CN112541980A

CN112541980A - In-vehicle device, in-vehicle terminal system, payment method, and non-transitory computer-readable storage medium

Info

Publication number: CN112541980A
Application number: CN202011504735.XA
Authority: CN
Inventors: 朱艺婷; 朱志海; 陆志伟; 周进
Original assignee: Alipay Hangzhou Information Technology Co Ltd
Current assignee: AlipayCom Co ltd
Priority date: 2020-12-18
Filing date: 2020-12-18
Publication date: 2021-03-23

Abstract

The application provides an in-vehicle apparatus, an in-vehicle terminal system, a payment method, and a non-transitory computer-readable storage medium. The payment method is used for an on-board device fixedly installed in a target vehicle, the on-board device comprises a first interface, and the payment method comprises the following steps: when a target vehicle enters a target area covered with a payment identifier, collecting payment identifier data through a first data collection device connected to the first interface; analyzing and checking the payment identification data; and if the payment identification data passes the verification, sending an instruction signal to a charging system based on the payment identification data, wherein the instruction signal comprises the identity of the target vehicle, and the instruction signal instructs the charging system to calculate the payment due and activate a payment process.

Description

In-vehicle device, in-vehicle terminal system, payment method, and non-transitory computer-readable storage medium

Technical Field

The present application relates to the field of smart driving, and in particular, to a vehicle-mounted device, a vehicle-mounted terminal system, a payment method, and a non-transitory computer-readable storage medium.

Background

In some small and medium-sized parking lots without introducing automatic code scanning equipment or noninductive payment, a user is generally required to scan a specific two-dimensional code of the parking lot by using a mobile phone and fill in license plate information to complete parking fee payment. The payment process consumes a long time, and can cause the congestion of the exit of the parking lot to a certain extent in a time period with a large traffic flow, so that the travel efficiency is influenced.

Disclosure of Invention

In order to solve the technical problem, the application discloses a payment method, which is used for an on-board device fixedly installed in a target vehicle, wherein the on-board device comprises a first interface, and the payment method comprises the following steps: when a target vehicle enters a target area covered with a payment identifier, collecting payment identifier data through a first data collection device connected to the first interface; analyzing and checking the payment identification data; and if the payment identification data passes the verification, sending an instruction signal to a charging system based on the payment identification data, wherein the instruction signal comprises the identity of the target vehicle, and the instruction signal instructs the charging system to calculate the payment due and activate a payment process.

In some embodiments, the first data acquisition device comprises a camera on a vehicle event recorder.

In some embodiments, the vehicle-mounted device further includes a second interface, the second interface is operatively connected to a sound pickup device, and the collecting the payment identification data by the first data collecting device connected to the first interface includes: and activating the first data acquisition device to acquire the flow of the payment identification data based on the first sound information acquired by the pickup device.

In some embodiments, the activating the first data collecting device to collect the payment identification data based on the first sound information collected by the sound collecting device includes: acquiring the first sound information collected by the pickup device; and identifying preset keywords contained in the first voice message, and activating the first data acquisition device to acquire the payment identification data.

In some embodiments, the payment identification data includes a target link pointing to the charging system; and the sending of the instruction signal to the charging system according to the payment identification data and the identity of the target vehicle comprises: and acquiring the target link, and uploading the identity to the charging system through the target link.

In some embodiments, the instruction signal further comprises payment account information bound to the identity; and the charging system executes, after receiving the instruction signal: and calculating the payment due fee according to the identity, generating order data according to the information of the payment due fee, the payment account information and the charging account information, and sending the order data to a third party payment platform to request the third party payment platform to transfer the payment due fee from the payment account to the charging account.

In some embodiments, wherein the in-vehicle device further comprises a third interface configured to connect to a biometric device; and the payment method further comprises: and acquiring the biological identification information of the user through the biological identification device, and sending the biological identification information to the third-party payment platform to request the third-party payment platform to verify the request.

In some embodiments, wherein the biometric device comprises a sound pickup device; and the payment method further comprises: the sound pickup device collects second sound information of the user and sends the second sound information to the third-party payment platform to request the third-party payment platform to check the second sound information.

In some embodiments, wherein the biometric device comprises a fingerprint extraction device; and the payment method further comprises: the fingerprint information of the user is collected through the fingerprint extraction device, and the fingerprint information is sent to the third party payment platform to request the third party payment platform to verify the fingerprint information.

In some embodiments, wherein the biometric device comprises an endoscopic device; and the payment method further comprises: the iris and/or facial feature information of the user is collected through the inward-looking device, and the iris feature and/or facial feature information is sent to the third-party payment platform to request the third-party payment platform to check the iris and/or facial feature information.

In some embodiments, the payment method further comprises: receiving payment due information from the charging system; establishing a near field communication connection with a target mobile electronic device located within the target vehicle; and sending a data packet to the target mobile electronic device to request the target mobile electronic device to initiate a payment process, wherein the data packet comprises charging account information and the information of the fee to be paid.

The present application also provides a non-transitory computer readable storage medium having stored thereon at least one set of instructions, which when executed by at least one processor, instructs the processor to perform the steps of the payment method described herein.

The present application further provides an on-board device, fixedly mounted in a target vehicle, comprising: a first interface configured to connect to a first data acquisition device; at least one memory storing at least one set of instructions for paying a fee for the target vehicle; and at least one processor, communicatively coupled to the at least one memory, that, when executed, reads the at least one instruction set and performs, as indicated by the at least one instruction set: when a target vehicle enters a target area covered with a payment identifier, collecting payment identifier data through the first data collection device connected to the first interface; analyzing and checking the payment identification data; and if the payment identification data passes the verification, sending an instruction signal to a charging system based on the payment identification data, wherein the instruction signal comprises the identity of the target vehicle, and the instruction signal instructs the charging system to calculate the payment due and activate a payment process.

In some embodiments, the vehicle-mounted device further comprises a second interface, wherein the second interface is configured to be connected with a sound pickup device; and the set of instructions, when executed by the at least one processor, further instruct the processor to: and activating the flow of collecting the payment identification data by the first data collecting device based on the first sound information collected by the pickup device connected to the second interface.

In some embodiments, the activating the first data collecting device to collect the payment identification data based on the first sound information collected by the sound collecting device includes: collecting the first sound information through the sound pickup device; and identifying preset keywords contained in the first voice message, and activating the first data acquisition device to acquire the payment identification data.

