CN103839159A - Vehicle payment system - Google Patents
Vehicle payment system Download PDFInfo
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- CN103839159A CN103839159A CN201410003042.0A CN201410003042A CN103839159A CN 103839159 A CN103839159 A CN 103839159A CN 201410003042 A CN201410003042 A CN 201410003042A CN 103839159 A CN103839159 A CN 103839159A
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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
- G06Q20/30—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
- G06Q20/325—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks
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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
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4014—Identity check for transactions
- G06Q20/40145—Biometric identity checks
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Abstract
The invention provides a vehicle payment system. The system comprises a vehicle information module, a pushing and receiving module, a biological recognition module, an instruction judgment module and a bill payment module, wherein the vehicle information module is used for storing vehicle identity information and sending the vehicle identity information to a merchant server through the short-distance communication technology when vehicles enter a merchant induction area; the pushing and receiving module is used for receiving bills with respect to the vehicle identity information by merchants through a wireless network and presenting the bills to users; the biological recognition module is used for recognizing payment instructions of the users; the instruction judgment module is used for judging whether the payment instructions are preset instructions, and if the answer is positive, payment verification information corresponding to the preset instructions are obtained from an information storage module; the bill payment module is used for sending the bills and the payment verification information corresponding to the payment instructions to an online payment service provider through the wireless network and presenting the payment results received by the online payment service provider to the users. By means of the technical scheme, vehicle payment can be applied to common merchants, payment is quick and reliability is high.
Description
Technical field
The present invention relates to vehicle technology field, relate in particular to a kind of vehicle payment system.
Background technology
Along with the development of auto industry, the vehicle population of China's average family and unit constantly rises.The trip that people bring at enjoyment vehicle simultaneously easily, is more and more paid close attention to other intelligence experience that vehicle brings, and driving payment is exactly one of them.
The mode of paying the bill by identification vehicle at present, is used.For example, ETC(Electronic Toll Collection, electric non-stop toll) system has been widely applied to freeway toll station, when vehicle is by charge station, can be in the situation that not stopping, realize testing vehicle register identification, electronics is deducted fees.But this modes of payments is comparatively limited to, for example can only deduct fees by close end, cannot extensively be generalized to other common trade companies, such as refuelling station, Vehicular charging station, parking lot, restaurant etc.
Summary of the invention
In view of this, the invention provides a kind of vehicle payment system.Particularly, the present invention is achieved through the following technical solutions:
A kind of vehicle payment system, described system comprises: information of vehicles module, propelling movement receiver module, bio-identification module, instruction judge module, information storage module and bill payment module, wherein:
Described information of vehicles module, for store car identity information, and in vehicle enters trade company's induction region time, sends to merchant server by short-range communication technique by described vehicle identity information;
Described propelling movement receiver module, the bill pushing for described vehicle identity information for receive trade company by wireless network, and described bill is presented to user;
Described bio-identification module, for identifying user's payment instruction;
Described instruction judge module for judging whether described payment instruction is default instruction, if so, obtains payment verification information corresponding to described default instruction from described information storage module; And
Described bill payment module, sends to on-line payment service provider for described bill and payment verification information exchange corresponding to described payment instruction are crossed to wireless network, and the payment result receiving from described on-line payment service provider is presented to user.
Further, described instruction judge module, is further used in the time that described payment instruction is not default instruction, the prompting of output payment error.
Further, described system also comprises: display device, and for described bill and described payment result are shown to user.
Further, described propelling movement receiver module, be further used for receiving the consumption list that merchant server pushes for described vehicle identity information, described consumption list is shown to user by described display device, and user's consumption is selected to feed back to merchant server.
Further, described bio-identification module is for identifying user's fingerprint, and described default instruction is fingerprint.
Further, described bio-identification module is for identifying user's sound, and described default instruction is sound.
Further, described payment verification information comprises: Send only Account and payment password.
Further, described short-range communication technique is DSRC Dedicated Short Range Communications, technology.
Further, described default instruction has multiple, and described payment verification information has multiple, wherein, and corresponding at least one the default instruction of payment verification information.
Can be found out by above description, the present invention sends to merchant server by short-range communication technique by vehicle identity information, mutual by wireless network and merchant server and on-line payment service provider, to realize the communication such as single point, payment between vehicle and merchant server and on-line payment service provider.And by pre-stored payment verification information and default instruction binding, pay trade company's bill by the instruction of user preset.Arrange like this, vehicle is paid and spread to common trade company, the while is convenient, fast and reliability is high.
