CN111340473A - Payment method, device and system - Google Patents
Payment method, device and system Download PDFInfo
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- CN111340473A CN111340473A CN202010139966.9A CN202010139966A CN111340473A CN 111340473 A CN111340473 A CN 111340473A CN 202010139966 A CN202010139966 A CN 202010139966A CN 111340473 A CN111340473 A CN 111340473A
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- 238000000034 method Methods 0.000 title claims abstract description 61
- 238000012795 verification Methods 0.000 claims abstract description 34
- 239000000446 fuel Substances 0.000 claims description 42
- 238000010586 diagram Methods 0.000 description 10
- 230000008569 process Effects 0.000 description 9
- 210000000554 iris Anatomy 0.000 description 6
- 238000004891 communication Methods 0.000 description 4
- 230000003993 interaction Effects 0.000 description 3
- 230000002452 interceptive effect Effects 0.000 description 3
- 239000000284 extract Substances 0.000 description 2
- 238000011161 development Methods 0.000 description 1
- 210000000887 face Anatomy 0.000 description 1
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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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- 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
- G06Q20/14—Payment architectures specially adapted for billing systems
- G06Q20/145—Payments according to the detected use or quantity
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Abstract
The invention provides a payment method, a device and a system, wherein the method comprises the following steps: the oil station server verifies the biological information, after the verification is passed, the oil filling equipment obtains the oil output of the oil filling equipment and generates a corresponding bill, and the oil station server generates a payment request according to the bill information, wherein the payment request is used for deducting the corresponding cost in the bill information. Compared with the existing payment password and oiling card identification verification mode, the method and the device have the advantages that the identity information is verified by verifying the biological information of the user, the verification result is more reliable, and the payment method is more reliable.
Description
Technical Field
The invention relates to the field of intelligent refueling, in particular to a payment method, payment equipment and a payment system.
Background
With the development of society, automobiles have become an indispensable part of homes, and fueling systems for fueling automobiles include payment systems.
The existing payment system comprises a refueling device and a payment server, and the working principle of the payment system is as follows: the method comprises the steps that a user inserts an oil filling card into a clamping groove of the oil filling equipment, the oil filling equipment reads oil filling card information, the oil filling card information comprises identification information and balance, oil filling amount and a payment password input by the user are received, the payment password, the identification information and the balance are sent to a payment server, the payment server confirms that the payment password and the identification information are matched with information stored in the payment server, the oil filling amount is deducted from the balance, the updated balance is stored in the oil filling card, and the oil filling card information is sent to the payment server.
However, the existing payment method by verifying the payment password and the identification information cannot cope with the situation that the password is stolen, and potential safety hazards exist.
Disclosure of Invention
The invention provides a payment method, equipment and a system, and aims to solve the technical problem that the existing payment mode cannot deal with the situation that a password is stolen.
In a first aspect, the present invention provides a payment method, applied to a fuel station server, including:
receiving authentication information, wherein the authentication information comprises: biometric information of the user;
if the verification information is matched with the locally stored account information, sending a refueling request to refueling equipment;
receiving bill information from the refueling equipment and generating a payment request according to the bill information;
sending a payment request to a payment server; the payment request is used for requesting to deduct the cost corresponding to the bill information.
Optionally, the receiving the verification information specifically includes:
and receiving the identification information of the vehicle and the payment account from the vehicle-mounted terminal, wherein the vehicle-mounted terminal is installed on the vehicle.
Optionally, the vehicle-mounted terminal includes: an electronic tag; receiving identification information and a payment account of a vehicle from a vehicle-mounted terminal, specifically comprising:
receiving identification information of the vehicle and a payment account from a microwave antenna; wherein the identification information of the vehicle and the payment account are read from the electronic tag by the microwave antenna.
Optionally, the payment request is also generated from a payment account.
Optionally, the biological information comprises: fingerprint, face, or iris.
