CN113643021A - Method, device and system for automatically adjusting upper limit of payable amount - Google Patents
Method, device and system for automatically adjusting upper limit of payable amount Download PDFInfo
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- CN113643021A CN113643021A CN202110945629.3A CN202110945629A CN113643021A CN 113643021 A CN113643021 A CN 113643021A CN 202110945629 A CN202110945629 A CN 202110945629A CN 113643021 A CN113643021 A CN 113643021A
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- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/22—Payment schemes or models
- G06Q20/229—Hierarchy of users of accounts
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- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4014—Identity check for transactions
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L67/00—Network arrangements or protocols for supporting network services or applications
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Abstract
The invention provides a method, a device and a system for automatically adjusting the upper limit of the payable amount, wherein the method is applied to a system consisting of a vehicle terminal and a cloud server, the vehicle terminal is connected with a plurality of sensors, and the method comprises the following steps: the vehicle-mounted terminal responds to a payment request of a user to enter a payment process, acquires collected user data from a sensor and uploads the user data to a cloud server; the cloud server calculates the age of the user and the corresponding upper limit of the payable amount according to the user data, and returns the upper limit of the payable amount to the vehicle terminal; the vehicle-mounted terminal judges whether to continue the payment process according to the upper limit of the payable amount; when the user inputs the amount exceeding the upper limit of the payable amount, the vehicle terminal stops the payment; and when the user inputs the amount which does not exceed the upper limit of the payable amount, the vehicle-mounted terminal continues the payment process. According to the invention, when the vehicle-mounted device carries out the payment process, the user data is collected by the sensor to calculate the age of the user so as to obtain the upper limit of the payable amount, so that the payment safety is effectively improved.
Description
Technical Field
The invention relates to the technical field of vehicle-mounted networking payment, in particular to a method, a device and a system for automatically adjusting the upper limit of the payable amount.
Background
With the development of technology, the intelligent vehicle cabin plays more roles in the life of people, when in-vehicle equipment is used for payment, non-vehicle owners (such as children of the vehicle owners or old people at home) are often used for in-vehicle payment, and people in the age groups are often misled by bad merchants or cheated to use high-amount payment due to cognitive abilities, so that money loss is caused.
Disclosure of Invention
In view of the above, the present invention provides a method, an apparatus, and a system for automatically adjusting an upper limit of a payable amount, which can calculate the upper limit of the payable amount according to the age of a non-owner user when a vehicle terminal performs a network payment process, and prevent payment exceeding the upper limit.
The invention adopts the following technical scheme:
the method for automatically adjusting the upper limit of the payable amount according to the embodiment of the invention is applied to a system consisting of a vehicle terminal and a cloud server, wherein the vehicle terminal is connected with a plurality of sensors, and the method comprises the following steps:
the vehicle-mounted terminal responds to a payment request of a user to enter a payment process, acquires collected user data from a sensor and uploads the user data to a cloud server;
the cloud server calculates the age of the user and the corresponding upper limit of the payable amount according to the user data, and returns the upper limit of the payable amount to the vehicle terminal;
the vehicle-mounted terminal judges whether to continue the payment process according to the upper limit of the payable amount;
when the user inputs the amount exceeding the upper limit of the payable amount, the vehicle terminal stops the payment;
and when the user inputs the amount which does not exceed the upper limit of the payable amount, the vehicle-mounted terminal continues the payment process.
Further, the user data includes: one or both of the user's image and the user's voice.
Further, the vehicle terminal prevents the payment, and prompts the user through an interface or sound to prevent the reason for the payment.
Further, the cloud server calculates the age of the user and the corresponding upper limit of the payable amount according to the user data, and includes:
the cloud server analyzes family members according to the age of the vehicle owner, determines the age of the current user by combining the data of the current user, and determines the upper limit of the payable amount.
Further, the cloud server calculates the user age and the corresponding upper limit of the payable amount according to the user data, and the method comprises the following steps:
the cloud server judges the current user age according to the vehicle using time and the user data, and determines the upper limit of the payable amount.
