WO2018068682A1

WO2018068682A1 - Intelligent automobile payment system and payment method

Info

Publication number: WO2018068682A1
Application number: PCT/CN2017/105244
Authority: WO
Inventors: 祖立军; 徐燕军; 何朔; 刘国宝
Original assignee: 中国银联股份有限公司
Priority date: 2016-10-14
Filing date: 2017-10-03
Publication date: 2018-04-19
Also published as: TW201814604A; CN106652227B; CN106652227A

Abstract

An intelligent automobile payment system and a payment method. The method comprises the following steps: an external merchant initiates an order payment request to an intelligent automobile (S100); after a vehicle terminal (100) receives the order payment request, the vehicle terminal (100) initiates a request to a mobile terminal (200) to invoke a Token (S200); the mobile terminal (200) returns payment account information comprising the Token to the vehicle terminal (100) (S400); the vehicle terminal (100) assemblies the payment account information into payment information according to specified specifications (S500), and the vehicle terminal (100) sends the payment information to the merchant (S600); and the merchant implements payment processing according to the payment information (S700). The method can ensure payment security, can improve payment convenience, and can also effectively resolve automobile consumption payment requirements in various scenarios.

Description

Intelligent car payment system and payment method

Technical field

The present invention relates to communication technologies, and more particularly to a smart car payment system based on smart mobile terminals (eg, smart mobile terminals such as mobile phones, tablet computers, etc.) and a smart car payment method.

Background technique

First, a description will be given of a vehicle network communication technology (V2X) and an intelligent vehicle terminal technology related to the present invention.

(1) Vehicle Network Communication Technology (V2X)

In the car network environment, through the interaction and sharing of vehicles and vehicles, roads, people, backgrounds and other information, intelligent coordination and cooperation between vehicles and infrastructure to achieve intelligent traffic management control, vehicle intelligent control and intelligent dynamic information services The integrated network is an extension of the Internet of Things technology in the field of intelligent transportation systems. Among them, the car relies on the new in-vehicle communication technology, and has the ability to communicate directly with the outside world, especially with the roadside unit and the vehicle, which can realize real-time, low-delay direct communication capability without forwarding through the network operator network.

(2) Intelligent vehicle terminal technology

It has unified management of various sensor devices and vehicle control capabilities of the vehicle. At the same time, it can carry multiple applications (car APP) through the vehicle intelligent operating system, and can maintain communication with the mobile phone through near field communication technologies such as NFC or Bluetooth.

On the other hand, with the development of the Internet and automobiles, car sharing will be the mainstream trend in the future car networking environment due to the consideration of the utilization of automobile resources and the efficient and convenient transportation, that is, more car trips will adopt the time-sharing mode. Instead of the private car model, in the process, new requirements are imposed on the car rental expenses during the time-sharing process of the car, as well as the parking methods, high-speed tolls, and fines for violations during the use of the car.

Under the current technology mode, the automobile is not a payment terminal, so it cannot meet the payment demand of the automobile as the core scene in the process of using the automobile. For example, it is not convenient to pay the information such as the car model, the identification number, the license plate and the like in the process of payment.

Therefore, the existing payment technologies mainly include mobile APP payment and post-installation vehicle unit payment. the way:

(1) Mobile APP payment

That is, through the mobile APP method, the association with the used car is used for each rental, and after the rental is completed, the payment is completed by the mobile payment method, and the payment method can only realize the demand of the automobile rental fee, and the parking and the high speed during the use of the automobile. The payment requirements, such as fees and violations, still need to be in accordance with the original process. There is a problem that the payment method is separated in different scenarios. At the same time, the mobile APP also needs to manually fill in some information, and the convenience is not high. And other issues.

(2) After-loading vehicle unit payment

The typical case of this method is ETC OUB equipment, which can mainly solve the problem of highway toll collection, but it can not solve other scenarios such as car rental payment, parking payment, etc. When OBU equipment is processed, the equipment will be initialized and input license plate number and other information, and must be bound. The only payment card, so the shared car scene cannot be applied.

Summary of the invention

In view of the above problems, an object of the present invention is to enable a car as a payment terminal and pay for a smart car payment system and a payment method with good security.

The smart car payment method of the present invention is implemented by using a vehicle terminal and a mobile terminal, and is characterized in that it comprises the following steps:

The payment request initiation step, the external merchant initiates an order payment request to the smart car;

a payment account information obtaining step, after receiving the order payment request, the vehicle terminal requests the mobile terminal to retrieve the Token, and the mobile terminal returns the payment account information including the Token to the vehicle terminal;

a payment information package step, the vehicle terminal assembling the payment account information into payment information according to a prescribed specification and transmitting the information to the merchant;

The payment processing completion step, the merchant completes the payment processing according to the payment information.

Preferably, the payment account information obtaining step comprises the following sub-steps:

After receiving the order payment request, the vehicle terminal interacts with the mobile terminal through the near field communication method, and requests the mobile terminal to retrieve the Token;

The mobile terminal returns the payment account information containing the Token stored by itself to the vehicle terminal according to the call.

Preferably, in the payment information package step, the vehicle terminal assembles the payment account information together with the vehicle information of the vehicle terminal into payment information and transmits it to the merchant.

Preferably, the vehicle information includes one or more of a vehicle type, a vehicle speed, and a vehicle identification number.

Preferably, in the payment account information obtaining step, the mobile terminal returns the payment account information including the Token stored by itself to the vehicle terminal in real time.

Preferably, the vehicle terminal is configured to request a mobile terminal to retrieve a Token according to an order payment request from an external merchant, and if the vehicle terminal receives the following payment account information, assemble the following payment account information according to a prescribed specification. Send payment information to the merchant,

The mobile terminal is configured to store a Token and return payment account information including the Token to the vehicle terminal upon receipt of the call from the vehicle terminal.

Preferably, the vehicle terminal assembles the payment account information together with the vehicle information of the vehicle terminal into payment information for transmission to the merchant.

Preferably, the vehicle terminal is provided with:

A vehicle networking communication module for communicating with an external merchant;

a first communication module, configured to implement a communication interaction with the mobile terminal;

An in-vehicle payment service module, configured to initiate a call for retrieving a Token from a mobile terminal according to an order payment request from an external merchant, and in case receiving the payment account information from the mobile terminal, the payment account information Assembled into payment information according to the regulations,

The mobile terminal has:

a second communication module, configured to implement communication interaction with the vehicle terminal;

Token storage module for storing Tokens;

The payment control module retrieves the Token from the Token storage module according to the retrieval request from the vehicle terminal and generates corresponding payment account information.

Preferably, the in-vehicle payment service module has:

a core functional interface for providing payment interface capabilities;

a transaction processing module for providing transaction payment capabilities;

A communication management module for providing payment communication capabilities.

The vehicle terminal of the present invention is characterized in that

The vehicle terminal is configured to request, from the external terminal, an order payment request to the mobile terminal to retrieve the Token, and the vehicle terminal receives the payment account information including the Token from the mobile terminal. Next, the payment account information is assembled into payment information according to the prescribed specifications and sent to the merchant.

Preferably, the vehicle terminal is provided with:

a first communication module, configured to implement communication interaction with the mobile terminal;

The in-vehicle payment service module is configured to initiate a call for retrieving a Token from the mobile terminal according to an order payment request from an external merchant, and in accordance with the payment account information received from the mobile terminal, The specification is assembled into payment information.

Preferably, the in-vehicle payment service module has:

a core functional interface for providing payment interface capabilities;

a transaction processing module for providing transaction payment capabilities;

As described above, according to the smart car payment system and the payment method of the present invention, the vehicle can be used as the payment terminal, and the payment information is exchanged with the external acceptance terminal through the vehicle network communication module of the vehicle terminal, and the payment account uses the Token stored in the mobile phone. When the payment transaction occurs, the vehicle terminal interacts with the mobile phone through a near field communication technology such as Bluetooth or NFC, and reads the payment account information in the mobile phone in real time. Therefore, the smart car payment system and the payment method of the present invention can effectively solve the various needs of the automobile consumption payment, and since the consumer account (ie, Token) does not remain in the car, in the car sharing scenario, the user does not need to worry about the account leakage problem. Moreover, since the Token already existing in the mobile phone is utilized, there is no need to apply for a Token to the cloud again, and the processing flow is not complicated.

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DRAWINGS

1 is a block diagram showing the configuration of a smart car payment system according to an embodiment of the present invention.

