirms the payment amount in the fee payment request.
Optionally, in any one of the method embodiments of the present invention, before the sending, by the client, a request for payment of the fee to the server through the remote communication network, the method further includes:
the automobile sends a fee payment request to the toll terminal through near field communication connection;
the charging end confirms the payment amount according to the fee payment request and sends the payment amount to the automobile through the near field communication connection;
the vehicle confirms the payment amount.
Optionally, in any one of the method embodiments of the present invention, the client includes the charging terminal, and before the client sends the request for payment of the fee to the server through the remote communication network, the method further includes:
and the automobile sends payment amount confirmation information to the client through the near field communication connection.
Optionally, in any one of the method embodiments of the present invention, after the receiving, by the client, payment confirmation information sent by the server after the payment of the fee is completed through the remote communication network, the method further includes:
and the client side sends the payment confirmation information to the automobile through the near field communication connection.
Optionally, in any one of the above method embodiments of the present invention, the client includes the automobile, and the sending, by the client, the payment request to the server through the remote communication network includes:
and the client sends a payment request comprising the payment amount to a server through the remote communication network.
Optionally, in any one of the method embodiments of the present invention, after the receiving, by the client, payment confirmation information sent by the server after the payment of the fee is completed through the remote communication network, the method further includes:
and the client sends the payment confirmation information to the charging terminal through the near field communication connection.
Optionally, in any one of the method embodiments of the present invention, sending, by the client, a payment request to the server through a remote communication network includes:
in response to the client connecting with a telecommunication network, the client sends a request for payment of a fee to a server via the telecommunication network.
Optionally, in any of the above method embodiments of the present invention, the client comprises the charging terminal,
after the client receives payment confirmation information sent by the server after the payment of the fee is completed through the remote communication network, the method further comprises the following steps:
responding to the connection of the automobile and the remote communication network, and receiving the payment confirmation information sent by the server side through the remote communication network by the automobile; or
The client comprises the automobile and is connected with the client,
after the client receives payment confirmation information sent by the server after the payment of the fee is completed through the remote communication network, the method further comprises the following steps:
and responding to the connection between the charging terminal and the remote communication network, and the charging terminal receives the payment confirmation information sent by the service terminal through the remote communication network.
According to another aspect of the embodiments of the present invention, there is provided an automobile payment method, including:
receiving a fee payment request transmitted from a client including one of an automobile paying the fee and a toll terminal collecting the fee through a telecommunication network;
according to the fee payment request, deducting and posting from the account of the automobile to the account of the charging terminal to complete the fee payment;
sending payment confirmation information to the client over the telecommunications network.
Optionally, in any one of the method embodiments of the present invention, the client includes the charging terminal, the request for payment of fee includes a payment amount, and after receiving the request for payment of fee sent by the client through the remote communication network, the method further includes:
receiving payment amount confirmation information sent by the automobile through the remote communication network;
the charging payment is completed from the account of the automobile to the account of the charging terminal according to the charging payment request, and the method comprises the following steps:
and in response to the received payment amount confirmation information, deducting from the account of the automobile and posting to the account of the charging terminal according to the fee payment request to complete the fee payment.
Optionally, in any one of the above method embodiments of the present invention, the payment confirmation information is sent to the vehicle through the remote communication network while the payment confirmation information is sent to the client through the remote communication network.
Optionally, in any one of the above method embodiments of the present invention, after the receiving, by the remote communication network, a request for payment sent by the client, the method further includes:
receiving the payment amount sent by the client through the remote communication network;
the charging payment is completed from the account of the automobile to the account of the charging terminal according to the charging payment request, and the method comprises the following steps:
and in response to receiving the payment amount, deducting and posting from the account of the automobile to the account of the charging terminal according to the payment amount and the fee payment request to complete the fee payment.
Optionally, in any one of the method embodiments of the present invention, while sending the payment confirmation information to the client through the remote communication network, the payment confirmation information is also sent to the charging terminal through the remote communication network.
Optionally, in any of the above method embodiments of the present invention, the client comprises the charging terminal,
after sending the payment confirmation information to the client through the telecommunication network, the method further includes:
in response to the vehicle connecting with the remote communications network, sending the payment confirmation information to the vehicle over the remote communications network; or
The client comprises the automobile and is connected with the client,
after sending the payment confirmation information to the client through the telecommunication network, the method further includes:
and responding to the connection of the charging terminal and the remote communication network, and sending the payment confirmation information to the charging terminal through the remote communication network.
Optionally, in any one of the method embodiments of the present invention, the charging the account of the vehicle to the account of the toll terminal according to the fee payment request includes:
and according to the fee payment request, deducting and posting from a bank account bound with the block chain account of the automobile to a bank account bound with the block chain account of the charging terminal through a bank network connected with the block chain network, completing the fee payment by using legal currency, and recording payment information in the block chain network.
According to still another aspect of an embodiment of the present invention, there is provided an automobile including:
a remote communication unit for transmitting a charge payment request to the server through a remote communication network; and receiving payment confirmation information sent by the server after the payment of the fee is completed through the remote communication network.
Optionally, in any of the above automobile embodiments of the present invention, the remote communication unit is further configured to send the fee payment request to a toll terminal through the remote communication network; and receiving the payment amount sent by the charging terminal through the remote communication network, wherein the payment amount is confirmed by the charging terminal according to the fee payment request; and sending the payment amount to the server over the telecommunications network;
the automobile further includes: and the payment amount confirmation unit is used for confirming the payment amount.
