CN113673976A

CN113673976A - Payment processing method and device applied to vehicle

Info

Publication number: CN113673976A
Application number: CN202110932478.8A
Authority: CN
Inventors: 郭炯光; 李辉; 卢声晓; 李廷温; 牛秀元
Original assignee: Alipay Hangzhou Information Technology Co Ltd
Current assignee: AlipayCom Co ltd
Priority date: 2021-08-13
Filing date: 2021-08-13
Publication date: 2021-11-19
Anticipated expiration: 2041-08-13
Also published as: CN113673976B; CN118469555A

Abstract

The embodiment of the specification provides a payment processing method and device applied to a vehicle, wherein the payment processing method applied to the vehicle comprises the following steps: receiving a request to be confirmed of a payment order of a target vehicle issued by a server, wherein the payment order is generated by a charging terminal based on a received wireless signal sent by the target vehicle through a wireless transmitting component; determining a user terminal associated with the target vehicle according to the communication signal detected by the calling communication component; and if the signal intensity of the communication signal of the user terminal is greater than a preset threshold value, sending a payment confirmation instruction of the request to be confirmed to the server.

Description

Payment processing method and device applied to vehicle

Technical Field

The present disclosure relates to the field of data processing technologies, and in particular, to a payment processing method and device for a vehicle.

Background

Along with the development of the internet of things technology and the large-scale development of the artificial intelligence industry, the demand of a user in the driving and traveling process is more and more diversified, and according to various payment scenes encountered in the driving and traveling process, a plurality of vehicles provide convenient payment means for the user through pre-installed intelligent sensing equipment and intelligent computing units, so that the user can carry out consumption payment on the vehicle, the driving and traveling experience of the user is improved, and the life of the user is facilitated.

Disclosure of Invention

One or more embodiments of the present specification provide a payment processing method applied to a vehicle, including: and receiving a request to be confirmed of a payment order of the target vehicle issued by the server, wherein the payment order is generated by the charging terminal based on the received wireless signal sent by the target vehicle through the wireless transmitting component. And determining the user terminal associated with the target vehicle according to the communication signal detected by the calling communication component. And if the signal intensity of the communication signal of the user terminal is greater than a preset threshold value, sending a payment confirmation instruction of the request to be confirmed to the server.

One or more embodiments of the present specification provide another payment processing method applied to a vehicle, including: and calling a wireless communication component to detect a wireless signal sent by the charging terminal according to the user instruction, and establishing communication connection with the charging terminal. And obtaining the payment order generated by the charging terminal through the communication connection. And determining the user terminal associated with the target vehicle according to the communication signal detected by calling the near field communication component. And if the signal intensity of the communication signal of the user terminal is greater than a preset threshold value, submitting the payment order and an order payment instruction to a server.

One or more embodiments of the present specification provide a payment processing apparatus applied to a vehicle, including: the receiving module is configured to receive a request to be confirmed of a payment order of a target vehicle issued by a server, and the payment order is generated by a charging terminal based on a received wireless signal sent by the target vehicle through a wireless transmitting component. A determination module configured to determine a user terminal associated with the target vehicle based on the communication signal detected by the invoking communication component. And the sending module is configured to send a payment confirmation instruction of the request to be confirmed to the server if the signal strength of the communication signal of the user terminal is greater than a preset threshold value.

One or more embodiments of the present specification provide another payment processing apparatus applied to a vehicle, including: the detection module is configured to invoke the wireless communication component to detect the wireless signal sent by the charging terminal according to the user instruction and establish communication connection with the charging terminal. An obtaining module configured to obtain the payment order generated by the charging terminal through the communication connection. A determination module configured to determine a user terminal associated with the target vehicle from the communication signal detected by the invoking near field communication component. The submitting module is configured to submit the payment order and the order payment instruction to a server if the signal strength of the communication signal of the user terminal is greater than a preset threshold value.

One or more embodiments of the present specification provide a payment processing apparatus applied to a vehicle, including: a processor; and a memory configured to store computer-executable instructions that, when executed, cause the processor to: and receiving a request to be confirmed of a payment order of the target vehicle issued by the server, wherein the payment order is generated by the charging terminal based on the received wireless signal sent by the target vehicle through the wireless transmitting component. And determining the user terminal associated with the target vehicle according to the communication signal detected by the calling communication component. And if the signal intensity of the communication signal of the user terminal is greater than a preset threshold value, sending a payment confirmation instruction of the request to be confirmed to the server.

One or more embodiments of the present specification provide another payment processing apparatus applied to a vehicle, including: a processor; and a memory configured to store computer-executable instructions that, when executed, cause the processor to: and calling a wireless communication component to detect a wireless signal sent by the charging terminal according to the user instruction, and establishing communication connection with the charging terminal. And obtaining the payment order generated by the charging terminal through the communication connection. And determining the user terminal associated with the target vehicle according to the communication signal detected by calling the near field communication component. And if the signal intensity of the communication signal of the user terminal is greater than a preset threshold value, submitting the payment order and an order payment instruction to a server.

One or more embodiments of the present specification provide a storage medium storing computer-executable instructions that, when executed, implement the following: and receiving a request to be confirmed of a payment order of the target vehicle issued by the server, wherein the payment order is generated by the charging terminal based on the received wireless signal sent by the target vehicle through the wireless transmitting component. And determining the user terminal associated with the target vehicle according to the communication signal detected by the calling communication component. And if the signal intensity of the communication signal of the user terminal is greater than a preset threshold value, sending a payment confirmation instruction of the request to be confirmed to the server.

One or more embodiments of the present specification provide another storage medium storing computer-executable instructions that, when executed, implement the following: and calling a wireless communication component to detect a wireless signal sent by the charging terminal according to the user instruction, and establishing communication connection with the charging terminal. And obtaining the payment order generated by the charging terminal through the communication connection. And determining the user terminal associated with the target vehicle according to the communication signal detected by calling the near field communication component. And if the signal intensity of the communication signal of the user terminal is greater than a preset threshold value, submitting the payment order and an order payment instruction to a server.

Drawings

In order to more clearly illustrate one or more embodiments or technical solutions in the prior art in the present specification, the drawings used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only some embodiments described in the present specification, and for those skilled in the art, other drawings can be obtained according to the drawings without inventive exercise;

fig. 1 is a process flow diagram of a payment processing method applied to a vehicle according to one or more embodiments of the present disclosure;

fig. 2 is a process flow diagram of a payment processing method applied to a vehicle in a first payment scenario according to one or more embodiments of the present disclosure;

fig. 3 is a flowchart of a payment processing method applied to a vehicle in a second payment scenario according to one or more embodiments of the present disclosure;

FIG. 4 is a process flow diagram of another payment processing method applied to a vehicle according to one or more embodiments of the present disclosure;

fig. 5 is a process flow diagram of a payment processing method applied to a vehicle in another first payment scenario provided in one or more embodiments of the present disclosure;

fig. 6 is a flowchart of a payment processing method applied to a vehicle in another second payment scenario provided in one or more embodiments of the present disclosure;

fig. 7 is a schematic view of a payment processing apparatus applied to a vehicle according to one or more embodiments of the present disclosure;

FIG. 8 is a schematic view of another payment processing apparatus for a vehicle according to one or more embodiments of the present disclosure;

fig. 9 is a schematic structural diagram of a payment processing apparatus applied to a vehicle according to one or more embodiments of the present disclosure;

fig. 10 is a schematic structural diagram of another payment processing apparatus applied to a vehicle according to one or more embodiments of the present disclosure.