The embodiment of the present invention further provides a car terminal for automatically adjusting an upper limit of a payable amount, which is connected to a cloud server to perform a payment process, and the car terminal is connected to a plurality of sensors, and includes:
the acquisition module is used for acquiring user data acquired by the sensor;
the cash register module is used for responding to a user request to enter a payment process, uploading user data to the cloud server so that the cloud server can calculate the age of the user and a corresponding upper limit of the payable amount based on the user data and judge whether to enter the payment process or not according to the upper limit of the payable amount;
when the user inputs the amount exceeding the upper limit of the payable amount, the cashier desk module stops payment and prompts the user;
when the user inputs an amount which does not exceed the upper limit of the payable amount, the cashier desk module continues the payment process.
The embodiment of the invention also provides a system for automatically adjusting the upper limit of the payable amount, which comprises the following steps:
the sensor is used for acquiring user data;
the cloud server is used for calculating the age of the user and the upper limit of the payable amount according to the user data;
the vehicle-mounted terminal is used for responding to a payment request of a user to enter a payment process, acquiring the collected user data from the sensor, uploading the user data to the cloud server, and judging whether to continue the payment process according to the upper limit of the payable amount returned by the cloud server;
when the user inputs the amount exceeding the upper limit of the payable amount, the vehicle terminal stops the payment;
and when the user inputs the amount which does not exceed the upper limit of the payable amount, the vehicle-mounted terminal continues the payment process.
Further, the car terminal is used for:
when the payment process is blocked, the user is prompted through an interface or sound for the reason why the payment cannot be made.
Further, the cloud server is configured to:
and analyzing family members according to the age of the vehicle owner, determining the age of the current user by combining the data of the current user, and determining the upper limit of the payable amount.
Further, the cloud server is configured to:
and judging the age of the current user according to the vehicle using time and the user data, and determining the upper limit of the payable amount.
The technical scheme of the invention at least has one of the following beneficial effects:
1. according to the method provided by the embodiment of the invention, when networking payment is carried out at the end of a non-vehicle owner using a vehicle, the user information is collected through the sensor to calculate the age of the user so as to calculate the upper limit of the payable amount, and the payment process exceeding the upper limit is prevented, so that the fund safety is effectively protected;
2. according to the method provided by the embodiment of the invention, the user information of a large number of users is collected through the sensor and uploaded to the cloud server for age judgment, and the cloud server can judge the age of the user more accurately through continuous learning so as to obtain a more accurate upper limit of the payable amount.
Drawings
FIG. 1 is a diagram of a system architecture for automatically adjusting the upper limit of a payable amount, in accordance with an embodiment of the present invention;
FIG. 2 is a flow chart of a method of automatically adjusting an upper limit of a payable amount according to an embodiment of the invention;
fig. 3 is a flowchart illustrating a first electronic device dialing or answering a call in a method for improving tone quality by connecting a vehicle terminal and multiple terminals through bluetooth according to an embodiment of the present invention;
fig. 4 is a block diagram of an SoC with bluetooth connection to multiple terminals for improving sound quality of an in-vehicle terminal according to an embodiment of the present invention.
Detailed Description
The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are some, not all, embodiments of the present invention. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.
In the prior art, when the in-vehicle equipment is used for payment, the in-vehicle payment is often carried out by non-vehicle owners, and people in the age groups are often misled or deceived by bad merchants to use high-amount payment due to cognitive ability, so that the amount loss is caused. The invention adopts a method for automatically adjusting the upper limit of the payable amount, when a non-vehicle owner carries out in-vehicle payment, the user information is collected and uploaded through a sensor to judge the age of the user, and then the corresponding upper limit of the payable amount is obtained, whether the payment process is continued or not is determined according to the upper limit of the payable amount, and the payment safety is ensured.
Referring to fig. 1, fig. 1 is a system architecture diagram for automatically adjusting an upper limit of a payable amount, as shown in fig. 1, the system architecture diagram includes a sensor 111, a sensor 112, a car terminal 120, and a cloud server 130.
