CN111353782A - Fraud detection method, device and system for vehicle-based payment - Google Patents
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- G06Q20/00—Payment architectures, schemes or protocols
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- G06Q20/00—Payment architectures, schemes or protocols
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Abstract
The invention relates to a fraud detection method, device and system for vehicle-based payments. The method comprises the following steps: receiving a payment request sent by a vehicle; acquiring a vehicle identifier of the vehicle; collecting vehicle data regarding a status of the vehicle identified by the vehicle identification; analyzing the payment request and the vehicle data to validate the payment request. The fraud detection method, the device and the system provided by the embodiment of the invention can realize effective payment fraud detection by utilizing the unique characteristics of vehicle-based payment so as to ensure the payment safety and reduce the payment service loss.
Description
Technical Field
The present invention relates to a technology for detecting fraudulent payments, and more particularly, to a method, apparatus and system for detecting fraud for vehicle-based payments.
Background
With the development of communication technology and network technology, vehicle-based electronic payment technology has been widely used, for example, parking fees, New Energy Vehicles (NEV) charging fees, road tolls, road and bridge usage fees, etc., are electronically paid, and thus payment efficiency is greatly improved. And accordingly fraudulent payments occur. Fraudulent payment requests are typically made by misappropriating a vehicle Identification (ID) and simulating a payment transaction, for example, using a counterfeit vehicle license plate to generate a fraudulent payment request.
Traditional payment fraud detection schemes are based on payment device identification, password entry behavior, and big data analysis based on payment transactions. These conventional payment fraud detection schemes still belong to conventional detection schemes, and mainly concern how to prevent illegal payment transactions in the payment transaction process, and do not consider unique characteristics of vehicle-based payments, so that fraud detection of vehicle payments cannot be effectively realized, and it is difficult to prevent payment fraud behaviors that technological means are increasingly improved.
Disclosure of Invention
The invention aims to provide a fraud detection method, equipment and a system for vehicle-based payment, so as to realize effective payment fraud detection, ensure payment safety and reduce payment service loss.
According to an embodiment of the invention, there is provided a fraud detection method for vehicle-based payments, comprising: receiving a payment request sent by a vehicle; acquiring a vehicle identifier of the vehicle; collecting vehicle data regarding a status of the vehicle identified by the vehicle identification; analyzing the payment request and the vehicle data to validate the payment request.
According to another embodiment of the invention, there is provided a fraud detection apparatus for vehicle-based payments, comprising: a receiver configured to receive a payment request issued by the vehicle; a communication device configured to receive vehicle data from a remote server regarding a status of a vehicle identified by the vehicle identification, in accordance with the vehicle identification of the vehicle; and a data analysis device configured to analyze the payment request and vehicle data of the identified vehicle to validate the payment request.
According to yet another embodiment of the invention, there is provided a fraud detection system for vehicle-based payments, comprising: a fraud detection device for vehicle-based payments; and a remote server configured to receive and store vehicle data regarding the status of a plurality of vehicles, wherein the vehicle data is collected by sensors on the plurality of vehicles and wirelessly transmitted to the remote server.
Brief Description of Drawings
FIG. 1 is a flow diagram of a method for detecting fraudulent payment requests according to an embodiment of the present invention;
FIG. 2 illustrates an example of collected vehicle sensor data and corresponding fraud detection rules;
FIG. 3 is a block diagram of an apparatus and system for detecting fraudulent payment requests according to an embodiment of the present invention; and
fig. 4 is a flow diagram of a method for processing a payment request in accordance with an embodiment of the present invention.
Detailed Description
A fraud detection method for vehicle-based payments according to an embodiment of the invention includes: receiving a payment request sent by a vehicle; acquiring a vehicle identification of a vehicle, such as a vehicle license plate number; collecting vehicle data regarding a status of the vehicle identified by the vehicle identification; the payment request and the vehicle data are analyzed to validate the payment request. In embodiments of the present invention, utilizing characteristics unique to vehicle-based payments, for example, payment transactions are typically associated with a state of a vehicle (e.g., location, battery level, fuel level, etc.). With such an association, by analyzing the payment request and the status of the vehicle, it can be determined whether the vehicle from which the payment request originated is consistent with the vehicle identified by the vehicle identification, thereby verifying whether the payment request is fraudulent. A vehicle identified by a vehicle identification (e.g., a legal license plate number) can be considered a legal, real vehicle. For example, when a fraudster uses a counterfeit license plate or steals the license plate of another person, the state of the vehicle driven by the fraudster will inevitably be significantly inconsistent with the state of the vehicle actually identified by the license plate. The above-described method according to embodiments of the invention may, however, verify the payment request by detecting such an inconsistency. In this case, even if the fraudster can simulate the payment transaction by technical means, it will be identified as such.