Detailed Description

In order to make those skilled in the art better understand the technical solutions in one or more embodiments of the present disclosure, the technical solutions in one or more embodiments of the present disclosure will be clearly and completely described below with reference to the drawings in one or more embodiments of the present disclosure, and it is obvious that the described embodiments are only a part of the embodiments of the present disclosure, and not all embodiments. All other embodiments that can be derived by a person skilled in the art from one or more of the embodiments described herein without making any inventive step shall fall within the scope of protection of this document.

The payment processing method applied to the vehicle provided by the specification comprises the following steps:

referring to fig. 1, which shows a processing flow chart of a payment processing method applied to a vehicle according to the present embodiment, referring to fig. 2, which shows a processing flow chart of a payment processing method applied to a vehicle according to a first payment scenario provided by the present embodiment, and referring to fig. 3, which shows a processing flow chart of a payment processing method applied to a vehicle according to a second payment scenario provided by the present embodiment.

Referring to fig. 1, the payment processing method applied to a vehicle provided in this embodiment specifically includes step S102 to step S106.

And step S102, receiving a request to be confirmed of a payment order of the target vehicle issued by the server.

In the payment processing method applied to the vehicle provided by the embodiment, under the condition that the vehicle and the user terminal establish an association relationship, a wireless transmitting component configured by the vehicle sends a wireless signal to an external charging terminal, after the charging terminal receives the wireless signal and generates a request to be confirmed of a payment order and sends the request to the vehicle, the vehicle detects the communication signal intensity of the user terminal through a communication component, and if the communication signal intensity is greater than a preset threshold value, the user terminal is in a payment environment, so that a payment confirmation instruction is sent to a server, and then the server performs payment processing; whether the user terminal establishing the association relation with the vehicle is in the vehicle or close to the vehicle is judged, and the fact that the user terminal is in the payment environment is obtained according to the judgment result, so that the payment safety is guaranteed, the flexibility of vehicle payment is further improved, and the driving travel experience of the user is improved.

In this embodiment, the payment order is generated by a charging terminal according to a received wireless signal of the target vehicle, specifically, the charging terminal generates the payment order according to the target vehicle identifier carried in the wireless signal and the amount to be paid of the target vehicle; the request to be confirmed is generated by the server according to the received payment order and sent to the target vehicle, wherein the wireless transmitting component is configured on the vehicle and used for sending a wireless signal carrying a vehicle identifier, such as a millimeter wave radar of an automobile.

The charging terminal is terminal equipment configured in a scene of providing vehicle service and used for generating a payment order; the charging terminal is provided with a wireless receiving component and is used for detecting a wireless signal sent by a vehicle through a wireless transmitting component and establishing a communication connection with the target vehicle so as to send the payment order to the target vehicle through the communication connection.

In specific implementation, a wireless signal sent by the target vehicle through a configured wireless transmitting component is received at one side of a charging terminal, the wireless signal comprises the target vehicle identification, the payment order is generated according to the cost needing to be paid by the target vehicle, and the payment order is sent to the server; after the server receives the payment order submitted by the charging terminal, a request to be confirmed of the payment order is generated, and the request to be confirmed is further sent to the target vehicle based on the target vehicle identification contained in the payment order; based on this, the target vehicle receives the request to be confirmed issued by the server.

For example, when a vehicle is out of a parking lot, the vehicle needs to pay the parking fee, in the payment process, a parking lot charging terminal generates a payment order according to a vehicle identifier carried in a wireless signal sent by the vehicle through a wireless transmitting component and the parking fee to be paid by the vehicle, and submits the payment order to a server; then the server generates a request to be confirmed according to the payment order and sends the request to the vehicle; and further, the vehicle receives a request to be confirmed sent by the server.

In a specific implementation process, before a request to be confirmed of a payment order of a target vehicle issued by a server is received, the target vehicle performs key interaction with a user terminal establishing an association relationship, so as to encrypt and decrypt data in a communication interaction process.

In this embodiment, the first working public key included in the generated first working key pair is sent to the user terminal, and based on this, the user terminal encrypts the terminal identifier of the user terminal according to the first working public key to obtain a terminal identifier ciphertext and sends the terminal identifier ciphertext to the target vehicle, specifically, an optional implementation manner provided in this embodiment is to send the first working public key to the user terminal in the following manner:

after the incidence relation between the target vehicle and the user terminal is established, receiving a second payment public key ciphertext sent by the user terminal;

decrypting the second payment public key ciphertext based on a first initial private key contained in a first initial key pair generated in advance to obtain a second payment public key;

generating a first working key pair, wherein the first working key pair comprises a first working public key and a first working private key;

encrypting the first working public key by using the second payment public key to obtain a first working public key ciphertext;

and sending the first working public key ciphertext to the user terminal so as to be used for data encryption of the first working public key obtained by the user terminal after decryption.

In this embodiment, the first working key pair is generated by the target vehicle and is a working key pair of a vehicle terminal of the target vehicle, where the first working key pair includes a first working public key and a first working private key and is used to encrypt and decrypt communication data in a communication process between the target vehicle and the user terminal; the first initial key pair is generated in advance by the target vehicle, optionally, the first initial key pair is generated after the target vehicle leaves a factory, and a first initial public key included in the first initial key pair is transmitted to the user terminal after the target vehicle leaves the factory.

In the process that the target vehicle sends the first working public key to the user terminal, the user terminal executes the following operations:

encrypting a second payment public key contained in the generated second payment key pair by using the first initial public key to obtain a second payment public key ciphertext and sending the second payment public key ciphertext to the target vehicle;

after receiving the first work public key ciphertext sent by the target vehicle, the user terminal decrypts the ciphertext by using a second payment private key contained in the second payment private key pair to obtain a first work public key;

and encrypting the terminal identification of the user terminal by using the first working public key, and sending a second signal carrying a ciphertext to the target vehicle in a form of the ciphertext.

As described above, the target vehicle generates a first initial key pair after leaving the factory, and sends a first initial public key included in the first initial key pair to the user terminal, and after the target vehicle decrypts to obtain a second payment public key sent by the user terminal, encrypts a first working public key included in the generated first working key pair to obtain a first working public key ciphertext and sends the first working public key ciphertext to the user terminal.

The target vehicle sends the first working public key to the user terminal, and the user terminal encrypts the communication interaction between the target vehicle and the user terminal based on the first working public key, correspondingly, in the process of sending data to the user terminal, the target vehicle can also encrypt the communication data through the first working private key contained in the first working private key pair to obtain a signal carrying a ciphertext and send the signal to the user terminal; and at the side of the user terminal, decrypting the signal carrying the ciphertext according to the received first working public key to obtain communication data.

Correspondingly, the user terminal may also send a second working public key to the target vehicle, so that data sent by the target vehicle to the user terminal may be encrypted by the second working public key, thereby ensuring the security of data transmission from the target vehicle to the user terminal, and performing strict data encryption on communication interaction between the target vehicle and the user terminal based on the second working public key, thereby further ensuring the communication security between the target vehicle and the user terminal.

