CN105590345B - A kind of system and method paid in service point using intelligent automobile - Google Patents

A kind of system and method paid in service point using intelligent automobile Download PDF

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Publication number
CN105590345B
CN105590345B CN201410688306.0A CN201410688306A CN105590345B CN 105590345 B CN105590345 B CN 105590345B CN 201410688306 A CN201410688306 A CN 201410688306A CN 105590345 B CN105590345 B CN 105590345B
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China
Prior art keywords
payment
information
account information
vehicles
vehicle
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CN105590345A (en
Inventor
柴洪峰
何朔
祖立军
孙权
才华
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China Unionpay Co Ltd
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China Unionpay Co Ltd
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    • GPHYSICS
    • G07CHECKING-DEVICES
    • G07BTICKET-ISSUING APPARATUS; FARE-REGISTERING APPARATUS; FRANKING APPARATUS
    • G07B15/00Arrangements or apparatus for collecting fares, tolls or entrance fees at one or more control points
    • G07B15/06Arrangements for road pricing or congestion charging of vehicles or vehicle users, e.g. automatic toll systems

Abstract

The present invention discloses the system paid in service point using intelligent automobile, the system includes payment mechanism, payment device, settlement center, wherein, payment mechanism is set in the car and is associated with finance account, payment device is arranged on service point, and payment mechanism, payment device, settlement center are communicated by network;When payment mechanism is close to payment device, payment mechanism is communicated with payment device, wherein, the account information of the service of selection, information of vehicles, finance account is sent to payment device by payment mechanism, service and information of vehicles computational costs of the payment device according to selection, and communicated with settlement center to carry out operation of withholing according to the expense and account information.