Optionally, the method further comprises:
receiving registration information from a registration terminal, wherein the registration information includes: identification information of the vehicle, biometric information of the user, and a payment account;
if the registration information is determined not to be repeated with the locally stored account information, updating an account information table by using the registration information; the account information table comprises at least one piece of account information.
In a second aspect, the present invention provides a payment method applied to a refueling device, the method including:
receiving a fueling request from a fueling station server; wherein the refueling request is used for generating a refueling instruction for controlling the fuel output of the refueling equipment;
acquiring the oil output of the refueling equipment, and generating bill information according to the oil output;
and sending bill information to the oil station server, wherein the bill information is used for generating a payment request.
Optionally, the refueling apparatus comprises: a sensor, prior to receiving a fueling request from the fueling station server, the method further comprising:
and the receiving sensor collects the used biological information and sends the biological information to the oil station server.
In a third aspect, the present invention provides a payment device for an oil station server, the payment device comprising:
a receiver configured to receive authentication information, wherein the authentication information includes: biometric information of the user;
a transmitter for transmitting a fueling request to the fueling equipment if the verification information matches the locally stored account information;
the processor is used for receiving the bill information from the refueling equipment and generating a payment request according to the bill information;
a transmitter for transmitting a payment request to a payment server; the payment request is used for requesting to deduct the cost corresponding to the bill information.
Optionally, the processor is further configured to determine a payment account corresponding to the biological information from the account information table; wherein the payment account is used to generate the payment request.
Optionally, the verification information further includes: identification information of the vehicle.
Optionally, the biological information comprises: fingerprint, face, or iris.
Optionally, the receiver is further configured to receive registration information from the registration terminal, where the registration information includes: identification information of the vehicle, biometric information of the user, and a payment account;
the processor is further used for updating the account information table by using the registration information if the registration information is determined not to be repeated with the locally stored account information; the account information table comprises at least one piece of account information.
In a fourth aspect, the present invention provides a payment device for use in a fuel filling apparatus, the payment device comprising:
a receiver for receiving a fueling request from a fueling station server; wherein the refueling request is used for generating a refueling instruction for controlling the fuel output of the refueling equipment;
the processor is used for acquiring the oil output of the refueling equipment and generating bill information according to the oil output;
and the transmitter is used for transmitting the bill information to the oil station server, and the bill information is used for generating the payment request.
Optionally, the refueling apparatus comprises: the receiver is also used for receiving the biological information collected by the sensor, and the transmitter is also used for transmitting the biological information to the oil station server.
In a fifth aspect, the present invention provides an oil station server, comprising:
a memory for storing a program;
a processor for executing the program stored in the memory, the processor being adapted to perform the payment method according to the first aspect and the alternative when the program is executed.
In a sixth aspect, the present invention provides a refueling apparatus comprising:
a sensor for collecting biological information of a user;
a memory for storing a program;
a processor for executing the program stored in the memory, the processor being adapted to perform the payment method according to the second aspect and the alternative when the program is executed.
In a seventh aspect, the present invention provides a payment system, comprising: the system comprises an oil station server, an oil filling device and a vehicle-mounted terminal positioned on a vehicle.
The invention provides a payment method, a device and a system, wherein the payment method comprises the following steps: the method comprises the steps that biological information of a user is obtained through refueling equipment and sent to a fuel station server, the fuel station server matches the biological information with account information stored locally, if the biological information is successfully matched with the account information, a refueling request is sent to the refueling equipment, the refueling equipment generates a refueling instruction according to the refueling request so as to control oil outlet of the refueling equipment to produce oil, the oil outlet amount of the oil outlet is obtained, bill information is generated according to the oil outlet amount and sent to the fuel station server, and the fuel station server generates a payment request according to the bill information. The identity authentication is realized by verifying the biological information, the reliability of the verification result is higher, the cost corresponding to the bill information is deducted after the verification is passed, and the payment reliability is higher.