In some embodiments, the instruction signal further comprises payment account information bound to the identity; and the charging system executes, after receiving the instruction signal: calculating the fee to be paid according to the identity; and generating order data according to the information of the due payment, the payment account information and the charging account information, and sending the order data to a third party payment platform to request the third party payment platform to transfer the due payment from the payment account to the charging account.

In some embodiments, the in-vehicle device further comprises a third interface configured to connect to a biometric device; and the set of instructions, when executed by the at least one processor, further instruct the processor to: and acquiring the biological identification information of the user through the biological identification device connected to the third interface, and sending the biological identification information to the third-party payment platform to request the third-party payment platform to verify the request.

In some embodiments, wherein the biometric device comprises a sound pickup device; and the set of instructions, when executed by the at least one processor, instruct the processor to perform: the sound pickup device collects second sound information of the user and sends the second sound information to the third-party payment platform to request the third-party payment platform to check the second sound information.

In some embodiments, wherein the biometric device comprises a fingerprint extraction device; and the set of instructions, when executed by the at least one processor, instruct the processor to perform: the fingerprint information of the user is collected through the fingerprint extraction device, and the fingerprint information is sent to the third party payment platform to request the third party payment platform to verify the fingerprint information.

In some embodiments, wherein the biometric device comprises an endoscopic device; and the set of instructions, when executed by the at least one processor, instruct the processor to perform: the iris and/or facial feature information of the user is collected through the inward-looking device, and the iris feature and/or facial feature information is sent to the third-party payment platform to request the third-party payment platform to check the iris and/or facial feature information.

In some embodiments, wherein the set of instructions, when executed by the at least one processor, further direct the processor to perform: receiving payment due information from the charging system; establishing a near field communication connection with a target mobile electronic device located within the target vehicle; and sending a data packet to the target mobile electronic device to request the target mobile electronic device to initiate a payment process, wherein the data packet comprises charging account information and the information of the fee to be paid.

The present application also provides a vehicle-mounted terminal system for installation in a target vehicle, including: an in-vehicle apparatus including a first interface; and the first data acquisition device is connected with the vehicle-mounted device through the first interface and is configured to acquire payment identification data on a payment identification, wherein the vehicle-mounted device receives the payment identification data during operation, analyzes and verifies the payment identification data, and if the payment identification data passes the verification, the vehicle-mounted device sends an instruction signal to a charging system according to the payment identification data and the identity of the target vehicle, and the instruction signal instructs the charging system to calculate the due payment and activate a payment process according to the due payment.

In some embodiments, the in-vehicle terminal system further comprises a sound pickup device configured to pick up a first sound signal; and the vehicle-mounted device also comprises a second interface, the pickup device is connected with the vehicle-mounted device through the second interface, wherein the vehicle-mounted device receives the first sound signal collected by the pickup device connected to the second interface during operation and activates the first data collection device to collect the flow of the payment identification data according to the first sound signal.

In some embodiments, the activating the first data collecting device to collect the payment identification data according to the first sound signal includes: and the vehicle-mounted device determines that the first sound signal contains preset keywords and activates a process of collecting the payment identification data by the first data collection device.

In some embodiments, the payment identification data includes a target link pointing to the charging system; the vehicle-mounted device sends an instruction signal to a charging system according to the payment identification data and the identity of the target vehicle, and the instruction signal comprises the following steps: the vehicle-mounted device acquires the target link; and the vehicle-mounted device uploads the identity to the charging system through the target link.

In some embodiments, the in-vehicle terminal system further comprises a biometric device configured to collect biometric information of the payer; and the vehicle-mounted device also comprises a third interface, the biological identification device is connected with the vehicle-mounted device through the third interface, wherein the vehicle-mounted device collects the biological identification information of the user through the biological identification device connected to the third interface during running and sends the biological identification information to the third party payment platform so as to request the third party payment platform to verify the request.

In some embodiments, wherein the biometric device comprises a sound pickup device; and when the vehicle-mounted terminal device runs, the sound pickup device collects second sound information of the user and sends the second sound information to the third-party payment platform to request the third-party payment platform to check the second sound information.

In some embodiments, wherein the biometric device comprises a fingerprint extraction device; and when the vehicle-mounted device runs, the fingerprint information of the user is collected through the fingerprint extraction device, and the fingerprint information is sent to the third party payment platform to request the third party payment platform to verify the fingerprint information.

In some embodiments, wherein the biometric device comprises an endoscopic device; and when the vehicle-mounted device runs, the iris and/or facial feature information of the user is collected through the inward-looking device, and the iris feature and/or facial feature information is sent to the third-party payment platform to request the third-party payment platform to check the iris and/or facial feature information.

In some embodiments, wherein the in-vehicle apparatus is further operable to: receiving payment due information from the charging system; establishing a near field communication connection with a target mobile electronic device located within the target vehicle; and sending a data packet to the target mobile electronic device to request the target mobile electronic device to initiate a payment process, wherein the data packet comprises charging account information and the information of the fee to be paid.

The application provides an in-vehicle device, an in-vehicle terminal system, a payment method, and a non-transitory computer-readable storage medium: the parking payment two-dimensional code is automatically identified by relying on the first data acquisition device arranged on the vehicle-mounted terminal system in the vehicle, so that the user is prevented from scanning by a mobile phone, and the parking payment two-dimensional code is safe, time-saving and convenient.

The application provides an in-vehicle device, an in-vehicle terminal system, a payment method, and a non-transitory computer-readable storage medium: in the payment verification stage, the voiceprint characteristics of the user are utilized to carry out payment verification to complete parking fee payment, so that manual time-consuming operation is avoided, and the payment portability is improved while the payment safety is ensured.

The application provides an in-vehicle device, an in-vehicle terminal system, a payment method, and a non-transitory computer-readable storage medium: after the payment is bound in advance, the whole payment process is automatic, the participation of a mobile phone is not needed, the manual time-consuming operation is avoided, and the payment portability is improved while the payment safety is ensured.

Drawings

In order to more clearly illustrate the technical solutions in the embodiments of the present disclosure, the drawings needed to be used in the description of the embodiments will be briefly introduced below, and it is obvious that the drawings in the following description are only some embodiments of the present disclosure, and it is obvious for those skilled in the art to obtain other drawings based on these drawings without creative efforts.

FIG. 1 is a schematic structural diagram illustrating an in-vehicle terminal system provided in an embodiment of the present application;

FIG. 2 is a schematic diagram illustrating a hardware structure of an in-vehicle device according to an embodiment of the present disclosure;

FIG. 3 illustrates a flow chart of a payment method provided in accordance with an embodiment of the present application; and

fig. 4 illustrates a binding flow diagram provided according to an embodiment of the present application.