The process of the user terminal sending the second working public key is similar to the process of the target vehicle sending the first working public key, and the following describes a process of the target vehicle receiving the second working public key from the target vehicle side, where an optional implementation manner provided in this embodiment is to receive the second working public key sent by the user terminal in the following manner:

after the incidence relation between the target vehicle and the user terminal is established, receiving a second initial public key sent by the user terminal;

encrypting the first payment public key contained in the generated first payment key pair according to the second initial public key, and sending a first payment public key ciphertext to the user terminal;

receiving a second working public key ciphertext sent by the user terminal;

and decrypting the second work public key ciphertext based on the first payment private key contained in the first payment key pair to obtain a second work public key, so as to encrypt the received payment reminder and send a first signal carrying the ciphertext to the user terminal in a ciphertext form.

The first payment key pair is generated by the target vehicle in this embodiment, and includes a first payment public key and a first payment private key, where the first payment public key is used by the user terminal to encrypt a second working public key to obtain a second working public key ciphertext, and the first payment private key is used to decrypt the second working public key ciphertext sent by the user terminal; the payment reminder is generated by the server after payment processing is carried out, and is sent to the target vehicle and the charging terminal; the first signal comprises a payment reminding ciphertext, and the target vehicle encrypts the payment reminding by using the second working public key to generate the payment reminding.

It should be noted that the second initial key pair is generated after the user terminal leaves the factory, the second initial key pair includes the second initial public key and the second initial private key, and the user terminal transmits the second initial public key to the target vehicle; the second work secret key pair is generated by the user terminal and comprises a second work public key and a second work private key, the second work public key is used by the target vehicle for encrypting communication data, and the second work private key is used for decrypting the encrypted communication data sent by the target vehicle.

The user terminal executes the following operations in the process that the target vehicle receives the second working public key sent by the user terminal:

after establishing the association relationship with the target vehicle, the user terminal sends a second initial public key contained in a second initial key pair generated in advance to the target vehicle;

after receiving the first payment public key ciphertext sent by the target vehicle, the user terminal decrypts the first payment public key ciphertext by using the second initial private key contained in the second initial private key pair to obtain a first payment public key;

and encrypting a second working public key contained in the generated second working key pair by using the first payment public key, and obtaining a second working public key ciphertext to send to the user terminal.

As described above, the target vehicle receives the second initial public key sent by the user terminal, encrypts the first payment public key and sends the encrypted first payment public key to the user terminal; and the user terminal decrypts to obtain the first payment public key, encrypts a second work public key and then sends the second work public key to the target vehicle, and the target vehicle decrypts to obtain the second work public key. Based on this, the target vehicle can encrypt the received payment reminder issued by the server by using the second working public key, and send a signal carrying a cipher text to the user terminal, thereby ensuring the communication safety of the target vehicle sending data to the user terminal.

The target vehicle sends the first work public key to the user terminal and receives the second work public key sent by the user terminal, so that the first work secret key pair and the second work secret key pair are used for carrying out encryption and decryption processing of data transmission, safety guarantee is provided for communication between the target vehicle and the user terminal, and vehicle payment safety is further guaranteed.

In practical application, in consideration of communication security, a key needs to be updated, in this embodiment, the target vehicle performs key update by using the first working public key, specifically, an optional implementation manner provided in this embodiment performs key update processing in the following manner:

generating a new working key pair according to the key updating request to update the first working key pair;

encrypting a new working public key contained in the new working key pair by using the first working private key contained in the first working key pair to obtain a new working public key ciphertext;

and sending the new work public key ciphertext to the user terminal so as to be used for data encryption of the new work public key obtained by the user terminal after decryption.

In this embodiment, the new work key pair is generated by the target vehicle and is used to replace an original first work key pair, so as to encrypt data transmission between the target vehicle and the user terminal.

In the process of updating the key, after receiving the new working public key ciphertext, the user terminal executes the following operations:

decrypting the new working public key ciphertext according to a first working public key contained in the first working key pair to obtain the new working public key;

replacing the first working public key based on the new working public key to encrypt data sent to the target vehicle with the new working public key.

Through the key updating, the target vehicle and the work key pair obtained by the user terminal are updated, the key is updated under the encryption protection of the original work public key, the security of the key is ensured, the security and the reliability of the key updating are improved, the safe reliability of information transmission is also improved, the security of communication interaction is further ensured, and the vehicle payment security is further ensured.

Besides the fact that whether the user is in the payment environment or not is judged by detecting the user terminal, the biological identification component can be called to detect biological feature information of the user in the vehicle so as to judge whether the user is in the payment environment or not.

After receiving the request to be confirmed issued by the server, the target vehicle detects the biometric information of the user in the vehicle by calling the biometric component, so as to determine the identity of the user and the payment environment of the user according to the matching result, and then sends a payment confirmation instruction to the server, specifically, an optional implementation manner provided in this embodiment is to detect the biometric information of the user in the vehicle by adopting the following manner:

invoking a biometric component to detect biometric information of a user;

and if the matching degree of the biological characteristic information and the preset characteristic information of the user is greater than a preset payment threshold value, sending a payment confirmation instruction of the request to be confirmed to the server.

For example, after the vehicle receives a request to be confirmed of a payment order of a target vehicle issued by a server, the vehicle is called to configure a biological identification component, such as a camera and a fingerprint or palm print identification component of a steering wheel, to acquire facial feature information or biological feature information such as a fingerprint and a palm print of a vehicle owner, the facial feature information or the biological feature information is compared with preset biological feature information, the matching degree of the detected biological feature information of the vehicle owner and the preset biological feature information is larger than a preset payment threshold value according to a comparison result, the identity of the vehicle owner is confirmed, meanwhile, the vehicle owner is shown to be in a payment environment, and a payment confirmation instruction is sent to the server based on the result.

The biological identification component configured by the target vehicle detects the biological characteristic information of the user, so that the identity of the user is determined, the user is determined to be in a payment environment, and a payment confirmation instruction is further sent to the server, so that the in-vehicle payment is simple, effective and safe, the flexibility of in-vehicle payment is improved, and the payment experience of the user in driving and going out is improved.

And step S104, determining the user terminal related to the target vehicle according to the communication signal detected by the calling communication component.

The communication component is configured on a target vehicle and used for detecting a communication signal sent by a mobile terminal, such as a bluetooth component, wherein the communication signal includes at least one mobile terminal identifier; the user terminal associated with the target vehicle is a user terminal establishing a payment association relation with the target vehicle; the communication signal includes a communication signal of the user terminal, and the communication signal of the user terminal includes a terminal identifier of the user terminal.

In specific implementation, based on the association relationship between the target vehicle and the user terminal, after the user terminal receives the first working public key, the target vehicle performs decryption processing according to a terminal identifier ciphertext carried in a communication signal detected by a calling communication component, so as to determine the user terminal associated with the target vehicle, specifically, an optional implementation manner is provided in this embodiment, and the user terminal is determined through decryption processing in the following manner:

calling the communication assembly to detect the communication signal, wherein the communication signal comprises a terminal identification ciphertext of the user terminal; the terminal identification ciphertext is generated by encrypting the terminal identification of the user terminal by the user terminal according to the first working public key;

decrypting the communication signal according to a first working private key contained in the first working key pair;

and selecting the mobile terminal identification which is the same as the terminal identification of the user terminal from at least one mobile terminal identification obtained after decryption to determine the user terminal.