Description

A kind of system and method paid in service point using intelligent automobile
Technical field
The present invention relates to payment technologies, and more particularly to the system paid in service point using intelligent automobile and side Method.
Background technology
In the prior art, less efficient, the user's body that parking lot, gas station, high speed charge station etc. charge to vehicle It tests poor.Parking lot use manual toll collection or IC card automatic charging, wherein IC card automatic charging need user by IC card with pay Take equipment close contact and completes payment.Gas station is charged two kinds using manual toll collection or gas filling card, both charge methods Require that user interacts with the outer things of vehicle, for example, needing to illustrate the big of volume read-out to the staff of gas station before refueling It is small.High speed charge station is charged using manual toll collection or ETC, and wherein manual toll collection is i.e. by manually distinguishing type of vehicle and being received Take, ETC charges need to pre-establish the tracks ETC and install charge equipment on vehicle to charge.
Therefore, vehicle payment demand with isomorphism in parking lot, gas station, high speed charge station:It is more efficient, more just It is prompt, more humane.
Invention content
In the prior art, vehicle uses manual toll collection mostly in the payment of public service point.It is numerous for vehicle user Trivial artificial payment process will influence driving experience, will also cause waste of time.The shortcomings that IC card toll collection technique includes:No Reusability usually uses different IC card under different payment scenes;User needs to handle card in advance, and needs advance It is supplemented with money into IC card;User needs to complete to pay close to payment device by IC card.ETC technologies used in high speed payment have as follows Disadvantage:Construction cost is expensive, and ETC system needs to pre-establish the tracks ETC, and assists a large amount of equipment;For different types of Vehicle needs the different tracks ETC to be detected, this will increase the complexity of construction cost and payment.
The present invention discloses, the system paid in service point using intelligent automobile, which includes payment mechanism, payment Equipment, settlement center, wherein payment mechanism is set in the car and is associated with finance account, and payment device is arranged on Service point, payment mechanism, payment device, settlement center are communicated by network;When payment mechanism is close to payment device, branch It pays device to communicate with payment device, wherein payment mechanism sends out the account information of the service of selection, information of vehicles, finance account Payment device, service and information of vehicles computational costs of the payment device according to selection are given, and is believed according to the expense and account Breath is communicated with settlement center to carry out operation of withholing.
Preferably, payment device is according to the expense and account information, with settlement center's online communication with operation of completing to withhold Or it is communicated with settlement center to complete to withhold offline in the defined time.
Preferably, payment mechanism calls account information from safety chip or reads account information by access rights.
It is also disclosed that the method paid in service point using intelligent automobile, when payment fills in the car for setting It sets and is arranged close in service point payment device, payment mechanism is communicated with payment device, wherein payment mechanism is by the clothes of selection Business, information of vehicles, finance account account information be sent to payment device, service and information of vehicles of the payment device according to selection Computational costs, and communicated with settlement center to carry out operation of withholing according to the expense and account information.
Preferably, payment device is according to the expense and account information, with settlement center's online communication with operation of completing to withhold Or it is communicated with settlement center to complete to withhold offline in the defined time.
Preferably, payment mechanism calls account information from safety chip or reads account information by access rights.
Advantage of the invention is that including:It realizes that paying process user side interacts with payment collector not linking up.User is in compartment Interior to be paid by operation touch-screen curtain, carried-on-vehicle computer system realizes that the information between payment device and intelligent automobile is handed over Mutually, information transmission can need not open car door by the wireless telecom equipment of Vehicular communication system and payment device, user Or vehicle window is exchanged with payment collector.By the touch screen of intelligent vehicle, user can intuitively know pay content, increase Add payment transparency.Using payment wallet, payment expense is deducted from the finance account of binding, efficiently convenient.The present invention is applicable in In a variety of payment scenes such as parking, oiling, high speed, and is paid on Support Line and also support offline electronic payment.The present invention is for public Cause accepts end(Service point)Including advantage:Manpower and the time for reducing paying process save the efficiency that cost improves service;It pays Expense process is operated by user self-help, is avoided the inconsiderate phenomenon of service that artificial payment is likely to occur, is improved service quality;Payment expense It is deducted with by user's finance account, securely and reliably and facilitates accounting statistics;Payment information automatically generates.In addition, intelligent vapour Vehicle can automatically obtain the information of vehicles of itself, such as license plate number, vehicle size type, these information can be used in payment Among process, for example when high speed payment, information of vehicles can be sent to payment device by intelligent automobile, and payment device passes through vehicle Type determines corresponding expense, has broken away from the complicated processes of high speed manual identified type of vehicle.
Description of the drawings
After the specific implementation mode for having read the present invention with reference to attached drawing, those skilled in the art will be more clearly The solution present invention.It will be apparent to a skilled person that attached drawing, which is used only for cooperation specific implementation mode, illustrates the present invention's Technical solution, and be not intended to and protection scope of the present invention is construed as limiting.
Fig. 1 is the schematic diagram of the system paid in service point using intelligent automobile.
Fig. 2 is the example for the process for carrying out on-line payment in service point using intelligent automobile.
Fig. 3 is the example for the process for carrying out on-line payment in service point using intelligent automobile.
Fig. 4 is the schematic diagram for calling account information when service point is paid using intelligent automobile.