Detailed Description

The following description is presented to enable any person skilled in the art to make and use the present disclosure, and is provided in the context of a particular application and its requirements. Various modifications to the disclosed embodiments will be readily apparent to those skilled in the art, and the general principles defined herein may be applied to other embodiments and applications without departing from the spirit and scope of the present application. Thus, the present application is not limited to the embodiments shown, but is to be accorded the widest scope consistent with the claims.

The terminology used herein is for the purpose of describing particular example embodiments only and is not intended to be limiting.

These and other features of the present application, as well as the operation and function of the related elements of structure and the combination of parts and economies of manufacture, may be significantly improved upon consideration of the following description. All of which form a part of this application, with reference to the accompanying drawings. It is to be expressly understood, however, that the drawings are for the purpose of illustration and description only and are not intended as a definition of the limits of the application.

These and other features of the present application, as well as the operation and function of the related elements of the structure, and the economic efficiency of assembly and manufacture, are significantly improved by the following description. All of which form a part of this application with reference to the accompanying drawings. It is to be expressly understood, however, that the drawings are for the purpose of illustration and description only and are not intended as a definition of the limits of the application. It should also be understood that the drawings are not drawn to scale.

Fig. 1 shows a block diagram of an in-vehicle terminal system 001 according to an embodiment of the present application. Specifically, the in-vehicle terminal system 001 may include the first data collection device 100 and the in-vehicle device 200. In some embodiments, the in-vehicle terminal system 001 may further include a sound pickup apparatus 300, a speaker 400, and/or a biometric apparatus 500.

The vehicle-mounted device 200 is in communication connection with the first data acquisition device 100. The in-vehicle device 200 may include a first interface. The first data acquisition device 100 may be connected to the in-vehicle device 200 through the first interface. The vehicle-mounted device 200 receives the payment identification data during operation, analyzes and verifies the payment identification data, and if the payment identification data passes the verification, the vehicle-mounted device 200 sends an instruction signal to a charging system according to the payment identification data and the identity of the target vehicle. The instruction signal instructs a charging system to calculate the fee to be paid of the target vehicle and activates a payment process according to the fee. The charging system may be any charging system suitable for payment by a vehicle. For example, the charging system may be a parking management system of a parking lot; accordingly, the due fee may be a parking fee. As another example, the toll collection system may be a toll collection system of a highway toll station; accordingly, the fee to be paid may be a road toll. As another example, the charging system may be a charging system of a car wash station; accordingly, the fee to be paid may be a car wash fee. The following description will describe the technical solution of the present disclosure by taking a parking charging system of a parking lot as an example, however, it will be understood by those skilled in the art that the technical solution is suitable for any charging system supporting payment through a vehicle-mounted terminal system.

Fig. 2 shows a hardware structure diagram of an in-vehicle device 200 provided according to an embodiment of the present application.

The in-vehicle device 200 includes at least one memory 230 and at least one processor 220. In some embodiments, the in-vehicle device 200 may also include a communication port 250 and an internal communication bus 210. Meanwhile, the in-vehicle device 200 may further include an interface component 260.

Internal communication bus 210 may connect various system components including memory 230 and processor 220.

The interface component 260 supports input/output between the in-vehicle device 200 and other components. The interface component 260 may include a first interface. In some embodiments, the interface component 260 may also include a second interface and/or a third interface.

The first data acquisition device may be connected to the vehicle-mounted device 200 through the first interface, and further transmit the acquired payment identification data to the vehicle-mounted device 200 or receive an instruction signal from the vehicle-mounted device 200.

The sound pickup device may be connected to the in-vehicle device 200 through the second interface, and further transmit the collected sound information to the in-vehicle device 200 or receive an instruction signal from the in-vehicle device 200.

The biometric device may be connected to the in-vehicle device 200 through a third interface, and further transmit the acquired biometric information to the in-vehicle device 200 or receive an instruction signal from the in-vehicle device 200.

The speaker may also be connected to the in-vehicle terminal apparatus through other interfaces in the interface module.

Memory 230 may include a data storage device. The data storage device may be a non-transitory storage medium or a transitory storage medium. For example, the data storage devices may include one or more of a disk 232, Read Only Memory (ROM)234, or Random Access Memory (RAM) 236. The memory 230 also includes at least one instruction set stored in the data storage device. The set of instructions is computer program code that may include programs, routines, objects, components, data structures, procedures, modules, etc. that perform the methods illustrated in the present application.

The communication port 250 is used for data communication between the in-vehicle device 200 and the outside.

The at least one processor 220 communicates with the at least one memory 230 via an internal communication bus 210. The at least one processor 220 is configured to execute the at least one instruction set, and when the at least one processor 220 executes the at least one instruction set, the in-vehicle device 200 implements the payment method illustrated in the present application. Processor 220 may perform some or all of the steps included in the methods illustrated herein. Processor 220 may be in the form of one or more processors, and in some embodiments, processor 220 may include one or more hardware processors, such as microcontrollers, microprocessors, Reduced Instruction Set Computers (RISC), Application Specific Integrated Circuits (ASICs), application specific instruction set processors (ASIPs), Central Processing Units (CPUs), Graphics Processing Units (GPUs), Physical Processing Units (PPUs), microcontroller units, Digital Signal Processors (DSPs), Field Programmable Gate Arrays (FPGAs), Advanced RISC Machines (ARM), Programmable Logic Devices (PLDs), any circuit or processor capable of executing one or more functions, or the like, or any combination thereof. For illustrative purposes only, only one processor 220 is depicted in the in-vehicle device 200 in the present application. It should be noted, however, that the in-vehicle device 200 may also include multiple processors, and thus, the operations and/or method steps disclosed herein may be performed by one processor, as described herein, or by a combination of multiple processors. For example, if in the present application the processor 220 of the in-vehicle device 200 executes steps a and B, it should be understood that steps a and B may also be executed by two different processors 220 in combination or separately (e.g., a first processor executes step a, a second processor executes step B, or both a first and second processor execute steps a and B).

As an example, the in-vehicle device may be a control unit in a vehicle. The control unit may be a separate control unit. For example, the vehicle-mounted device may be an independent single-chip microcomputer or a single-chip microcomputer. The control unit may also be integrated as part of the control unit of other hardware in the vehicle to save retrofitting costs. For example, the on-board device may be part of a control unit mounted on a drive recorder in the vehicle. For another example, the in-vehicle device may be part of a vehicle control unit installed in a vehicle.