For example, the vehicle firstly detects a bluetooth signal through the bluetooth component, the bluetooth signal may be a bluetooth signal sent by a vehicle owner's mobile phone or a bluetooth signal of a mobile phone of a passenger in the vehicle, and based on the association relationship between the vehicle owner's mobile phone and the vehicle, the bluetooth signal sent by the vehicle owner's mobile phone carries an equipment name ciphertext of the vehicle owner's mobile phone obtained after being encrypted according to a vehicle working public key; and then, the vehicle decrypts the equipment name ciphertext carried in the Bluetooth signal according to the vehicle working private key to obtain the equipment name of the owner mobile phone, so that the owner mobile phone is determined.

In addition, the target vehicle receives a communication signal sent by the user terminal through wired connection, and decrypts a terminal identification ciphertext of the user terminal carried in the communication signal based on a first working public key obtained in a key interaction process, so as to confirm the identity of the user terminal.

It should be noted that in practical applications, in addition to the above-mentioned way of decrypting the communication signal to confirm the user terminal, the user terminal may also be directly determined in the detected at least one mobile terminal identifier, and specifically, this embodiment provides an optional implementation way, and the user terminal is determined in the following way:

calling the communication component to detect the communication signal, wherein the communication signal comprises at least one mobile terminal identification;

and selecting the mobile terminal identification which is the same as the terminal identification of the user terminal from the detected at least one mobile terminal identification to determine the user terminal.

Step S106, if the signal intensity of the communication signal of the user terminal is greater than a preset threshold value, a payment confirmation instruction of the request to be confirmed is sent to the server.

In this embodiment, the preset threshold refers to a strength value of the preset communication signal, and the communication distance between the two parties of communication is determined according to the strength value of the communication signal.

In specific implementation, whether the user terminal associated with the target vehicle is in the vehicle or in the vicinity of the vehicle is judged according to the detected intensity of the communication signal, if so, the user is indicated to be in a safe payment environment, and a payment confirmation instruction can be sent to the server.

In addition, after the target vehicle detects the communication signal, this embodiment provides an alternative implementation manner, in which the user is confirmed to be in the payment environment as follows:

if the signal intensity of the communication signal of the user terminal is smaller than or equal to a preset threshold value, calling a biological identification component to detect biological characteristic information of the user;

and sending a payment confirmation instruction of the request to be confirmed to the server under the condition that the matching degree of the biological characteristic information and the preset characteristic information of the user is greater than a preset payment threshold value.

For example, after the vehicle detects the signal intensity of the bluetooth signal sent by the bluetooth component configured by the vehicle owner's mobile phone, the signal intensity is judged to be smaller than a preset threshold value, and then the vehicle owner's mobile phone is not in the vehicle or is not near the vehicle, the facial feature information of the vehicle owner is acquired by the camera in the vehicle is called based on the judgment result, if the matching degree of the facial feature information and the preset feature information is larger than the preset payment threshold value, the identity of the vehicle owner is confirmed to further indicate that the vehicle owner is in a payment environment on the vehicle, so that the problem that the payment cannot be continued due to the fact that the mobile phone temporarily leaves the payment environment is avoided, the vehicle owner is confirmed to be in the payment environment by calling the biological recognition component, the flexibility of the payment in the vehicle is improved, and the safety of the vehicle payment is further guaranteed.

After the signal intensity of the communication signal of the user terminal is judged to be larger than a preset threshold value, the target vehicle sends a payment confirmation instruction of the request to be confirmed to the server, and then the server performs the following payment processing:

drawing a corresponding payment amount from the fund account associated with the target vehicle to the fund account associated with the charging terminal;

and sending a payment reminder to the target vehicle and the charging terminal.

And after the server sends the payment reminder, the target vehicle receives the payment reminder, encrypts the payment reminder according to a second working public key obtained by decryption and sends the payment reminder to the user terminal.

The following further describes the data processing method provided in this embodiment by taking an application of the payment processing method applied to the vehicle in the first payment scenario as an example, and referring to fig. 2, the payment processing method applied to the vehicle in the first payment scenario specifically includes steps S202 to S212.

Step S202, receiving a request to be confirmed of a payment order of a target vehicle issued by a server.

The target vehicle establishes an incidence relation with the user terminal, and then receives a second payment public key ciphertext sent by the user terminal; and decrypting the second payment public key ciphertext based on the first initial private key contained in the first pre-generated initial key pair to obtain a second payment public key, encrypting the first work public key contained in the first generated work key pair by using the second payment public key to obtain a first work public key ciphertext, and sending the first work public key ciphertext to the user terminal.

Step S204, calling a communication component to detect a communication signal based on the request to be confirmed.

Wherein, the communication signal contains the terminal identification cryptograph of the user terminal; and the terminal identification ciphertext is generated by encrypting the terminal identification of the user terminal by the user terminal according to the first working public key obtained after decryption.

Step S206, the communication signal is decrypted according to the first working private key included in the first working key pair.

Step S208, selecting the mobile terminal identification which is the same as the terminal identification of the user terminal from at least one mobile terminal identification obtained after decryption to determine the user terminal.

Step S210, if the signal strength of the communication signal of the user terminal is greater than the preset threshold, sending a payment confirmation instruction of the request to be confirmed to the server.

And step S212, receiving the payment reminder sent by the server.

And the payment reminding is sent to the target vehicle after the server carries out payment processing according to the received payment confirmation instruction of the request to be confirmed.

The following further describes the payment processing method applied to the vehicle in the present embodiment by taking an application of the payment processing method applied to the vehicle in the second payment scenario as an example, referring to fig. 3, the payment processing method applied to the vehicle in the second payment scenario specifically includes steps S302 to S312.

Step S302, receiving a request to be confirmed of a payment order of a target vehicle issued by a server.

Wherein the payment order is generated by the toll terminal based on the received wireless signal sent by the target vehicle through the wireless transmission component.

Step S304, based on the request to be confirmed, the communication component is called to detect the communication signal.

Wherein, the communication signal comprises at least one mobile terminal identification.

Step S306, selecting the mobile terminal identification which is the same as the user terminal identification from the at least one detected mobile terminal identification to determine the user terminal.

And judging whether the signal intensity of the communication signal of the user terminal is greater than a preset threshold value, if so, sending a payment confirmation instruction of a request to be confirmed to the server, and receiving a payment prompt sent by the server.

If the determination result is negative, steps S308 to S312 are executed.

Step S308, invoking a biometric component to detect biometric information of the user.

Step S310, if the matching degree of the biological characteristic information and the preset characteristic information of the user is greater than a preset payment threshold value, a payment confirmation instruction of the request to be confirmed is sent to the server.

Step S312, receiving the payment reminder sent by the server.

And the payment reminding is generated and sent to the target vehicle after payment processing is carried out by the server according to the received payment confirmation instruction of the request to be confirmed.

In summary, the target vehicle receives a request to be confirmed of a payment order issued by the server, calls the configured communication component to detect the communication signal of the user terminal, decrypts the received communication signal by using the first working public key to obtain the terminal identifier of the user terminal, decrypts by using the first working public key to ensure the communication safety, determines the user terminal establishing an association relationship with the vehicle according to the obtained terminal identifier of the user terminal, further judges whether the user terminal is in a payment environment, and sends a payment confirmation instruction to the server according to a judgment result, thereby ensuring the safety of vehicle payment and improving the driving travel experience of the user.

