CN114418584A

CN114418584A - Vehicle-mounted service information processing method and device and electronic equipment

Info

Publication number: CN114418584A
Application number: CN202210066398.3A
Authority: CN
Inventors: 王巨; 赵晨曦
Original assignee: Shenzhen Snowball Technology Co ltd
Current assignee: Shenzhen Snowball Technology Co ltd
Priority date: 2022-01-20
Filing date: 2022-01-20
Publication date: 2022-04-29

Abstract

The application discloses a method and a device for processing vehicle-mounted service information and electronic equipment, and relates to the technical field of information processing. The method comprises the following steps: after the two-way authentication with the vehicle-mounted end is successful, a safety channel is established with the vehicle-mounted end; after a service instruction sent by a vehicle-mounted end is received through a safety channel, whether interface information to be verified is generated or not is confirmed based on service data carried by the service instruction; if the interface information to be verified is generated, displaying the interface information to be verified, and sending corresponding reply information to the vehicle-mounted terminal when a reply instruction of the interface information to be verified is received; and if the interface information to be verified does not need to be generated, directly generating a confirmation instruction and sending the confirmation instruction to the vehicle-mounted end through the safety channel. Therefore, the method and the device have the advantages of being safe, convenient and fast, and improving the use experience of the user.

Description

Vehicle-mounted service information processing method and device and electronic equipment

Technical Field

The present application relates to the technical field of information processing, and in particular, to a method and an apparatus for processing vehicle-mounted service information, and an electronic device.

Background

With the improvement of the intelligent level of the automobile, the business functions carried by the central control in the automobile are gradually increased. Such as a digital car key: the automobile and the information thereof are loaded to a mobile phone or other mobile equipment of a user, and the user controls the automobile to execute operations such as opening an automobile door and starting an engine through communication means such as NFC. In addition, in-vehicle payment service functions are also gradually emerging, such as purchasing music packages in a car, paying charging fees, and the like.

At present, when the vehicle-mounted terminal processes the service information, the pre-configuration process is relatively complex. When a car owner borrows the car for other people to use, the account of a corresponding user needs to be associated in the car in advance or the account needs to be replaced in addition, otherwise, the pre-bound account is easy to be consumed by other people; or when the user pays for the service, the user needs to scan the two-dimensional code displayed on the control screen in the vehicle through the mobile equipment to execute payment operation. The above method is usually complicated and has low safety, which brings inconvenience to users or car owners.

Disclosure of Invention

The application aims to provide a processing method and device of vehicle-mounted service information, electronic equipment and a storage medium, so that the convenience of vehicle-mounted service operation is improved, the safety is enhanced, and the use experience of a user is improved.

The embodiment of the application is realized as follows:

a first aspect of an embodiment of the present application provides a method for processing vehicle-mounted service information, where the method is applied to a mobile terminal, and the method includes: after the two-way authentication with the vehicle-mounted end is successful, a safety channel is established with the vehicle-mounted end; after a service instruction sent by a vehicle-mounted end is received through a safety channel, whether interface information to be verified is generated or not is confirmed based on service data carried by the service instruction; if the interface information to be verified is generated, displaying the interface information to be verified, and sending corresponding reply information to the vehicle-mounted terminal when a reply instruction of the interface information to be verified is received; and if the interface information to be verified does not need to be generated, directly generating a confirmation instruction and sending the confirmation instruction to the vehicle-mounted end through the safety channel.

In an embodiment, determining whether to generate interface information to be verified based on service data carried by a service instruction includes: confirming whether the payment amount exceeds a preset payment threshold value or not based on the payment amount included in the service data; and confirming whether to generate the interface information to be verified according to whether the payment amount exceeds a preset payment threshold value.

In an embodiment, determining whether to generate interface information to be verified according to whether the payment amount exceeds a preset payment threshold includes: if the payment threshold exceeds the preset payment threshold, generating interface information to be verified; if the payment threshold value is not exceeded, interface information to be verified does not need to be generated.

In an embodiment, after determining whether to generate interface information to be verified based on service data carried by a service instruction, the method further includes: and if the interface information to be verified is generated, sending a command to be verified to the vehicle-mounted end, so that the vehicle-mounted end continuously sends the latest service command at a preset frequency until the reply information is received.

In one embodiment, when a reply instruction of interface information to be verified is received, sending corresponding reply information to a vehicle-mounted terminal includes: and if the reply instruction is verified to be passed, generating reply information based on the service data carried by the service instruction, marking the reply information as passed, and sending the marked reply information to the vehicle-mounted terminal.

In an embodiment, after the secure tunnel is created with the vehicle-mounted terminal, the method further includes: and based on the received default payment instruction, associating the digital key program with the payment program corresponding to the default payment instruction through the called interface.

In an embodiment, before determining whether to generate interface information to be verified based on service data carried by a service instruction, the method further includes: and decrypting the service instruction through the digital key program so that the payment program obtains the service data carried by the service instruction through the interface.

The second aspect of the embodiment of the present application provides a device for processing vehicle-mounted service information, where the device includes a creating module, a confirming module, a display module, and a generating module. The establishing module is used for establishing a safety channel with the vehicle-mounted end after the bidirectional authentication with the vehicle-mounted end is successful; the confirmation module is used for confirming whether to generate interface information to be verified based on service data carried by the service instruction after receiving the service instruction sent by the vehicle-mounted end through the safety channel; the display module is used for displaying the interface information to be verified if the interface information to be verified is generated, and sending corresponding reply information to the vehicle-mounted terminal when a reply instruction of the interface information to be verified is received; the generating module is used for directly generating a confirmation instruction and sending the confirmation instruction to the vehicle-mounted end through the safety channel if the interface information to be verified does not need to be generated.

In one embodiment, the confirmation module is further configured to: confirming whether the payment amount exceeds a preset payment threshold value or not based on the payment amount included in the service data; and confirming whether to generate the interface information to be verified according to whether the payment amount exceeds a preset payment threshold value.

In one embodiment, the confirmation module is further configured to: if the payment threshold exceeds the preset payment threshold, generating interface information to be verified; if the payment threshold value is not exceeded, interface information to be verified does not need to be generated.

In an embodiment, the apparatus for processing vehicle-mounted service information further includes: and the sending module is used for sending a to-be-verified instruction to the vehicle-mounted end if the to-be-verified interface information is generated, so that the vehicle-mounted end continuously sends the latest service instruction at a preset frequency until the reply information is received.

In one embodiment, the display module is further configured to: and if the reply instruction is verified to be passed, generating reply information based on the service data carried by the service instruction, marking the reply information as passed, and sending the marked reply information to the vehicle-mounted terminal.

In an embodiment, the apparatus for processing vehicle-mounted service information further includes: and the association module is used for associating the digital key program with the payment program corresponding to the default payment instruction through the called interface based on the received default payment instruction.

In an embodiment, the device for processing the vehicle-mounted service information further comprises a decryption module, configured to decrypt the service instruction through a digital key program, so that the payment program obtains service data carried by the service instruction through the interface.

A third aspect of the embodiments of the present application provides an electronic device, including: a processor and a memory for storing processor-executable instructions; the processor is configured to execute the method for processing the vehicle-mounted service information according to the first aspect of the embodiments and any embodiment of the embodiments of the present application.

A fourth aspect of embodiments of the present application provides a computer-readable storage medium having a computer program stored thereon. The computer program can be executed by a processor to complete the method for processing the vehicle-mounted service information according to the first aspect and any embodiment of the present application.

Compared with the prior art, the beneficial effect of this application is:

the method and the device can solve the problems that the steps are complicated and the safety is poor when the user pays for the vehicle-mounted service due to different automobile users. According to the method, after the user and the automobile are successfully authenticated in the two-way mode, the safety channel for service information transmission is established, and the analysis and corresponding processing are performed after the service information is received, so that the operation that the user can directly match the vehicle-mounted service with the user information through the digital key is realized. The use process of the user is convenient and safe, and the use experience of the user is improved.

Drawings

In order to more clearly illustrate the technical solutions of the embodiments of the present application, the drawings that are required to be used in the embodiments will be briefly described below, it should be understood that the following drawings only illustrate some embodiments of the present application and therefore should not be considered as limiting the scope, and for those skilled in the art, other related drawings can be obtained from the drawings without inventive effort.

Fig. 1 is a schematic view of an application scenario of a method for processing vehicle-mounted service information according to an embodiment of the present application;

fig. 2 is a schematic structural diagram of an electronic device according to an embodiment of the present application;

fig. 3 is a schematic flowchart of a processing method of vehicle-mounted service information according to an embodiment of the present application;

fig. 4 is a schematic flowchart of a processing method of vehicle-mounted service information according to an embodiment of the present application;

fig. 5 is a schematic structural diagram of a device for processing vehicle-mounted service information according to an embodiment of the present application.

Reference numerals: 1-an electronic device; 100-mobile terminal; a 110-eSE secure chip; 120-a user display interface; 10-a memory; 11-a bus; 12-a processor; 200-a vehicle-mounted end; 210-an in-vehicle system; 300-a service end; 400-a server; 600-a processing device for vehicle-mounted service information; 610-a creation module; 620-confirmation module; 630-a display module; 640-a generation module; 650-a sending module; 660 — an association module; 670-decryption module.