Drawings
FIG. 1 is a schematic diagram of a payment system according to an exemplary embodiment of the present invention;
FIG. 2 is a schematic diagram of the structure of a refueling apparatus according to an exemplary embodiment of the present invention;
FIG. 3 is a schematic block diagram of a fueling station server according to an exemplary embodiment of the present invention;
FIG. 4 is a schematic diagram of a payment system according to another exemplary embodiment of the present invention;
FIG. 5 is a flow diagram illustrating a payment method in accordance with an exemplary embodiment of the present invention;
FIG. 6 is a schematic flow diagram illustrating a payment method in accordance with another exemplary embodiment of the present invention;
fig. 7 is a flowchart illustrating a payment method according to yet another exemplary embodiment of the present invention.
Detailed Description
In order to make the objects, technical solutions and advantages of the embodiments of the present invention clearer, the technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are some, but not all, embodiments of the present invention. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.
Existing payment methods are based on a payment system comprising: the system comprises the refueling equipment, a fuel station server and a refueling card. The working principle of the payment system is as follows: the user inserts the oiling card into the clamping groove of the oiling device, the oiling device reads oiling card information, the oiling card information comprises identification information and balance, and the oiling amount and the payment password input by the user through the interactive interface are received. The refueling equipment sends the payment password and the identification information to the payment server, the payment server confirms whether the payment password and the identification information are matched with the information stored in the payment server, and if the payment password and the identification information are matched with the information stored in the payment server, matching success is returned. And after receiving the message of successful matching, the refueling equipment deducts the refueling amount from the balance, stores the updated balance into the refueling card and sends the updated balance to the payment server. The existing payment method confirms whether to deduct money or not in a character string verification mode, cannot deal with the condition that an oil filling card and a password of a user are lost, and is low in payment reliability.
The invention conception of the application is as follows: whether the payment is deducted from the account corresponding to the biological information is determined by verifying the biological information, the identification information of the vehicle and the payment account, a multiple verification mode is adopted, the biological information is used for verification in the multiple verification, the biological information is not easy to copy and is not agreed to be lost, meanwhile, the identification information and the payment account of the vehicle are also verified, the verification reliability can be effectively improved, and the payment is more reliable by deducting the payment from the account corresponding to the biological information after the verification passes.
Fig. 1 is a schematic structural diagram of a payment system according to an exemplary embodiment of the present invention, and as shown in fig. 1, a payment system 100 provided in this embodiment includes: the refueling equipment 110, the fueling station server 120, and the in-vehicle terminal 130.
Fig. 2 is a schematic structural diagram of a fueling apparatus according to an exemplary embodiment of the present invention, and as shown in fig. 2, a fueling apparatus 110 includes a sensor 111, a fueling gun 112, a receiver 113, a transmitter 114, a processor 115, and a memory 116. Wherein an oil outlet is provided on the fuel nozzle 112, and a flow meter 117 and a valve 118 are provided near the oil outlet.
Wherein the transmitter 113 is configured to transmit data and instructions, the receiver 114 is configured to receive data and instructions, the memory 116 is configured to store computer-executable instructions, and the processor 115 is configured to execute the computer-executable instructions stored by the memory 116 to implement the steps performed by the payment method in the following embodiments. See the description below for details.
The receiver 113, the transmitter 114, and the memory 116 may be separate or integrated with the processor 115. When the receiver 113, the transmitter 114, and the memory 116 are separately provided, the electronic device further includes a bus for connecting the transmitter 114, the receiver 113, the memory 116, and the processor 115.
The output end of the sensor 111 is connected with the data end of the processor, the sensor 111 is used for collecting biological information of a user, and the transmitter 114 transmits the biological information to the oil station server 120, wherein the biological information is used for identity verification. Wherein the biological information includes: fingerprints, faces or irises, etc.
In the embodiment, the processor is not limited to extract the user fuel amount from the fuel filling request, and the processor can also receive the user fuel amount input by the user through the human-computer interaction interface. And generating a refueling instruction according to the refueling amount of the user and the refueling request to realize the control of the fuel yield of the refueling device.