The first data collection device 100 can be connected with the on-board device through an interface on the on-board device 200. The first data collection device 100 may automatically collect payment identification data and transmit the payment identification data to the in-vehicle device when the vehicle enters an area covered with the payment identification data. In the process, the first data acquisition device 100 automatically acquires the payment identification data without action participation of personnel (such as a driver) in the vehicle, so that time is saved on one hand, and driving safety can be guaranteed on the other hand. The payment identification data can be used for prompting/guiding personnel in the vehicle to pay the due payment by using the payment method. Taking a parking charging scene as an example, the payment identification data can be a two-dimensional code arranged in a parking lot, and the two-dimensional code can prompt/guide a driver to pay parking fee by using the payment method. The paving location of the payment identification data can be varied. Taking a parking charging scene as an example, the payment identifier can be laid at any place of a parking area, including but not limited to, a window of a parking lot sentry box, a gate rod of a gate, an indoor wall surface, an elevator room, a road surface, and the like.

As an example, the first data acquisition apparatus 100 may be an image acquisition apparatus. For example, the first data collecting apparatus 100 may be a camera mounted on a vehicle. As an example, the camera may be a camera on a vehicle data recorder, so that the minimum transformation of hardware in the vehicle is realized while the scanning of the payment data is realized, and the cost is reduced. Of course, the camera may also be a stand-alone camera. As an example, the first data acquisition device 100 may also be a code scanning device mounted on a vehicle, such as a code scanning gun.

The installation position of the first data acquisition device 100 on the vehicle can be related to the setting position of the payment identification data in different scenes. For example, in some embodiments, the payment identification data is set on the ground, and the first data collection device 100 may be set on a chassis of the vehicle, so that when the vehicle passes through the ground on which the payment identification is laid, the first data collection device 100 may directly collect the payment identification data on the ground. In some embodiments, the first data acquisition device may also be designed integrally with other hardware on the vehicle. For example, the first data acquisition device may be a camera on a vehicle event recorder. For another example, the first data acquisition device may also be a camera on a reverse image acquisition device.

The sound collecting device 300 is connected to the in-vehicle device 200. The sound pickup apparatus 300 may be connected to the in-vehicle apparatus through an interface on the in-vehicle apparatus 200. The sound pickup apparatus 300 may be a transducing apparatus. The sound pickup apparatus 300 may convert a sound signal into an electric signal and transmit the electric signal to the in-vehicle apparatus 200. As an example, the sound pickup apparatus 300 may be a microphone. The microphone may be a single-directional microphone or a fully directional microphone. The sound pickup apparatus 300 may pick up sound information inside or outside the target vehicle. In some embodiments, the sound pickup apparatus 300 may collect a first sound signal in the target vehicle and transmit the first sound signal to the in-vehicle apparatus 200. After receiving the first voice signal, the vehicle-mounted device 200 activates the first data acquisition device 100 to acquire the payment identification data according to the first voice signal. In some embodiments, the activating the first data collecting device to collect the payment identification data according to the first sound signal includes: and the vehicle-mounted device determines that the first sound signal contains preset keywords and activates a process of collecting the payment identification data by the first data collection device.

The speaker 400 may be a transducing device. The speaker 400 may be connected to the in-vehicle device through an interface on the in-vehicle device. In some embodiments, speaker 400 may convert electrical signals it receives into mechanical vibrations. Further, the mechanical vibration generates sound waves. The user located in the target vehicle can hear the sound. By way of example, the speaker 400 may include, but is not limited to, an air conduction speaker, a bone conduction speaker, a combination of a bone conduction speaker and an air conduction speaker. By way of example, the speaker 400 may include, but is not limited to, a moving coil speaker, a capacitive speaker, an electromagnetic speaker, a piezoelectric speaker, and the like.

The biometric device 500 may be connected to the in-vehicle device 200 through an interface. The biometric device 500 may identify a biometric characteristic of the user. The in-vehicle device may verify the payment process based on the biometric characteristic of the user collected by the biometric identification device. For example, the user may have a payment account provisioned in advance on the third party payment platform and have payment verification information pre-stored. The vehicle-mounted device can acquire the biological characteristics of the payer through the biological identification device and send the biological characteristics to a third party payment platform so as to request the third party payment platform to verify the biological characteristics. The third party payment platform can verify the payment request by judging whether the biological characteristic information is matched with preset payment verification information.

In some embodiments, the biometric device may include a sound pickup device. The pickup means may capture second sound information of the user. The vehicle-mounted device can collect second sound information of the payer through the sound pickup device and send the second sound information to the third party payment platform to check the payment request. In some embodiments, the user may have a payment account provisioned in advance on the third party payment platform and have payment verification information pre-stored.

As an example, the payment verification information may be preset voiceprint information. The vehicle-mounted device can collect second sound information of the payer through the sound pickup device, and the second sound information is sent to the third party payment platform to request the third party payment platform to check the second sound information. The third party payment platform can verify the payment request by judging whether the second sound information is matched with the preset voiceprint information.

As an example, the payment verification information may be a preset payment password. The vehicle-mounted device can collect second sound information of the payer through the sound pickup device, and the second sound information is sent to the third party payment platform to request the third party payment platform to check the second sound information. The third party payment platform can verify the payment request by judging whether the second sound information contains the preset payment password. The payment code may include, but is not limited to, numbers, words, and the like.

In some embodiments, the biometric device may comprise a fingerprint extraction device. The fingerprint extraction device can collect fingerprint characteristics of a user. In some embodiments, the fingerprint extraction device may be mounted on the steering wheel of an automobile for ease of operation by the user. The user can set up a payment account on the third-party payment platform in advance and prestore payment verification information. As an example, the payment verification information may be preset fingerprint information. The vehicle-mounted device can collect the fingerprint characteristics of the payer through the fingerprint collecting device and send the fingerprint characteristics to the third party payment platform so as to verify the payment request. The third party payment platform can verify the payment request by judging whether the fingerprint characteristics are matched with preset fingerprint information.

In some embodiments, the biometric device may comprise an endoscopic device. The endoscopic device may be mounted within a target vehicle. The inward looking device may be a device for collecting information in a vehicle. By way of example, the viewing device may include, but is not limited to, an image capture device mounted within the vehicle interior. The interior viewing device is oriented within the vehicle and is configured to capture image information within the vehicle. The user can set up a payment account on the third-party payment platform in advance and prestore payment verification information. As an example, the payment verification information may be iris features and/or facial features. The vehicle-mounted device can acquire the iris characteristics and/or the facial characteristics of the payer through the inward-looking device and send the iris characteristics and/or the facial characteristics to a third-party payment platform to check the payment request. The third party payment platform may verify the payment request by determining whether the iris features and/or facial features match preset iris features and/or facial features.