Accompanying drawing explanation
Fig. 1 is vehicle payment system of the present invention structural representation in one embodiment;
Fig. 2 is vehicle payment system of the present invention payment flow schematic diagram in one embodiment;
Fig. 3 is vehicle payment system of the present invention network architecture schematic diagram in one embodiment.
Embodiment
The present invention aims to provide a kind of vehicle payment scheme that can be widely applied in common trade company.Particularly, the invention provides a kind of vehicle payment system.Please refer to Fig. 1 to Fig. 3, described system comprises: information of vehicles module, propelling movement receiver module, bio-identification module, instruction judge module, information storage module and bill payment module.In a kind of exemplary embodiment, described system is carried out following flow process in operational process:
Step S101, stores vehicle identity information in information of vehicles module, in vehicle enters trade company's induction region time, by short-range communication technique, described vehicle identity information is sent to merchant server.
Step S102, pushes receiver module and receives by wireless network the bill that trade company pushes for vehicle identity information, and described bill is presented to user.
Step S103, bio-identification Module recognition user's payment instruction.
Step S104, instruction judge module judges whether described payment instruction is preset instructions, if so, from described information storage module, obtains payment verification information corresponding to described preset instructions.
Step S105, bill payment module is crossed wireless network by described bill and payment verification information exchange corresponding to described payment instruction and is sent to on-line payment service provider, and the payment result receiving from described on-line payment service provider is presented to user.
In an exemplary embodiment, described information of vehicles module can adopt in current ETC system and be arranged on the car-mounted device on vehicle.Such as, described information of vehicles module can comprise board units (On board unit, OBU), for store car identity information.Described vehicle identity information, can be identified by trade company, and it can be vehicle startup plane No., vehicle brand, model, license plate number etc.In another embodiment, described vehicle identity information can be also IMEI, TSP account, third party number of applying account (such as micro-letter account, Alipay account), vehicle-mounted SIM card number or external communication module etc.In vehicle enters merchant server induction region time, described information of vehicles module can be passed through DSRC(Dedicated Short Range Communications, Dedicated Short Range Communications, technology) and merchant server carry out alternately, described vehicle identity information being sent to merchant server.Merchant server can be learnt the mutual account corresponding with this vehicle according to described vehicle identity information, so that the propelling movement of follow-up bill.Certainly, those skilled in the art also can adopt other short-range communication technique mutual for merchant server and described information of vehicles module, such as, Bluetooth technology, NFC(Near Field Communication) etc. technology, the present invention is not restricted this.
After user's single point completes, trade company can push bill to mutual account corresponding to described vehicle identity information to this vehicle by wireless network, pushes receiver module and receives this bill and be presented to user.Preferably, vehicle payment system provided by the invention also includes: display screen.Described propelling movement receiver module is presented to user by display screen by bill.Particularly, on vehicle, trade company's application software can be installed, the account of described trade company application software and the binding of described vehicle identity information.Such as, by the application software account relevant with trade company and license plate number binding, trade company is pushed to bill in corresponding trade company's application software and checks for user by license plate number.Further, described display screen can adopt the middle control display screen of vehicle interior.Certainly, those skilled in the art also can adopt other mode that bill is presented to user, such as, voice broadcast, even can adopt the form of short message, by vehicle identity information and phone number binding, directly bill are pushed on user's mobile phone.The present invention is not restricted this.
User is receiving after the bill that trade company pushes, by input payment instruction in order to complete payment in described bio-identification module.Particularly, the present invention is provided with information storage module, the payment verification information setting in advance for storing user.In order to realize when driving rapid payment, by described payment verification information and default instruction binding.Wherein, described payment verification information comprises: Send only Account and payment password.If the payment instruction of user's input is default instruction, instruction judge module obtains payment verification information corresponding to described preset instructions from described information storage module, mutual for bill payment module and on-line payment service provider.Further, if the payment instruction of user's input is not preset instructions, described instruction judge module can also be user's hint instructions mistake, such as, show " instruction errors please be re-entered " by display device, or the auditory tone cues of output order mistake etc.