In addition, the biological identification component configured by the vehicle detects the biological characteristic information of the user, so that the identity of the user is confirmed, the user is ensured to be in a payment environment, the payment safety is guaranteed, a convenient vehicle payment means is provided, and the life of the user is facilitated.

Another payment processing method applied to a vehicle provided by the present specification includes:

referring to fig. 4, which shows a processing flow chart of a payment processing method applied to a vehicle according to the present embodiment, referring to fig. 5, which shows a processing flow chart of a payment processing method applied to a vehicle according to a first payment scenario provided by the present embodiment, and referring to fig. 6, which shows a processing flow chart of a payment processing method applied to a vehicle according to a second payment scenario provided by the present embodiment.

Referring to fig. 4, the payment processing method applied to a vehicle provided in this embodiment specifically includes steps S402 to S408.

Step S402, calling a wireless communication component to detect a wireless signal sent by the charging terminal according to a user instruction, and establishing communication connection with the charging terminal.

In this embodiment, the user instruction is an instruction submitted by a user at a vehicle-mounted terminal of the target vehicle and used for paying for the charging terminal, and the user instruction includes a charging terminal identifier and an amount to be paid; the wireless communication component is configured on the vehicle and used for detecting wireless signals and establishing communication connection, such as vehicle-mounted radio equipment.

In specific implementation, the target vehicle acquires the user instruction submitted by the user at the vehicle-mounted terminal, calls the configured wireless communication component according to the charging terminal identifier contained in the user instruction, detects a wireless signal sent by the wireless communication component configured by the charging terminal, and establishes communication connection with the charging terminal based on the wireless signal so as to receive the payment order sent by the charging terminal.

For example, when a vehicle is out of a parking lot, the vehicle needs to pay the cost generated by parking, in the active payment process, the vehicle calls the wireless communication component to detect a wireless signal sent by the wireless communication component configured on the parking lot charging terminal, and establishes communication connection with the parking lot charging terminal according to the detected wireless signal, so that a payment order is actively obtained from the parking lot charging terminal.

Step S404, obtaining the payment order generated by the charging terminal through the communication connection.

In this embodiment, the payment order is generated by the charging terminal and sent to the target vehicle through the communication connection, where the payment order includes the target vehicle identifier and the amount to be paid.

After the payment order generated by the charging terminal is acquired through the communication connection, the vehicle may detect biometric information of the user in the vehicle by calling the biometric component, so as to determine the identity of the user and the situation that the user is in the payment environment according to the matching result, and then send the payment order and the payment confirmation instruction to the server, specifically, in this embodiment, an optional implementation is provided, and the target vehicle confirms that the user is in the payment environment in the following manner:

invoking a biometric component to detect biometric information of a user;

For example, the vehicle acquires the payment order generated by the charging terminal through the wireless connection, calls a vehicle configuration biological identification component, such as a camera and a fingerprint or palm print identification component of a steering wheel, acquires the facial feature information or the fingerprint, palm print and other biological feature information of the vehicle owner, compares the facial feature information or the fingerprint, palm print and other biological feature information with preset biological feature information, and obtains the matching degree of the detected biological feature information of the vehicle owner and the preset biological feature information which is greater than a preset payment threshold value according to the comparison result, so that the identity of the vehicle owner is confirmed, meanwhile, the vehicle owner is shown to be in the payment environment, and sends a payment confirmation instruction to the server based on the identity.

Step S406, determining the user terminal associated with the target vehicle according to the communication signal detected by calling the near field communication component.

The near field communication module is configured on a target vehicle and used for detecting a communication signal sent by a mobile terminal, such as a bluetooth module, where the communication signal includes a mobile terminal identifier; the user terminal associated with the target vehicle is a user terminal establishing a payment association relation with the target vehicle; the communication signal includes a communication signal of the user terminal, and the communication signal of the user terminal includes a terminal identifier of the user terminal.

In specific implementation, the near field communication assembly is called to detect a communication signal sent by a mobile terminal, and the mobile terminal identifier which is the same as the terminal identifier of the user terminal is selected to determine the user terminal according to at least one mobile terminal identifier contained in the communication signal.

In addition, in order to further secure communication and thus secure vehicle payment, the detected communication signal is decrypted. Specifically, before determining the user terminal associated with the target vehicle according to the communication signal detected by calling the near field communication component, the target vehicle performs key interaction with the user terminal establishing an association relationship, so as to encrypt and decrypt data in the communication interaction process.

In this embodiment, the first working key pair is generated by the target vehicle, and is a working key pair of a vehicle terminal of the target vehicle, where the working key pair includes a first working public key and a first working private key, the user terminal encrypts communication data by using the first working public key, and the second working private key is used to decrypt the encrypted communication data sent by the user terminal; the first initial key pair is generated in advance by the target vehicle, optionally, the first initial key pair is generated after the target vehicle leaves a factory, and a first initial public key included in the first initial key pair is transmitted to the user terminal after the target vehicle leaves the factory.

Correspondingly, the user terminal may send a second working public key to the target vehicle, so that data sent by the target vehicle to the user terminal may be encrypted by the second working public key, thereby ensuring the security of data transmission from the target vehicle to the user terminal, and performing strict data encryption on communication interaction between the target vehicle and the user terminal based on the second working public key, thereby further ensuring the communication security between the target vehicle and the user terminal.

The process that the user terminal sends the second working public key is similar to the process that the target vehicle sends the first working public key, and the target vehicle receives the second initial public key sent by the user terminal, encrypts the first payment public key and sends the encrypted first payment public key to the user terminal; and the user terminal decrypts to obtain the first payment public key, encrypts a second work public key and then sends the second work public key to the target vehicle, and the target vehicle decrypts to obtain the second work public key. Based on this, the target vehicle can encrypt the received payment reminder issued by the server by using the second working public key, and send a signal carrying a cipher text to the user terminal, thereby ensuring the communication safety of the target vehicle sending data to the user terminal.

And sending a first work public key to the user terminal by the target vehicle and receiving a second work public key sent by the user terminal by the target vehicle, so that encryption and decryption processing of data transmission is performed by using the first work secret key pair and the second work secret key pair, safety guarantee is provided for communication between the target vehicle and the user terminal, and vehicle payment safety is further guaranteed.

In practical application, in consideration of communication security, a key needs to be updated, in this embodiment, the target vehicle generates a new work key pair according to a key update request to update the first work key pair, then encrypts a new work public key included in the new work key pair by using the first work private key included in the first work key pair to obtain a new work public key ciphertext, and then sends the new work public key ciphertext to the user terminal, so that the user terminal performs data encryption on the new work public key obtained by decrypting the new work public key. Wherein the new work key pair is generated by the target vehicle to replace an original first work key pair for encrypting data transmission between the target vehicle and the user terminal.

And after the key is updated, the user terminal replaces the first working public key with the new working public key so as to encrypt data sent to the target vehicle according to the new working public key.