As an example, fig. 3 shows a flowchart S200 of a payment method provided according to an embodiment of the present application.

S210, collecting a first sound signal by a sound collecting device, and sending the first sound signal to a vehicle-mounted device.

And S230, activating the flow of collecting payment identification data by the first data collecting device by the vehicle-mounted device based on the first sound signal collected by the sound pickup device.

The first sound signal can be used for waking up a parking payment process. For example, before leaving the parking lot, the user may wake up the vehicle-mounted terminal system by voice to start the payment process. The user utters a first sound, which may be, for example, a "XXX, please begin payment" voice. After the microphone in the vehicle collects the first sound signal, whether a voice stream of the first sound signal contains a predefined activation word or keyword is confirmed through keyword detection. By way of example, the predefined activation words or keywords may include "payment".

And S250, when the target vehicle enters a target area covered with a payment identifier, the vehicle-mounted device collects payment identifier data through a first data collection device connected to the first interface.

The payment identifier can be an indicator for prompting or guiding the user to pay the parking fee. For example, the payment identifier may include, but is not limited to, a two-dimensional code or a bar code posted in a parking area such as a parking lot kiosk window, a gate bar, an indoor wall surface, and an elevator car.

When the parking payment process is awakened, a first data acquisition device (for example, a camera on a vehicle data recorder) in the vehicle-mounted terminal system starts a scanning function. When a payment identifier is encountered, the first data acquisition device scans the payment identifier and acquires data/information contained in the payment identifier.

And S270, the vehicle-mounted device analyzes and verifies the payment identification data.

S290, if the payment identification data passes the verification, the vehicle-mounted device sends an instruction signal to a charging system based on the payment identification data.

In some embodiments, the payment identifier (such as two-dimensional code/bar code) includes rich data/information — that is, payment identifier data. The information/data may include, but is not limited to, web site information, business card information, text information, specific codes, and the like. The first data acquisition device (such as a camera of a vehicle data recorder) scans the payment identifier (such as a two-dimensional code), then the data acquisition device analyzes the two-dimensional code, image information of the two-dimensional code is converted into text information, and if the text information is website information, the vehicle-mounted device can access the website. Before the access, the vehicle-mounted device checks the text information, for example, whether the link address carried in the two-dimensional code is legal, belongs to an intranet link or an extranet link, whether a merchant contained in the link exists, whether the merchant state is normal, and the like. In some embodiments, the payment identification data (such as a two-dimensional code) includes a target link to the parking management system.

In some embodiments, the identification information of the target vehicle is also stored in the in-vehicle device of the in-vehicle terminal system installed in the target vehicle. By way of example, the identification information may include, but is not limited to, license plate information, frame information, and the like of the target vehicle. When the target vehicle enters the parking lot, the parking management system identifies and identifies the target vehicle by the identification information, and records the entry time of the vehicle identification. When the target vehicle leaves the parking lot, the parking management system records the leaving time of the identification information, and calculates the parking time according to the previously recorded entering time so as to calculate the parking fee.

In some embodiments, the in-vehicle device of the in-vehicle terminal system installed in the target vehicle further stores payment account information bound with the identity.

In some embodiments, the identification information (such as license plate/frame information) and/or the payment account information may be manually set in the in-vehicle terminal system by the user in advance.

In some embodiments, the user may bind the identification information (such as license plate/frame information) and/or the payment account information to the in-vehicle terminal system via a network.

As an example, fig. 4 shows a binding flow chart provided according to an embodiment of the present application.

Referring to fig. 4, a user may have an account opened in a third party payment platform. The program of the third party payment platform can be pre-installed in the vehicle-mounted device of the vehicle-mounted terminal system, and the user logs in the account of the vehicle-mounted terminal system through the pre-installed third party payment platform. The program may load a login two-dimensional code that allows another device to login to the account within a preset time. The mobile phone of the user is also pre-loaded with a program of the third-party payment platform, and the user can scan the login two-dimensional code through the mobile phone to login the account at the mobile phone end. After logging in the account, the user can bind the identification information (such as license plate information/frame information) of the vehicle to the account through a mobile phone. In addition, the user can set payment account information for paying the parking fee through the mobile phone terminal. For example, the user can set his XXX bank credit card bound to the third party payment platform as a payment account through a mobile phone. After the user confirms the vehicle information and the payment account information through the mobile phone terminal, the server of the third-party payment platform synchronizes the vehicle information and the payment account information to a vehicle-mounted terminal system installed in the vehicle. Therefore, the vehicle-mounted terminal system can acquire the vehicle information and the payment account information, when the subsequent parking fee payment is carried out, the vehicle-mounted terminal information can be directly communicated with the parking management system, the fee payment can be finished without the participation of a mobile phone end, the two hands are liberated, and the driving safety is ensured. Of course, the user can also unbind the payment information and the vehicle information through the mobile phone.

The vehicle-mounted device sends an instruction signal to a parking management system according to the payment identification data and the identification of the target vehicle, and the instruction signal comprises the following steps: the vehicle-mounted device acquires the target link; and the vehicle-mounted device uploads the identification to the parking management system through the target link. In some embodiments, the instruction signal further comprises payment account information bound to the identity.

S310, the charging system calculates the fee to be paid according to the identity.

S330, the charging system generates an order according to the information of the receivable payment, the information of the payment account and the information of the charging account, sends the order to a third party payment platform, and requests the third party payment platform to transfer the receivable payment from the payment account to the charging account.

According to the description, the vehicle-mounted terminal system sends the license plate information/vehicle frame information and the payment account information to the parking management system through the website in the payment two-dimensional code, the parking management system calculates parking fee according to the license plate information/vehicle frame information after obtaining the license plate information/vehicle frame information, then the parking management system generates an order according to the fee information, the payment account information and the payment account information, and sends the order to the third party payment platform through the network.

And S350, the vehicle-mounted device receives the page data packet from the third-party payment platform.

And S370, generating prompt information by the vehicle-mounted device according to the page data packet, wherein the prompt information prompts a user to input payment verification information.

And after the third-party payment platform receives the order from the parking management system, the order is verified, and after the verification is passed, a server of the third-party payment platform sends a page data packet to the vehicle-mounted terminal system to request the user to input payment verification information. By way of example, the form of the payment verification information may include, but is not limited to, payment password verification, gesture password verification, biometric authentication, and the like. By way of example, the biometric authentication may include, but is not limited to, face recognition, fingerprint recognition, voice print recognition, and the like.