The safety paying in order to go bail for and convenient, user's payment instruction is identified in the present invention's design by biological identification technology.Such as, fingerprint recognition, voice recognition, eyeball identification or recognition of face etc., those skilled in the art can arrange according to known technology, and the present invention is not restricted this.Preferably, default instruction described in the present invention is fingerprint or sound.Described bio-identification module is for identifying user's fingerprint or sound.Further, the payment verification information of described information storage module storage has multiple, and described default instruction also has multiple, and corresponding at least one the default instruction of accounts information.Such as, in described information storage module, there are multiple payment verification information of multiple users of frequent this vehicle of use, corresponding at least one fingerprint of each payment verification information or sound.Certainly, the design proposal that also can adopt fingerprint recognition and voice recognition to coexist, in paying, user can select payment instruction according to the hobby of oneself and use habit like this.
Described bill payment module can be undertaken by wireless network and on-line payment service provider alternately.Such as, adopt 3G or 4G technology, described bill and payment verification information corresponding to described payment instruction are sent to on-line payment service provider.Described on-line payment service provider feeds back payment result to described bill payment module and merchant server after the described payment verification information of checking, completes and in vehicle, carries out bill payment with this.In the present invention, described on-line payment service provider can Shi Ge big bank, can be also third party's payment platform such as Alipay, fast money.
Another preferred embodiment in, the consumption list (or menu) that described propelling movement receiver module also pushes for described vehicle identity information for receiving merchant server, described consumption list is shown to user by described display device, select for user, and user's consumption is selected to feed back to merchant server, realize self-service single point.
Particularly, entering the consumption of McDonald region take vehicle describes as example.In vehicle sails the induction region of McDonald's server into (such as, described induction region diameter is 10 meters) time, described information of vehicles module sends to merchant server by DSRC technology by the vehicle identity information of this car, merchant server is searched its corresponding account by described vehicle identity information, then consumption list is pushed in corresponding application software of the account, described propelling movement receiver module is pushed to the consumption list receiving on the middle control display screen of vehicle, and user now just can select the food that will buy according to consumption list.Confirming that after purchase, McDonald's server is pushed to the bill of this consumption on vehicle by wireless network, described propelling movement receiver module is further presented at bill information on middle control display screen.If user confirms errorless, can complete bill payment by the default payment instruction such as fingerprint or sound.In this process, what vehicle may also not drive to McDonald gets meal window.And when Vehicle Driving Cycle is to getting meal when window, the staff of McDonald learns that according to the mutual situation before vehicle and McDonald's server user buys and payout status.Preferably, the staff of McDonald arrives and gets the food that before meal window, just all set user buys at vehicle, and user can be with stopping, with walking, having saved the time of artificial single point in the time that meal window is got in arrival.
Can be found out by above description, the present invention sends to merchant server by short-range communication technique by vehicle identity information, mutual by wireless network and merchant server and on-line payment service provider, to realize the communication such as single point, payment between vehicle and merchant server and on-line payment service provider, and by pre-stored payment verification information and default instruction binding, pay trade company's bill by the instruction of user preset, vehicle is paid and spread to common trade company, and the while is convenient, fast, reliability is high.
The foregoing is only preferred embodiment of the present invention, in order to limit the present invention, within the spirit and principles in the present invention not all, any modification of making, be equal to replacement, improvement etc., within all should being included in the scope of protection of the invention.
Claims (9)
1. a vehicle payment system, is characterized in that, described system comprises: information of vehicles module, propelling movement receiver module, bio-identification module, instruction judge module, information storage module and bill payment module, wherein:
Described information of vehicles module, for store car identity information, and in vehicle enters trade company's induction region time, sends to merchant server by short-range communication technique by described vehicle identity information;
Described propelling movement receiver module, the bill pushing for described vehicle identity information for receive trade company by wireless network, and described bill is presented to user;
Described bio-identification module, for identifying user's payment instruction;
Described instruction judge module for judging whether described payment instruction is default instruction, if so, obtains payment verification information corresponding to described default instruction from described information storage module; And
Described bill payment module, sends to on-line payment service provider for described bill and payment verification information exchange corresponding to described payment instruction are crossed to wireless network, and the payment result receiving from described on-line payment service provider is presented to user.
2. system according to claim 1, is characterized in that,
Described instruction judge module, is further used in the time that described payment instruction is not default instruction, the prompting of output payment error.
3. system according to claim 1, is characterized in that,
Described system also comprises: display device, and for described bill and described payment result are shown to user.
4. system according to claim 3, is characterized in that,
Described propelling movement receiver module, is further used for receiving the consumption list that merchant server pushes for described vehicle identity information, described consumption list is shown to user by described display device, and user's consumption is selected to feed back to merchant server.