Based on the association relationship established between the target vehicle and the user terminal, after the user terminal receives the first working public key, the target vehicle determines the user terminal associated with the target vehicle according to a communication signal detected by a calling communication component, specifically, an optional implementation manner is provided in this embodiment, and the user terminal is determined by decryption processing in the following manner:

calling the communication assembly to detect the communication signal, wherein the communication signal at least comprises a terminal identification ciphertext of the user terminal, and the terminal identification ciphertext is generated by encrypting the terminal identification of the user terminal by the user terminal according to the first working public key;

decrypting the communication signal according to a first working private key contained in the generated first working key pair;

Step S408, if the signal strength of the communication signal of the user terminal is greater than a preset threshold, sending a payment confirmation instruction of the request to be confirmed to the server.

and submitting the payment order and an order payment instruction to a server under the condition that the matching degree of the biological characteristic information and the preset characteristic information of the user is larger than a preset payment threshold value.

After the target vehicle sends a payment confirmation instruction of the request to be confirmed to the server, the server marks out corresponding payment amount from the fund account associated with the target vehicle to the fund account associated with the charging terminal, then sends a payment reminder to the target vehicle and the charging terminal, and the target vehicle receives the payment reminder, encrypts the payment reminder according to a second working public key obtained by decryption and sends the encrypted payment reminder to the user terminal.

The following further describes the payment processing method applied to the vehicle in the present embodiment by taking an application of the payment processing method applied to the vehicle in the first payment scenario as an example, and referring to fig. 5, the payment processing method applied to the vehicle in the first payment scenario specifically includes steps S502 to S514.

Step S502, the wireless communication component is called according to the user instruction to detect the wireless signal sent by the charging terminal, and the communication connection with the charging terminal is established.

Step S504, the payment order generated by the charging terminal is obtained through communication connection.

Step S506, invoking the communication component to detect the communication signal based on the payment order.

Wherein, the communication signal contains the terminal identification cryptograph of the user terminal; and the terminal identification ciphertext is generated by encrypting the terminal identification of the user terminal by the user terminal according to the first working public key.

Step S508, decrypting the communication signal according to the first working private key included in the first working key pair.

Step S510, selecting a mobile terminal identifier identical to the terminal identifier of the user terminal from the at least one mobile terminal identifier obtained after decryption to determine the user terminal.

Step S512, if the signal intensity of the communication signal of the user terminal is greater than the preset threshold value, submitting a payment order and an order payment instruction to the server.

And step S514, receiving the payment reminder sent by the server.

And the payment prompt is sent to the target vehicle after the server carries out payment processing according to the received payment order and the order payment instruction.

The following further describes the payment processing method applied to the vehicle in the present embodiment by taking an application of the payment processing method applied to the vehicle in the second payment scenario as an example, referring to fig. 6, the payment processing method applied to the vehicle in the second payment scenario specifically includes steps S602 to S614.

Step S602, the wireless communication component is called according to the user instruction to detect the wireless signal sent by the charging terminal, and the communication connection with the charging terminal is established.

Step S604, obtaining the payment order generated by the charging terminal through wireless connection.

Step S606, invoking the communication signal detected by the near field communication component based on the payment order.

Step S608, selecting a mobile terminal identifier identical to the terminal identifier of the user terminal from the detected at least one mobile terminal identifier to determine the user terminal.

And judging whether the signal intensity of the communication signal of the user terminal is greater than a preset threshold value, if so, submitting a payment order and an order payment instruction to the server, and receiving a payment prompt sent by the server.

If the determination result is negative, steps S610 to S614 are executed.

Step S610, invoking a biometric component to detect biometric information of the user.

Step S612, if the matching degree of the biological characteristic information and the preset characteristic information of the user is larger than a preset payment threshold value, submitting a payment order and an order payment instruction to a server.

And step S614, receiving the payment reminder sent by the server.

In conclusion, under the condition that the vehicle actively initiates payment, the order information is acquired through the configured wireless communication assembly, whether the user terminal establishing the association relationship is in the payment environment or not is judged on the basis, and the judgment result shows that the user terminal is in the payment environment and then sends a payment confirmation instruction to the server, so that the payment safety is guaranteed, the drive-up payment is realized, and the flexibility of vehicle payment is improved.

In addition, the biological identification component configured by the vehicle detects the biological characteristic information of the user, so that the identity of the user is confirmed, the payment safety is guaranteed, a convenient vehicle payment means is provided, and the driving travel experience of the user is improved.

The payment processing device applied to the vehicle provided by the specification comprises the following embodiments:

in the above embodiments, a payment processing method applied to a vehicle is provided, and correspondingly, a payment processing apparatus applied to a vehicle is also provided, which is described below with reference to the accompanying drawings.

Referring to fig. 7, a schematic diagram of a payment processing apparatus applied to a vehicle according to the present embodiment is shown.

Since the device embodiments correspond to the method embodiments, the description is relatively simple, and the relevant portions may refer to the corresponding description of the method embodiments provided above. The device embodiments described below are merely illustrative.

The embodiment provides a payment processing apparatus applied to a vehicle, including:

a receiving module 702, configured to receive a request to be confirmed of a payment order of a target vehicle issued by a server, where the payment order is generated by a charging terminal based on a received wireless signal sent by the target vehicle through a wireless transmitting component;

a determining module 704 configured to determine a user terminal associated with the target vehicle according to the communication signal detected by the invoking communication component;

a sending module 706, configured to send a payment confirmation instruction of the request to be confirmed to the server if the signal strength of the communication signal of the user terminal is greater than a preset threshold.

Another embodiment of a payment processing apparatus applied to a vehicle provided in this specification is as follows:

Referring to fig. 8, a schematic diagram of a payment processing apparatus applied to a vehicle according to the present embodiment is shown.

a detection module 802, configured to invoke a wireless communication component to detect a wireless signal sent by a charging terminal according to a user instruction, and establish a communication connection with the charging terminal;

an obtaining module 804 configured to obtain the payment order generated by the charging terminal through the communication connection;

a determining module 806 configured to determine a user terminal associated with the target vehicle from the communication signal detected by invoking the near field communication component;

a submitting module 808, configured to submit the payment order and the order payment instruction to a server if the signal strength of the communication signal of the user terminal is greater than a preset threshold.

The embodiment of the payment processing device applied to the vehicle provided by the specification is as follows:

corresponding to the above-described payment processing method applied to the vehicle, based on the same technical concept, one or more embodiments of the present specification further provide a payment processing apparatus applied to the vehicle, where the data processing apparatus is configured to execute the above-described data processing method, and fig. 9 is a schematic structural diagram of the payment processing apparatus applied to the vehicle provided by one or more embodiments of the present specification.

The embodiment provides a payment processing device applied to a vehicle, which comprises:

as shown in fig. 9, the data processing apparatus may have a relatively large difference due to different configurations or performances, and may include one or more processors 901 and a memory 902, where one or more stored applications or data may be stored in the memory 902. Memory 902 may be, among other things, transient storage or persistent storage. The application program stored in memory 902 may include one or more modules (not shown), each of which may include a series of computer-executable instructions in a data processing device. Still further, the processor 901 may be arranged in communication with the memory 902 for executing a series of computer executable instructions in the memory 902 on the data processing device. The data processing apparatus may also include one or more power supplies 903, one or more wired or wireless network interfaces 904, one or more input/output interfaces 909, one or more keyboards 906, and the like.