Specific implementation mode
With reference to the accompanying drawings, the specific implementation mode of the present invention is described in further detail.It should be understood that can Structure and function modification is carried out to described embodiment.In addition, any given or specific application institute's phase can be directed to As hoping and being advantageous, the one or more features of one embodiment can be with the one or more features phase of another embodiment Combination.
Fig. 1 is the schematic diagram of the system according to the ... of the embodiment of the present invention paid in service point using intelligent automobile.Such as Shown in figure, which includes payment mechanism, payment device, settlement center.Wherein, payment mechanism be set in the car and with Finance account is associated with.Payment mechanism can be the payment application being pre-installed on carried-on-vehicle computer system, and the payment is answered With with the binding of the finance account of user, the expense thus paid will be deducted from finance account.Payment device is arranged on clothes Business point, for example, parking lot, gas station, high speed charge station etc..Payment mechanism, payment device, settlement center are mutually communicated by network Letter.For example, payment mechanism can carry out channel radio by the Vehicular communication system of vehicle and the wireless telecom equipment of payment device Letter.Payment mechanism and payment device can also remotely be connected and communicated with settlement center respectively by internet etc..
When payment mechanism is close to payment device, payment mechanism is communicated with payment device, wherein payment mechanism is by selection Service, information of vehicles, finance account account information be sent to payment device.The communication of payment mechanism and payment device is according to clothes The case where business point, can actively be initiated by payment mechanism(Such as when service point is gas station)Or it is actively sent out by payment device It rises(Such as when service point is high speed charge station).Selectable service can be sent to payment mechanism from payment device, pay Selectable service can be provided according to information of vehicles to payment mechanism by taking equipment.Service and vehicle of the payment device according to selection Information computational costs, and communicated with settlement center to carry out operation of withholing according to the expense and account information.
In one example, when vehicle enters service point, payment device equipment can identify vehicle by radio communication Send the signal for being identified for payment device, rear vehicle information of vehicles can be sent to payment device, information of vehicles Such as including license plate number, car owner's identity, type of vehicle, oil mass, vehicle-state etc..Payment device can be according to information of vehicles to branch It pays device and selectable service, such as service type and service fee is provided.When payment device can according to information of vehicles When the service of selection to payment mechanism, selectable service can be displayed on Vehicular display device to be selected for user.It may be selected Service can be shown in the form of a list, the content of list for example can be gas station oil price table and user needed for refuel Amount, the fee to be charged that high speed charge station determines according to car status information, the parking price table in parking lot and parking space information.User It can confirm the service to be bought according to service list, such as institute's volume read-out and gasoline type, and will be bought(It is selected)Clothes Business information is sent to payment device.
As described above, service and information of vehicles computational costs of the payment device according to selection, and according to the expense and account Family information is communicated with settlement center to carry out operation of withholing.Payment device can push after computational costs to payment mechanism The payment authentication message of expense, user can be for example by completing payment authentication with the associated touch screen of payment mechanism(Such as It clicks and confirms manually), under the scene of high speed charge station, automated validation mode may be used, by payment mechanism to payment authentication Payment result information is simultaneously presented to the user by message automated validation, it is possible thereby to further save the time, keeps payment more convenient.
As described above, payment device is communicated with settlement center to carry out operation of withholing according to the expense and account information.This In, operation of withholing can carry out or postpone to carry out in real time.According to an embodiment of the invention, the payment of expense can it is online or It is offline to carry out.
Fig. 2 is the example of the process according to the ... of the embodiment of the present invention for carrying out on-line payment in service point using intelligent automobile. As shown in Fig. 2, sending Hello information from intelligent automobile to payment device first.Payment device identifies intelligence according to Hello information Energy automobile, and sent to intelligent automobile and confirm identification information.Then, intelligent automobile is sending information of vehicles to payment device Afterwards, start to carry out information on services interaction with payment device, i.e., provide optional service, Yi Jiyou from payment device to intelligent automobile The service that intelligent automobile selection needs.After the completion of service, payment Requisition Validation, user are sent from payment device to intelligent automobile Confirmation payment is carried out at intelligent automobile end.Payment device is connect with settlement center after receiving payment confirming information to complete to prop up It pays, such as will include expense and account information(Including account and password)Payment information be sent to settlement center, then by settling accounts Center is communicated with the credit card issuer of account completes operation of withholing.After the on-line operation success of settlement center, respectively to intelligent automobile Payment success message is sent with payment device.The case where paying on line, payment device and payment mechanism by settlement center with Credit card issuer connects, and online in real time to complete payment, expense is directly deducted from the account of user.
Fig. 3 is the example of the process according to the ... of the embodiment of the present invention for carrying out offline electronic payment in service point using intelligent automobile. As shown in figure 3, payment device after receiving confirmation payment, directly sends payment success message to intelligent automobile.And later, Completion is connect in the defined time with settlement center to withhold.Offline electronic payment need not in real time be connect with settlement center, pass through payment Device can be completed with payment device.Payment device can store payment information, periodically be connect with settlement center and credit card issuer Complete final payment.In one example, user can be transferred to a certain number of amount of money as offline into payment mechanism in advance Payment amount.In this case, payment mechanism is payment wallet application.