5. system according to claim 1, is characterized in that,
Described bio-identification module is for identifying user's fingerprint, and described default instruction is fingerprint.
6. system according to claim 1, is characterized in that,
Described bio-identification module is for identifying user's sound, and described default instruction is sound.
7. system according to claim 1, is characterized in that,
Described payment verification information comprises: Send only Account and payment password.
8. system according to claim 1, is characterized in that,
Described short-range communication technique is DSRC Dedicated Short Range Communications, technology.
9. system according to claim 1, is characterized in that,
Described default instruction has multiple, and described payment verification information has multiple, wherein, and corresponding at least one the default instruction of payment verification information.
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| Application Number | Priority Date | Filing Date | Title |
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| CN201410003042.0A CN103839159A (en) | 2014-01-03 | 2014-01-03 | Vehicle payment system |
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| CN201410003042.0A CN103839159A (en) | 2014-01-03 | 2014-01-03 | Vehicle payment system |
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| CN103839159A true CN103839159A (en) | 2014-06-04 |
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Cited By (21)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN104978657A (en) * | 2015-06-09 | 2015-10-14 | 惠州Tcl移动通信有限公司 | Wireless payment method and wireless payment system |
| CN105174190A (en) * | 2015-08-20 | 2015-12-23 | 小米科技有限责任公司 | Refueling method and device |
| CN105590345A (en) * | 2014-11-26 | 2016-05-18 | 中国银联股份有限公司 | System and method for performing payment at service point by using intelligent automobile |
| CN105741096A (en) * | 2016-01-22 | 2016-07-06 | 上海斐讯数据通信技术有限公司 | Automatic payment method and automatic payment system for buses |
| CN106157186A (en) * | 2015-04-14 | 2016-11-23 | 合硕科技股份有限公司 | Intelligence pick-up lane system |
| CN108009827A (en) * | 2017-11-29 | 2018-05-08 | 北京悦畅科技有限公司 | Charging method, system, computer equipment and computer-readable recording medium |
| CN108985743A (en) * | 2018-05-14 | 2018-12-11 | 奇瑞汽车股份有限公司 | A kind of parking fee on-line payment system and method based on car networking |
| CN108985739A (en) * | 2018-07-06 | 2018-12-11 | 上海博泰悦臻电子设备制造有限公司 | Processing method, system, computer storage medium and the engine end of car payment |
| CN109255974A (en) * | 2017-03-02 | 2019-01-22 | 福特汽车公司 | Driver assistance system |
| CN109255599A (en) * | 2017-07-13 | 2019-01-22 | 上海擎感智能科技有限公司 | Vehicle termination |
| CN109493022A (en) * | 2018-09-20 | 2019-03-19 | 西安艾润物联网技术服务有限责任公司 | Fee payment method, system, terminal and storage medium based on intelligent vehicle mounted terminal |
| CN109598500A (en) * | 2018-10-25 | 2019-04-09 | 阿里巴巴集团控股有限公司 | Oiling method of payment, server-side and system |
| CN109767502A (en) * | 2018-12-13 | 2019-05-17 | 西安艾润物联网技术服务有限责任公司 | A kind of parking field control method and system based on recognition of face |
| CN109842865A (en) * | 2017-11-29 | 2019-06-04 | 北京聚利科技股份有限公司 | Tamper method, car wireless terminal and the communication equipment of car wireless terminal |
| CN109919625A (en) * | 2019-03-01 | 2019-06-21 | 深圳市沃特沃德股份有限公司 | Intelligent payment method, device, computer equipment and storage medium |
| CN110015077A (en) * | 2017-09-30 | 2019-07-16 | 比亚迪股份有限公司 | The charging method and device of electric car, storage medium and electric car |
| CN110490592A (en) * | 2018-05-15 | 2019-11-22 | 上海博泰悦臻网络技术服务有限公司 | Interior consumption and payment method and cloud server based on recognition of face |
| CN111047326A (en) * | 2018-10-12 | 2020-04-21 | 上海博泰悦臻电子设备制造有限公司 | In-vehicle payment method, vehicle machine and vehicle |