Detailed Description

The technical solutions in the embodiments of the present application will be described below with reference to the drawings in the embodiments of the present application.

Like reference numbers and letters refer to like items in the following figures, and thus, once an item is defined in one figure, it need not be further defined and explained in subsequent figures. Meanwhile, in the description of the present application, the terms "first", "second", and the like are used only for distinguishing the description, and are not to be construed as indicating or implying relative importance.

The technical solution of the present application will be clearly and completely described below with reference to the accompanying drawings.

Referring to fig. 1, fig. 1 is a schematic view of an application scenario of a method for processing vehicle-mounted service information according to an embodiment of the present application. As shown in fig. 1, the application scenario includes a mobile terminal 100, a vehicle terminal 200, a service terminal 300, and a service terminal 400. The mobile terminal 100 may be a personal computer, a tablet computer, a smart phone, etc. The service 300 or the service 400 may be a server or a server cluster. In this application, the mobile terminal 100 may execute the processing method of the vehicle-mounted service information provided in this application embodiment and acquire data from the vehicle-mounted terminal 200, and for convenience of description, this application embodiment takes the mobile terminal 100 as an execution subject for description.

In the application scenario of the present application, the eSE security chip 110 is installed in the user mobile terminal 100, so that the digital key program loaded by the chip establishes a bidirectional authentication relationship with the vehicle-mounted terminal 200 and establishes a safe channel for service information transmission after the vehicle door is opened, when a user orders a certain service through the central control display screen of the vehicle-mounted system 210 in the vehicle, the vehicle-mounted terminal 200 requests the service terminal 300 to respond to the relevant data based on the service ordered by the user, and after acquiring the corresponding data, encrypt and send the related service data to the mobile terminal 100 held by the user, after the payment program acquires the service data decrypted by the digital key program through the interface, further judging the service data, confirming whether the user is required to further verify the service data at the mobile terminal 100, then, the mobile terminal 100 sends the reply message to the vehicle-mounted terminal 200, so that the service terminal 300 deducts money through the service terminal 400 based on the reply data sent by the vehicle-mounted terminal 200.

Referring to fig. 2, fig. 2 is a schematic structural diagram of an electronic device 1 according to an embodiment of the present disclosure, where the electronic device 1 may be used as the mobile terminal 100, the vehicle-mounted terminal 200, the service terminal 300, and the service terminal 400. As shown in fig. 2, the electronic device 1 comprises at least one processor 12 and a memory 10, wherein one processor 12 is taken as an example in fig. 2. The processor 12 and the memory 10 are connected by a bus 11, and the memory 10 stores instructions executable by the at least one processor 12, and the instructions are executed by the at least one processor 12 to cause the at least one processor 12 to execute a processing method of the vehicle-mounted service information as in the following embodiments.

Referring to fig. 3, fig. 3 is a schematic flow chart of a processing method of vehicle-mounted service information according to an embodiment of the present application. As shown in fig. 3, the method includes:

s410: after the mutual authentication with the vehicle-mounted terminal 200 is successful, a secure channel is created with the vehicle-mounted terminal 200.

In this step, the mobile terminal 100 held by the user performs mutual authentication with the vehicle-mounted terminal 200 through the digital key program in the mobile terminal 100 to open the vehicle door or start the engine, and at this time, the digital key program in the mobile terminal 100 and the vehicle-mounted system 210 of the vehicle-mounted terminal 200 establish a secure channel for the subsequent user to transmit service data between the vehicle-mounted terminal 200 and the mobile terminal 100 when using a certain service of the vehicle-mounted terminal 200 in the vehicle.

S420: after receiving the service instruction sent by the vehicle-mounted terminal 200 through the secure channel, whether to generate interface information to be verified is determined based on service data carried by the service instruction.

When a user clicks a certain service on a central control display screen carried by the vehicle-mounted terminal 200, the vehicle-mounted terminal 200 automatically generates related service information, or requests the service terminal 300 to acquire service related data through a network. The vehicle-mounted terminal 200 encrypts the service data based on the service data that has been automatically generated or acquired to obtain a service instruction, and sends the service instruction to the mobile terminal 100 through the secure channel. The mobile terminal 100 receives the service instruction to decrypt, and determines whether to generate interface information to be verified based on the service data obtained by decryption, where the interface information to be verified is information that needs to be correspondingly determined by the user on the user display interface of the mobile terminal 100.

S430, if the interface information to be verified is generated, displaying the interface information to be verified, and sending the corresponding reply information to the vehicle-mounted end 200 when a reply instruction of the interface information to be verified is received.

After the mobile terminal 100 generates the interface information to be verified based on the service data, the interface information to be verified is displayed on the user display interface 120. After the user clicks or inputs the reply instruction corresponding to the information to be verified on the user display interface 120, the mobile terminal 100 encrypts the reply information corresponding to the reply instruction and sends the encrypted reply information to the vehicle-mounted terminal 200 through the secure channel.

And S440, if the interface information to be verified does not need to be generated, directly generating a confirmation instruction and sending the confirmation instruction to the vehicle-mounted end 200 through the safety channel.

The mobile terminal 100 confirms that interface information to be verified does not need to be generated based on the service data, directly generates a default confirmation instruction, encrypts the default confirmation instruction, and sends the encrypted confirmation instruction to the vehicle-mounted terminal 200 through the secure channel, so that the vehicle-mounted terminal 200 sends information carried by the confirmation instruction to the service terminal 300 after decrypting based on the confirmation instruction, and service required by a user is completed.

Referring to fig. 4, fig. 4 is a schematic flowchart of a processing method of vehicle-mounted service information according to an embodiment of the present application. As shown in fig. 4, the method for processing the vehicle-mounted service information includes:

and S510, after the mutual authentication with the vehicle-mounted end 200 is successful, a safe channel is established with the vehicle-mounted end 200.

In one embodiment, the mobile terminal 100 held by the user opens a car door or starts an engine based on a digital key program stored in the built-in eSE security chip 110, and the user connects to the vehicle to implement the car service in the following embodiments. The vehicle-mounted terminal 200 and the mobile terminal 100 where the digital key is located complete bidirectional authentication, and a secure channel is established for a user to transmit service data between the vehicle-mounted terminal 200 and the mobile terminal 100 when the user uses a certain service in the vehicle.

The digital key refers to related data stored in the eSE security chip 110 in the mobile terminal 100 such as a mobile phone or a wearable device, so that the mobile terminal 100 and the vehicle-mounted terminal 200 complete mutual authentication and subsequent service services through a digital key program, where the digital key includes information of vehicle authentication of the key, for example: identification of the vehicle, identification of the key, authenticated key information (which may be symmetric, asymmetric algorithms), and the like. When the user opens the door using the digital key program, the mobile terminal 100 and the vehicle-mounted terminal 200 perform mutual authentication and establish a secure channel. The communication mode of the digital key includes, but is not limited to BLE (bluetooth communication) or NFC (near field communication). If the communication mode is NFC, the connection between the mobile terminal 100 and the vehicle-mounted terminal 200 is reset after the user opens the door, and the vehicle-mounted system 210 further needs an NFC Reader (NFC virtual card Reader), so that when the user needs to provide the vehicle-mounted service again by the vehicle-mounted terminal 200, the mobile terminal 100 is placed on the NFC Reader (NFC virtual card Reader) to be connected with the vehicle-mounted terminal 200 again. If the bluetooth communication is used, the connection between the mobile terminal 100 and the vehicle terminal 200 may be maintained at all times.

The Digital Key pairing may be referenced to a published specification such as the CCC Digital Key specification or other specification of a vehicle-to-enterprise proprietary standard. The requirements of the present application for pairing digital keys are: conditions can be provided for establishing a secure channel, and related functions such as subsequent forwarding of service information can be realized through a digital key program.

And S520, associating the digital key program with the payment program corresponding to the default payment instruction through the called interface based on the received default payment instruction.

After the mobile terminal 100 held by the user is bidirectionally authenticated with the vehicle-mounted terminal 200 through the digital key program, the vehicle-mounted terminal 200 directly provides the service to the corresponding user based on the stored authentication information, and correctly deducts the fee for the user information when the service is a payment item, which requires that the mobile terminal 100 is configured in advance so that the payment program in the mobile terminal 100 is associated with the digital key program through a called interface.

The default payment instruction is information generated after the mobile terminal 100 and the in-vehicle terminal 200 complete mutual authentication and a user selects a default payment program on the user display interface 120 in advance. The eSE secure chip 110 stores the specific payment information carried by the default payment instruction after receiving the payment information, and uses the stored payment information as a payment example when the user pays by using the vehicle-mounted service. The payment example can be used as a default payment mode when the user does not need to verify the service information again, and can also be used as a default payment mode when the user needs to verify the service information, the process is called a process of payment program personalized configuration, and the personalized process is basically consistent with a binding process of a common payment program.

The user may also temporarily not select a default payment method for the user to verify the service information, the eSE secure chip 110 in the mobile terminal 100 stores AIDs (application identifiers) of a plurality of associated payment programs in advance, and when the user needs to verify the service information for the actual payment, the AIDs are displayed on the user display interface 120, and then the user selects a specific application program.

The applications stored in the mobile terminal 100 can communicate information by sharing the interface object, and since the suppliers of the payment program and the digital key program are not generally the same business entity, the business entities to which they belong are required to achieve a cooperative relationship. If the payment program needs to be authenticated, the required authentication information needs to be configured into the application instance corresponding to the digital key program through an APDU (application protocol data unit), the digital key program needs to perform an authentication process before calling a payment program interface, and the authentication process uses a symmetric key system or an asymmetric key system, or other customized authentication methods.

In order to realize the process, the vehicle-mounted application needs to be configured in advance, interfaces called among different programs are provided on the basis of the existing payment program, and the specific interfaces are kept consistent with the non-contact functions of the related programs, so that vehicle-mounted non-inductive payment can be realized under the condition that the transaction logic of the payment program is not changed. In addition, the mobile terminal 100 needs to increase the capability of the digital key program to pass through (or to be called forward) the service information APDU (application protocol data unit) in the secure channel in advance for transmitting the service data. The vehicle-mounted terminal 200 and the service terminal 300 need to implement transaction logic of the payment program together to adapt different payment logic for different payment programs of the mobile terminal 100, such as: implementing PBOC transaction logic, pay for pal program transaction logic, etc.

After the configuration and the association are completed, the vehicle-mounted terminal 200 may provide the service to the corresponding user through the configured vehicle-mounted application, and the vehicle-mounted application includes a digital key program and a payment program, so that the user pays for the corresponding service when using the corresponding vehicle.

And S530, after receiving the service instruction sent by the vehicle-mounted terminal 200, decrypting the service instruction through the digital key program so that the payment program obtains the service data carried by the service instruction through the interface.

After the mobile terminal 100 and the vehicle-mounted terminal 200 complete authentication and establish a secure channel, when a user orders a certain service on a central control use interface carried by the vehicle-mounted terminal 200, the vehicle-mounted terminal 200 may generate corresponding service data based on self-stored information; or after requesting the service end 300 to respond to the relevant service order information of the user (the service end 300 may also need to apply for payment data to the relevant service end 400 and then send the payment data to the vehicle-mounted end 200), the relevant service response data may be received. After encrypting and converting the service data into a service command in an APDU (application protocol data unit) mode, the vehicle-mounted terminal 200 sends the service command to the digital key program loaded by the mobile terminal 100 through the secure channel, and the digital key program decrypts the service command to obtain the service data carried by the service command and forwards the service data to the payment program through the interface.

In an embodiment, when the vehicle-mounted terminal 200 receives the order placing instruction, it may determine whether to perform a fee deduction operation of the service to the mobile terminal 100 based on a preset security policy of the vehicle-mounted terminal 200. The security policy can be configured as a distance security policy according to the requirements of the user, such as: according to the positioning technology in the vehicle, such as the UWB (ultra wide band communication) technology, the BLE (bluetooth) technology, the NFC (near field communication) technology or the GPS positioning, the vehicle-mounted terminal 200 presets that the mobile terminal 100 where the current digital key is located can initiate payment only when the distance in the vehicle or between the mobile terminal 100 and the vehicle-mounted terminal 200 is smaller than a preset distance threshold, otherwise, payment is not made, so as to realize the non-inductive payment of the near-distance user.

And S540, confirming whether to generate the interface information to be verified based on the service data carried by the service instruction.

The mobile terminal 100 may also pre-configure the payment security policy according to the requirement of the user, for example, a payment threshold is pre-set, when the payment amount included in the service data received by the payment program is lower than the payment threshold, the imperceptible payment may be performed without re-verification or confirmation by the user, and when the payment amount is higher than the payment threshold, the user is required to perform re-confirmation or verification of the related identity information on the user display interface 120 of the mobile terminal 100.

In the step, after the payment program obtains the service data carried by the service instruction, the payment program judges based on the service payment amount included in the service data to determine whether the service payment amount exceeds a preset payment threshold value; and then, according to whether the service payment amount exceeds a preset payment threshold value, whether to generate interface information to be verified is confirmed. The method specifically comprises the following steps: if the payment amount exceeds the preset payment threshold, generating interface information to be verified for the user to subsequently confirm the payment information or verify the user identity on the user display interface 120 corresponding to the mobile terminal 100; if the payment amount does not exceed the preset payment threshold, the mobile terminal 100 payment program does not need to generate interface information to be verified.

And S550, if the interface information to be verified is generated, displaying the interface information to be verified, and sending a command to be verified to the vehicle-mounted end 200, so that the vehicle-mounted end 200 continuously sends the latest service command at a preset frequency until the reply information is received.

If the service payment amount exceeds the preset payment threshold, the payment program needs to generate interface information to be verified (for example, HCI-human machine interaction information) to be displayed on the user display interface 120 of the mobile terminal 100 for the user to confirm the payment information or verify the user information. The payment program may return a message to be confirmed by the user to the digital key program as a to-be-verified instruction, and the message is forwarded to the vehicle-mounted terminal 200 by the digital key program, after receiving the to-be-verified instruction, the vehicle-mounted terminal 200 regularly and continuously sends the latest service instruction to the digital key program of the mobile terminal 100 at a preset frequency, and the automatic sending is stopped until receiving the corresponding reply message.

And S551, if the interface information to be verified does not need to be generated, directly generating a confirmation instruction and sending the confirmation instruction to the vehicle-mounted end 200 through the safety channel.

If the payment amount does not exceed the preset payment threshold, the payment program of the mobile terminal 100 does not need to generate interface information to be verified, the payment program directly generates a corresponding confirmation instruction based on the stored service data, and the confirmation instruction may include the account information of the user, the payment mode, the service name, the payment amount, the direct payment permission, and other relevant data for deducting the fee of the service. The payment program sends the confirmation instruction to the digital key program through the interface, so that the digital key program is sent to the service system of the vehicle-mounted end 200 after being encrypted based on the confirmation instruction, is sent to the corresponding service end 300 through the network interface after being decrypted by the service system of the vehicle-mounted end 200, and the service end 300 is connected with the corresponding service end 400 payment channel to carry out fee deduction operation on related service for the user.

And S560, if the reply instruction is verified, generating reply information based on the service data carried by the service instruction and marking the reply information as passed, and sending the marked reply information to the vehicle-mounted terminal 200.

If the user confirms on the user display interface 120 of the mobile terminal 100 that payment is available or the user information is verified to pass, the payment program generates a reply message based on the verification or confirmation message and the service data carried by the service instruction, where the reply message includes the relevant data of fee deduction for the service and the identification data of fee deduction permission for the user, that is, the reply message is a reply message marked to pass. The identification data is associated with the transaction amount and the transaction counter, and corresponding security mechanisms are arranged in the mobile terminal 100 and the vehicle-mounted terminal 200 to prevent malicious operations such as tampering, embezzlement and the like.

The payment program sends the reply information to the digital key program through the interface, so that the digital key program is sent to the service system of the vehicle-mounted terminal 200 after being encrypted based on the reply information, is sent to the corresponding service terminal 300 through the network interface after being decrypted by the vehicle-mounted terminal 200 system, is connected with the corresponding service terminal 400 payment channel through the service terminal 300, and executes fee deduction operation of related service for the user.

After the fee deduction operation is completed, the vehicle-mounted terminal 200 and the mobile terminal 100 receive the response message to confirm that the service transaction processing is completed, and the corresponding user allowed fee deduction related identification data needs to be cleared.

And S561, if the reply instruction is not verified, generating reply information based on the service data carried by the service instruction and marking the reply information as not passed, and sending the marked reply information to the vehicle-mounted end 200.

If the user refuses to pay on the user display interface 120 of the mobile terminal 100, or the user information is not verified to be passed, the payment program generates a reply message based on the above-mentioned information and the service data carried by the service instruction, where the reply message includes the relevant data of fee deduction for the service to the user and the identification data of fee deduction refusal, that is, the reply message is a reply message marked to be failed.

The payment program sends the reply information to the digital key program through the interface, so that the digital key program is sent to the service system of the vehicle-mounted end 200 after being encrypted based on the reply information, generates information prompting fee deduction failure based on the failed reply information after being decrypted by the service system of the vehicle-mounted end 200, and displays the information on a central control use interface of the vehicle-mounted end 200 to prompt a user of fee deduction failure. The vehicle-mounted terminal 200 can also directly send the failed reply message to the service terminal 300, and the service terminal confirms to terminate the service and the related fee deduction operation.

The above embodiments all implement secure payment for business services based on the eSE secure chip 110. In other embodiments of the present application, a TEE (trusted execution environment) may be used to execute a processing method of vehicle-mounted service information, and communication between different TAs (trusted applications) running in the TEE (trusted execution environment) is implemented by the TAs (trusted applications). The interface between the associated digital key program and the payment program in the above embodiment is used to transmit data, and may be replaced by forwarding of an upper layer application program.

In the embodiment of the application, the owner can pay the service ordered by the user at the vehicle-mounted end 200 without inputting the payment information of the user at the vehicle-mounted end 200 in advance, the digital key and the vehicle-mounted end 200 are subjected to bidirectional authentication, a safety channel is established, and the safety is very high; the method and the device can realize the non-inductive payment through the distance security policy of the vehicle-mounted terminal 200 and the payment security policy of the mobile terminal; after the vehicle is used by another person, the business service fee deduction operation corresponds to the account fund of the current user, the fund of other associated accounts can not be deducted, the risk of wrong deduction is avoided, and the user can be reminded to confirm when the payment amount exceeds a preset threshold value; the mobile terminal 100, such as a user's mobile phone (wearable device), can perform the above operations without networking. In the embodiment of the application, the user uses the mobile terminal to carry out convenient and safe payment on the vehicle-mounted service, and the use experience of the user is improved.

Referring to fig. 5, fig. 5 is a schematic structural diagram of a device 600 for processing vehicle-mounted service information according to an embodiment of the present application. As shown in fig. 5, the apparatus includes: a creation module 610, a confirmation module 620, a display module 630, and a generation module 640.

The creating module 610 is configured to create a secure channel with the vehicle-mounted terminal 200 after the bidirectional authentication with the vehicle-mounted terminal 200 is successful; the confirmation module 620 is configured to, after receiving a service instruction sent by the vehicle-mounted terminal 200 through the secure channel, confirm whether to generate interface information to be verified based on service data carried by the service instruction; the display module 630 is configured to display the interface information to be verified if the interface information to be verified is generated, and send corresponding reply information to the vehicle-mounted terminal 200 when a reply instruction of the interface information to be verified is received; the generating module 640 is configured to directly generate a confirmation instruction and send the confirmation instruction to the vehicle-mounted terminal 200 through the secure channel if the interface information to be verified does not need to be generated.

The confirmation module 620 is further configured to: confirming whether the payment amount exceeds a preset payment threshold value or not based on the payment amount included in the service data; and confirming whether to generate the interface information to be verified according to whether the payment amount exceeds a preset payment threshold value.

The confirmation module 620 is further configured to: if the payment threshold exceeds the preset payment threshold, generating interface information to be verified; if the payment threshold value is not exceeded, interface information to be verified does not need to be generated.

The processing apparatus 600 for vehicle-mounted service information further includes: the sending module 650 is configured to send a to-be-verified instruction to the vehicle-mounted terminal 200 if the to-be-verified interface information is generated, so that the vehicle-mounted terminal 200 continuously sends the latest service instruction at a preset frequency until the reply information is received.

The display module 630 is further configured to: if the reply instruction is verified, reply information is generated based on the service data carried by the service instruction and marked as passed, and the marked reply information is sent to the vehicle-mounted terminal 200.

The processing apparatus 600 for vehicle-mounted service information further includes: and the associating module 660 is configured to associate the digital key program with the payment program corresponding to the default payment instruction through the called interface based on the received default payment instruction.

The device 600 for processing vehicle-mounted service information further comprises a decryption module 670, configured to decrypt the service instruction through the digital key program, so that the payment program obtains the service data carried by the service instruction through the interface.

The implementation processes of the functions and actions of each module in the device are specifically described in the implementation processes of corresponding steps in the processing method of the vehicle-mounted service information, and are not described herein again.

In the embodiments provided in the present application, the disclosed apparatus and method can be implemented in other ways. The apparatus embodiments described above are merely illustrative, and for example, the flowchart and block diagrams in the figures illustrate the architecture, functionality, and operation of possible implementations of apparatus, methods and computer program products according to various embodiments of the present application. In this regard, each block in the flowchart or block diagrams may represent a module, segment, or portion of code, which comprises one or more executable instructions for implementing the specified logical function(s). In some alternative implementations, the functions noted in the block may occur out of the order noted in the figures. For example, two blocks shown in succession may, in fact, be executed substantially concurrently, or the blocks may sometimes be executed in the reverse order, depending upon the functionality involved. It will also be noted that each block of the block diagrams and/or flowchart illustration, and combinations of blocks in the block diagrams and/or flowchart illustration, can be implemented by special purpose hardware-based systems which perform the specified functions or acts, or combinations of special purpose hardware and computer instructions.

In addition, functional modules in the embodiments of the present application may be integrated together to form an independent part, or each module may exist separately, or two or more modules may be integrated to form an independent part.

An embodiment of the application provides a computer-readable storage medium, and a computer program is stored in the storage medium. The computer program may be executed by the processor 12 to perform the method of processing the in-vehicle service information.

The functions, if implemented in the form of software functional modules and sold or used as a stand-alone product, may be stored in a computer readable storage medium. Based on such understanding, the technical solution of the present application or portions thereof that substantially contribute to the prior art may be embodied in the form of a software product stored in a storage medium and including instructions for causing a computer device (which may be a personal computer, a server, or a network device) to execute all or part of the steps of the method according to the embodiments of the present application. And the aforementioned storage medium includes: a U disk, a removable hard disk, a Read-Only Memory (ROM) 10, a Random Access Memory (RAM) 10, a magnetic disk or an optical disk, and other various media capable of storing program codes.

The above description is only a preferred embodiment of the present application and is not intended to limit the present application, and various modifications and changes may be made by those skilled in the art. Any modification, equivalent replacement, improvement and the like made within the spirit and principle of the present application shall be included in the protection scope of the present application.

Claims

1. A method for processing vehicle-mounted service information is applied to a mobile terminal, and the method comprises the following steps:

after the two-way authentication with the vehicle-mounted end is successful, a safety channel is established with the vehicle-mounted end;

after a service instruction sent by the vehicle-mounted end is received through the safety channel, whether interface information to be verified is generated or not is confirmed based on service data carried by the service instruction;

if the interface information to be verified is generated, displaying the interface information to be verified, and sending corresponding reply information to the vehicle-mounted terminal when a reply instruction to the interface information to be verified is received;

and if the interface information to be verified does not need to be generated, directly generating a confirmation instruction and sending the confirmation instruction to the vehicle-mounted end through the safety channel.

2. The method according to claim 1, wherein the determining whether to generate interface information to be verified based on the service data carried by the service instruction comprises:

confirming whether the payment amount exceeds a preset payment threshold value or not based on the payment amount included in the service data;

and confirming whether to generate interface information to be verified according to whether the payment amount exceeds a preset payment threshold value.

3. The method according to claim 2, wherein the confirming whether to generate interface information to be verified according to whether the payment amount exceeds a preset payment threshold value comprises:

if the payment threshold exceeds the preset payment threshold, generating the interface information to be verified;

and if the preset payment threshold value is not exceeded, the interface information to be verified does not need to be generated.

4. The method according to claim 1, wherein after the determining whether to generate the interface information to be verified based on the service data carried by the service instruction, the method further comprises:

and if the interface information to be verified is generated, sending a command to be verified to the vehicle-mounted end, so that the vehicle-mounted end continuously sends the latest service command at a preset frequency until the reply information is received.

5. The method according to claim 1, wherein when a reply instruction to the interface information to be verified is received, sending corresponding reply information to the vehicle-mounted terminal includes:

and if the reply instruction is verified to be passed, generating reply information based on the service data carried by the service instruction, marking the reply information as passed, and sending the marked reply information to the vehicle-mounted end.

6. The method of claim 1, wherein after said creating a secure tunnel with the vehicle end, the method further comprises:

and based on the received default payment instruction, associating the digital key program with the payment program corresponding to the default payment instruction through the called interface.

7. The method according to claim 6, before the determining whether to generate the interface information to be verified based on the service data carried by the service instruction, further comprising:

and decrypting the service instruction through the digital key program so that the payment program obtains service data carried by the service instruction through an interface.

8. An apparatus for processing vehicle-mounted service information, the apparatus comprising:

the establishing module is used for establishing a safety channel with the vehicle-mounted end after the bidirectional authentication with the vehicle-mounted end is successful;

the confirmation module is used for confirming whether to generate interface information to be verified based on the service data carried by the service instruction after receiving the service instruction sent by the vehicle-mounted end through the safety channel;

the display module is used for displaying the interface information to be verified if the interface information to be verified is generated, and sending corresponding reply information to the vehicle-mounted terminal when a reply instruction to the interface information to be verified is received;

and the generating module is used for directly generating a confirmation instruction and sending the confirmation instruction to the vehicle-mounted end through the safety channel if the interface information to be verified does not need to be generated.

9. An electronic device, characterized in that the electronic device comprises:

a processor;

a memory for storing processor-executable instructions;

wherein the processor is configured to execute the processing method of the vehicle-mounted service information of any one of claims 1 to 7.

10. A computer-readable storage medium, characterized in that the storage medium stores a computer program executable by a processor to perform the method of processing the in-vehicle service information according to any one of claims 1 to 7.