Optionally, in any of the foregoing automobile embodiments of the present invention, the remote communication unit is further configured to receive, through the remote communication network, the fee payment request sent by the charging terminal, where the fee payment request includes a payment amount; sending payment amount confirmation information to the server through the remote communication network;
the payment amount confirmation unit is further configured to confirm the payment amount in the charge payment request.
Optionally, in any of the above automobile embodiments of the present invention, the method further includes:
the near field communication unit is used for sending a fee payment request to the charging terminal through a near field communication connection; and receiving the payment amount sent by the charging terminal through the near field communication connection, wherein the payment amount is confirmed by the charging terminal according to the fee payment request.
Optionally, in any of the foregoing automobile embodiments of the present invention, the near field communication unit is further configured to receive, through the near field communication connection, a fee payment request sent by the charging terminal, where the fee payment request includes a payment amount.
Optionally, in any one of the above automobile embodiments of the present invention, the near field communication unit is further configured to send payment amount confirmation information to the toll collector through the near field communication connection; and receiving the payment confirmation information sent by the charging terminal through the near field communication connection.
Optionally, in any of the foregoing automobile embodiments of the present invention, after the payment amount is confirmed through the nfc connection, the remote communication unit is specifically configured to send a payment request including the payment amount to a server through the remote communication network;
the near field communication unit is also used for sending the payment confirmation information to the charging terminal through the near field communication connection.
Optionally, in any of the above automobile embodiments of the invention, the remote communication unit is specifically configured to send a payment request to the server via a remote communication network in response to connecting to the remote communication network.
Optionally, in any of the foregoing automobile embodiments of the present invention, the remote communication unit is specifically configured to receive, through a remote communication network, the payment confirmation information sent by the server in response to connection with the remote communication network.
According to still another aspect of an embodiment of the present invention, there is provided a charging terminal including:
a remote communication unit for transmitting a charge payment request to the server through a remote communication network; and receiving payment confirmation information sent by the server after the payment of the fee is completed through the remote communication network.
Optionally, in any of the aforementioned embodiments of the toll terminal of the present invention, the remote communication unit is further configured to send the request for payment of fee to the vehicle through the remote communication network, where the request for payment of fee includes a payment amount.
Optionally, in any of the aforementioned toll terminal embodiments of the present invention, the remote communication unit is further configured to receive the fee payment request sent by the automobile through the remote communication network; and sending a payment amount to the car over the telecommunications network;
the charging terminal further comprises: and the payment amount confirmation unit is used for confirming the payment amount according to the expense payment request.
Optionally, in any of the aforementioned embodiments of the charging terminal of the present invention, further includes:
and the near field communication unit is used for sending a fee payment request to the automobile through near field communication connection, wherein the fee payment request comprises payment amount.
Optionally, in any embodiment of the toll collector of the present invention, the near field communication unit is further configured to receive a payment request sent by the vehicle through the near field communication connection; and sending a payment amount to the car via the near field communication connection.
Optionally, in any embodiment of the toll collector of the present invention, the near field communication unit is further configured to receive payment amount confirmation information sent by the automobile through the near field communication connection; and sending the payment confirmation information to the automobile through the near field communication connection.
Optionally, in any embodiment of the toll-gate above in the present invention, the near field communication unit is further configured to receive the payment confirmation information sent by the automobile through the near field communication connection.
Optionally, in any of the aforementioned embodiments of the charging terminal of the present invention, the remote communication unit is specifically configured to send a request for payment of the fee to the server terminal through the remote communication network in response to connection with the remote communication network.
Optionally, in any embodiment of the aforementioned charging terminal of the present invention, the remote communication unit is specifically configured to receive, through a remote communication network, the payment confirmation information sent by the server terminal in response to connection with the remote communication network.
According to still another aspect of the embodiments of the present invention, there is provided a server, including:
a blockchain network for receiving a fee payment request transmitted from a client including one of an automobile paying the fee and a toll terminal collecting the fee through a telecommunication network; according to the fee payment request, deducting and posting from the account of the automobile to the account of the charging terminal to complete the fee payment; and sending payment confirmation information to the client through the remote communication network.
Optionally, in any one of the server embodiments of the present invention, the client includes the charging terminal, and the block chain network is further configured to receive the payment amount confirmation information sent by the vehicle through the remote communication network;
the block chain network is specifically used for responding to the received payment amount confirmation information, and deducting and posting the account of the automobile to the account of the charging terminal according to the fee payment request to complete the fee payment.
Optionally, in any of the above server-side embodiments of the present invention, the block chain network is further configured to send the payment confirmation information to the automobile through the remote communication network.
Optionally, in any of the above server embodiments of the present invention, the client includes the automobile, and the blockchain network is further configured to receive, through the remote communication network, a payment amount sent by the client;
the block chain network is specifically used for responding to the received payment amount, and deducting and posting the account of the automobile to the account of the charging terminal according to the payment amount and the fee payment request to complete the fee payment.
Optionally, in any of the above server-side embodiments of the present invention, the block chain network is further configured to send the payment confirmation information to the charging side through the remote communication network.
Optionally, in any one of the server embodiments of the present invention above, the client includes the charging terminal, and the block chain network is further configured to send the payment confirmation information to the automobile through the remote communication network in response to the automobile being connected to the remote communication network; or
The client comprises the automobile, and the block chain network is further used for responding to the connection between the toll collector and the remote communication network and sending the payment confirmation information to the toll collector through the remote communication network.
Optionally, in any of the server-side embodiments of the present invention, the blockchain network is specifically configured to deduct money from a bank account bound to the blockchain account of the vehicle to a bank account bound to the blockchain account of the charging terminal through a bank network connected to the blockchain network according to the charge payment request, complete the charge payment by using legal currency, and record payment information in the blockchain network.