The control end of the valve is connected with the instruction end of the processor, and the oiling instruction sent by the processor controls the opening and closing of the valve. The control of the oil output of the refueling equipment is realized.
The output end of the flow meter 117 is connected with the data end of the processor, the flow meter 117 measures the flow of the oil outlet of the oil gun 112 to obtain the oil output amount of the oil filling equipment, the processor 115 generates bill information according to the oil output amount of the oil filling equipment, and the bill information is sent to the oil station server by the sender.
Fig. 3 is a schematic structural diagram of a station server according to an exemplary embodiment of the present invention, and as shown in fig. 3, the station server 120 includes a receiver 121, a processor 122, a transmitter 123, and a memory 124.
Wherein the transmitter 123 is configured to transmit data and instructions, the receiver 121 is configured to receive data and instructions, the memory 124 is configured to store computer-executable instructions, and the processor 122 is configured to execute the computer-executable instructions stored by the memory 124 to implement the steps performed by the payment method in the following embodiments. See the description below for details.
The transmitter 123, receiver 121, and memory 124 may be separate or integrated with the processor 122. When the transmitter 123, the receiver 121, and the memory 124 are separately provided, the electronic device further includes a bus for connecting the receiver 121, the transmitter 123, the memory 124, and the processor 122.
The vehicle-mounted terminal 130 stores therein identification information of a vehicle and a payment account, and if the vehicle-mounted terminal 130 can communicate with the oil station server, the vehicle-mounted terminal 130 can send the identification information of the vehicle and the payment account to the oil station server 120. If the vehicle-mounted terminal 130 cannot communicate with the oil station server 120, the identification information and the payment account of the vehicle in the vehicle-mounted terminal can be read by other devices and sent to the oil station server 120. The receiver 121 receives the biometric information of the user, the identification information of the vehicle, and the payment account, and the processor 122 matches the received biometric information with locally stored account information, wherein the account information includes the biometric information, the identification information of the vehicle, and the payment account. If the biological information is matched with the account information stored locally, whether the identification information of the vehicle is matched with the account information stored locally or not is continuously verified, whether the payment account is matched with the payment account stored locally or not is continuously verified, if the identification information of the vehicle is matched with the payment account stored locally or not, the receiver 121 receives the user fuel filling amount from the fuel filling equipment, the processor 122 generates a fuel filling request according to the user fuel filling amount, and the transmitter 123 transmits the fuel filling request.
The receiver 121 receives the billing information returned by the fueling device 120. The processor 122 generates a payment request based on the payment account and billing information. The transmitter 123 transmits a payment request for requesting deduction of a fee corresponding to the billing information to the payment server.
The vehicle-mounted terminal 130 is configured to collect identification information and a payment account of a vehicle, and send the identification information and the payment account to the oil station server. And the oil station server verifies the identity of the vehicle according to the identification information. In the present embodiment, the in-vehicle terminal 130 includes a microwave antenna installed at the ceiling of the gas station, and its identification area covers the gas station. An electronic tag (On Board Uint, abbreviated as OBU) is correspondingly installed On a vehicle, the electronic tag is installed On a front windshield of the vehicle and is convenient for communication with a microwave antenna, and the communication wave band is 5.8Hz, 2.4GHz, 915MHz, 433MHz and the like. The microwave antenna reads the identification information and the payment account number of the vehicle in the electronic tag, and the identification information of the vehicle may be at least one of the following items: license plate information of the vehicle, vehicle model, vehicle engine identification and vehicle underframe identification. And sending the read identification information and the payment account number to the oil station server. The electronic tag has an anti-dismantling function and can be ensured to be in one-to-one correspondence with vehicles.
The following focuses on the working principle of the payment system: the working principle comprises a verification process, a bill generation process and a payment request process.