Fig. 2 is a block diagram showing the construction of an in-vehicle payment service module in the smart car payment system of the present invention.

Figure 3 is a schematic diagram showing the Token generation process.

4 is a flow chart showing a smart car payment method according to an embodiment of the present invention.

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detailed description

The following are some of the various embodiments of the invention, which are intended to provide a basic understanding of the invention. It is not intended to identify key or critical elements of the invention or the scope of the invention.

The smart car payment system according to an embodiment of the present invention is characterized in that the vehicle is used as a payment terminal, and the payment information is exchanged with the receiving terminal of the external merchant through the vehicle networking communication technology of the vehicle, and the payment account uses the Token stored in the mobile phone ( Token), when the payment transaction occurs, the vehicle terminal interacts with the mobile phone through a near field communication technology such as Bluetooth or NFC, and reads the payment account information in the mobile phone in real time.

As shown in FIG. 1 , a smart car payment system according to an embodiment of the present invention includes a vehicle terminal 100 and a mobile terminal 200 (herein, in the present embodiment, a mobile terminal is taken as an example, and of course, the same communication as the mobile phone can be provided. Functional mobile smart phones such as laptops and tablets).

The vehicle terminal 100 includes an in-vehicle network communication module 110, a first communication module 120, and an in-vehicle payment service module 130.

The car network communication module 110 is configured to perform communication interaction with an accepting unit or a merchant (for example, a toll gate of a roadside) outside the vehicle. Communication with the receiving unit or merchant outside the vehicle can be achieved, for example, by the communication layer V2X, which is primarily responsible for providing an access interface between the vehicle terminal 100 and the vehicle V2X controller.

The first communication module 120 is configured to implement communication interaction with the mobile terminal 200.

The in-vehicle payment service module 130 is configured to receive a payment request from an external receiving unit or a merchant and retrieve the Token and payment account information and the like from the mobile terminal 200 according to the payment request.

The mobile terminal 200 includes a second communication module 210, a payment control module 220, and a Token storage module 230.

The second communication module 210 is configured to communicate with the vehicle terminal 100. The Token storage module 230 is configured to store a Token used by the mobile terminal to make a payment. The payment control module 220 retrieves the Token from the Token storage module 230 based on the payment request from the vehicle terminal 100 and generates corresponding payment account information. The payment account information generated by the payment control module 220 is returned to the vehicle terminal 100 through the second communication module 210.

Next, the configuration and function of each part of the in-vehicle payment service module 130 in the smart car payment system of the present invention will be described.

Fig. 2 is a block diagram showing the construction of an in-vehicle payment service module in the smart car payment system of the present invention. The in-vehicle payment service module 130 is provided with a core function interface 131 for providing a payment interface capability, a transaction processing module 132 for providing transaction payment capability, and a communication management module 133 for providing payment communication capability.

The core function interface 131 encapsulates the in-vehicle payment function in an interface form, and is mainly used to coordinate function scheduling and data exchange of each module. The core function interface 131 is a unified interface implementation of other modules. For example, if the in-vehicle application is a car banking application, the core function is the core function of the in-vehicle bank. Loading the in-vehicle payment plug-in requires partial modification of the core function interface of the in-vehicle application, so that the in-vehicle payment plug-in can pay in-vehicle payment through the core function of the in-vehicle application. The options are shown to the user.

The transaction processing module 132 is configured to complete management configuration, processing, and easy authentication of the transaction. Specifically, the transaction processing module 132 includes: a management configuration module 1321 for receiving and processing data exchange notifications and requests from a credential management subsystem of the cloud payment platform; and a payment service logic processing module 1322 for performing payment information according to service requirements. The group package, that is, the data group for the payment account information, the vehicle information, and the like is packaged into payment information; the biometric authentication module 1323 passes the biological information (for example, fingerprint, finger vein, face, voice, iris, palm print, etc.) The authentication is performed to determine whether the user can perform the payment operation (the biometric authentication module 1323 is an optional module); and the communication interconnection module 1324 is configured to communicate with the mobile terminal.