When a user pays in a vehicle, the vehicle-mounted terminal 120 responds to a payment request of the user to enter a payment process, acquires user data from the sensor 111 and the sensor 112 and uploads the user data to the cloud server 130, the cloud server 130 calculates the age of the user and a corresponding upper limit of the payable amount according to the user data, the vehicle-mounted terminal 120 judges whether to continue the payment process according to the upper limit of the payable amount, and the payment process is stopped when the amount input by the user exceeds the upper limit of the payable amount. Therefore, the vehicle-mounted terminal collects user information through the sensor and uploads the user information to the cloud server to be subjected to age calculation so as to obtain the upper limit of the payable amount, and the payment safety is effectively guaranteed.
Wherein, the sensor 111 may be a camera for collecting the face data of the user, and the sensor 112 may be a microphone for collecting the voiceprint data of the user. Therefore, a judgment basis is provided for the cloud server to judge the age of the user. Of course, it is obvious that the method of using the sensor to acquire the face and voiceprint information of the person in the vehicle to calculate the age of the person in the vehicle is only one embodiment, and in other embodiments, the identity information of the person in the vehicle can be acquired by using sensors such as a palm sensor, an iris recognizer and a face recognizer or by using a voice query mode, and then, the cloud server can compare the acquired identity information with the previously recorded identity information to obtain the age of the person in the vehicle.
A method for automatically adjusting an upper limit of a payable amount according to an embodiment of the present invention will be described in detail below with reference to the accompanying drawings.
FIG. 2 illustrates a flow chart of a method of automatically adjusting an upper limit of a payable amount. The method for automatically adjusting the upper limit of the payable amount is applied to a system consisting of a vehicle terminal and a cloud server, wherein the vehicle terminal is connected with a plurality of sensors.
As shown in FIG. 2, the flowchart includes S210-S250:
and S210, the vehicle terminal acquires the collected user data from the sensor and uploads the user data to the cloud server.
Specifically, when a user performs online payment on a vehicle, for example, the user uses a two-dimensional payment code on a vehicle-mounted terminal interface or other password payment modes, the vehicle-mounted terminal responds to a payment request of the user to enter a payment process, acquires collected user data from a sensor, and uploads the user data to a cloud server.
More specifically, the sensor may be one or more of a camera, a microphone, and may be used to collect facial data and voiceprint data of the user. Therefore, a judgment basis is provided for the cloud server to judge the age of the user.
And S220, the cloud server calculates the age of the user and the upper limit of the payable amount according to the user data, and returns the upper limit of the payable amount to the vehicle terminal.
Specifically, the cloud server can calculate the age of the user and the corresponding upper limit of the payable amount according to the face data or the voiceprint data, and returns the upper limit of the payable amount to the vehicle terminal.
More specifically, the cloud server can analyze family members according to the age of the owner of the automobile, determine the age of the current user by combining the data of the current user, and determine the upper limit of the payable amount. For example, when the registered owner information is 50 years old, the cloud server naturally calculates the age of the partner or the offspring, and adds the weight when calculating the age of the user. Certainly, the cloud server can also judge the current user age according to the vehicle using time and the user data, and determine the upper limit of the payable amount. Therefore, the age of the user is calculated respectively through multiple modes, the calculation accuracy is guaranteed, and further, the upper limit of the payable amount is more accurate.
And S230, the vehicle terminal judges whether to continue the payment process according to whether the amount input by the user exceeds the upper limit of the payable amount.
When the amount input by the user exceeds the upper limit of the payable amount, the in-vehicle terminal performs S240.
In S240, the in-vehicle terminal prevents the payment.
Specifically, the vehicle terminal stops working by controlling the payment process to stop the payment process, and prompts the user through a vehicle interface or voice to stop the payment reason.
When the amount input by the user does not exceed the upper limit of the payable amount, the in-vehicle terminal performs S250.
And S250, the vehicle terminal continues the payment process.