The payment record of user can be stored in settlement center so that user can easily use payment application and knot Calculation center connects to be checked.The payment application used can be registered in settlement center in advance, including personal information is recognized Card and bank account information binding, will obtain the competency for operation of payment application after registration.
As described above, when payment mechanism is close to payment device, payment mechanism is communicated with payment device, wherein payment dress It sets and the account information of the service of selection, information of vehicles, finance account is sent to payment device.According to an embodiment of the invention, Account information can be called from safety chip.Storing the safety chip of account information can be used as independent unit for account information High degree of safety is provided.The software transfer mode of no safety chip, in this approach, account information and other application can also be taken Data can ensure that account information will not illegally be read by logic isolation by the way that access rights are arranged.It can also use soft Part method of calling calls information of vehicles.Fig. 4 is the signal for calling account information when service point is paid using intelligent automobile Figure.As shown in figure 4, the account information method of calling of payment application can be by " application controller " of carried-on-vehicle computer system certainly Fixed, " application controller " safeguards that the routing table of an application ID and its position, different application correspond to different ID." application Controller " can identify application ID and assign corresponding permission, and can judge its account information tune used for payment application Use mode.It is applied that is, being paid come certification by application controller.For a payment application, if in " application control Show to call account information using hardware in the log-on message of device ", then " application controller " is understood and be equipped with safety chip Vehicle-mounted payment devices carry out safety certification and extract account information or information of vehicles.If the registration at " application controller " is believed Show to use software transfer account information in breath, then payment application can be delivered carried-on-vehicle computer system by " application controller " " central processing unit " processing, and then by authority acquiring account information, payment account information at this time is patrolled with other application information Isolation is collected, the sandbox mechanism being similar in Android system can so ensure the safety of account information.In addition information of vehicles also may be used To be called by " central processing unit ".
User is being handed over using payment in application, can be applied with payment in the interfaces UI of carried-on-vehicle computer system Mutually, for example application payment, confirmation pay, check paid information on services etc..Carried-on-vehicle computer system is as vehicular applications Operation platform can call the safety chip in vehicle-mounted payment devices by driver.
The embodiment of the present invention discloses the payment scheme under intelligent automobile environment.For example, using intelligent automobile for adding The scheme that the public service point of oil, high speed charge, parking etc. is paid.The solution of the present invention can by following three parts Lai It realizes:Intelligent automobile, public service point equipped with payment wallet accept the payment device and settlement center that end uses.Equipped with branch Pay packet intelligent automobile can actively initiate payment request or from payment device receive information;Information of vehicles is sent to payment Equipment;And payment confirming information and carry out payment authentication.Payment wallet on intelligent automobile can call Vehicular communication system To be connect with payment device or settlement center.Payment device actively can initiate payment process to intelligent automobile or passively connect Receive the payment request from intelligent automobile;It receives the information of vehicles of intelligent automobile and branch is calculated according to information of vehicles and information on services Pay relevant information;Payment or non real-time communicated with settlement center on completion line are communicated with settlement center in real time and completes offline branch It pays.Payment device channel can be connected with the Vehicular communication system on intelligent automobile by radio communication, realize payment device Communication between intelligent automobile.
The intelligent automobile that the embodiment of the present invention utilizes can be integrated with environment sensing, programmed decision-making, multi-grade auxiliary The functions such as driving are in the comprehensive vehicle system of one.Intelligent automobile can be made of different subsystems, such as carried-on-vehicle computer System, Vehicular communication system etc..Carried-on-vehicle computer system is the central part of intelligent automobile, and user is operated by vehicular touch screen curtain Carried-on-vehicle computer system.Screen is touched as the most important man-machine interactive interface of car-mounted computer, user can touch screen Upper calling application program, input information confirm order, and application program feedack is presented to use by touching screen Family.As vehicle-mounted computer system, it provides operation platform for application program, can install different types of application, such as Pay wallet and social networking application.These applications can call other systems of intelligent automobile, such as payment wallet that can call vehicle Carry payment system(For example, the vehicle-mounted payment devices equipped with safety chip)And Vehicular communication system, social networking application can call vehicle Carry navigation system and vehicle entertainment system.Vehicular communication system can allow intelligent automobile and the communication device contact of surrounding, adopt The communication technology includes radio honeycomb communication technology(Such as 3G/LTE technologies), dedicated short-range communication(DSRC)Technology, near field are logical Letter technology(NFC)Deng.For paying wallet application, Vehicular communication system can complete the connection of payment wallet and payment device, And the connection of payment wallet and settlement center.Vehicular communication system is capable of providing comprehensive communication connection solution.
By the description of embodiment of above, those skilled in the art are it is understood that without departing from the present invention Spirit and scope in the case of, can also to the present invention specific implementation mode make various changes and replacement.These change and Replacement is all fallen in claims of the present invention limited range.

Claims (6)

1. a kind of system paid in service point using intelligent automobile, which is characterized in that the system includes payment mechanism, pays Take equipment, settlement center, wherein payment mechanism is set in the car and is associated with finance account, and payment device is set In service point, payment mechanism, payment device, settlement center are communicated by network;
When payment mechanism is close to payment device, payment mechanism is communicated with payment device, wherein payment mechanism is by the clothes of selection Business, information of vehicles, finance account account information be sent to payment device, wherein payment device is according to information of vehicles to payment The selectable service of device offer, service and information of vehicles computational costs of the payment device according to selection, and according to the expense Communicated with settlement center with account information to carry out operation of withholing, information of vehicles include license plate number, car owner's identity, type of vehicle, One or more in oil mass, vehicle-state,
Wherein, the account information method of calling of payment mechanism is determined by the application controller of carried-on-vehicle computer system, the account Information method of calling includes hardware method of calling and software transfer mode, the application controller can identify application ID and for Payment application can judge its account information method of calling used, if being judged as using software transfer mode, the application control The payment application is delivered the central processing unit processing of carried-on-vehicle computer system and obtains account information in turn by device processed, if being judged as Using hardware method of calling, then the application controller and the vehicle-mounted payment devices of safety chip are installed carry out safety certification simultaneously Extract account information or information of vehicles.
2. the system as claimed in claim 1, which is characterized in that
Payment device is operated or with completing to withhold defined according to the expense and account information, with settlement center's online communication Time is communicated with settlement center to complete to withhold offline.
3. the system as claimed in claim 1, which is characterized in that
Payment mechanism calls account information from safety chip or reads account information by access rights.
4. a kind of method paid in service point using intelligent automobile, which is characterized in that when payment fills in the car for setting It sets and is arranged close in service point payment device, payment mechanism is communicated with payment device, wherein payment mechanism is by the clothes of selection Business, information of vehicles, finance account account information be sent to payment device, wherein payment device is according to information of vehicles to payment The selectable service of device offer, service and information of vehicles computational costs of the payment device according to selection, and according to the expense Communicated with settlement center with account information to carry out operation of withholing, information of vehicles include license plate number, car owner's identity, type of vehicle, One or more in oil mass, vehicle-state,
Wherein, the account information method of calling of payment mechanism is determined by the application controller of carried-on-vehicle computer system, the account Information method of calling includes hardware method of calling and software transfer mode, the application controller can identify application ID and for Payment application can judge its account information method of calling used, if being judged as using software transfer mode, the application control The payment application is delivered the central processing unit processing of carried-on-vehicle computer system and obtains account information in turn by device processed, if being judged as Using hardware method of calling, then the application controller and the vehicle-mounted payment devices of safety chip are installed carry out safety certification simultaneously Extract account information or information of vehicles.
5. method as claimed in claim 4, which is characterized in that
Payment device is operated or with completing to withhold defined according to the expense and account information, with settlement center's online communication Time is communicated with settlement center to complete to withhold offline.
6. method as claimed in claim 4, which is characterized in that
Payment mechanism calls account information from safety chip or reads account information by access rights.
CN201410688306.0A 2014-11-26 2014-11-26 A kind of system and method paid in service point using intelligent automobile Active CN105590345B (en)

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

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