Wherein, the verification process is as follows: the fuel station server receives identification information and a payment account number of the vehicle from the vehicle-mounted terminal, and receives biological information of the user from the fuel filling equipment. And receives a user fuel amount input by a user from the fuel filling apparatus. And the oil station server sequentially matches the verification information with the account information in the account information table, and if the verification information is matched with the account information, the oil station server generates an oil filling request according to the oil filling amount of the user.
The bill generation process comprises the following steps: the refueling equipment receives the refueling request and generates a refueling instruction according to the refueling request. The nozzle is opened and closed to control the oil output of the oil outlet through the control valve after receiving the oiling instruction, the flow meter measures the oil output of the oil outlet and outputs the oil output, and the oiling device generates bill information according to the oil output and sends the bill information to the oil station server.
The payment request process is as follows: and the oil station server extracts a payment account corresponding to the biological information of the user from the account information, and generates a payment request according to the payment account and the bill information, wherein the payment request is used for requesting the payment server to deduct the cost from the payment account.
According to the payment system provided by the embodiment, the refueling equipment collects the biological information of the user, the vehicle-mounted terminal collects the identification information and the payment information of the vehicle, the fueling station server verifies the biological information, the identification information and the payment information, after the verification is passed, the refueling system receives the bill information from the refueling equipment and generates a payment request according to the bill information and the payment account, and the payment server deducts the cost from the payment account according to the payment request, so that the payment reliability can be improved.
Fig. 4 is a schematic structural diagram of a payment system according to another exemplary embodiment of the present invention. As shown in fig. 4, the payment system 200 provided in this embodiment includes: the fueling equipment 210, the fueling station server 220, the in-vehicle terminal 230, the payment server 240, and the registration terminal 250.
This embodiment differs from the embodiment shown in fig. 1 in that: the registration terminal 250 is used for registering an account number in the oil station server 220. The specific process is as follows: the registration terminal 250 receives registration information input by a user through an interactive interface. Wherein, the registration information includes: identification information of the vehicle, biometric information of the user, and a payment account. The registration terminal 250, upon receiving the registration information, transmits the registration information to the oil station server 220. After receiving the registration information, the fueling station server 220 compares the registration information with the account information in the account information table one by one, and updates the account information table using the registration information if the registration information is not overlapped with the account information. And returns the information of successful registration to the registration terminal.
In the payment system provided by this embodiment, the registration terminal receives registration information input by a user, the fueling station server determines whether the registration information is registered, and if the registration information does not exist in the account information table, the registration is completed, so as to verify the biological information acquired by the fueling equipment, the identification information acquired by the vehicle-mounted terminal, and the payment account.
Fig. 5 is a schematic flowchart of a payment method according to an exemplary embodiment of the present invention, and as shown in fig. 5, the payment method provided in this embodiment is based on the payment system shown in fig. 1, and the payment method includes the following steps:
s301, the refueling equipment collects verification information by using a sensor.
More specifically, the refueling equipment comprises a sensor, and the sensor is used for collecting verification information, wherein the verification information comprises: the biometric information of the user comprises a fingerprint, a human face or an iris. After the sensor collects the biological information, the transmitter transmits the biological information to the oil station server.
For example: and the fingerprint information of the user is used for identity verification, the sensor is an infrared sensor, and the infrared sensor acquires the fingerprint information of the user.
And S302, the oil station server receives the verification information.
And S303, judging whether the verification information is matched with the account information stored locally, and if so, sending a refueling request.
More specifically, account information is stored in the fueling station server, the account information comprises biological information of a user, identification information of a vehicle and a payment account, whether verification information acquired by a verification sensor and a vehicle-mounted terminal is matched with locally stored account information or not is judged, if yes, a fueling request is sent, and the fueling request is used for controlling fueling equipment to fuel an automobile.
For example: in this embodiment, the locally stored account information includes a fingerprint, a license plate, and a payment account. And matching the fingerprint information acquired by the refueling equipment, the license plate information acquired by the vehicle-mounted terminal and the payment account with locally stored account information, and if the fingerprint information, the license plate information and the payment account are matched, sending a refueling request by the refueling station server.