Fig. 1 shows a flow diagram of a method for detecting fraudulent payment requests according to an embodiment of the invention. In the embodiment of FIG. 1, by analyzing the payment request and the collected vehicle data regarding the status of the vehicle identified by the vehicle identification, the payment request is determined to be fraudulent when it is determined that the vehicle making the payment request is not consistent with the vehicle identified by its vehicle identification; and when the vehicle sending the payment request is judged to be consistent with the vehicle identified by the vehicle identification, determining that the payment request is normal. In one embodiment, the payment request is determined to be fraudulent when it is determined that the information contained by the payment request is inconsistent with the state of the identified vehicle indicated by the vehicle data.
FIG. 2 illustrates an example of collected vehicle sensor data and corresponding fraud detection rules. These vehicle sensor data may include, for example, at least one of vehicle position, fuel level, battery level, vehicle speed, and vehicle start status. For example, a vehicle is mounted with a positioning system for detecting a vehicle position, a fuel level sensor, a sensor for detecting a battery remaining amount, a vehicle speed sensor, and a sensor for detecting a vehicle start state. Data detected by these vehicle sensors may be communicated to a remote server for use in fraud analysis for vehicle-based payment requests. By analyzing the vehicle sensor data according to the corresponding fraud detection rules, possible inconsistencies between the payment request, the vehicle from which the payment request originated, and the vehicle identified by the vehicle identification may be detected to validate the payment request.
In one embodiment, the vehicle data identifying the identified vehicle includes the location where the identified vehicle was located when the payment request was made. The location information may be obtained from a remote server. The fraud detection rules in this embodiment are: when it is determined that the location of the vehicle from which the payment request is made deviates from the location of the identified vehicle, the payment request is determined to be fraudulent. The position information of the vehicle that issued the payment request may be acquired, for example, by a toll collection device that accepts the payment request, such as an ETC electronic toll collection system, a parking toll collection system in a parking lot, a roadside electronic parking toll collection peg, and the like. For example, at the same time, the vehicle making the payment request is at a highway toll station and the identified vehicle is parked at a parking lot, the road toll payment request made may be determined to be fraudulent.
In one embodiment, the vehicle identified by the vehicle identification and the vehicle from which the payment request is made is an electric or hybrid vehicle, including a battery-powered system. The payment request indicates that battery charge is requested, i.e., the vehicle requires charging services; and the vehicle data for the identified vehicle includes the amount of change in battery charge of the identified vehicle after the payment request is issued (e.g., within a predetermined period of time). The fraud detection rule in this embodiment is that the payment request is determined to be fraudulent when the requested battery charge indicated in the payment request is determined not to match the amount of change in battery charge of the identified vehicle. For example, a vehicle issuing a payment request may be determined to be fraudulent if its battery charge increases after charging, but the battery charge of the identified vehicle does not change for the same period of time.
In one embodiment, the vehicle making the payment request and the vehicle identified by the vehicle identification are both common fuel vehicles; the payment request indicates a requested fuel purchase amount, i.e., the vehicle needs to purchase fuel; the vehicle data for the identified vehicle includes an amount of fuel change for the identified vehicle after the payment request is issued (e.g., within a predetermined period of time). The fraud detection rules in this embodiment are: when the requested amount of fuel purchase indicated in the payment request does not match the amount of fuel change for the identified vehicle, e.g., the fuel level in the tank of the identified vehicle has not increased by a corresponding amount, then the payment request is determined to be fraudulent.
In one embodiment, the vehicle data for the identified vehicle includes the location where the identified vehicle was located when the payment request was made; the location information is obtained, for example, from a remote server. The fraud detection rules in this embodiment are: when the payment request indicates a request to purchase fuel and the identified vehicle is not located within the fueling station area, it is determined that the identified vehicle is not refueled, thereby determining that the payment request is fraudulent.
In one embodiment, the vehicle data for the identified vehicle includes a launch status of the identified vehicle; the startup state information is obtained from a remote server, for example. The fraud detection rules in this embodiment are: when the payment request is a road toll payment request and the activation status of the identified vehicle indicates that the identified vehicle was in an inactivated state at the time the payment request was issued, it is determined that the identified vehicle is unlikely to travel on the toll road, thereby determining that the payment request is fraudulent.