In one particular embodiment, a data processing apparatus comprises a memory, and one or more programs, wherein the one or more programs are stored in the memory, and the one or more programs may comprise one or more modules, and each module may comprise a series of computer-executable instructions for the data processing apparatus, and the one or more programs configured for execution by the one or more processors comprise computer-executable instructions for:

receiving a request to be confirmed of a payment order of a target vehicle issued by a server, wherein the payment order is generated by a charging terminal based on a received wireless signal sent by the target vehicle through a wireless transmitting component;

determining a user terminal associated with the target vehicle according to the communication signal detected by the calling communication component;

and if the signal intensity of the communication signal of the user terminal is greater than a preset threshold value, sending a payment confirmation instruction of the request to be confirmed to the server.

Another embodiment of a payment processing apparatus applied to a vehicle provided in the present specification is as follows:

in response to the above-described another payment processing method applied to a vehicle, based on the same technical concept, one or more embodiments of the present specification further provide another payment processing apparatus applied to a vehicle, where the data processing apparatus is configured to execute the above-described data processing method, and fig. 10 is a schematic structural diagram of the another payment processing apparatus applied to a vehicle provided by one or more embodiments of the present specification.

as shown in fig. 10, the data processing apparatus may have a relatively large difference due to different configurations or performances, and may include one or more processors 1001 and a memory 1002, and one or more stored applications or data may be stored in the memory 1002. Memory 1002 may be, among other things, transient storage or persistent storage. The application programs stored in memory 1002 may include one or more modules (not shown), each of which may include a series of computer-executable instructions in a data processing device. Still further, the processor 1001 may be configured to communicate with the memory 1002 to execute a series of computer-executable instructions in the memory 1002 on the data processing device. The data processing apparatus may also include one or more power supplies 1003, one or more wired or wireless network interfaces 1004, one or more input/output interfaces 10010, one or more keyboards 1006, and the like.

calling a wireless communication component to detect a wireless signal sent by a charging terminal according to a user instruction, and establishing communication connection with the charging terminal;

obtaining a payment order generated by the charging terminal through the communication connection;

determining a user terminal associated with the target vehicle according to the communication signal detected by calling the near field communication assembly;

and if the signal intensity of the communication signal of the user terminal is greater than a preset threshold value, submitting the payment order and an order payment instruction to a server.

An embodiment of a storage medium provided in this specification is as follows:

corresponding to the above-described payment processing method applied to a vehicle, based on the same technical concept, one or more embodiments of the present specification further provide a storage medium.

The storage medium provided in this embodiment is used to store computer-executable instructions, and when executed, the computer-executable instructions implement the following processes:

Another storage medium embodiment provided in this specification is as follows:

on the basis of the same technical concept, in correspondence with another payment processing method applied to a vehicle described above, one or more embodiments of the present specification further provide another storage medium.

It should be noted that the embodiment related to the storage medium in this specification and the embodiment related to the data processing method in this specification are based on the same inventive concept, and therefore, specific implementation of this embodiment may refer to implementation of the foregoing corresponding method, and repeated details are not described here.

The foregoing description has been directed to specific embodiments of this disclosure. Other embodiments are within the scope of the following claims. In some cases, the actions or steps recited in the claims may be performed in a different order than in the embodiments and still achieve desirable results. In addition, the processes depicted in the accompanying figures do not necessarily require the particular order shown, or sequential order, to achieve desirable results. In some embodiments, multitasking and parallel processing may also be possible or may be advantageous.

In the 30 s of the 20 th century, improvements in a technology could clearly be distinguished between improvements in hardware (e.g., improvements in circuit structures such as diodes, transistors, switches, etc.) and improvements in software (improvements in process flow). However, as technology advances, many of today's process flow improvements have been seen as direct improvements in hardware circuit architecture. Designers almost always obtain the corresponding hardware circuit structure by programming an improved method flow into the hardware circuit. Thus, it cannot be said that an improvement in the process flow cannot be realized by hardware physical modules. For example, a Programmable Logic Device (PLD), such as a Field Programmable Gate Array (FPGA), is an integrated circuit whose Logic functions are determined by programming the Device by a user. A digital system is "integrated" on a PLD by the designer's own programming without requiring the chip manufacturer to design and fabricate application-specific integrated circuit chips. Furthermore, nowadays, instead of manually making an Integrated Circuit chip, such Programming is often implemented by "logic compiler" software, which is similar to a software compiler used in program development and writing, but the original code before compiling is also written by a specific Programming Language, which is called Hardware Description Language (HDL), and HDL is not only one but many, such as abel (advanced Boolean Expression Language), ahdl (alternate Hardware Description Language), traffic, pl (core universal Programming Language), HDCal (jhdware Description Language), lang, Lola, HDL, laspam, hardward Description Language (vhr Description Language), vhal (Hardware Description Language), and vhigh-Language, which are currently used in most common. It will also be apparent to those skilled in the art that hardware circuitry that implements the logical method flows can be readily obtained by merely slightly programming the method flows into an integrated circuit using the hardware description languages described above.

The controller may be implemented in any suitable manner, for example, the controller may take the form of, for example, a microprocessor or processor and a computer-readable medium storing computer-readable program code (e.g., software or firmware) executable by the (micro) processor, logic gates, switches, an Application Specific Integrated Circuit (ASIC), a programmable logic controller, and an embedded microcontroller, examples of which include, but are not limited to, the following microcontrollers: the ARC625D, Atmel AT91SAM, Microchip PIC18F26K20, and Silicone Labs C8051F320, the memory controller may also be implemented as part of the control logic for the memory. Those skilled in the art will also appreciate that, in addition to implementing the controller as pure computer readable program code, the same functionality can be implemented by logically programming method steps such that the controller is in the form of logic gates, switches, application specific integrated circuits, programmable logic controllers, embedded microcontrollers and the like. Such a controller may thus be considered a hardware component, and the means included therein for performing the various functions may also be considered as a structure within the hardware component. Or even means for performing the functions may be regarded as being both a software module for performing the method and a structure within a hardware component.

The systems, devices, modules or units illustrated in the above embodiments may be implemented by a computer chip or an entity, or by a product with certain functions. One typical implementation device is a computer. In particular, the computer may be, for example, a personal computer, a laptop computer, a cellular telephone, a camera phone, a smartphone, a personal digital assistant, a media player, a navigation device, an email device, a game console, a tablet computer, a wearable device, or a combination of any of these devices.

For convenience of description, the above devices are described as being divided into various units by function, and are described separately. Of course, the functions of the units may be implemented in the same software and/or hardware or in multiple software and/or hardware when implementing the embodiments of the present description.

One skilled in the art will recognize that one or more embodiments of the present description may be provided as a method, system, or computer program product. Accordingly, one or more embodiments of the present description may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the description may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.

The description has been presented with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the description. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.

These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.

These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.

In a typical configuration, a computing device includes one or more processors (CPUs), input/output interfaces, network interfaces, and memory.

The memory may include forms of volatile memory in a computer readable medium, Random Access Memory (RAM) and/or non-volatile memory, such as Read Only Memory (ROM) or flash memory (flash RAM). Memory is an example of a computer-readable medium.