And S304, the refueling equipment generates a refueling instruction for controlling the fuel yield of the refueling equipment according to the refueling request.
More specifically, the refueling device further comprises a refueling gun, wherein a fuel outlet is formed in the refueling gun, a valve is arranged near the fuel outlet, and a refueling instruction is generated according to a refueling request and is used for controlling the fuel output of the refueling device by controlling the opening and closing of the valve.
S305, the refueling equipment acquires the oil output of the refueling equipment and generates bill information according to the oil output.
More specifically, the refueling apparatus further includes a flow meter provided at the oil outlet for measuring an oil discharge amount of the oil outlet in one refueling process. And the refueling equipment generates bill information according to the oil output and the current oil price. Billing information may also be generated based on the volume of oil produced.
And S306, the refueling equipment sends bill information to the oil station server.
And S307, the oil station server sends a payment request to the payment server.
More specifically, the bill information is included in the payment request, and the payment request is used for requesting deduction of a fee from the payment account.
In the payment method provided by the embodiment, the identity authentication is realized by verifying the biological information, and after the biological information passes the authentication, the fee corresponding to the deduction bill information is further used.
Fig. 6 is a flowchart illustrating a payment method according to another exemplary embodiment of the present invention, and as shown in fig. 6, the payment method provided in this embodiment is based on the payment system shown in fig. 1, and the payment method includes the following steps:
s401, the vehicle-mounted terminal collects identification information and a payment account of the vehicle.
More specifically, the vehicle-mounted terminal comprises a microwave radio device, an OBU is correspondingly installed on the vehicle, tag information on the OBU is collected in the microwave radio device, and the tag information comprises identification information and a payment account of the vehicle. For example: license plate information, vehicle model, engine number, frame number, and the like. The communication wave bands of the microwave wireless and electronic tags are 5.8Hz, 2.4GHz, 915MHz, 433MHz and the like.
For example: the license plate information of the vehicle is stored in the electronic tag, and the communication wave band used by the microwave antenna and the electronic tag is 5.8 Hz.
And S402, the refueling device collects biological information of the user by using a sensor.
More specifically, the refueling equipment comprises a sensor, and the sensor is used for acquiring biological information of a user, wherein the biological information of the user comprises a fingerprint, a human face or an iris. After the sensor collects the biological information, the sensor is transmitted to other devices of the refueling equipment, and the biological information is sent to the oil station server by the other devices of the refueling equipment.
For example: and the fingerprint information of the user is used for identity verification, the sensor is an infrared sensor, and the infrared sensor acquires the fingerprint information of the user.
And S403, the refueling device receives the user fuel filling amount input by the user.
More specifically, the user oil filling amount input by the user is received through the man-machine interaction interface, and the user oil filling amount is sent to the oil station server.
For example: the user inputs the fuel filling amount to be 30L through the man-machine interaction interface.
S404, the oil station server receives the biological information of the user, the identification information of the vehicle, the payment account and the fuel filling amount of the user.
For example: and the oil station server receives the fingerprint information, the license plate information and the oil filling amount of the user.
S405, judging whether the biological information of the user, the identification information of the vehicle and the payment account are matched with the account information stored locally, and if so, generating a refueling request according to the refueling amount of the user.
More specifically, account information is stored in the fueling station server, the account information comprises biological information of a user, identification information of a vehicle and a payment account number, whether verification information is matched with the locally stored account information or not is confirmed, if yes, the fueling station server generates a fueling request according to the fueling amount of the user, and the fueling request is used for controlling fueling equipment to fuel an automobile.
For example: in this embodiment, the locally stored account information includes a fingerprint and a license plate. And matching the fingerprint information acquired by the refueling equipment and the license plate information acquired by the vehicle-mounted terminal with locally stored account information, and if the fingerprint information and the license plate information are matched, generating a refueling request by the refueling station server according to the fuel filling amount of a user.