According to still another aspect of an embodiment of the present invention, there is provided an automobile payment system including: the car of any embodiment above, the toll terminal of any embodiment above, and the service terminal of any embodiment above.
According to a further aspect of the embodiments of the present invention, there is provided a computer program, including computer readable code, which when run on a device, a processor in the device executes instructions for implementing the steps of the method according to any of the above embodiments.
According to yet another aspect of the embodiments of the present invention, a computer storage medium is provided for storing computer-readable instructions, which when executed perform the operations of the method according to any of the above embodiments.
Based on the automobile payment method and system, the automobile, the toll terminal, the server, the computer program and the storage medium provided by the embodiment of the invention, the automobile can be used as an internet of things terminal to directly participate in payment settlement of related scenes, the convenience of payment when the automobile meets the condition of needing payment in daily use can be improved, and the use experience of a user can be improved.
Drawings
The accompanying drawings, which are incorporated in and constitute a part of this specification, illustrate embodiments of the invention and together with the description, serve to explain the principles of the invention.
The invention will be more clearly understood from the following detailed description, taken with reference to the accompanying drawings, in which:
FIG. 1 is a flow chart of some embodiments of an automotive payment method of embodiments of the present invention.
FIG. 2 is a flow chart of further embodiments of an automobile payment method according to embodiments of the present invention.
FIG. 3 is a flow chart of yet further embodiments of the vehicle payment method of embodiments of the present invention.
Fig. 4 is a flow chart of further embodiments of the vehicle payment method of embodiments of the present invention.
Fig. 5 is a flow chart of further embodiments of the vehicle payment method of embodiments of the present invention.
Fig. 6A to 6F are schematic diagrams of some specific embodiments of a car payment method according to an embodiment of the present invention.
Fig. 7 is a flow chart of further embodiments of the vehicle payment method of embodiments of the present invention.
FIG. 8 is a schematic structural diagram of some embodiments of an automobile according to embodiments of the present invention.
Fig. 9 is a schematic structural diagram of some embodiments of the charging terminal according to the embodiments of the present invention.
Detailed Description
Various exemplary embodiments of the present invention will now be described in detail with reference to the accompanying drawings. It should be noted that: the relative arrangement of the components, the numerical expressions, and numerical values set forth in these embodiments do not limit the scope of the present invention unless specifically stated otherwise.
Meanwhile, it should be understood that the sizes of the respective portions shown in the drawings are not drawn in an actual proportional relationship for the convenience of description.
The following description of at least one exemplary embodiment is merely illustrative in nature and is in no way intended to limit the invention, its application, or uses.
Techniques, methods, and apparatus known to those of ordinary skill in the relevant art may not be discussed in detail but are intended to be part of the specification where appropriate.
It should be noted that: like reference numbers and letters refer to like items in the following figures, and thus, once an item is defined in one figure, further discussion thereof is not required in subsequent figures.
At present, the charging industry mainly adopts a card swiping and network charging system, card swiping payment belongs to off-line transaction at present, personal consumption and recharging records cannot be inquired at any time for a consumer, the card swiping payment is easy to crack for an operator, the risk of recharging fund problems is high, and the management and control requirements on the card swiping payment are high; at present, the network payment mainly adopts centralized management, and an individual account cannot be associated with other accounts. Both authorizations and credibility of payments are achieved through the auditing of each transaction, with the cost increasing exponentially as a company grows larger and larger, and with the corresponding increase in user costs.
FIG. 1 is a flow chart of some embodiments of an automotive payment method of embodiments of the present invention. It should be understood that the example shown in fig. 1 is only for helping those skilled in the art to better understand the technical solution of the present disclosure, and should not be construed as limiting the present disclosure. Those skilled in the art can make various changes on the basis of fig. 1, and such changes should also be understood as part of the disclosed solution.
As shown in fig. 1, the method includes:
and 102, the client sends a fee payment request to the server through the remote communication network, wherein the client comprises one of an automobile paying the fee and a charging terminal collecting the fee.
Optionally, when the automobile encounters a payment service in daily use, the user may initiate a fee payment request through the automobile, or initiate a fee payment request through the charging terminal, and upload the fee payment request to the server to complete payment of the fee, where the premise is that a service contract already exists or does not need to be pre-provisioned, in order to ensure security of the transaction, in one or more optional examples, a security unit chip may be provided in both the automobile and the charging terminal, for example, the security unit chip may be provided in a T-Box, a host controller VMS, or a battery manager BMS of the automobile, and the security unit chip conforms to the specification of the chinese financial mobile payment technology standard, and is used to store information such as an account number of the automobile and an account number of the charging terminal, and perform security operation for ensuring the transaction of the relevant account number, for example: encryption, digest, and signature operations are performed to prevent interception, tampering, and counterfeiting of transaction information.
In one or more alternative examples, the telecommunication network may be a wired network, a wireless network, or a plurality of network forms, the toll terminal may support wired telecommunication and/or wireless telecommunication, and the vehicle may support wireless telecommunication.
And 104, the client receives payment confirmation information sent by the server after the payment of the fee is finished through the remote communication network.
Based on the automobile payment method provided by the embodiment of the invention, the client sends the payment request to the server by using the remote communication network, and receives the payment confirmation information sent by the server after the payment is completed by using the remote communication network, wherein the client comprises one of an automobile paying the fee and a charging terminal receiving the fee, and the automobile is used as an internet of things terminal to directly participate in the payment settlement of the related scene, so that the payment convenience of the automobile in daily use when meeting the condition of needing payment can be improved, and the use experience of a user can be improved.