In one embodiment, the vehicle data of the identified vehicle includes a vehicle speed of the identified vehicle. For example, the remote server may collect and record vehicle speed information for the vehicle over a period of time during which the vehicle is traveling. The fraud detection rules in this embodiment are: when the speeding ticket for the identified vehicle remains below the speed limit for the speed of the identified vehicle during a time period, it is determined that there is another vehicle having the same vehicle identification, i.e., there is a situation where the vehicle identification is stolen.
The above are some specific embodiments of fraud payment detection. The present invention is not limited to these examples. The fraud detection rules described above may be used alone or in combination. For example, determining simultaneously whether the amount of change in fuel level in the tank of the identified vehicle and the location of the vehicle are within the fueling station area.
Fig. 3 shows a block diagram of an apparatus and system for detecting fraudulent payment requests according to an embodiment of the present invention. In this embodiment, the fraud detection apparatus 200 for vehicle-based payment, as shown by the dashed box in the figure, includes: a receiver 210 configured to receive a payment request issued by the vehicle 100; a communication device 230 configured to receive vehicle data regarding a state of a vehicle (e.g., vehicle i) identified by the vehicle identification from the remote server 300 according to the vehicle identification of the vehicle 100; and a data analysis device 220 configured to analyze the payment request and the vehicle data of the identified vehicle i to validate the payment request.
The data analysis means 220 in the fraud detection apparatus 200 of this embodiment may analyse the payment request, together with the collected information about the vehicle 100 from which the payment request was made and the vehicle data about the status of the vehicle identified by the vehicle identification (e.g. vehicle i), using the fraud detection rules as described above to enable fraud detection of the payment request. The fraud detection apparatus 200 may be integrated in various vehicle toll systems, such as a parking toll collection system in a parking lot, a roadside electronic parking toll post, an ETC electronic toll collection system in a road and bridge toll station, a fuel dispenser toll collection system, a new energy vehicle charging toll collection system, and the like.
The vehicle 100 that issues the payment request may issue the payment request electronically (e.g., a payment card using an electronic chip card, a magnetic card, etc. as a medium, or wirelessly). The receiver 210 then receives the payment request electronically in response, and at the same time receives vehicle data from the remote server 300 using the communication means 230 regarding the status of the vehicle i identified by the vehicle identification, which is analyzed by the data analysis means 220 in accordance with the fraud detection rules to validate the payment request. By determining whether the vehicle 100 is the vehicle i, it can be determined whether the payment request of the vehicle 100 is fraudulent.
The vehicle identification of the vehicle 100 making the payment request may be obtained by the toll device and/or the receiver 210 when the payment request is made by the owner of the vehicle using a payment card containing the vehicle identification held by the owner of the vehicle, or may be automatically obtained by a vehicle license plate recognition system provided at the vehicle toll device.
In this embodiment, the fraud detection system comprises: a fraud detection device 200; and a remote server 300 configured to receive and store vehicle data regarding the status of a plurality of vehicles, wherein the vehicle data is collected by sensors on a plurality of vehicles (e.g., vehicle 1, …, vehicle i, …, vehicle N) and wirelessly transmitted to the remote server 300, and the remote server 300 collects the vehicle data and builds a vehicle status database for fraud detection.
Fig. 4 shows a flow diagram of a method for processing a payment request according to an embodiment of the invention. The flow chart relates to the overall process of processing a payment request. Firstly, a data collector collects data about vehicle states detected by sensors arranged on each vehicle and transmits the data to a remote server; various fraud detection rules are managed and configured by the fraud detection system. When any one of the electronic toll collection devices for vehicle-based payment receives an input payment request, the integrated fraud detection device obtains vehicle data of the state of the vehicle identified by the relevant vehicle identification from the database of the remote server and performs data analysis according to fraud detection rules to detect whether the payment request is fraudulent. If the payment request is judged to be fraudulent, the payment request is rejected by the charging equipment, the owner of the vehicle identified by the vehicle identification is reported, and whether a case is required to be reported to a public security department or a traffic management department is inquired; if the owner of the vehicle indicates that a report is required, the fraud encountered on the payment request can be reported in the service background to prompt relevant departments to intervene in relevant surveys in time. If the fraud detection device judges that the payment request is not fraudulent but normal after data analysis, obtaining bill information about the payment transaction from a background of a service provider; and when the bill is verified to be correct, carrying out settlement payment according to the payment request, informing that the payment is finished, and finishing the whole process.