| CN112258675A (en) * | 2020-11-10 | 2021-01-22 | 南京韦邦电子商务有限公司 | ETC charging-based fast food taking system and method |
| CN113593062A (en) * | 2021-07-09 | 2021-11-02 | 重庆长安汽车股份有限公司 | ETC-based payment method and system in vehicle and vehicle |
| CN114708672A (en) * | 2022-03-28 | 2022-07-05 | 中国银行股份有限公司 | Resource data processing method and device and server |
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2014
- 2014-01-03 CN CN201410003042.0A patent/CN103839159A/en active Pending
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| Publication number | Priority date | Publication date | Assignee | Title |
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| CN105590345A (en) * | 2014-11-26 | 2016-05-18 | 中国银联股份有限公司 | System and method for performing payment at service point by using intelligent automobile |
| CN105590345B (en) * | 2014-11-26 | 2018-09-21 | 中国银联股份有限公司 | A kind of system and method paid in service point using intelligent automobile |
| CN106157186A (en) * | 2015-04-14 | 2016-11-23 | 合硕科技股份有限公司 | Intelligence pick-up lane system |
| CN104978657A (en) * | 2015-06-09 | 2015-10-14 | 惠州Tcl移动通信有限公司 | Wireless payment method and wireless payment system |
| CN105174190A (en) * | 2015-08-20 | 2015-12-23 | 小米科技有限责任公司 | Refueling method and device |
| CN105741096A (en) * | 2016-01-22 | 2016-07-06 | 上海斐讯数据通信技术有限公司 | Automatic payment method and automatic payment system for buses |
| CN109255974A (en) * | 2017-03-02 | 2019-01-22 | 福特汽车公司 | Driver assistance system |
| CN109255599A (en) * | 2017-07-13 | 2019-01-22 | 上海擎感智能科技有限公司 | Vehicle termination |
| CN110015077A (en) * | 2017-09-30 | 2019-07-16 | 比亚迪股份有限公司 | The charging method and device of electric car, storage medium and electric car |
| CN109842865B (en) * | 2017-11-29 | 2021-12-07 | 北京聚利科技有限公司 | Anti-disassembly method of vehicle-mounted wireless terminal, vehicle-mounted wireless terminal and communication equipment |
| CN108009827A (en) * | 2017-11-29 | 2018-05-08 | 北京悦畅科技有限公司 | Charging method, system, computer equipment and computer-readable recording medium |
| CN109842865A (en) * | 2017-11-29 | 2019-06-04 | 北京聚利科技股份有限公司 | Tamper method, car wireless terminal and the communication equipment of car wireless terminal |
| CN108985743A (en) * | 2018-05-14 | 2018-12-11 | 奇瑞汽车股份有限公司 | A kind of parking fee on-line payment system and method based on car networking |
| CN110490592A (en) * | 2018-05-15 | 2019-11-22 | 上海博泰悦臻网络技术服务有限公司 | Interior consumption and payment method and cloud server based on recognition of face |
| CN108985739A (en) * | 2018-07-06 | 2018-12-11 | 上海博泰悦臻电子设备制造有限公司 | Processing method, system, computer storage medium and the engine end of car payment |
| CN109493022A (en) * | 2018-09-20 | 2019-03-19 | 西安艾润物联网技术服务有限责任公司 | Fee payment method, system, terminal and storage medium based on intelligent vehicle mounted terminal |
| CN111047326A (en) * | 2018-10-12 | 2020-04-21 | 上海博泰悦臻电子设备制造有限公司 | In-vehicle payment method, vehicle machine and vehicle |
| CN109598500A (en) * | 2018-10-25 | 2019-04-09 | 阿里巴巴集团控股有限公司 | Oiling method of payment, server-side and system |
| CN109598500B (en) * | 2018-10-25 | 2023-11-21 | 创新先进技术有限公司 | Oiling payment method, server side and system |
| CN109767502A (en) * | 2018-12-13 | 2019-05-17 | 西安艾润物联网技术服务有限责任公司 | A kind of parking field control method and system based on recognition of face |
| CN109919625A (en) * | 2019-03-01 | 2019-06-21 | 深圳市沃特沃德股份有限公司 | Intelligent payment method, device, computer equipment and storage medium |
| CN112258675A (en) * | 2020-11-10 | 2021-01-22 | 南京韦邦电子商务有限公司 | ETC charging-based fast food taking system and method |
| CN113593062A (en) * | 2021-07-09 | 2021-11-02 | 重庆长安汽车股份有限公司 | ETC-based payment method and system in vehicle and vehicle |
| CN114708672A (en) * | 2022-03-28 | 2022-07-05 | 中国银行股份有限公司 | Resource data processing method and device and server |
| CN114708672B (en) * | 2022-03-28 | 2024-07-19 | 中国银行股份有限公司 | Resource data processing method, device and server |
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