The automobile payment method provided by the embodiment of the invention can realize online transaction and offline transaction through a remote communication technology and a near field communication technology, thereby meeting the requirements of different application scenes. The system comprises a vehicle, a toll terminal, a Near Field Communication (NFC) connection, a server and a Near Field Communication (NFC) connection, wherein the vehicle and the toll terminal are required to be connected with the NFC network for on-line transaction, the real-time confirmation and the check-in of payment are realized through the telecommunication network, when only one of the vehicle and the toll terminal is connected with the telecommunication network, the real-time confirmation process of payment of the two parties is required to be completed through the NFC connection, the NFC technology can comprise Bluetooth, NFC and other technologies capable of realizing near field two-way communication, the off-line transaction is realized when the two parties of the vehicle and the toll terminal cannot be connected with the telecommunication network, or in order to accelerate the speed of on-site transaction, the off-line payment is carried out through the NFC.
The related flow of the online transaction will be described in detail below with reference to the examples of fig. 2 and 3.
It should be understood that the examples shown in fig. 2 and 3 are only for helping those skilled in the art to better understand the technical solution of the present disclosure, and should not be construed as limiting the present disclosure. Those skilled in the art can make various changes on the basis of fig. 2 and 3, and such changes should also be understood as part of the disclosed solution.
As shown in fig. 2, the client may comprise a charging terminal, and the method comprises:
202, the client sends a fee payment request to the server through the remote communication network, and simultaneously sends a fee payment request to the automobile through the remote communication network, wherein the fee payment request comprises payment amount.
And 204, the automobile confirms the payment amount in the expense payment request and sends payment amount confirmation information to the server through the remote communication network.
206, the client receives payment confirmation information sent by the server after the payment of the fee is completed through the remote communication network, and meanwhile, the automobile receives payment confirmation information sent by the server after the payment of the fee is completed through the remote communication network.
In an alternative example, as shown in fig. 6A, the car may be an intelligent car, the intelligent car includes a sensor, a T-Box, and a VMS, and the toll terminal includes: the system comprises a business module, an operation module and a communication module, wherein a server can be a background network and comprises: in this embodiment, the intelligent vehicle and the toll terminal are connected to a remote communication network, so that online transaction will be performed, and the specific process is described as follows: as shown in fig. 6A, a toll collection is initiated by a toll collection end, that is, a request for payment of a fee is made, the background network and the intelligent vehicle receive the request for payment through the remote communication network, the intelligent vehicle confirms a payment amount in the request for payment through the vehicle-mounted system, and sends a payment amount confirmation message to the server end through the remote communication network after confirming the payment amount, the background network deducts a payment from an account of the intelligent vehicle to enter the account of the toll collection end according to the request for payment after receiving the payment amount confirmation message, and then sends payment confirmation messages to the toll collection end and the intelligent vehicle through the remote communication network, and the whole payment process is completed after the toll collection end and the intelligent vehicle receive the payment confirmation messages.
As shown in fig. 3, the client may comprise an automobile, and the method comprises:
and 302, the client sends a fee payment request to the server through the remote communication network, and simultaneously sends a fee payment request to the charging terminal through the remote communication network.
The charging terminal confirms the payment amount according to the charge payment request and transmits the payment amount to the client terminal through the telecommunication network 304.
The client confirms the payment amount and sends the payment amount to the server over the telecommunication network 306.
308, the client receives payment confirmation information sent by the server after the payment of the fee is completed through the remote communication network, and the charging end receives payment confirmation information sent by the server after the payment of the fee is completed through the remote communication network.
In an alternative example, as shown in fig. 6B, the car may be an intelligent car, the intelligent car includes a sensor, a T-Box, and a VMS, and the toll terminal includes: the system comprises a business module, an operation module and a communication module, wherein a server can be a background network and comprises: in this embodiment, the intelligent vehicle and the toll terminal are connected to a remote communication network, so that online transaction will be performed, and the specific process is described as follows: as shown in fig. 6B, the smart car initiates payment, that is, a payment request, the background network and the charging terminal receive the payment request through the remote communication network, the charging terminal confirms the payment amount according to the payment request, and sends the payment amount to the smart car through the remote communication network after confirming the payment amount, the smart car confirms the payment amount through the vehicle-mounted system, and sends the payment amount to the background network through the remote communication network after confirming the payment amount, the background network deducts a charge from an account of the smart car to enter the account of the charging terminal according to the payment request after receiving the payment amount to complete payment of the fee, then sends payment confirmation information to the charging terminal and the smart car through the remote communication network, and the whole payment process is completed after the charging terminal and the smart car receive the payment confirmation information.
Since confirmation of payment through near field communication is required both when performing an off-line transaction and when performing an on-line transaction in which only one party of the vehicle and the toll terminal is connected to the remote communication network, the flow of payment confirmation through near field communication will be described in detail below with reference to the examples of fig. 4 and 5.
It should be understood that the examples shown in fig. 4 and 5 are only for helping those skilled in the art to better understand the technical solution of the present disclosure, and should not be construed as limiting the present disclosure. Those skilled in the art can make various changes on the basis of fig. 4 and 5, and such changes should also be understood as part of the disclosed solution.
As shown in fig. 4, in the example where the charging end initiates a charging request, before the client sends a fee payment request to the server end through the telecommunication network, the method includes:
402, the charging terminal sends a charge payment request to the automobile through the near field communication connection, wherein the charge payment request comprises the payment amount.
The vehicle confirms 404 the payment amount in the payment request.
As shown in fig. 5, in the case where the vehicle initiates a payment request, before the client sends a payment request to the server via the telecommunication network, the method includes:
the car sends a request for payment of a fee to the toll terminal over the near field communication connection 502.