In addition, the present application further discloses a car terminal for automatically adjusting an upper limit of a payable amount, which is used for being connected with a cloud server to perform a payment process, and the car terminal is connected with a plurality of sensors, as shown in fig. 3, fig. 3 is a schematic structural diagram of the car terminal for automatically adjusting the upper limit of the payable amount according to the embodiment of the present invention, and the schematic structural diagram includes:
the acquisition module 310, the acquisition module 310 is used for acquiring user data collected by the sensor;
the cashier module 320 is used for responding to a user request to enter a payment process, uploading user data to the cloud server so that the cloud server can calculate the age of the user and a corresponding upper limit of the payable amount based on the user data and judge whether to enter the payment process according to the upper limit of the payable amount;
when the user inputs the amount exceeding the upper limit of the payable amount, the cashier desk module stops payment and prompts the user;
when the user inputs an amount which does not exceed the upper limit of the payable amount, the cashier desk module continues the payment process.
The work flow and the function of each device in the car terminal according to the embodiment of the present invention have been described in detail in the foregoing embodiments, and specifically refer to the description in the method in fig. 2 in the foregoing embodiments, which is not described herein again.
In addition, the present application also discloses a system for automatically adjusting the upper limit of the payable amount, as shown in fig. 1, including:
the sensor 111 and the sensor 112, the sensor 111 and the sensor 112 are used for collecting user data;
the cloud server 130 is used for calculating the age of the user and the upper limit of the payable amount according to the user data;
the car terminal 120, where the car terminal 120 is configured to respond to a payment request of a user to enter a payment process, acquire collected user data from the sensor 111 and the sensor 112, upload the user data to the cloud server 130, and determine whether to continue the payment process according to an upper limit of a payable amount returned by the cloud server 130;
when the user inputs an amount exceeding the upper limit of the payable amount, the in-vehicle terminal 120 prevents the payment;
when the user inputs an amount that does not exceed the upper limit of the payable amount, the in-vehicle terminal 120 continues the payment process.
Further, the in-vehicle terminal 120 is configured to:
when the payment process is blocked, the user is prompted through an interface or sound for the reason why the payment cannot be made.
Further, the cloud server 130 is configured to:
and analyzing family members according to the age of the vehicle owner, determining the age of the current user by combining the data of the current user, and determining the upper limit of the payable amount.
Further, the cloud server 130 is configured to:
and judging the age of the current user according to the vehicle using time and the user data, and determining the upper limit of the payable amount.
The work flow and the function of each device in the system according to the embodiment of the present invention have been described in detail in the foregoing embodiment, and specifically refer to the description in the method in fig. 2 in the foregoing embodiment, which is not described herein again.
Referring now to fig. 4, shown is a block diagram of a SoC (System on Chip) 1300 in accordance with an embodiment of the present application. In fig. 4, similar components have the same reference numerals. In addition, the dashed box is an optional feature of more advanced socs. In fig. 4, SoC1300 includes: an interconnect unit 1350 coupled to the application processor 1310; a system agent unit 1380; a bus controller unit 1390; an integrated memory controller unit 1340; a set or one or more coprocessors 1320 which may include integrated graphics logic, an image processor, an audio processor, and a video processor; a Static Random Access Memory (SRAM) unit 1330; a Direct Memory Access (DMA) unit 1360. In one embodiment, the coprocessor 1320 includes a special-purpose processor, such as, for example, a network or communication processor, compression engine, GPGPU, a high-throughput MIC processor, embedded processor, or the like.
Included in Static Random Access Memory (SRAM) unit 1330 may be one or more computer-readable media for storing data and/or instructions. A computer-readable storage medium may have stored therein instructions, in particular, temporary and permanent copies of the instructions. The instructions may include: when executed by at least one unit in the processor, the Soc1300 may execute the calculation method according to the foregoing embodiment, which specifically refers to the method shown in fig. 2 in the foregoing embodiment, and is not described herein again.
While the foregoing is directed to the preferred embodiment of the present invention, it will be understood by those skilled in the art that various changes and modifications may be made without departing from the spirit and scope of the invention as defined in the appended claims.