The fraud detection method, the device and the system provided by the embodiment of the invention utilize the unique characteristics of the vehicle-based payment to realize effective payment fraud detection aiming at the vehicle-based payment so as to ensure the payment safety and reduce the payment service loss. The fraud detection method, the equipment and the system provided by the embodiment of the invention can provide a more accurate fraud detection mechanism based on the existing vehicle sensor, and have lower cost.
The above examples, which describe specific embodiments of the present invention, are illustrative and not limiting. It will be understood by those skilled in the art that various changes and modifications may be made to the above-described embodiments without departing from the spirit of the invention. The scope of the invention should be determined from the following claims.
Claims (22)
1. A fraud detection method for vehicle-based payments, comprising:
receiving a payment request sent by a vehicle;
acquiring a vehicle identifier of the vehicle;
collecting vehicle data regarding a status of the vehicle identified by the vehicle identification;
analyzing the payment request and the vehicle data to validate the payment request.
2. The method of claim 1, wherein the analyzing comprises: determining that the payment request is fraudulent when the vehicle is determined to be inconsistent with the identified vehicle.
3. The method of claim 1 or 2, wherein the analyzing comprises: determining that the payment request is fraudulent when the information contained in the payment request is determined to be inconsistent with the state of the identified vehicle indicated by the vehicle data.
4. The method of claim 1, wherein the vehicle data of the identified vehicle comprises at least one of: vehicle location, fuel inventory, battery remaining capacity, vehicle speed, and vehicle launch status.
5. The method of claim 2, wherein the vehicle data includes at least a location at which the identified vehicle was located when the payment request was issued;
the analysis comprises the following steps: determining that the payment request is fraudulent when the vehicle is determined to be in a location that deviates from the location of the identified vehicle when the payment request is issued.
6. The method of claim 3, wherein the vehicle includes a battery-driven system, the payment request indicates a request for battery charge, the vehicle data includes at least an amount of change in battery charge of the vehicle identified after issuing the payment request;
the analysis comprises the following steps: determining that the payment request is fraudulent when a requested battery charge indicated in the payment request does not match the identified amount of battery charge variation for the vehicle.
7. The method of claim 3, wherein the payment request indicates a requested amount of fuel purchase, the vehicle data including at least an amount of fuel change for the identified vehicle after issuing the payment request;
the analysis comprises the following steps: determining that the payment request is fraudulent when the requested amount of fuel purchase indicated in the payment request does not match the amount of fuel change for the identified vehicle.
8. The method of claim 2, wherein the vehicle data includes at least a location at which the identified vehicle was located when the payment request was issued;
the analysis comprises the following steps: determining that the payment request is fraudulent when the payment request indicates a request to purchase fuel and the identified location of the vehicle is not within the fueling station area.
9. The method of claim 3, wherein the vehicle data includes a launch status of the identified vehicle;
the analysis comprises the following steps: determining that the payment request is fraudulent when the payment request is a road tolling payment request and the activation status of the identified vehicle indicates that the identified vehicle was in an inactivated state at the time the payment request was issued.
10. The method of claim 1, wherein the vehicle data includes a vehicle speed of the identified vehicle;
the method further comprises the following steps: determining that there are other vehicles having the same vehicle identification when the speeding ticket for the identified vehicle remains below the speed limit for the speed of the identified vehicle.
11. A fraud detection apparatus for vehicle-based payment, comprising:
a receiver configured to receive a payment request issued by the vehicle;
a communication device configured to receive vehicle data from a remote server regarding a status of a vehicle identified by the vehicle identification, in accordance with the vehicle identification of the vehicle; and
a data analysis device configured to analyze the payment request and vehicle data of the identified vehicle to validate the payment request.
12. A fraud detection apparatus according to claim 11, wherein the data analysis means is configured to determine that the payment request is fraudulent when it is determined that the vehicle is not in accordance with the identified vehicle.
13. A fraud detection apparatus according to claim 11 or 12, wherein the data analysis means is configured to determine that the payment request is fraudulent when it is determined that the information contained in the payment request does not correspond with the state of the identified vehicle indicated by the vehicle data.
14. The fraud detection apparatus of claim 11, wherein the vehicle data received from the remote server includes at least one of: vehicle location, fuel inventory, battery remaining capacity, vehicle speed, and vehicle launch status.