And 504, the charging terminal confirms the payment amount according to the fee payment request and sends the payment amount to the automobile through the near field communication connection.
The car confirms 506 the payment amount.
After completing the confirmation process of fig. 4 or fig. 5, in an optional example, the client may include a charging terminal, and before the client sends the payment request to the server through the telecommunication network, the vehicle may further send payment amount confirmation information to the client through the near field communication connection, and optionally, after the client receives payment confirmation information sent by the server after completing the payment of the fee through the telecommunication network, the client may further send payment confirmation information to the vehicle through the near field communication connection. In another optional example, the client may include an automobile, the fee payment request sent by the client to the server through the remote communication network may be a fee payment request including a payment amount, and optionally, the client may further send payment confirmation information to the toll collector through the near field communication connection after receiving payment confirmation information sent by the server after completing fee payment through the remote communication network.
Alternatively, the client may send a payment request to the server through the telecommunication network in response to connecting with the telecommunication network, and in an alternative example, the client may include a charging terminal, and after the client receives payment confirmation information sent by the server after the payment is completed through the telecommunication network, the vehicle may also receive the payment confirmation information sent by the server through the telecommunication network in response to connecting with the telecommunication network. In another alternative example, the client may include an automobile, and after the client receives the payment confirmation information sent by the server after the payment of the fee is completed through the remote communication network, the charging terminal may further receive the payment confirmation information sent by the server through the remote communication network in response to the connection with the remote communication network.
In an alternative example, as shown in fig. 6C, the car may be an intelligent car, the intelligent car includes a sensor, a T-Box, and a VMS, and the toll terminal includes: the system comprises a business module, an operation module and a communication module, wherein a server can be a background network and comprises: in this embodiment, the charging terminal is connected to a remote communication network, and the smart car is not connected to the remote communication network, so that an online transaction will be performed, and a specific process thereof is described as follows: as shown in fig. 6C, the toll terminal initiates a payment request, the toll terminal sends the payment request to the smart car through the nfc connection, the smart car confirms that the payment request includes the payment amount through the vehicle-mounted system after receiving the payment request, and sends payment amount confirmation information to the charging terminal through near field communication connection after confirming the payment amount, the charging terminal sends a payment request to the background network through the remote communication network after receiving the payment amount confirmation information, the background network deducts money from the account of the intelligent automobile and enters the account of the charging terminal according to the payment request after receiving the payment request to complete the payment of the fee, and then sending payment confirmation information to the toll collection end through a remote communication network, sending the payment confirmation information to the intelligent automobile through near field communication connection after the toll collection end receives the payment confirmation information, and finishing the whole payment process after the intelligent automobile receives the payment confirmation information.
In another alternative example, as shown in fig. 6D, the car may be an intelligent car, the intelligent car includes a sensor, a T-Box, and a VMS, and the toll terminal includes: the system comprises a business module, an operation module and a communication module, wherein a server can be a background network and comprises: in this embodiment, the charging terminal is connected to a remote communication network, and the smart car is not connected to the remote communication network, so that an online transaction will be performed, and a specific process thereof is described as follows: as shown in fig. 6D, a payment is initiated by the smart car, i.e. a request for payment of a fee, the smart car sends a payment request to the toll collector through the near field communication connection, the toll collector confirms the payment amount according to the payment request after receiving the payment request, and sends the payment amount to the smart car through the near field communication connection after confirming the payment amount, the smart car confirms the payment amount through the vehicle-mounted system after receiving the payment amount, and sends a payment amount confirmation message to the toll collector through the near field communication connection after confirming the payment amount, the toll collector sends a payment request to the background network through the remote communication network after receiving the payment amount confirmation message, the background network deducts a bill from an account of the smart car to the account of the toll collector according to the payment request after receiving the payment request, and then sends the payment confirmation message to the toll collector through the remote communication network, and the toll terminal sends payment confirmation information to the intelligent automobile through near field communication connection after receiving the payment confirmation information, and the intelligent automobile completes the whole payment process after receiving the payment confirmation information.
Optionally, when the smart car is connected to the remote communication network and the toll collector is not connected to the remote communication network, the processing flow differs from the above processing flow mainly in that: after the payment amount is confirmed, the intelligent automobile records the payment amount into a fee payment request, the intelligent automobile sends the fee payment request including the payment amount to the background network through the remote communication network, the background network sends payment confirmation information to the intelligent automobile through the remote communication network after the payment of the fee is completed, the intelligent automobile sends the payment confirmation information to the toll terminal through the near field communication connection after receiving the payment confirmation information, and the whole payment process is completed after the toll terminal receives the payment confirmation information.
In yet another alternative example, as shown in fig. 6E, the car may be an intelligent car, the intelligent car includes a sensor, a T-Box, and a VMS, and the toll terminal includes: the system comprises a business module, an operation module and a communication module, wherein a server can be a background network and comprises: in this embodiment, the toll terminal and the intelligent vehicle are not connected to the remote communication network, so that an offline transaction will be performed, and a specific process thereof is described as follows: as shown in fig. 6E, a charging end initiates a charging, i.e. a fee payment request, the charging end sends a fee payment request to the intelligent vehicle through the near field communication connection, the intelligent vehicle confirms that the fee payment request includes a payment amount through the vehicle-mounted system after receiving the fee payment request, sends payment amount confirmation information to the charging end through the near field communication connection after confirming the payment amount, and completes offline payment, when the charging end is connected with the remote communication network and resumes communication, the charging end sends the payment request to the background network through the remote communication network, the background network deducts money from an account of the intelligent vehicle according to the payment request after receiving the payment request and completes payment of the fee to the account of the charging end, and then sends the payment confirmation information to the charging end through the remote communication network, the charging end receives the payment confirmation information, and the intelligent vehicle is connected with the remote communication network, after communication is recovered, the intelligent automobile receives payment confirmation information sent by the background network through the remote communication network, and the whole payment process is completed after the intelligent automobile receives the payment confirmation information.