Computer-readable media, including both non-transitory and non-transitory, removable and non-removable media, may implement information storage by any method or technology. The information may be computer readable instructions, data structures, modules of a program, or other data. Examples of computer storage media include, but are not limited to, phase change memory (PRAM), Static Random Access Memory (SRAM), Dynamic Random Access Memory (DRAM), other types of Random Access Memory (RAM), Read Only Memory (ROM), Electrically Erasable Programmable Read Only Memory (EEPROM), flash memory or other memory technology, compact disc read only memory (CD-ROM), Digital Versatile Discs (DVD) or other optical storage, magnetic cassettes, magnetic disk storage or other magnetic storage devices, or any other non-transmission medium that can be used to store information that can be accessed by a computing device. As defined herein, a computer readable medium does not include a transitory computer readable medium such as a modulated data signal and a carrier wave.

It should also be noted that the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising an … …" does not exclude the presence of other like elements in a process, method, article, or apparatus that comprises the element.

One or more embodiments of the present description may be described in the general context of computer-executable instructions, such as program modules, being executed by a computer. Generally, program modules include routines, programs, objects, components, data structures, etc. that perform particular tasks or implement particular abstract data types. One or more embodiments of the specification may also be practiced in distributed computing environments where tasks are performed by remote processing devices that are linked through a communications network. In a distributed computing environment, program modules may be located in both local and remote computer storage media including memory storage devices.

The embodiments in the present specification are described in a progressive manner, and the same and similar parts among the embodiments are referred to each other, and each embodiment focuses on the differences from the other embodiments. In particular, for the system embodiment, since it is substantially similar to the method embodiment, the description is simple, and for the relevant points, reference may be made to the partial description of the method embodiment.

The above description is only an example of this document and is not intended to limit this document. Various modifications and changes may occur to those skilled in the art from this document. Any modifications, equivalents, improvements, etc. which come within the spirit and principle of the disclosure are intended to be included within the scope of the claims of this document.

Claims

1. A payment processing method applied to a vehicle, comprising:

2. The payment processing method applied to the vehicle as claimed in claim 1, after the step of receiving the request to be confirmed of the payment order of the target vehicle issued by the server is executed, further comprising:

invoking a biometric component to detect biometric information of a user;

3. The payment processing method applied to the vehicle according to claim 1, wherein the determining the user terminal associated with the target vehicle according to the communication signal detected by the calling communication component comprises:

4. The payment processing method applied to the vehicle as claimed in claim 1, wherein before the step of receiving the request to be confirmed of the payment order of the target vehicle issued by the server is executed, the method further comprises:

5. The payment processing method applied to the vehicle according to claim 4, wherein after the user terminal establishes the association relationship with the target vehicle, the user terminal encrypts a second payment public key included in the generated second payment key pair by using the first initial public key to obtain a second payment public key ciphertext and sends the second payment public key ciphertext to the target vehicle;

after receiving the first work public key ciphertext sent by the target vehicle, the user terminal decrypts the ciphertext by using a second payment private key contained in the second payment private key pair to obtain the first work public key;

6. The payment processing method applied to a vehicle according to claim 4, wherein the first initial key pair is generated after the target vehicle leaves a factory, and the first initial public key included in the first initial key pair is transmitted to the user terminal after the target vehicle leaves the factory.

7. The payment processing method applied to the vehicle according to claim 1, wherein the determining the user terminal associated with the target vehicle according to the communication signal detected by the calling communication component comprises:

8. The payment processing method applied to a vehicle according to claim 4, further comprising:

9. The payment processing method applied to a vehicle according to claim 8, wherein the user terminal performs the following operations after receiving the new work public key cryptogram:

10. The payment processing method for a vehicle according to claim 1, wherein the server performs the following payment processing after receiving the payment confirmation instruction of the request to be confirmed:

transferring out funds from the fund account associated with the target vehicle based on the payment confirmation instruction, and transferring the transferred funds to the fund account associated with the charging terminal;

and sending a payment reminder to the target vehicle and the charging terminal.

11. The payment processing method applied to the vehicle as claimed in claim 1, wherein before the step of receiving the request to be confirmed of the payment order of the target vehicle issued by the server is executed, the method further comprises:

receiving a second working public key ciphertext sent by the user terminal;

12. The payment processing method applied to a vehicle according to claim 11, wherein the user terminal transmits the second initial public key included in a second initial key pair generated in advance to the target vehicle;

after receiving the first payment public key ciphertext sent by the target vehicle, the user terminal decrypts the second initial private key contained in the second initial private key pair to obtain the first payment public key;

and encrypting the second working public key contained in the generated second working key pair by using the first payment public key, and obtaining a second working public key ciphertext to send to the user terminal.

13. The payment processing method applied to the vehicle according to claim 1, further comprising, after the step of determining the user terminal associated with the target vehicle according to the communication signal detected by the invoking communication component is executed:

14. A payment processing method applied to a vehicle, comprising:

15. The payment processing method for a vehicle according to claim 14, wherein the step of obtaining the payment order generated by the toll terminal through the communication connection is executed, and further comprises:

invoking a biometric component to detect biometric information of a user;

and if the matching degree of the biological characteristic information and the preset characteristic information of the user is greater than a preset payment threshold value, submitting the payment order and an order payment instruction to the server.

16. The payment processing method for the vehicle according to claim 14, wherein before the step of invoking the wireless communication component to detect the wireless signal transmitted from the toll terminal and establish the communication connection with the toll terminal according to the user instruction is executed, the method further comprises:

17. The payment processing method applied to the vehicle according to claim 16, wherein the user terminal encrypts a second payment public key included in the generated second payment key pair by using the first initial public key after establishing the association relationship with the target vehicle, and obtains a second payment public key cryptograph and sends the second payment public key cryptograph to the target vehicle;

18. The payment processing method applied to the vehicle according to claim 14, wherein the determining the user terminal associated with the target vehicle according to the communication signal detected by the invoking communication component comprises:

19. The payment processing method applied to the vehicle according to claim 14, further comprising, after the step of determining the user terminal associated with the target vehicle according to the communication signal detected by the calling nfc component is executed:

20. A payment processing apparatus applied to a vehicle, comprising:

the payment confirmation system comprises a receiving module, a confirmation module and a confirmation module, wherein the receiving module is configured to receive a request to be confirmed of a payment order of a target vehicle issued by a server, and the payment order is generated by a charging terminal based on a received wireless signal sent by the target vehicle through a wireless transmitting component;

a determination module configured to determine a user terminal associated with the target vehicle according to the communication signal detected by the invoking communication component;

and the sending module is configured to send a payment confirmation instruction of the request to be confirmed to the server if the signal strength of the communication signal of the user terminal is greater than a preset threshold value.

21. A payment processing apparatus applied to a vehicle, comprising:

the detection module is configured to call the wireless communication component to detect a wireless signal sent by the charging terminal according to a user instruction and establish communication connection with the charging terminal;

an acquisition module configured to acquire a payment order generated by the toll terminal through the communication connection;

a determination module configured to determine a user terminal associated with the target vehicle from the communication signal detected by invoking the near field communication component;

the submitting module is configured to submit the payment order and the order payment instruction to a server if the signal strength of the communication signal of the user terminal is greater than a preset threshold value.

22. A payment processing apparatus applied to a vehicle, comprising:

a processor; and a memory configured to store computer-executable instructions that, when executed, cause the processor to:

23. A payment processing apparatus applied to a vehicle, comprising:

24. A storage medium storing computer-executable instructions that when executed implement the following:

25. A storage medium storing computer-executable instructions that when executed implement the following: