CN114819952A - Vehicle-mounted payment method, device and system based on digital currency - Google Patents

Vehicle-mounted payment method, device and system based on digital currency Download PDF

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Publication number
CN114819952A
CN114819952A CN202210234506.3A CN202210234506A CN114819952A CN 114819952 A CN114819952 A CN 114819952A CN 202210234506 A CN202210234506 A CN 202210234506A CN 114819952 A CN114819952 A CN 114819952A
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Prior art keywords
payment
vehicle
digital currency
order information
terminal
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Inventor
狄刚
穆长春
郭建昌
崔沛东
赵新宇
于鹏
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Digital Currency Institute of the Peoples Bank of China
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Digital Currency Institute of the Peoples Bank of China
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Priority to CN202210234506.3A priority Critical patent/CN114819952A/en
Publication of CN114819952A publication Critical patent/CN114819952A/en
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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
    • G06Q20/367—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/04—Payment circuits
    • G06Q20/06—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
    • G06Q20/065—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme using e-cash
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/325—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3821—Electronic credentials
    • G06Q20/38215—Use of certificates or encrypted proofs of transaction rights
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification

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  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Finance (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Computer Security & Cryptography (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

The invention discloses a vehicle-mounted payment method, device and system based on digital currency, and relates to the technical field of computers. One embodiment of the method comprises: establishing communication connection with a business user terminal through wireless communication; sending shopping information to a merchant terminal to enable the merchant terminal to generate order information, wherein the order information comprises the amount to be paid and a money collection wallet mark; receiving order information sent by the merchant terminal and requesting user authorization; responding to an authorization instruction of a user, and generating a digital currency encryption character string according to the amount to be paid; and sending the digital currency encryption character string to the merchant terminal according to the collection wallet identifier to finish vehicle-mounted payment. According to the implementation mode, the vehicle-mounted short-distance payment mode based on the digital currency is realized, the payment mode does not need to pass through a third-party platform, the safety of funds and payment is guaranteed, and the experience feeling of a user and the safety, the high efficiency and the convenience of transaction are improved.

Description

Vehicle-mounted payment method, device and system based on digital currency
Technical Field
The invention relates to the technical field of digital currency, in particular to a vehicle-mounted payment method, device and system based on digital currency.
Background
With the development of internet informatization, the transaction payment of commodities goes through three development stages of physical payment, credit payment and electronic payment, and the corresponding currency form also has new revolution, and by taking the third party payment which is developed rapidly at present as an example, the proportion of the transaction payment activities is larger and larger due to the rise of E-commerce and the convenience of use.
In the process of implementing the invention, the inventor finds that the following problems exist in the prior art:
in the third-party payment mode, bank card information of a payer is directly exposed to a third-party payment platform, if the credit or the security of the platform is not high, certain fund security problems and payment risk problems can be caused, and the payment equipment can perform transaction only on line, and cannot perform transaction under the condition that a network is busy, a weak network or no network exists, so that the user experience is not good, and the transaction efficiency is also influenced.
Disclosure of Invention
In view of this, embodiments of the present invention provide a method, an apparatus, and a system for vehicle-mounted payment based on digital money, which implement a wireless connection established between a payment vehicle end and a merchant end, perform authorized payment through received order information, and send a digital money encrypted character string generated by the authorized payment to a payee end.
To achieve the object, according to an aspect of an embodiment of the present invention, there is provided a method for digital currency-based in-vehicle payment, including:
establishing communication connection with a business user terminal through wireless communication;
sending shopping information to a merchant terminal to enable the merchant terminal to generate order information, wherein the order information comprises the amount to be paid and a money collection wallet mark;
receiving order information sent by the merchant terminal and requesting user authorization;
responding to an authorization instruction of a user, and generating a digital currency encryption character string according to the amount to be paid;
and sending the digital currency encryption character string to the merchant terminal according to the collection wallet identifier to finish vehicle-mounted payment.
Optionally, establishing a communication connection with the customer premises via wireless communication includes: detecting distance information with a merchant terminal through wireless communication, wherein the distance information comprises a distance and an angle with the merchant terminal; and when the distance and the angle between the wireless communication system and the business user side meet preset requirements, establishing communication connection with the business user side through wireless communication.
Optionally, receiving order information sent by the merchant terminal and requesting user authorization includes: and receiving order information sent by the merchant terminal, and requesting user authorization through a human-computer interaction interface and voice interaction.
Optionally, after receiving the order information sent by the merchant, the method further includes: and receiving the voice prompt sent by the merchant terminal.
Optionally, the authorization instruction comprises a password, a fingerprint or a voice instruction entered by the user.
According to a second aspect of embodiments of the present invention, there is provided a method for digital currency based in-vehicle payment, comprising:
establishing a communication connection with a payment vehicle terminal through wireless communication;
generating order information according to the received shopping information sent by the payment vehicle terminal, wherein the order information comprises the amount to be paid and a collection wallet mark;
sending the order information to the payment vehicle end so that the payment vehicle end sends a digital currency encryption character string to the money collection wallet according to an authorization instruction of a user, wherein the digital currency encryption character string is generated according to the amount to be paid;
and receiving the digital currency encryption character string sent by the payment vehicle terminal, and verifying and storing the digital currency encryption character string to finish vehicle-mounted payment.
Optionally, establishing a communication connection with the payment vehicle end through wireless communication includes: detecting distance information with a payment vehicle end through wireless communication, wherein the distance information comprises a distance and an angle with the payment vehicle end; and when the distance and the angle between the vehicle terminal and the payment vehicle terminal meet preset requirements, establishing communication connection with the payment vehicle terminal through wireless communication.
Optionally, after sending the order information to the payment vehicle terminal, the method further includes: and sending a voice prompt.
Optionally, the authorization instruction comprises a password, a fingerprint or a voice instruction entered by the user.
According to a third aspect of embodiments of the present invention, there is provided a method for digital currency-based in-vehicle payment, comprising:
the payment vehicle end and the merchant end establish wireless communication connection;
the payment vehicle terminal sends shopping information to the merchant terminal;
the merchant terminal generates order information according to the shopping information and sends the order information to the payment vehicle terminal, wherein the order information comprises the amount to be paid and a money collection wallet mark;
the payment vehicle terminal requests user authorization according to the order information, generates a digital currency encryption character string according to the amount to be paid based on an authorization instruction of the user, and sends the digital currency encryption character string to the merchant terminal according to the money receiving wallet identification;
and the merchant terminal verifies and stores the received digital currency encryption character string to finish vehicle-mounted payment.
Alternatively, the wallet for digital currency is implemented based on a secure element.
According to a fourth aspect of embodiments of the present invention, there is provided an apparatus for digital currency-based in-vehicle payment, including:
the first connection module is used for establishing communication connection with a business user end through wireless communication;
the information sending module is used for sending the shopping information to the merchant terminal so as to enable the merchant terminal to generate order information, and the order information comprises the amount to be paid and the money collection wallet mark;
the authorization module is used for receiving the order information sent by the merchant terminal and requesting user authorization;
the encrypted character string generating module is used for responding to an authorization instruction of a user and generating a digital currency encrypted character string according to the amount to be paid;
and the payment module is used for sending the digital currency encryption character string to the merchant terminal according to the money collection wallet identifier so as to complete vehicle-mounted payment.
According to a fifth aspect of embodiments of the present invention, there is provided an apparatus for digital currency-based in-vehicle payment, including:
the second connection module is used for establishing communication connection with the payment vehicle end through wireless communication;
the order generation module is used for generating order information according to the received shopping information sent by the payment vehicle terminal, and the order information comprises the amount to be paid and a money collection wallet mark;
the order sending module is used for sending the order information to the payment vehicle end so that the payment vehicle end sends a digital currency encryption character string to the money receiving wallet according to an authorization instruction of a user, and the digital currency encryption character string is generated according to the amount to be paid;
and the encryption character string receiving module is used for receiving the digital currency encryption character string sent by the payment vehicle terminal, verifying and storing the digital currency encryption character string and finishing vehicle-mounted payment.
According to a sixth aspect of the embodiments of the present invention, there is provided a system for digital money-based in-vehicle payment, including a payment vehicle side and a merchant side, wherein,
the payment vehicle end is used for: establishing wireless communication connection with a merchant terminal; sending shopping information to the merchant terminal; requesting user authorization according to the order information, generating a digital currency encryption character string according to the amount to be paid based on an authorization instruction of the user, and sending the digital currency encryption character string to the merchant terminal according to the money collection wallet identifier;
the merchant terminal is used for: establishing wireless communication connection with the payment vehicle terminal; generating order information according to the shopping information, and sending the order information to the payment vehicle terminal, wherein the order information comprises the amount to be paid and a money collection wallet mark; and verifying and saving the received digital currency encryption character string to finish vehicle-mounted payment.
According to a seventh aspect of the embodiments of the present invention, there is provided an electronic device for vehicle-mounted payment based on digital money, comprising:
one or more processors;
a storage device for storing one or more programs,
when executed by the one or more processors, cause the one or more processors to implement a method for digital currency based in-vehicle payment as provided by embodiments of the invention.
According to an eighth aspect of embodiments of the present invention, there is provided a computer readable medium having stored thereon a computer program which, when executed by a processor, implements a method of digital currency based on-board payment provided by embodiments of the present invention.
One embodiment of the invention has the following advantages or benefits: establishing communication connection with a business user terminal through wireless communication; sending shopping information to a merchant terminal to enable the merchant terminal to generate order information, wherein the order information comprises the amount to be paid and a money collection wallet mark; receiving order information sent by a merchant terminal and requesting user authorization; responding to an authorization instruction of a user, and generating a digital currency encryption character string according to the amount to be paid; the digital currency encryption character string is sent to the merchant terminal according to the cash-collecting wallet mark so as to complete the technical scheme of vehicle-mounted payment, wireless connection established between the payment vehicle terminal and the merchant terminal is achieved, authorized payment is conducted through received order information, and the digital currency encryption character string generated by authorized payment is sent to the merchant terminal.
Drawings
The drawings are included to provide a better understanding of the invention and are not to be construed as unduly limiting the invention. Wherein:
fig. 1 is a schematic diagram of a main flow of a digital currency based in-vehicle payment method according to a first embodiment of the present invention;
fig. 2 is a main flow chart diagram of a digital currency based in-vehicle payment method according to a second embodiment of the present invention;
fig. 3 is a main flow chart diagram of a digital currency based in-vehicle payment method according to a third embodiment of the present invention;
FIG. 4 is a schematic diagram of a digital currency based in-vehicle payment system according to one embodiment of the invention;
FIG. 5 is a schematic diagram of a payment process flow of a digital currency based in-vehicle payment system according to an embodiment of the invention;
fig. 6 is a schematic view of the main blocks of the apparatus for digital money-based in-vehicle payment according to the first embodiment of the present invention;
fig. 7 is a main block schematic diagram of an apparatus for digital money-based in-vehicle payment according to a second embodiment of the present invention;
FIG. 8 is an exemplary system architecture diagram in which embodiments of the present invention may be employed;
fig. 9 is a schematic structural diagram of a computer system suitable for implementing a terminal device or a server according to an embodiment of the present invention.
Detailed Description
Exemplary embodiments of the present invention are described below with reference to the accompanying drawings, in which various details of embodiments of the invention are included to assist understanding, and which are to be considered as merely exemplary. Accordingly, those of ordinary skill in the art will recognize that various changes and modifications of the embodiments described herein can be made without departing from the scope and spirit of the invention. Also, descriptions of well-known functions and constructions are omitted in the following description for clarity and conciseness.
At present, in a third-party payment mode, bank card information of a payer is directly exposed to a third-party payment platform, if the credit or the safety of the platform is not high, certain fund safety problems and payment risk problems can be brought, a payment device can only conduct transaction on line, the transaction cannot be conducted under the condition that a network is busy, a weak network or no network exists, the user experience is poor, the transaction efficiency is also influenced, and the practical application cannot be well met.
In order to solve the problems in the prior art, the invention provides a vehicle-mounted payment method based on digital currency, which is characterized in that authorized payment is carried out through received order information based on wireless connection established between a payment vehicle end and a merchant end, and a digital currency encryption character string generated by the authorized payment is sent to a payee end.
In the description of the embodiments of the present invention, the terms and their meanings are as follows:
UWB: ultra Wide Band, a wireless carrier communication technology, it does not adopt the sine carrier, but utilize the narrow pulse transmission data of nanosecond-level non-sine wave, UWB technology has the system complexity to be low, the power spectral density of the transmitted signal is low, insensitive to the channel fading, intercept the advantage such as being low, the positioning accuracy is high of ability, especially suitable for the indoor high-speed wireless access of the dense multipath place such as;
and SE: the Secure Element and the security module realize functions of data security storage, encryption and decryption operation and the like through a security chip and a Chip Operating System (COS), can be widely applied to the fields of finance, mobile payment, urban traffic, medical treatment, retail and the like, and can protect the payment security;
IVI system: the In-vehicle infotainment and vehicle-mounted information entertainment system adopts a vehicle-mounted special central processing unit, and forms a vehicle-mounted comprehensive information processing system based on a vehicle body bus system and internet services, wherein the vehicle-mounted IVI system provides an operating environment for digital currency wallet application, provides operations such as touch interaction, voice interaction and the like, and supports the management of a plurality of screens;
and (4) merchant terminal POS: the invention is a charging interactive system of a business user end, which is used for providing charging related functions of orders;
and (4) coin stringing: the digital currency generated by the SE module encrypts the string for electronic payment.
Fig. 1 is a schematic diagram of a main flow of a digital-currency-based in-vehicle payment method according to a first embodiment of the present invention, in which the digital-currency-based in-vehicle payment method is performed by a payment vehicle side. As shown in fig. 1, the digital currency based in-vehicle payment method according to the embodiment of the present invention includes steps S101 to S105 as follows.
And step S101, establishing communication connection with the business user side through wireless communication.
In particular, communication connection is established between two parties needing payment before payment transaction, currently common wireless communication can be realized by selecting communication modes such as Bluetooth, WIFI (wireless fidelity), 4G/5G and the like, in recent years, as a UWB (ultra Wide band) communication technology has the advantages of high positioning accuracy, good safety, high transmission rate, low power consumption, strong anti-interference capability and the like, the UWB communication technology is better popularized and applied in the field of vehicles, and the communication connection between the UWB wireless communication and a merchant terminal is established by taking the UWB wireless communication as the communication mode between the two parties receiving and paying.
According to one embodiment of the invention, the establishment of the communication connection with the business user terminal through wireless communication comprises the following steps: detecting distance information with a merchant terminal through wireless communication, wherein the distance information comprises a distance and an angle with the merchant terminal; and when the distance and the angle between the wireless communication system and the business user side meet preset requirements, establishing communication connection with the business user side through wireless communication.
Specifically, when a payment vehicle end drives into a position interval where a merchant end such as a shuttle restaurant/supermarket is located, time and angle information of an object to be positioned is obtained through a UWB positioning technology, the time information is converted into distance information, the distance and the angle between the object to be positioned and the merchant end are obtained, and then the position information of the object to be positioned is obtained through a geometric positioning method such as triangular positioning; according to the performance index of the UWB communication technology, a distance threshold and an angle threshold established by communication are preset, when the distance and the angle between the distance and the angle of the vehicle-mounted user end meet the corresponding preset threshold, communication connection with the vehicle-mounted user end is established through UWB, and after connection establishment is completed, a vehicle-mounted IVI system of a payment vehicle end receives prompt information of successful connection establishment so as to inform a vehicle-mounted user that online shopping can be carried out.
Step S102, the shopping information is sent to the merchant terminal so that the merchant terminal generates order information, and the order information comprises the amount to be paid and the money collection wallet mark.
Specifically, after the successful connection with the merchant terminal is confirmed, the vehicle-mounted user purchases the commodities on the vehicle through the online shopping platform, and the purchased product information is submitted to the vehicle-mounted IVI system, the vehicle-mounted IVI system is connected with the merchant terminal through wireless communication, and the shopping information is sent to the POS of the merchant terminal, so that the merchant terminal POS generates user order information according to the received shopping information, and the order information comprises the amount of money to be paid and the cash-collecting wallet identifier.
And step S103, receiving order information sent by the merchant terminal and requesting user authorization.
According to an embodiment of the invention, receiving order information sent by the merchant terminal and requesting user authorization comprises: and receiving order information sent by the merchant terminal, and requesting user authorization through a human-computer interaction interface and voice interaction.
Specifically, the vehicle-mounted system receives order information sent by the merchant POS through the established wireless communication connection, pops up a man-machine interaction payment interface and informs a user of the order information through voice broadcasting so as to request the user to authorize payment.
According to an embodiment of the present invention, after receiving the order information sent by the merchant, the method further includes: and receiving the voice prompt sent by the merchant terminal.
Specifically, after receiving the order information sent by the merchant terminal, the in-vehicle system receives a payment voice prompt sent by the merchant terminal, exemplarily: "order has been generated please pay", "you have purchased goods, payment amount is 50 dollars", etc.
Through the popping-up, the instant voice broadcasting and the voice prompt of the human-computer interaction interface, the experience feeling of the user is improved, and the user can pay conveniently and efficiently.
And step S104, responding to an authorization instruction of a user, and generating a digital currency encryption character string according to the amount to be paid.
According to one embodiment of the invention, the authorization instruction comprises a password, a fingerprint or a voice instruction entered by the user.
Specifically, the authorization instruction of the user includes a password, a fingerprint or a voice instruction input by the user, but is not limited thereto, and may also include other existing payment authorization manners, the payment vehicle end may provide a plurality of authorization manners for the user to select, and in response to the authorization instruction of the user, the security unit SE in the digital money wallet generates a digital money encryption character string according to the amount to be paid in the received order information, and returns the digital money encryption character string to the vehicle-mounted IVI system.
The digital currency encryption character string generated by the safety unit SE in the digital currency wallet not only supports online transaction, but also supports offline transaction, ensures continuous transaction under the condition of busy network, weak network or no network, improves the experience of users, improves the transaction efficiency, and can better meet the practical application.
And step S105, sending the digital currency encryption character string to the merchant terminal according to the collection wallet identifier so as to complete vehicle-mounted payment.
Specifically, according to the money collection wallet identifier in the received order information, the vehicle-mounted IVI system sends the digital currency encryption character string to the merchant terminal POS according to the money collection wallet identifier through the wireless communication connection established with the merchant terminal so as to complete vehicle-mounted payment.
Fig. 2 is a schematic diagram of a main flow of a digital-currency-based in-vehicle payment method according to a second embodiment of the present invention, in which the digital-currency-based in-vehicle payment method is performed by a merchant terminal. As shown in fig. 2, the digital currency-based in-vehicle payment method according to the embodiment of the present invention includes steps S201 to S204 as follows.
Step S201, establishing communication connection with the payment vehicle end through wireless communication.
According to the embodiment of the invention, the communication connection with the payment vehicle end is established through wireless communication, and the method comprises the following steps: detecting distance information with a payment vehicle end through wireless communication, wherein the distance information comprises a distance and an angle with the payment vehicle end; and when the distance and the angle between the vehicle terminal and the payment vehicle terminal meet preset requirements, establishing communication connection with the payment vehicle terminal through wireless communication.
Specifically, communication connection is established between two parties needing payment before payment transaction, and currently, commonly used wireless communication has multiple choices. When detecting conditions (the distance and the angle meet preset corresponding thresholds) capable of establishing UWB communication connection with a payment vehicle end through a UWB positioning technology at merchant ends such as shuttle restaurants/supermarkets and the like, establishing communication connection with the payment vehicle end through wireless communication, and informing the merchant end of entering a transaction preparation state by a merchant POS (point of sale) receiving prompt information of successful connection establishment.
Step S202, according to the received shopping information sent by the payment vehicle terminal, order information is generated, and the order information comprises the amount to be paid and the money collection wallet mark.
Specifically, the merchant-side POS receives shopping information sent from a payment vehicle end system through the established wireless communication connection, and generates user order information, where the order information includes the amount to be paid and a money-collecting wallet identifier.
Step S203, the order information is sent to the payment vehicle end, so that the payment vehicle end sends a digital currency encryption character string to the money collection wallet according to an authorization instruction of a user, and the digital currency encryption character string is generated according to the amount to be paid.
According to an embodiment of the present invention, after sending the order information to the payment vehicle terminal, the method further includes: and sending a voice prompt.
Specifically, the merchant POS sends order information to the payment vehicle end through the established wireless communication connection so as to trigger the vehicle-mounted system to initiate an authorized payment request, and then the merchant POS sends a payment message to the vehicle-mounted system in a voice prompt sending mode so that the vehicle-mounted system broadcasts the received voice prompt.
According to an embodiment of the invention, the authorization instruction comprises a password, a fingerprint or a voice instruction entered by the user.
Specifically, the merchant POS sends the order information to the payment vehicle end, so that the payment vehicle end sends the received order information to the payment wallet according to the input password, fingerprint or voice instruction of the user and according to the payment wallet identifier in other existing authorization manners, and the digital currency encryption character string is generated according to the amount to be paid in the order information.
And step S204, receiving the digital currency encryption character string sent by the payment vehicle terminal, and verifying and storing the digital currency encryption character string to finish vehicle-mounted payment.
Specifically, the merchant POS receives the digital currency encryption character string sent by the payment vehicle end, submits the digital currency encryption character string to the digital currency wallet of the merchant, and the security unit SE of the digital currency wallet verifies and stores the digital currency encryption character string and returns a confirmation result to the merchant POS to complete vehicle-mounted payment.
Through the verification and the storage of the digital currency encryption character string by the safety unit SE in the digital currency wallet, the cash register user side is ensured to support not only online transaction but also offline transaction, the continuous transaction is ensured under the condition that the network is busy, weak network or no network, the experience of the user is improved, the income loss and the loss of customers caused by network faults are avoided, and the payment transaction can be better served.
Fig. 3 is a schematic diagram of a main flow of a digital currency-based in-vehicle payment method according to a third embodiment of the present invention, which describes how in-vehicle payment is specifically made at a payment vehicle end and a merchant end. As shown in fig. 3, the digital currency based in-vehicle payment method according to the embodiment of the present invention includes steps S301 to S305 as follows.
And S301, establishing wireless communication connection between the payment vehicle end and the merchant end.
Specifically, similar to the above embodiments of the present invention, there are many options for the wireless communication currently used to establish the communication connection between the two parties needing payment before the payment transaction, and the embodiment of the present invention establishes the communication connection with the merchant terminal by using UWB wireless communication as the communication mode between the two parties receiving and paying. When a condition that UWB communication connection can be established with a payment vehicle end (the distance and the angle meet preset corresponding threshold values) is detected through a UWB positioning technology in a shuttle restaurant/supermarket, communication connection between the payment vehicle end and a merchant end is established through wireless communication, and after the two parties establish communication connection, prompt information of successful connection establishment is received respectively to inform the two parties of entering a transaction preparation state.
And step S302, the payment vehicle terminal sends shopping information to the merchant terminal.
Specifically, after receiving the prompt information of successful connection, the user performs online shopping on the vehicle and submits the shopping commodity information to the vehicle-mounted system, and the vehicle-mounted system sends the shopping information to the UWB communication module of the merchant end through the UWB communication module to realize the sending of the shopping information.
Step S303, the merchant terminal generates order information according to the shopping information and sends the order information to the payment vehicle terminal, wherein the order information comprises the amount to be paid and the money collection wallet identifier.
Specifically, the shopping information is transmitted to a merchant-side POS by the merchant-side UWB communication module, the merchant-side POS generates order information according to the shopping information, and the order information is transmitted to the payment vehicle-side UWB communication module by the merchant-side UWB communication module, wherein the order information comprises the amount to be paid and the money collection wallet identifier.
And S304, the payment vehicle terminal requests user authorization according to the order information, generates a digital currency encryption character string according to the amount to be paid based on an authorization instruction of the user, and sends the digital currency encryption character string to the merchant terminal according to the money collection wallet identifier.
According to a third embodiment of the invention, the wallet for digital currency is implemented on the basis of a security unit.
Specifically, the UWB communication module of the payment vehicle end sends the received order information to the vehicle-mounted system, the vehicle-mounted system pops up a man-machine interaction interface according to the order information and requests user authorization through voice interaction, the user can authorize through inputting authorization instructions such as passwords, fingerprints or voice instructions, a digital currency wallet in the payment vehicle end generates a digital currency encryption character string through a safety unit SE according to the amount to be paid in the order information and returns the digital currency encryption character string to the vehicle-mounted system, and the vehicle-mounted system calls the UWB communication module to send the digital currency encryption character string to the UWB communication module of the merchant end according to a money receiving wallet identification in the order information.
And S305, the merchant terminal verifies and stores the received digital currency encryption character string to finish vehicle-mounted payment.
Specifically, the UWB communication module of the merchant returns the received digital currency encryption character string to the POS of the merchant, the POS of the merchant submits the digital currency encryption character string to the digital currency wallet of the merchant, the digital currency wallet of the merchant completes verification and storage of the digital currency encryption character string through the safety unit SE, and the verification confirmation result is returned to the POS of the merchant to complete vehicle-mounted payment.
Through the above-mentioned digital currency wallet based on security element SE realizes, not only improved the security of payment, but also supported the payment of the digital currency encryption character string of two off-lines, can realize quick noninductive payment under the network busy, weak net or no network condition, promoted user's experience sense, had improved user's viscidity powerfully.
In order to implement the vehicle-mounted payment method, the invention provides a system for vehicle-mounted payment based on digital currency, which comprises a payment vehicle end and a merchant end, wherein the payment vehicle end is used for: establishing wireless communication connection with a merchant terminal; sending shopping information to the merchant terminal; requesting user authorization according to the order information, generating a digital currency encryption character string according to the amount to be paid based on an authorization instruction of the user, and sending the digital currency encryption character string to the merchant terminal according to the money collection wallet identifier; the merchant terminal is used for: establishing wireless communication connection with the payment vehicle terminal; generating order information according to the shopping information, and sending the order information to the payment vehicle terminal, wherein the order information comprises the amount to be paid and a money collection wallet mark; and verifying and saving the received digital currency encryption character string to finish vehicle-mounted short-distance payment.
Fig. 4 is a schematic structural diagram of an in-vehicle payment system based on digital currency according to an embodiment of the present invention, in which a payment vehicle end and a merchant end form the in-vehicle payment system for implementing the in-vehicle short-distance payment based on digital currency according to the present invention. The payment vehicle end comprises a vehicle central control screen, a vehicle-mounted IVI system, a digital money wallet, a vehicle-mounted SE module, a voice recognition module and a vehicle-mounted UWB module, wherein the vehicle central control screen is responsible for information interaction such as user UI interface display, user click touch action and voice recognition; the merchant terminal comprises a merchant terminal POS, a digital currency wallet, a merchant terminal SE module, a voice broadcast module and a merchant terminal UWB module, wherein the merchant terminal POS provides an order charging function and the like of the merchant terminal, the digital currency wallet provides a merchant terminal digital wallet service for the merchant terminal POS to access a service function required by the merchant terminal SE module and realize interaction with a digital currency transaction settlement platform, the merchant terminal SE module provides a digital currency hard wallet function, and the functions comprise currency string verification, currency string storage and the like, the voice broadcast module provides a voice broadcast function of the merchant terminal, and the merchant terminal UWB module provides a UWB communication function.
Fig. 5 is a schematic view of a payment processing flow of the vehicle-mounted payment system based on digital currency according to an embodiment of the present invention, wherein the vehicle payment module installed in the vehicle is the payment vehicle terminal in fig. 4, and is responsible for establishing UWB connection with the store to perform payment transaction; the merchant device module loaded in the merchant such as the vehicle shuttle restaurant/supermarket is the merchant terminal in fig. 4, and is responsible for establishing UWB connection with the vehicle to complete payment transaction. After a user drives into the area range of merchants such as a vehicle shuttle restaurant/supermarket, a vehicle payment module of the vehicle and a merchant equipment module finish UWB accurate distance measurement and information interaction so as to establish and confirm UWB connection; the method comprises the steps that a user finishes on-site ordering and shopping through a vehicle-mounted system, shopping information is transmitted to a merchant terminal UWB module of a merchant equipment module through a vehicle-mounted UWB module, the merchant terminal UWB module transmits the received shopping information to a merchant terminal POS, the merchant terminal POS generates order information comprising the amount of money to be paid and a money collection wallet identifier, the order information is transmitted to the vehicle-mounted UWB module through the merchant terminal UWB module, and the merchant equipment module sends money collection to the vehicle payment module; the APP of the vehicle-mounted IVI system receives order information sent by the vehicle-mounted UWB module, a UI interface is popped up, voice prompt is carried out to request user authorization, and the user interacts with the voice recognition module by using voice and pays by adopting a digital money wallet; the user inputs an authorization instruction, authorizes the vehicle digital money wallet to generate or select a money string to be paid according to the amount to be paid in the order information, and sends the money string to a merchant terminal UWB module of the merchant equipment module through the vehicle-mounted UWB module according to a money receiving wallet identifier in the order information; and the merchant terminal UWB module of the merchant equipment module receives the coin string, transmits the coin string to the digital currency wallet of the merchant terminal through the merchant terminal POS, completes the verification and storage of the coin string by the merchant terminal SE hard wallet, and returns a confirmation result to the merchant terminal POS to complete the transaction.
Fig. 6 is a schematic diagram of main blocks of an apparatus for digital money-based in-vehicle payment according to a first embodiment of the present invention. As shown in fig. 6, the apparatus 600 for in-vehicle payment based on digital money mainly includes a first connection module 601, an information transmission module 602, an authorization module 603, an encryption string generation module 604, and a payment module 605.
A first connection module 601, configured to establish a communication connection with a business user end through wireless communication;
an information sending module 602, configured to send shopping information to a merchant terminal, so that the merchant terminal generates order information, where the order information includes an amount to be paid and a money collection wallet identifier;
an authorization module 603, configured to receive order information sent by the merchant terminal and request user authorization;
an encrypted string generating module 604, configured to respond to an authorization instruction of a user, and generate a digital currency encrypted string according to the amount to be paid;
and the payment module 605 is configured to send the digital currency encryption character string to the merchant side according to the collection wallet identifier, so as to complete vehicle-mounted payment.
Specifically, the first connection module 601 may further be configured to: detecting distance information with a merchant terminal through wireless communication, wherein the distance information comprises a distance and an angle with the merchant terminal; and when the distance and the angle between the mobile terminal and the business user side meet preset requirements, establishing communication connection with the business user side through wireless communication.
Specifically, the authorization module 603 may further be configured to: and receiving order information sent by the merchant terminal, and requesting user authorization through a human-computer interaction interface and voice interaction.
Specifically, the apparatus 600 for digital currency based in-vehicle payment according to the first embodiment of the present invention may further include a voice receiving module (not shown in the figure) for: and after receiving the order information sent by the merchant terminal, receiving a voice prompt sent by the merchant terminal.
Specifically, the authorization instruction of the first embodiment of the present invention includes a password, a fingerprint, or a voice instruction input by the user.
Fig. 7 is a schematic diagram of main blocks of an apparatus for digital money-based in-vehicle payment according to a second embodiment of the present invention. As shown in fig. 7, the apparatus 700 for digital currency based in-vehicle payment mainly includes a second connection module 701, an order generation module 702, an order sending module 703 and an encrypted character string receiving module 704.
A second connection module 701, configured to establish a communication connection with a payment vehicle end through wireless communication;
an order generating module 702, configured to generate order information according to the received shopping information sent by the payment vehicle, where the order information includes an amount to be paid and a collection wallet identifier;
an order sending module 703, configured to send the order information to the payment vehicle end, so that the payment vehicle end sends a digital currency encryption character string to the money collection wallet according to an authorization instruction of a user, where the digital currency encryption character string is generated according to the amount to be paid;
and the encrypted character string receiving module 704 is used for receiving the digital currency encrypted character string sent by the payment vehicle, and verifying and saving the digital currency encrypted character string to complete vehicle-mounted payment.
Specifically, the second connection module 701 may further be configured to: detecting distance information with a payment vehicle end through wireless communication, wherein the distance information comprises a distance and an angle with the payment vehicle end; and when the distance and the angle between the vehicle terminal and the payment vehicle terminal meet preset requirements, establishing communication connection with the payment vehicle terminal through wireless communication.
Specifically, the apparatus 700 for digital currency based in-vehicle payment according to the second embodiment of the present invention may further include a voice transmission module (not shown in the figure) for: and after the order information is sent to the payment vehicle terminal, sending a voice prompt.
Specifically, the authorization instruction of the second embodiment of the present invention includes a password, a fingerprint or a voice instruction input by the user.
Fig. 8 illustrates an exemplary system architecture 800 of a method of digital currency based in-vehicle payment or an apparatus of digital currency based in-vehicle payment to which embodiments of the present invention may be applied.
As shown in fig. 8, the system architecture 800 may include terminal devices 801, 802, 803, a network 804, and a server 805. The network 804 serves to provide a medium for communication links between the terminal devices 801, 802, 803 and the server 805. Network 804 may include various types of connections, such as wire, wireless communication links, or fiber optic cables, to name a few.
A user may use the terminal devices 801, 802, 803 to interact with a server 805 over a network 804 to receive or send messages or the like. Various communication client applications, such as in-vehicle payment applications, etc. (by way of example only), may be installed on the terminal devices 801, 802, 803.
The terminal devices 801, 802, 803 may be various electronic devices having a display screen and supporting web browsing, including but not limited to smart phones, tablet computers, laptop portable computers, desktop computers, and the like.
The server 805 may be a server that provides various services, such as a back office management server (for example only) that supports digital currency-based in-vehicle payments made by users using the terminal devices 801, 802, 803. The background management server can establish communication connection with the business user side through wireless communication; sending shopping information to a merchant terminal to enable the merchant terminal to generate order information, wherein the order information comprises the amount to be paid and a money collection wallet mark; receiving order information sent by the merchant terminal and requesting user authorization; responding to an authorization instruction of a user, and generating a digital currency encryption character string according to the amount to be paid; and sending the digital currency encryption character string to the merchant terminal according to the collection wallet identifier so as to complete processing such as vehicle-mounted payment, and feeding back a processing result (such as a payment result, and the like, for example only) to the terminal equipment.
It should be noted that the method for vehicle-mounted payment based on digital currency provided by the embodiment of the invention is generally executed by the server 805, and accordingly, a device for vehicle-mounted payment based on digital currency is generally arranged in the server 805.
It should be understood that the number of terminal devices, networks, and servers in fig. 8 is merely illustrative. There may be any number of terminal devices, networks, and servers, as desired for implementation.
Referring now to FIG. 9, a block diagram of a computer system 900 suitable for use with a terminal device or server implementing an embodiment of the invention is shown. The terminal device or the server shown in fig. 9 is only an example, and should not bring any limitation to the functions and the scope of use of the embodiments of the present invention.
As shown in fig. 9, the computer system 900 includes a Central Processing Unit (CPU)901 that can perform various appropriate actions and processes in accordance with a program stored in a Read Only Memory (ROM)902 or a program loaded from a storage section 908 into a Random Access Memory (RAM) 903. In the RAM 903, various programs and data necessary for the operation of the system 900 are also stored. The CPU 901, ROM 902, and RAM 903 are connected to each other via a bus 904. An input/output (I/O) interface 905 is also connected to bus 904.
The following components are connected to the I/O interface 905: an input portion 906 including a keyboard, a mouse, and the like; an output section 907 including components such as a Cathode Ray Tube (CRT), a Liquid Crystal Display (LCD), and the like, and a speaker; a storage portion 908 including a hard disk and the like; and a communication section 909 including a network interface card such as a LAN card, a modem, or the like. The communication section 909 performs communication processing via a network such as the internet. The drive 910 is also connected to the I/O interface 905 as necessary. A removable medium 911 such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, or the like is mounted on the drive 910 as necessary, so that a computer program read out therefrom is mounted into the storage section 908 as necessary.
In particular, according to the embodiments of the present disclosure, the processes described above with reference to the flowcharts may be implemented as computer software programs. For example, embodiments of the present disclosure include a computer program product comprising a computer program embodied on a computer readable medium, the computer program comprising program code for performing the method illustrated in the flow chart. In such an embodiment, the computer program may be downloaded and installed from a network via the communication section 909 and/or installed from the removable medium 911. The above-described functions defined in the system of the present invention are executed when the computer program is executed by a Central Processing Unit (CPU) 901.