In yet another alternative example, as shown in fig. 6F, the car may be an intelligent car, the intelligent car includes a sensor, a T-Box, and a VMS, and the toll terminal includes: the system comprises a business module, an operation module and a communication module, wherein a server can be a background network and comprises: in this embodiment, the toll terminal and the intelligent vehicle are not connected to the remote communication network, so that an offline transaction will be performed, and a specific process thereof is described as follows: as shown in fig. 6F, a payment is initiated by the smart car, i.e. a request for payment of a fee, the smart car sends a payment request to the toll collector through the near field communication connection, the toll collector confirms the payment amount according to the payment request after receiving the payment request, and sends the payment amount to the smart car through the near field communication connection after confirming the payment amount, the smart car confirms the payment amount through the vehicle-mounted system after receiving the payment amount, and sends a payment amount confirmation message to the toll collector through the near field communication connection after confirming the payment amount, so as to complete off-line payment, when the toll collector is connected with the remote communication network and communication is recovered, the toll collector sends the payment request to the background network through the remote communication network, the background network deducts a fee from an account of the smart car according to the payment request after receiving the payment request, enters the account of the toll collector to complete payment of the fee, and then sends the payment confirmation message to the toll collector, and the charging end receives the payment confirmation information, after the intelligent automobile is connected with the remote communication network and communication is recovered, the intelligent automobile receives the payment confirmation information sent by the background network through the remote communication network, and the whole payment process is completed after the intelligent automobile receives the payment confirmation information.
Optionally, when the smart car is connected to the remote communication network first to recover communication, and the toll terminal is connected to the remote communication network later to recover communication, the difference between the processing flow and the above processing flow is mainly as follows: after the payment amount is confirmed, the intelligent automobile records the payment amount into a fee payment request, the intelligent automobile sends the fee payment request including the payment amount to the background network through the remote communication network, the background network sends payment confirmation information to the intelligent automobile through the remote communication network after the payment of the fee is completed, the toll terminal is connected with the remote communication network, after the communication is recovered, the toll terminal receives the payment confirmation information sent by the background network through the remote communication network, and the whole payment process is completed after the toll terminal receives the payment confirmation information.
Fig. 7 is a flow chart of further embodiments of the vehicle payment method of embodiments of the present invention. It should be understood that the example shown in fig. 7 is only for helping those skilled in the art to better understand the technical solution of the present disclosure, and should not be construed as limiting the present disclosure. Those skilled in the art can make various changes on the basis of fig. 4, and such changes should also be understood as part of the disclosed solution.
As shown in fig. 7, the method includes:
and 702, receiving a fee payment request sent by a client through a telecommunication network, wherein the client comprises one of a car paying the fee and a toll terminal collecting the fee.
And 704, according to the fee payment request, deducting from the account of the automobile and posting to the account of the charging terminal to complete fee payment.
In an optional example, the payment of the fee may be made by legal currency, then the account of the vehicle and the account of the charging terminal may both be bank accounts, at this time, the blockchain network may be connected to the bank network, the bank account bound to the blockchain account of the vehicle may be debited and credited to the bank account bound to the blockchain account of the charging terminal through the bank network connected to the blockchain network according to the fee payment request, the fee payment may be completed by the legal currency, and the payment information may be recorded in the blockchain network.
Optionally, the embodiment of the present invention does not limit the type of goods used for payment and the type of account.
The payment confirmation message is sent 706 to the client over the telecommunication network.
In an optional example, the vehicle and the toll terminal are both connected to a remote communication network, and the client may include the toll terminal, and after receiving a request for payment of a fee sent by the client through the remote communication network, may also receive confirmation information of a payment amount sent by the vehicle through the remote communication network, and then, in response to receiving the confirmation information of the payment amount, deduct a payment from an account of the vehicle to an account of the toll terminal according to the request for payment of the fee to complete the payment of the fee, and optionally, at the same time, send the confirmation information of payment to the client through the remote communication network, may also send the confirmation information of payment to the vehicle through the remote communication network.
In another optional example, the vehicle and the toll terminal are both connected to a remote communication network, the client may include the vehicle, after receiving a request for payment of a fee sent by the client through the remote communication network, the payment amount sent by the client may also be received through the remote communication network, and then, in response to receiving the payment amount, the payment amount is debited from an account of the vehicle to an account of the toll terminal according to the payment amount and the request for payment of the fee, and optionally, the payment confirmation information may also be sent to the toll terminal through the remote communication network while sending the payment confirmation information to the client through the remote communication network.
In yet another alternative example, the vehicle and the toll terminal are not initially connected to the telecommunication network, and then offline payment is performed, the toll terminal is first connected to the telecommunication network and communication is resumed, and then the client may include the toll terminal, and the vehicle is then connected to the telecommunication network and communication is resumed, and after sending payment confirmation information to the client via the telecommunication network, payment confirmation information may be sent to the vehicle via the telecommunication network in response to the vehicle being connected to the telecommunication network.
In yet another alternative example, the vehicle and the toll collector are not initially connected to the telecommunication network, the off-line payment is performed, the vehicle is first connected to the telecommunication network, the communication is resumed, the client may include the vehicle, the toll collector is then connected to the telecommunication network, the communication is resumed, and after the payment confirmation information is sent to the client through the telecommunication network, the payment confirmation information may be sent to the toll collector through the telecommunication network in response to the connection of the toll collector to the telecommunication network.