The communication management module 133 is configured to provide payment communication capabilities and is responsible for establishing a network secure connection and data transmission capability. Specifically, a TLS/SSL secure connection, a remote notification service, and a data transfer service are provided in the communication management module 133. The communication layer-TLS/SSL is mainly responsible for establishing a secure communication connection between the in-vehicle payment service module 130 and an external entity (mainly a credential management system). The main principle of the establishment of the secure channel is to use the certificate chain as a mobile application and an external cloud server. Provide identity authentication and channel encryption services. The remote notification service notification is primarily an interface between the in-vehicle payment service module 130 and the remote notification service.

Next, a specific flow of the payment method implemented by the smart car payment system of the present invention will be specifically described.

Before describing the specific flow of the smart car payment method of the present invention, the generation of the Token and the application in the payment application will be described first.

Figure 3 is a schematic diagram showing the Token generation process.

As shown in FIG. 3, the mobile terminal 700 transmits a PAN (ie, a bank card master account) to the Token Requestor 800 for requesting acquisition of a Token. The Token requester 800 forwards the Token request to the Token Service Provider 900. The Token Service Provider 900 generates a corresponding Token according to the Token request, and establishes a mapping relationship between the Token and the PAN, and returns the generated Token to the Token. Requester 800. The Token requester 800 returns the received Token to the mobile terminal 700.

In this way, when the merchant purchases the product and performs the payment by the mobile terminal 700, the merchant acquires the Token stored in the mobile terminal 700 by using the near field communication method such as NFC, and the merchant sends the obtained Token and the payment information and the like as a payment request to the acquiring institution. The acquiring institution sends the payment request to the payment network, and the payment network calls the Token service provider 900, and the Token service provider 900 verifies the validity of the Token, and obtains the corresponding PAN according to the previously established mapping relationship between the Token and the PAN. Returning to the payment network, the payment network replaces the Token with the PAN and sends the relevant payment request to the corresponding issuing bank to complete the corresponding verification, and completes the payment deduction.

Next, a payment method of an embodiment realized by the smart car payment system of the present invention will be described.

As shown in FIG. 4, step S100: the merchant (for example, a highway toll booth, etc.) initiates an order payment request to the vehicle. Specifically, an order payment request is received from the merchant through the car network communication module 110 of the vehicle terminal 100.

Step S200: The vehicle terminal 100 interacts with the mobile terminal 200 via a near field communication technology such as Bluetooth or NFC, and requests the mobile terminal 200 to acquire a Token.

Step S300: The mobile terminal 200 generates corresponding payment account information according to the existing mobile payment mechanism, and conforms to the PBOC specification, wherein the payment account information includes a Token.

Step S400: The mobile terminal 200 returns the payment account information to the vehicle terminal 100.

Step S500: The vehicle terminal 100 performs a payment information package according to the service requirement, and includes information assembling the vehicle information of the vehicle type, the vehicle speed, the vehicle identification number, and the like, and the payment account information.

Step S600: The vehicle terminal 100 transmits the payment information to the merchant through the vehicle network communication module 110.

Step S700: The merchant processes the payment information, and returns the payment result to the vehicle terminal 100 after the payment information processing.

Step S800: The vehicle terminal 100 notifies the mobile terminal 200 of the payment result.

As described above, the smart car payment system and the payment method of the present invention according to the present invention can ensure the security of payment because only the Token stored in the cardholder mobile terminal is used in the entire payment process without the owner of the bank card. The account number, and the Token is not stored in the vehicle terminal, the user does not need to worry that the Token will remain in the vehicle, so that even if the vehicle is a shared vehicle, the token will not be acquired by others, and the security of the payment can be improved. Moreover, the user experience is good, and only the Token stored by the mobile terminal is used, and the user does not need to apply for the Token again for the smart car.

On the other hand, the vehicle can be used as a payment terminal, and the vehicle information (vehicle type, vehicle speed, vehicle identification number, etc.) can be effectively transmitted in the payment process, which enhances the ability to integrate payment and application scenarios, and can cope with Various car consumption payment scenarios, such as high-speed tolls, vary according to different vehicle models, and the vehicle information can be transmitted through the instrument, and the toll payment of the expressway can be completed according to the vehicle type.

The above examples mainly illustrate the smart car payment system and payment method of the present invention. Although only a few of the specific embodiments of the present invention have been described, it is understood that the invention may be embodied in many other forms without departing from the spirit and scope of the invention. Accordingly, the present invention is to be construed as illustrative and not restrictive, and the invention may cover various modifications without departing from the spirit and scope of the invention as defined by the appended claims With replacement.