And S390, the vehicle-mounted device collects the biological identification information of the user through a biological identification device, and sends the biological identification information to the third party payment platform to request the third party payment platform to verify the request.

In some embodiments, the biometric device may include a sound pickup device. The vehicle-mounted device can collect second sound information of the user through the sound pickup device, and the second sound information is sent to the third-party payment platform to request the third-party payment platform to check the second sound information.

In some embodiments, the biometric device may comprise a fingerprint extraction device. The vehicle-mounted device can acquire the fingerprint characteristics of the user through the fingerprint extraction device and send the fingerprint characteristics to the third party payment platform to request the third party payment platform to verify the fingerprint characteristics.

In some embodiments, the biometric device may comprise an endoscopic device. The vehicle-mounted device can acquire the iris features and/or the facial features of the user through the inward-looking device and send the iris features and/or the facial features to the third-party payment platform to request the third-party payment platform to check the iris features and/or the facial features.

Taking the sound pickup device as an example, the payment verification information may be in the form of voice. The payment verification information may be authenticated using voiceprint recognition. For example, after receiving the page data packet from the third-party payment platform, the in-vehicle terminal system may generate a payment verification page according to the page data packet. The payment verification page may include the amount of parking fee to be paid and identification information (such as license plate information) of the vehicle. In some embodiments, the vehicle-mounted terminal system can also broadcast the expense information and the vehicle identification information in a voice form through a loudspeaker. Of course, the vehicle-mounted terminal system can also directly broadcast the expense information and/or the vehicle identification information in a voice mode through a loudspeaker without loading a payment verification page.

S410, the third party payment platform determines that the biological characteristic information is matched with preset payment verification information, and transfers the due fee from the payment account to the charging account.

Taking voiceprint recognition as an example, the user sends out second sound information. The second sound information may be used as verification information for the payment. And the sound pickup device collects the second sound information and verifies the second sound information and the payment verification information preset by the user through voiceprint recognition. If the second sound information is matched with the preset payment verification information, namely the password is confirmed to be correct, the third party payment platform executes financial transfer operation, namely the parking fee is transferred from the payment account to the charging account. And then, the third party payment platform can send a message of successful payment to the parking management system, the vehicle-mounted terminal system and/or the mobile phone of the user. And the parking management system changes the payment state corresponding to the vehicle identification after receiving the message so as to allow the vehicle to leave the field. The vehicle-mounted terminal system can also broadcast the successful payment message to the user in the vehicle in a voice broadcast mode.

Thus, the payment process of the parking fee is completed. According to the vehicle-mounted terminal system and the payment method, in the parking lot scene where the two-dimension code is mainly scanned and paid, the vehicle-mounted terminal system can actively scan and identify the charging two-dimension code in the parking lot and automatically fill the vehicle related information prestored in the system, so that the payment of the parking fee is completed. The whole payment process does not need manual intervention except the biometric identity verification, reduces the danger brought by using a mobile phone during driving, and simultaneously can reduce the waiting time brought by the payment of parking cost and avoid vehicle congestion in a parking lot. Meanwhile, the vehicle-mounted device, the vehicle-mounted terminal system and the payment method avoid equipment transformation of a business user side (namely a parking lot side), utilize the existing automobile data recorder of the vehicle to scan the parking two-dimensional code at the vehicle side, reduce the equipment transformation to the maximum extent, reduce the equipment popularization cost and can be directly used in most existing parking lots.

In some embodiments, after receiving the instruction signal, the parking management system calculates parking cost information of the target vehicle according to the identity and sends the parking cost information to the vehicle-mounted device. And the vehicle-mounted terminal receives the information of the due fee from the parking management system. After receiving the parking fee information, the in-vehicle apparatus may establish a near field communication connection with a target mobile electronic device located within the target vehicle. For example, the vehicle-mounted terminal system may establish a bluetooth connection or an NFC connection with a mobile phone of a user. After that, the vehicle-mounted device may send a data packet to the target mobile electronic device to request the target mobile electronic device to initiate a payment process, where the data packet includes charging account information and the parking fee information. For example, the vehicle-mounted device sends a data packet containing parking fees and a charging account to the mobile phone of the user in a Bluetooth mode or an NFC mode. After receiving the parking fee information and the charging account information, the mobile phone of the user can jump to a payment page, and then the user can request a server of a third-party payment platform to perform financial transfer by generating a payment order through the mobile phone.

Another aspect of the specification provides a computer-readable storage medium. The storage medium has stored therein at least one set of computer instructions. When executed by a processor, the instructions direct the processor to implement the steps of the payment method described herein. In some possible implementations, various aspects of the description may also be implemented in the form of a program product including program code. The program code is adapted to cause a signal processing device to perform the steps of the payment method described in this specification when the program product is run on the signal processing device. A program product for implementing the above method may employ a portable compact disc read only memory (CD-ROM) including program code and may be run on a signal processing device. However, the program product of the present specification is not so limited, and in this specification, a readable storage medium may be any tangible medium that can contain, or store a program for use by or in connection with an instruction execution system (e.g., the processor 202). The program product may employ any combination of one or more readable media. The readable medium may be a readable signal medium or a readable storage medium. A readable storage medium may be, for example, but not limited to, an electronic, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or any combination of the foregoing. More specific examples of the readable storage medium include: an electrical connection having one or more wires, a portable disk, a hard disk, a Random Access Memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disc read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing. The computer readable storage medium may include a propagated data signal with readable program code embodied therein, for example, in baseband or as part of a carrier wave. Such a propagated data signal may take many forms, including, but not limited to, electro-magnetic, optical, or any suitable combination thereof. A readable storage medium may also be any readable medium that is not a readable storage medium and that can communicate, propagate, or transport a program for use by or in connection with an instruction execution system, apparatus, or device. Program code embodied on a readable storage medium may be transmitted using any appropriate medium, including but not limited to wireless, wireline, optical fiber cable, RF, etc., or any suitable combination of the foregoing. Program code for carrying out operations for this specification may be written in any combination of one or more programming languages, including an object oriented programming language such as Java, C + + or the like and conventional procedural programming languages, such as the "C" programming language or similar programming languages. The program code may execute entirely on the signal processing device, partly on the in-vehicle apparatus 200, as a stand-alone software package, partly on the signal processing device and partly on a remote computing device, or entirely on the remote computing device.

In summary, the present application provides an in-vehicle apparatus, an in-vehicle terminal system, a payment method, and a computer-readable storage medium.