Claims (10)
1. The utility model provides a method for automatic adjustment can pay amount of money upper limit, is applied to the system that includes vehicle machine terminal and cloud server constitution, vehicle machine terminal is connected with a plurality of sensors, its characterized in that includes:
the vehicle-mounted terminal responds to a payment request of a user to enter a payment process, acquires collected user data from the sensor and uploads the user data to a cloud server;
the cloud server calculates the age of the user and the corresponding upper limit of the payable amount according to the user data, and returns the upper limit of the payable amount to the vehicle terminal;
the vehicle-mounted terminal judges whether to continue the payment process according to the upper limit of the payable amount;
when the user inputs the amount exceeding the upper limit of the payable amount, the vehicle-mounted terminal prevents the payment;
and when the user inputs the amount which does not exceed the upper limit of the payable amount, the vehicle-mounted terminal continues the payment process.
2. The method of claim 1, wherein the user data comprises: one or both of the user's image and the user's voice.
3. The method according to claim 1, wherein the vehicle terminal prevents the payment and prompts a user through an interface or a sound for the reason for preventing the payment.
4. The method of claim 1, wherein the cloud server calculates a user age and a corresponding upper limit of payable amount based on the user data, comprising:
and the cloud server analyzes family members according to the age of the vehicle owner, determines the age of the current user by combining the data of the current user, and determines the upper limit of the payable amount.
5. The method of claim 1, wherein the cloud server calculates a user age and a corresponding upper limit of payable amount based on the user data, comprising:
and the cloud server judges the current user age according to the vehicle using time and the user data and determines the upper limit of the payable amount.
6. The utility model provides an automatic vehicle machine terminal of adjustment payable amount of money upper limit for be connected in order to pay the flow with high in the clouds server, vehicle machine terminal is connected with a plurality of sensors, its characterized in that includes:
the acquisition module is used for acquiring the user data acquired by the sensor;
the system comprises a cashier desk module, a payment processing module and a payment processing module, wherein the cashier desk module is used for responding to a user request to enter a payment process, uploading user data to the cloud server so that the cloud server can calculate user age and a corresponding upper limit of payable amount based on the user data and judge whether to enter the payment process or not according to the upper limit of the payable amount;
when the user inputs the amount exceeding the upper limit of the payable amount, the cashier desk module stops payment and prompts the user;
and when the user inputs the amount which does not exceed the upper limit of the payable amount, the cashier desk module continues the payment process.
7. A system for automatically adjusting an upper limit of a payable amount, comprising:
a sensor for collecting user data;
the cloud server is used for calculating the age of the user and the upper limit of the payable amount according to the user data;
the vehicle-mounted terminal is used for responding to a payment request of a user to enter a payment process, acquiring collected user data from the sensor, uploading the user data to the cloud server, and judging whether to continue the payment process according to the upper limit of the payable amount returned by the cloud server;
when the user inputs the amount exceeding the upper limit of the payable amount, the vehicle-mounted terminal prevents the payment;
and when the user inputs the amount which does not exceed the upper limit of the payable amount, the vehicle-mounted terminal continues the payment process.
8. The system of claim 7, wherein the in-vehicle terminal is configured to:
when the payment process is blocked, the user is prompted through an interface or sound for the reason why the payment cannot be made.
9. The system of claim 7, wherein the cloud server is configured to:
and analyzing family members according to the age of the vehicle owner, determining the age of the current user by combining the data of the current user, and determining the upper limit of the payable amount.
10. The system of claim 7, wherein the cloud server is configured to:
and judging the age of the current user according to the vehicle using time and the user data, and determining the upper limit of the payable amount.
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| Application Number | Priority Date | Filing Date | Title |
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| CN202110945629.3A CN113643021A (en) | 2021-08-16 | 2021-08-16 | Method, device and system for automatically adjusting upper limit of payable amount |
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| CN202110945629.3A CN113643021A (en) | 2021-08-16 | 2021-08-16 | Method, device and system for automatically adjusting upper limit of payable amount |
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