Claims

A smart car payment method is implemented by using a vehicle terminal and a mobile terminal, and is characterized in that the method comprises the following steps:

a payment account information obtaining step, the vehicle terminal requests the mobile terminal to retrieve the Token according to the order payment request from the external merchant, and the mobile terminal returns the payment account information including the Token to the vehicle terminal;

a payment information package step, the vehicle terminal assembling the payment account information into payment information according to a prescribed specification and transmitting the information to the merchant;

The payment processing completion step, the merchant completes the payment processing according to the payment information.
A smart car payment method according to claim 1, wherein

The payment account information obtaining step includes the following sub-steps:

The vehicle terminal receives an order payment request from an external merchant;

Receiving, by the near field communication method, the mobile terminal, according to the order payment request, requesting the mobile terminal to retrieve the token;

The mobile terminal returns the payment account information including the Token stored by itself to the vehicle terminal according to the call.
A smart car payment method according to claim 1, wherein

In the payment information package step, the vehicle terminal assembles the payment account information together with the vehicle information of the vehicle terminal into payment information and transmits it to the merchant.
A smart car payment method according to claim 1, wherein

The vehicle information includes one or more of a vehicle type, a vehicle speed, and a vehicle identification number.
A smart car payment method according to claim 1, wherein

In the payment account information acquisition step, the mobile terminal returns the payment account information including the Token stored therein to the vehicle terminal in real time.
A smart car payment system having a vehicle terminal and a mobile terminal, characterized in that

The vehicle terminal is configured to request a call from a mobile terminal according to an order payment request from an external merchant

Token, and in the case that the vehicle terminal receives the following payment account information, the following payment account information is assembled into payment information according to the prescribed specifications and sent to the external merchant.

The mobile terminal is configured to store a Token and return payment account information including the Token to the vehicle terminal upon receipt of the call from the vehicle terminal.
A smart car payment method according to claim 6, wherein

The vehicle terminal assembles the payment account information together with the vehicle information of the vehicle terminal into payment information and transmits it to the merchant.
A smart car payment system according to claim 6 or 7, wherein

The vehicle terminal has:

Vehicle networking communication module for communicating with external merchants;

a first communication module, configured to implement a communication interaction with the mobile terminal;

An in-vehicle payment service module, configured to initiate a call for retrieving a Token from a mobile terminal according to an order payment request from an external merchant, and in case receiving the payment account information from the mobile terminal, the payment account information Assembled into payment information according to the regulations,

The mobile terminal has:

a second communication module, configured to implement communication interaction with the vehicle terminal;

Token storage module for storing Tokens;

a payment control module, which is retrieved from the Token storage module according to a retrieval request from a vehicle terminal

Token and generate corresponding payment account information.
A smart car payment system according to claim 8 wherein:

The in-vehicle payment service module has:

a core functional interface for providing payment interface capabilities;

a transaction processing module for providing transaction payment capabilities;

A communication management module for providing payment communication capabilities.
A vehicle terminal, characterized in that

The vehicle terminal is configured to request a call from a mobile terminal according to an order payment request from an external merchant

Token, and in the case where the vehicle terminal receives the payment account information including the Token from the mobile terminal, the payment account information is assembled into payment information according to the prescribed specifications and transmitted to the merchant.
A vehicle terminal according to claim 10, wherein:

The vehicle terminal assembles the payment account information together with the vehicle information of the vehicle terminal into payment information and transmits it to the merchant.
A vehicle terminal according to claim 10 or 7, wherein

The vehicle terminal has:

A vehicle networking communication module for communicating with an external merchant;

a first communication module, configured to implement communication interaction with the mobile terminal;

The in-vehicle payment service module is configured to initiate a call for retrieving a Token from the mobile terminal according to an order payment request from an external merchant, and in accordance with the payment account information received from the mobile terminal, The specification is assembled into payment information.
A vehicle terminal according to claim 12, wherein

The in-vehicle payment service module has:

a core functional interface for providing payment interface capabilities;

a transaction processing module for providing transaction payment capabilities;

A communication management module for providing payment communication capabilities.