And S406, the oil station server sends a refueling request to the refueling equipment.
And S407, the refueling equipment generates a refueling instruction for controlling the fuel yield of the refueling equipment according to the refueling request.
More specifically, the refueling device further comprises a refueling gun, wherein a fuel outlet is formed in the refueling gun, a valve is arranged near the fuel outlet, and a refueling instruction is generated according to a refueling request and is used for controlling the fuel output of the refueling device by controlling the opening and closing of the valve.
And S408, the refueling equipment acquires the oil output of the refueling equipment and generates bill information according to the oil output.
More specifically, the refueling apparatus further includes a flow meter provided at the oil outlet for measuring an oil discharge amount of the oil outlet in one refueling process. And the refueling equipment generates bill information according to the oil output and the current oil price. Billing information may also be generated based on the volume of oil produced.
And S409, the refueling equipment sends bill information to the oil station server.
And S410, the oil station server determines a payment request according to the bill information and the payment account number.
S411, the oil station server sends a payment request to the payment server.
More specifically, the payment request includes a payment account and billing information, and the payment request requests that a fee be deducted from the payment account.
And S412, the payment server deducts the fee from the payment account according to the payment request.
More specifically, the payment server extracts the payment account and the bill information from the payment request and deducts the amount to be deducted from the bill information in the payment account.
In the payment method provided by the embodiment, the biological information, the identification information of the vehicle and the payment account are verified, and after the biological information, the corresponding fee is deducted from the payment account corresponding to the biological information.
Fig. 7 is a flowchart illustrating a payment method according to another exemplary embodiment of the present invention, and as shown in fig. 7, the payment method provided in this embodiment is based on the payment system shown in fig. 2, and includes the following steps:
s501, the registration terminal receives registration information input by a user.
More specifically, the user equipment inputs registration information through the interactive interface, and the registration information comprises: identification information of the vehicle, biometric information of the user, and a payment account.
And S502, the registration terminal sends registration information to the oil station server.
S503, the oil station server judges whether the registration information is repeated with the account information stored locally, and if the registration information is not repeated, the oil station server updates the account information by using the registration information.
More specifically, if it is determined that the registration information and the account information are not duplicated, the registration information is added to the account information table.
And S504, the oil station server sends registration success information to the registration terminal.
In the payment method provided by this embodiment, the registration terminal receives registration information input by a user, the oil station server determines whether the registration information is registered, and if the registration information does not exist in the account information table, the registration is completed, so as to verify the biological information collected by the refueling device and the identification information collected by the vehicle-mounted terminal.
The invention provides a payment device, which is applied to an oil station server and comprises:
a receiver configured to receive authentication information, wherein the authentication information includes: biometric information of the user;
a transmitter for transmitting a fueling request to the fueling equipment if the verification information matches the locally stored account information;
the processor is used for receiving the bill information from the refueling equipment and generating a payment request according to the bill information;
a transmitter for transmitting a payment request to a payment server; the payment request is used for requesting to deduct the cost corresponding to the bill information.
Optionally, the processor is further configured to determine a payment account corresponding to the biological information from the account information table; wherein the payment account is used to generate the payment request.
Optionally, the verification information further includes: identification information of the vehicle.
Optionally, the biological information comprises: fingerprint, face, or iris.
Optionally, the receiver is further configured to receive registration information from the registration terminal, where the registration information includes: identification information of the vehicle, biometric information of the user, and a payment account;
the processor is further used for updating the account information table by using the registration information if the registration information is determined not to be repeated with the locally stored account information; the account information table comprises at least one piece of account information.
The invention provides a payment device, which is applied to refueling equipment and comprises:
a receiver for receiving a fueling request from a fueling station server; wherein the refueling request is used for generating a refueling instruction for controlling the fuel output of the refueling equipment;
the processor is used for acquiring the oil output of the refueling equipment and generating bill information according to the oil output;
and the transmitter is used for transmitting the bill information to the oil station server, and the bill information is used for generating the payment request.
Optionally, the refueling apparatus comprises: the receiver is also used for receiving the biological information collected by the sensor, and the transmitter is also used for transmitting the biological information to the oil station server.
The present embodiments also provide a computer-readable storage medium having stored thereon computer-executable instructions that, when executed by a processor, implement a payment method as performed by an electronic device.
Finally, it should be noted that: the above embodiments are only used to illustrate the technical solution of the present invention, and not to limit the same; while the invention has been described in detail and with reference to the foregoing embodiments, it will be understood by those skilled in the art that: the technical solutions described in the foregoing embodiments may still be modified, or some or all of the technical features may be equivalently replaced; and the modifications or the substitutions do not make the essence of the corresponding technical solutions depart from the scope of the technical solutions of the embodiments of the present invention.
Claims (10)
1. A payment method is applied to a fuel station server, and comprises the following steps:
receiving authentication information, wherein the authentication information comprises: biometric information of the user;
if the verification information is matched with locally stored account information, sending a refueling request to refueling equipment;
receiving bill information from the refueling equipment and generating a payment request according to the bill information;
sending a payment request to the payment server; and the payment request is used for requesting to deduct the cost corresponding to the bill information.
2. The method according to claim 1, wherein the receiving authentication information specifically comprises:
the method comprises the steps of receiving identification information of a vehicle and a payment account from a vehicle-mounted terminal, wherein the vehicle-mounted terminal is installed on the vehicle.
3. The method of claim 1, wherein the vehicle-mounted terminal comprises: an electronic tag; the receiving of the identification information and the payment account of the vehicle from the vehicle-mounted terminal specifically includes:
receiving identification information of the vehicle and the payment account from a microwave antenna; wherein the identification information of the vehicle and the payment account are read by the microwave antenna from the electronic tag.
4. The method of claim 2, wherein the payment request is further generated from the payment account.
5. The method according to claim 1 or 2, characterized in that the method further comprises:
receiving registration information from a registration terminal, wherein the registration information includes: identification information of the vehicle, biometric information of the user, and a payment account;
if the registration information is determined not to be repeated with the locally stored account information, updating the account information table by using the registration information; wherein the account information table includes at least one account information.
6. A payment method, applied to a fuel filling apparatus, the method comprising:
receiving a fueling request from a fueling station server; wherein the fueling request is used to generate a fueling instruction that controls a fueling amount of the fueling equipment;
acquiring the oil output of the refueling equipment, and generating bill information according to the oil output;
and sending the bill information to the oil station server, wherein the bill information is used for generating a payment request.
7. The method according to claim 6, characterized in that the refueling apparatus comprises: a sensor, prior to said receiving a fueling request from the fueling station server, the method further comprising:
and receiving biological information acquired by the sensor and sending the biological information to the oil station server.
8. A fuel station server, the server comprising:
a memory for storing a program;
a processor for executing the program stored in the memory, the processor being configured to perform the payment method of any one of claims 1 to 5 when the program is executed.
9. A fuel filling apparatus, characterized by comprising:
a sensor for collecting biological information of a user;
a memory for storing a program;
a processor for executing the program stored by the memory, the processor being configured to perform the payment method of claim 6 or 7 when the program is executed.
10. A payment system, comprising: the system comprises an oil station server, an oil filling device and a vehicle-mounted terminal positioned on a vehicle.
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| Application Number | Priority Date | Filing Date | Title |
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| CN202010139966.9A CN111340473A (en) | 2020-03-03 | 2020-03-03 | Payment method, device and system |
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| CN202010139966.9A CN111340473A (en) | 2020-03-03 | 2020-03-03 | Payment method, device and system |
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| CN111340473A true CN111340473A (en) | 2020-06-26 |
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| CN202010139966.9A Pending CN111340473A (en) | 2020-03-03 | 2020-03-03 | Payment method, device and system |
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