The application provides a vehicle-mounted device, a vehicle-mounted terminal system, a payment method and a computer-readable storage medium: the parking payment two-dimensional code is automatically identified by relying on the first data acquisition device arranged on the vehicle-mounted terminal system in the vehicle, so that the user is prevented from scanning by a mobile phone, and the parking payment two-dimensional code is safe, time-saving and convenient.

The application provides a vehicle-mounted device, a vehicle-mounted terminal system, a payment method and a computer-readable storage medium: in the payment verification stage, the voiceprint characteristics of the user are utilized to carry out payment verification to complete parking fee payment, so that manual time-consuming operation is avoided, and the payment portability is improved while the payment safety is ensured.

The application provides a vehicle-mounted device, a vehicle-mounted terminal system, a payment method and a computer-readable storage medium: after the payment is bound in advance, the whole payment process is automatic, the participation of a mobile phone is not needed, the manual time-consuming operation is avoided, and the payment portability is improved while the payment safety is ensured.

In conclusion, upon reading the present detailed disclosure, those skilled in the art will appreciate that the foregoing detailed disclosure can be presented by way of example only, and not limitation. Those skilled in the art will appreciate that the present application is intended to cover various reasonable variations, adaptations, and modifications of the embodiments described herein, although not explicitly described herein. Such alterations, improvements, and modifications are intended to be suggested by this application and are within the spirit and scope of the exemplary embodiments of the application.

Furthermore, certain terminology has been used in this application to describe embodiments of the application. For example, "one embodiment," "an embodiment," and/or "some embodiments" means that a particular feature, structure, or characteristic described in connection with the embodiment can be included in at least one embodiment of the application. Therefore, it is emphasized and should be appreciated that two or more references to "an embodiment" or "one embodiment" or "an alternative embodiment" in various portions of this specification are not necessarily all referring to the same embodiment. Furthermore, the particular features, structures, or characteristics may be combined as suitable in one or more embodiments of the application.

It should be appreciated that in the foregoing description of embodiments of the present application, various features are sometimes grouped together in a single embodiment, figure, or description thereof for the purpose of streamlining the disclosure aiding in the understanding of such feature. Alternatively, various features may be dispersed throughout several embodiments of the application. This is not to be taken as an admission that any of the features of the claims are essential, and it is fully possible for a person skilled in the art to extract some of them as separate embodiments when reading the present application. That is, embodiments in the present application may also be understood as an integration of multiple sub-embodiments. And each sub-embodiment described herein is equally applicable to less than all features of a single foregoing disclosed embodiment.

In some embodiments, numbers expressing quantities or properties useful for describing and claiming certain embodiments of the present application are to be understood as being modified in certain instances by the terms "about", "approximately" or "substantially". For example, "about", "approximately" or "substantially" may mean a ± 20% variation of the value it describes, unless otherwise specified. Accordingly, in some embodiments, the numerical parameters set forth in the written description and attached claims are approximations that may vary depending upon the desired properties sought to be obtained by a particular embodiment. In some embodiments, numerical parameters should be construed in light of the number of reported significant digits and by applying ordinary rounding techniques. Notwithstanding that the numerical ranges and parameters setting forth the broad scope of the embodiments of the application are approximations, the numerical values set forth in the specific examples are reported as precisely as possible.

Each patent, patent application, publication of a patent application, and other material, such as articles, books, descriptions, publications, documents, articles, and the like, cited herein is hereby incorporated by reference. All matters hithertofore set forth herein except as related to any prosecution history, may be inconsistent or conflicting with this document or any prosecution history which may have a limiting effect on the broadest scope of the claims. Now or later associated with this document. For example, if there is any inconsistency or conflict in the description, definition, and/or use of terms associated with any of the included materials with respect to the terms, descriptions, definitions, and/or uses associated with this document, the terms in this document are used.

Finally, it should be understood that the embodiments of the application disclosed herein are illustrative of the principles of the embodiments of the present application. Other modified embodiments are also within the scope of the present application. Accordingly, the disclosed embodiments are presented by way of example only, and not limitation. Those skilled in the art may implement the present application in alternative configurations according to the embodiments of the present application. Thus, embodiments of the present application are not limited to those embodiments described with precision in the application.

Claims

1. A payment method for an in-vehicle device fixedly installed within a target vehicle, the in-vehicle device including a first interface, the payment method comprising:

when a target vehicle enters a target area covered with a payment identifier, collecting payment identifier data through a first data collection device connected to the first interface;

analyzing and checking the payment identification data; and

and if the payment identification data passes the verification, sending an instruction signal to a charging system based on the payment identification data, wherein the instruction signal comprises the identity of the target vehicle, and the instruction signal instructs the charging system to calculate the payment due and activate a payment process.

2. The payment method of claim 1, wherein the first data collection device comprises a camera on a tachograph.

3. The payment method according to claim 1, wherein the vehicle-mounted device further comprises a second interface, the second interface is operatively connected to a sound pickup device, and the collecting of the payment identification data by the first data collecting device connected to the first interface comprises:

and activating the first data acquisition device to acquire the flow of the payment identification data based on the first sound information acquired by the pickup device.

4. The payment method according to claim 3, wherein the activating the first data collection device to collect the payment identification data based on the first sound information collected by the sound pickup device comprises:

acquiring the first sound information collected by the pickup device; and

and identifying preset keywords contained in the first sound information, and activating the first data acquisition device to acquire the payment identification data.

5. A payment method as claimed in claim 1, wherein the payment identification data includes a target link to the charging system; and

the sending of the instruction signal to the charging system according to the payment identification data and the identification of the target vehicle comprises:

obtaining the target link, an

And uploading the identity to the charging system through the target link.

6. A payment method as claimed in claim 1, wherein the instruction signal further comprises payment account information bound to the identity; and

the charging system executes, after receiving the instruction signal:

calculating the fee due according to the identity, an

Generating order data according to the information of the due payment, the payment account information and the charging account information, and sending the order data to a third party payment platform to request the third party payment platform to transfer the due payment from the payment account to the charging account.

7. The payment method of claim 6, wherein the in-vehicle device further comprises a third interface configured to connect to a biometric device; and

the payment method further comprises the following steps:

collecting biometric information of a user by the biometric device, and

and sending the biological identification information to the third party payment platform to request the third party payment platform to verify the request.

8. The payment method of claim 7, wherein the biometric device comprises a sound pick-up device; and

the payment method further comprises the following steps:

the sound pickup device collects second sound information of the user and sends the second sound information to the third-party payment platform to request the third-party payment platform to check the second sound information.

9. A payment method as defined in claim 7, wherein the biometric device comprises a fingerprint extraction device; and

the payment method further comprises the following steps:

the fingerprint information of the user is collected through the fingerprint extraction device, and the fingerprint information is sent to the third party payment platform to request the third party payment platform to verify the fingerprint information.

10. The payment method of claim 7, wherein the biometric device comprises an endoscopic device; and

the payment method further comprises the following steps:

the iris and/or facial feature information of the user is collected through the inward-looking device, and the iris feature and/or facial feature information is sent to the third-party payment platform to request the third-party payment platform to check the iris and/or facial feature information.

11. The payment method of claim 1, further comprising:

receiving payment due information from the charging system;

establishing a near field communication connection with a target mobile electronic device located within the target vehicle; and

and sending a data packet to the target mobile electronic device to request the target mobile electronic device to initiate a payment process, wherein the data packet comprises charging account information and the information of the fee to be paid.

12. A non-transitory computer readable storage medium having stored thereon at least one set of instructions, which when executed by at least one processor, instruct the processor to perform the steps of the payment method of any one of claims 1-11.

13. An in-vehicle apparatus fixedly mounted in a target vehicle, comprising:

a first interface configured to connect to a first data acquisition device;

at least one memory storing at least one set of instructions for paying a fee for the target vehicle; and

at least one processor, communicatively coupled to the at least one memory, that, when executed, reads the at least one instruction set and performs, as indicated by the at least one instruction set:

when the target vehicle enters a target area covered with a payment identifier, the payment identifier data is collected through the first data collection device connected to the first interface,

analyzing and verifying the payment identification data, an

14. The in-vehicle apparatus of claim 13, wherein the first data acquisition device comprises a camera on a tachograph.

15. The in-vehicle apparatus of claim 13, further comprising a second interface configured to connect to a sound pickup apparatus; and

the set of instructions, when executed by the at least one processor, further direct the processor to:

and activating the flow of collecting the payment identification data by the first data collecting device based on the first sound information collected by the pickup device connected to the second interface.

16. The vehicle-mounted device of claim 15, wherein the activating the first data collecting device to collect the payment identification data based on the first sound information collected by the sound collecting device comprises:

collecting the first sound information through the sound pickup device; and

17. The vehicle-mounted device according to claim 13, wherein the payment identification data includes a target link to the charging system; and

obtaining the target link, an

And uploading the identity to the charging system through the target link.

18. The in-vehicle device of claim 13, wherein the instruction signal further includes payment account information bound to the identification; and

the charging system executes, after receiving the instruction signal:

calculating the fee due according to the identity, an

19. The in-vehicle device of claim 18, further comprising a third interface configured to connect to a biometric device; and

collecting biometric information of a user through the biometric device connected to the third interface, and

20. The vehicle-mounted apparatus according to claim 19, wherein the biometrics authentication device includes a sound pickup device; and

the set of instructions, when executed by the at least one processor, direct the processor to perform:

21. The vehicle-mounted device according to claim 19, wherein the biometric device includes a fingerprint extraction device; and

22. The vehicle-mounted device according to claim 19, wherein the biometric device includes an inward viewing device; and

23. The in-vehicle apparatus of claim 13, wherein the set of instructions, when executed by the at least one processor, further direct the processor to:

receiving payment due information from the charging system;

24. An in-vehicle terminal system for installation in a target vehicle, comprising:

an in-vehicle apparatus including a first interface; and

the first data acquisition device is connected with the vehicle-mounted device through the first interface and is configured to acquire payment identification data on a payment identification,

the vehicle-mounted device receives the payment identification data during operation, analyzes and verifies the payment identification data, and if the payment identification data passes the verification, the vehicle-mounted device sends an instruction signal to a charging system according to the payment identification data and the identity of the target vehicle, wherein the instruction signal instructs the charging system to calculate the payment due and activate a payment process according to the payment due.

25. The vehicle terminal system of claim 24, wherein the first data collection device comprises a camera on a tachograph.

26. The in-vehicle terminal system of claim 24, further comprising a sound pickup device configured to pick up a first sound signal; and

the vehicle-mounted device also comprises a second interface, the sound pickup device is connected with the vehicle-mounted device through the second interface,

and the vehicle-mounted device receives the first sound signal collected by the pickup device connected to the second interface during operation and activates the first data collection device to collect the payment identification data according to the first sound signal.

27. The vehicle terminal system of claim 26, wherein the activating the first data collection device to collect the payment identification data according to the first voice signal comprises:

and the vehicle-mounted device determines that the first sound signal contains preset keywords and activates a process of collecting the payment identification data by the first data collection device.

28. The vehicle-mounted terminal system of claim 24, wherein the payment identification data includes a target link pointing to the charging system; the vehicle-mounted device sends an instruction signal to a charging system according to the payment identification data and the identity of the target vehicle, and the instruction signal comprises the following steps:

the in-vehicle apparatus acquires the target link, an

And the vehicle-mounted device uploads the identity identification to the charging system through the target link.

29. The in-vehicle terminal system of claim 24, wherein the instruction signal further includes payment account information bound to the identity; and

the charging system executes, after receiving the instruction signal:

calculating the fee due according to the identity, an

30. The in-vehicle terminal system of claim 29, further comprising a biometric device configured to collect biometric information of a payer; and

the vehicle-mounted device also comprises a third interface, the biological recognition device is connected with the vehicle-mounted device through the third interface,

when the vehicle-mounted device runs, the biological identification device connected to the third interface is used for collecting biological identification information of a user and sending the biological identification information to the third-party payment platform so as to request the third-party payment platform to verify the request.

31. The in-vehicle terminal system according to claim 30, wherein the biometrics authentication system includes sound pickup means; and

and when the vehicle-mounted device runs, the sound pickup device collects second sound information of the user and sends the second sound information to the third-party payment platform to request the third-party payment platform to check the second sound information.

32. The in-vehicle terminal system according to claim 30, wherein the biometrics authentication system includes fingerprint extraction means; and

the vehicle-mounted device collects the fingerprint information of the user through the fingerprint extraction device during operation and sends the fingerprint information to the third party payment platform to request the third party payment platform to verify the fingerprint information.

33. The in-vehicle terminal system according to claim 30, wherein the biometric device includes an inward looking device; and

when the vehicle-mounted device runs, the iris and/or facial feature information of the user is collected through the inward-looking device, and the iris feature and/or facial feature information is sent to the third-party payment platform to request the third-party payment platform to check the iris and/or facial feature information.

34. The in-vehicle terminal system of claim 24, wherein the in-vehicle device is further operable to:

receiving payment due information from the charging system;