15. The fraud detection apparatus of claim 12, wherein the vehicle data includes at least a location at which the identified vehicle was located at the time the payment request was issued;
the data analysis device is configured to determine that the payment request is fraudulent when it is determined that the vehicle was in a location that deviates from the location of the identified vehicle when the payment request was made.
16. The fraud detection apparatus of claim 13, wherein the vehicle includes a battery-driven system, the payment request indicates a request for battery charge, the vehicle data includes at least an amount of change in battery charge of the vehicle identified after the payment request was issued;
the data analysis device is configured to determine that the payment request is fraudulent when it is determined that the requested battery charge indicated in the payment request does not match the amount of change in battery charge of the identified vehicle.
17. A fraud detection apparatus according to claim 13, wherein the payment request indicates a requested amount of fuel purchase, the vehicle data including at least an amount of fuel change for the vehicle identified after the payment request was issued;
the data analysis device is configured to determine that the payment request is fraudulent when the requested amount of fuel purchased indicated in the payment request is determined not to match the amount of fuel change for the identified vehicle.
18. The fraud detection apparatus of claim 12, wherein the vehicle data includes at least a location at which the identified vehicle was located at the time the payment request was issued;
the data analysis device is configured to determine that the payment request is fraudulent when it is determined that the payment request indicates a request to purchase fuel and the identified location of the vehicle is not within the fueling station area.
19. The fraud detection apparatus of claim 13, wherein the vehicle data includes an activation status of the identified vehicle;
the data analysis device is configured to determine that the payment request is fraudulent when it is determined that the payment request is a road tolling payment request and the activation status of the identified vehicle indicates that the identified vehicle was in an un-activated state at the time the payment request was issued.
20. The fraud detection apparatus of claim 11, wherein the vehicle data includes a vehicle speed of the identified vehicle;
the data analysis device is configured to determine that there are other vehicles having the same vehicle identification when it is determined that the speeding ticket for the identified vehicle remains below the speed limit for the speed of the identified vehicle.
21. A fraud detection system for vehicle-based payments, comprising:
a fraud detection apparatus according to any of claims 11 to 20; and
a remote server configured to receive and store vehicle data regarding a status of a plurality of vehicles, wherein the vehicle data is collected by sensors on the plurality of vehicles and wirelessly transmitted to the remote server.
22. The fraud detection system of claim 21, wherein the remote server receives data collected from at least one of the following components disposed on the vehicle: a positioning system for detecting the position of the vehicle, a sensor for detecting the fuel stock amount, a sensor for detecting the remaining amount of battery, a vehicle speed sensor, and a sensor for detecting the starting state of the vehicle.
Priority Applications (3)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201811563688.9A CN111353782A (en) | 2018-12-20 | 2018-12-20 | Fraud detection method, device and system for vehicle-based payment |
| PCT/EP2019/085235 WO2020126965A1 (en) | 2018-12-20 | 2019-12-16 | Fraud detection method, apparatus and system for vehicle-based payment |
| DE112019006333.2T DE112019006333A5 (en) | 2018-12-20 | 2019-12-16 | FRAUD DETECTION METHOD, DEVICE AND SYSTEM FOR VEHICLE-BASED PAYMENT |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201811563688.9A CN111353782A (en) | 2018-12-20 | 2018-12-20 | Fraud detection method, device and system for vehicle-based payment |
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| CN111353782A true CN111353782A (en) | 2020-06-30 |
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| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201811563688.9A Pending CN111353782A (en) | 2018-12-20 | 2018-12-20 | Fraud detection method, device and system for vehicle-based payment |
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| Country | Link |
|---|---|
| CN (1) | CN111353782A (en) |
| DE (1) | DE112019006333A5 (en) |
| WO (1) | WO2020126965A1 (en) |
Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US20220172212A1 (en) * | 2020-11-27 | 2022-06-02 | Hyundai Motor Company | Device and method for detecting a fraudulent financial transaction |
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- 2019-12-16 DE DE112019006333.2T patent/DE112019006333A5/en active Pending
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| CN102812488A (en) * | 2010-02-08 | 2012-12-05 | 维萨国际服务协会 | Fraud reduction system for transactions |
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Also Published As
| Publication number | Publication date |
|---|---|
| DE112019006333A5 (en) | 2021-09-02 |
| WO2020126965A1 (en) | 2020-06-25 |
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