Based on the automobile payment method provided by the embodiment of the invention, the remote communication network is utilized to receive the fee payment request sent by the client, wherein the client comprises one of the automobile for paying the fee and the charging terminal for receiving the fee, the fee payment is completed from the account of the automobile to the account of the charging terminal according to the fee payment request, then the remote communication network is utilized to send payment confirmation information to the client, the automobile is used as an internet of things terminal and directly participates in the payment settlement of the relevant scene, the convenience of payment when the automobile meets the condition needing payment in daily use can be improved, and the use experience of a user can be improved.
FIG. 8 is a schematic structural diagram of some embodiments of an automobile according to embodiments of the present invention. It should be understood that the example shown in fig. 8 is only for helping those skilled in the art to better understand the technical solution of the present disclosure, and should not be construed as limiting the present disclosure. Those skilled in the art can make various changes on the basis of fig. 8, and such changes should also be understood as part of the disclosed solution.
As shown in fig. 8, the automobile includes: a remote communication unit for transmitting a charge payment request to the server through a remote communication network; and receiving payment confirmation information sent by the server after the payment of the fee is completed through the remote communication network.
Optionally, the remote communication unit may be further configured to send a fee payment request to the charging terminal through a remote communication network; receiving payment amount sent by the charging terminal through a remote communication network, wherein the payment amount is confirmed by the charging terminal according to the fee payment request; and sending the payment amount to the server through the remote communication network. The automobile may further include: and the payment amount confirmation unit is used for confirming the payment amount.
Optionally, the remote communication unit may be further configured to receive, through the remote communication network, a request for payment sent by the charging terminal, where the request for payment includes a payment amount; and sending payment amount confirmation information to the server through the remote communication network. The payment-amount confirming unit may be further configured to confirm the payment amount in the charge payment request.
Optionally, as shown in fig. 8, the automobile may further include: the near field communication unit is used for sending a fee payment request to the charging terminal through the near field communication connection; and receiving the payment amount sent by the charging terminal through the near field communication connection, wherein the payment amount is confirmed by the charging terminal according to the fee payment request.
Optionally, the near field communication unit may be further configured to receive, through the near field communication connection, a fee payment request sent by the charging terminal, where the fee payment request includes a payment amount.
Optionally, the near field communication unit may be further configured to send payment amount confirmation information to the charging terminal through the near field communication connection; and receiving payment confirmation information sent by the charging terminal through the near field communication connection.
Alternatively, the remote communication unit may be configured to send a payment request including the payment amount to the server over the remote communication network after confirming the payment amount through the near field communication connection. The near field communication unit may be further configured to send payment confirmation information to the tollgate via the near field communication connection.
Alternatively, the remote communication unit may be configured to send a payment request to the server over the remote communication network in response to connecting to the remote communication network.
Optionally, the remote communication unit may be configured to receive payment confirmation information sent by the server through the remote communication network in response to connection with the remote communication network.
Fig. 9 is a schematic structural diagram of some embodiments of the charging terminal according to the embodiments of the present invention. It should be understood that the example shown in fig. 8 is only for helping those skilled in the art to better understand the technical solution of the present disclosure, and should not be construed as limiting the present disclosure. Those skilled in the art can make various changes on the basis of fig. 9, and such changes should also be understood as part of the disclosed solution.
As shown in fig. 9, the charging terminal includes: a remote communication unit for transmitting a charge payment request to the server through a remote communication network; and receiving payment confirmation information sent by the server after the payment of the fee is completed through the remote communication network.
Optionally, the remote communication unit may be further configured to send a payment request to the vehicle via the remote communication network, wherein the payment request includes the payment amount.
Optionally, the remote communication unit may be further configured to receive a payment request sent by the vehicle through a remote communication network; and sending the payment amount to the car over the telecommunications network. The charging terminal may further include: and the payment amount confirmation unit is used for confirming the payment amount according to the expense payment request.
Optionally, as shown in fig. 9, the charging terminal may further include: and the near field communication unit is used for sending a fee payment request to the automobile through the near field communication connection, wherein the fee payment request comprises the payment amount.
Optionally, the near field communication unit may be further configured to receive a payment request sent by the vehicle through the near field communication connection; and sending the payment amount to the car via the near field communication connection.
Optionally, the near field communication unit may be further configured to receive payment amount confirmation information sent by the automobile through the near field communication connection; and sending the payment confirmation information to the automobile through the near field communication connection.
Optionally, the near field communication unit may be further configured to receive payment confirmation information sent by the vehicle through the near field communication connection.
Alternatively, the remote communication unit may be configured to send a payment request to the server over the remote communication network in response to connecting to the remote communication network.
Optionally, the remote communication unit may be configured to receive payment confirmation information sent by the server through the remote communication network in response to connection with the remote communication network.
The server of the embodiment of the invention comprises: a blockchain network for receiving a fee payment request transmitted from a client through a telecommunication network, wherein the client includes one of an automobile paying the fee and a toll terminal collecting the fee; according to the fee payment request, deducting and posting from an account of the automobile to an account of a charging terminal to complete fee payment; and sending payment confirmation information to the client through the remote communication network.
In an optional example, the payment of the fee may be made in legal currency, then the account of the vehicle and the account of the charging terminal may both be bank accounts, at this time, the blockchain network may be connected to the bank network, the blockchain network may debit and enter the bank account bound to the blockchain account of the vehicle to the bank account bound to the blockchain account of the charging terminal through the bank network connected to the blockchain network according to the fee payment request, the fee payment is completed by using the legal currency, and at the same time, the payment information may be recorded in the blockchain network.
Optionally, the client may include a charging terminal, and the blockchain network may be further configured to receive payment amount confirmation information sent by the vehicle through the remote communication network; the blockchain network may be configured to, in response to receiving the payment amount confirmation message, complete a payment from the account of the vehicle to the account of the tollgate in accordance with the payment request. Optionally, the blockchain network may be further configured to send payment confirmation information to the vehicle via a telecommunications network.
Optionally, the client may comprise an automobile, and the blockchain network may be further configured to receive a payment amount sent by the client through the remote communication network; the blockchain network may be operable to debit an account of the vehicle to complete the payment to the account at the toll terminal in response to receiving the payment amount and the payment request. Optionally, the blockchain network may be further configured to send payment confirmation information to the charging terminal through the telecommunication network.
Alternatively, the client may comprise a toll terminal, and the blockchain network may be further operable to send payment confirmation information to the car over the telecommunications network in response to the car being connected to the telecommunications network.
Alternatively, the client may comprise an automobile, and the blockchain network may be further configured to send payment confirmation information to the tollgate over the telecommunications network in response to the tollgate connecting with the telecommunications network.
In addition, an embodiment of the present invention further provides an automobile payment system, including: the car of any embodiment above, the charging device of any embodiment above, and the server of any embodiment above.
In addition, the embodiment of the present invention further provides a computer program, which includes a computer readable code, and when the computer readable code runs on a device, a processor in the device executes instructions for implementing the steps in the automobile payment method according to any one of the above embodiments.
In addition, the embodiment of the present invention further provides a computer storage medium for storing computer readable instructions, where the instructions, when executed, perform the operations of the automobile payment method according to any one of the above embodiments of the present invention.
In the present specification, the embodiments are described in a progressive manner, each embodiment focuses on differences from other embodiments, and the same or similar parts in the embodiments are referred to each other. For the system embodiment, since it basically corresponds to the method embodiment, the description is relatively simple, and for the relevant points, reference may be made to the partial description of the method embodiment.
The method and apparatus, device of the present invention may be implemented in a number of ways. For example, the method, apparatus and device of the present invention may be implemented by software, hardware, firmware or any combination of software, hardware and firmware. The above-described order for the steps of the method is for illustrative purposes only, and the steps of the method of the present invention are not limited to the order specifically described above unless specifically indicated otherwise. Furthermore, in some embodiments, the present invention may also be embodied as a program recorded in a recording medium, the program including machine-readable instructions for implementing a method according to the present invention. Thus, the present invention also covers a recording medium storing a program for executing the method according to the present invention.
The description of the present invention has been presented for purposes of illustration and description, and is not intended to be exhaustive or limited to the invention in the form disclosed. Many modifications and variations will be apparent to practitioners skilled in this art. The embodiment was chosen and described in order to best explain the principles of the invention and the practical application, and to enable others of ordinary skill in the art to understand the invention for various embodiments with various modifications as are suited to the particular use contemplated.

Claims (5)

1. An automobile payment method, comprising:
under the condition that a charging end for charging is connected with a remote communication network, the charging end sends a charge payment request to a server end through the remote communication network, and also sends the charge payment request to an automobile for paying the charge through the remote communication network, wherein the charge payment request comprises payment amount; under the condition that the toll collection end cannot be connected with a remote communication network, the toll collection end sends the toll payment request to the automobile through near field communication connection, and sends the toll payment request to a server end through the remote communication network after being connected with the remote communication network;
after receiving the expense payment request, the automobile confirms the payment amount in the expense payment request, and sends payment amount confirmation information to the server through a remote communication network under the condition of being connected with the remote communication network;
and after receiving the expense payment request through a remote communication network, the block chain network in the server side deducts money from the account of the automobile and enters the account of the toll collection side according to the expense payment request to complete expense payment, and sends payment confirmation information to the toll collection side and the automobile through the remote communication network.
2. The method of claim 1,
and in the process that the block chain network deducts and accounts into the account of the charging terminal from the account of the automobile according to the fee payment request, the block chain network deducts and accounts into the bank account bound with the block chain account of the automobile from the bank account bound with the block chain account of the charging terminal through a bank network connected with the block chain network, the fee payment is finished by using legal currency, and payment information is recorded in the block chain network.
3. An automotive payment system, comprising:
the charging terminal is used for sending a fee payment request to the server terminal through the remote communication network under the condition of being connected with the remote communication network, and also sending the fee payment request to the automobile paying the fee through the remote communication network, wherein the fee payment request comprises payment amount; the system is also used for sending the fee payment request to the automobile through near field communication connection under the condition that the system cannot be connected with a remote communication network, and sending the fee payment request to a server through the remote communication network after the system is connected with the remote communication network;
the automobile is used for confirming the payment amount in the expense payment request after receiving the expense payment request and sending payment amount confirmation information to the server through the remote communication network under the condition of being connected with the remote communication network;
and the block chain network in the server is used for deducting and posting the account of the automobile to the account of the toll terminal according to the fee payment request after receiving the fee payment request through a remote communication network, and sending payment confirmation information to the toll terminal and the automobile through the remote communication network.
4. The system of claim 3, wherein the blockchain network is configured to debit and credit a bank account bound to the blockchain account of the vehicle to a bank account bound to the blockchain account of the toll terminal through a bank network connected to the blockchain network according to the charge payment request, complete the charge payment by using legal currency, and record payment information in the blockchain network.
5. A computer storage medium storing computer readable instructions that, when executed by a processor, perform the operations of the method of claim 1.
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