It should be noted that the computer readable medium shown in the present invention can be a computer readable signal medium or a computer readable storage medium or any combination of the two. A computer readable storage medium may be, for example, but not limited to, an electronic, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or any combination of the foregoing. More specific examples of the computer readable storage medium may include, but are not limited to: an electrical connection having one or more wires, a portable computer diskette, a hard disk, a Random Access Memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disc read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing. In the present invention, a computer readable storage medium may be any tangible medium that can contain, or store a program for use by or in connection with an instruction execution system, apparatus, or device. In the present invention, however, a computer readable signal medium may include a propagated data signal with computer readable program code embodied therein, for example, in baseband or as part of a carrier wave. Such a propagated data signal may take any of a variety of forms, including, but not limited to, electro-magnetic, optical, or any suitable combination thereof. A computer readable signal medium may also be any computer readable medium that is not a computer readable storage medium and that can communicate, propagate, or transport a program for use by or in connection with an instruction execution system, apparatus, or device. Program code embodied on a computer readable medium may be transmitted using any appropriate medium, including but not limited to: wireless, wire, fiber optic cable, RF, etc., or any suitable combination of the foregoing.
The flowchart and block diagrams in the figures illustrate the architecture, functionality, and operation of possible implementations of systems, methods and computer program products according to various embodiments of the present invention. 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). It should also be noted that, 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 or flowchart illustration, and combinations of blocks in the block diagrams 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.
The units described in the embodiments of the present invention may be implemented by software or hardware. The described units may also be provided in a processor, and may be described as: a processor comprising: the system comprises a first connection module, an information sending module, an authorization module, an encryption character string generation module and a payment module, wherein the names of the modules do not form a limitation to the module per se in some cases, for example, the first connection module can also be described as a module for establishing communication connection with a merchant terminal through wireless communication.
In another aspect, the present invention also provides a computer-readable medium, which may be contained in the apparatus described in the embodiments; or may be separate and not incorporated into the device. The computer readable medium carries one or more programs which, when executed by an apparatus, cause the apparatus to comprise: establishing communication connection with a business user terminal through wireless communication; sending shopping information to a merchant terminal so that the merchant terminal generates order information, wherein the order information comprises the amount to be paid and a money collection wallet mark; receiving order information sent by the merchant terminal and requesting user authorization; responding to an authorization instruction of a user, and generating a digital currency encryption character string according to the amount to be paid; and sending the digital currency encryption character string to the merchant terminal according to the collection wallet identifier to finish vehicle-mounted payment.
According to the technical scheme of the embodiment of the invention, the method has the following advantages or beneficial effects:
establishing communication connection with a business user terminal through wireless communication; sending shopping information to a merchant terminal to enable the merchant terminal to generate order information, wherein the order information comprises the amount to be paid and a money collection wallet mark; receiving order information sent by a merchant terminal and requesting user authorization; responding to an authorization instruction of a user, and generating a digital currency encryption character string according to the amount to be paid; the digital currency encryption character string is sent to the merchant terminal according to the cash-collecting wallet identification to complete the technical scheme of vehicle-mounted payment, wireless connection established between the payment vehicle terminal and the merchant terminal is achieved, authorized payment is conducted through received order information, the digital currency encryption character string generated by authorized payment is sent to the cash-collecting merchant terminal, a third-party platform is not needed in the payment mode, safety of funds and payment is guaranteed, and experience of a user and safety, high efficiency and convenience of transaction are improved.
The specific embodiments are not to be construed as limiting the scope of the invention. Those skilled in the art will appreciate that various modifications, combinations, sub-combinations, and substitutions can occur, depending on design requirements and other factors. Any modification, equivalent replacement, and improvement made within the spirit and principle of the present invention should be included in the protection scope of the present invention.

Claims (16)

1. A method for digital currency based in-vehicle payment, comprising:
establishing communication connection with a business user terminal through wireless communication;
sending shopping information to a merchant terminal to enable the merchant terminal to generate order information, wherein the order information comprises the amount to be paid and a money collection wallet mark;
receiving order information sent by the merchant terminal and requesting user authorization;
responding to an authorization instruction of a user, and generating a digital currency encryption character string according to the amount to be paid;
and sending the digital currency encryption character string to the merchant terminal according to the collection wallet identifier to finish vehicle-mounted payment.
2. The method of claim 1, wherein establishing a communication connection with a customer premises via wireless communication comprises:
detecting distance information with a merchant terminal through wireless communication, wherein the distance information comprises a distance and an angle with the merchant terminal;
and when the distance and the angle between the wireless communication system and the business user side meet preset requirements, establishing communication connection with the business user side through wireless communication.
3. The method of claim 1, wherein receiving order information sent from the merchant terminal and requesting user authorization comprises:
and receiving order information sent by the merchant terminal, and requesting user authorization through a human-computer interaction interface and voice interaction.
4. The method of claim 1, further comprising, after receiving the order information from the merchant side:
and receiving the voice prompt sent by the merchant terminal.
5. The method of claim 1, wherein the authorization instruction comprises a password, fingerprint, or voice instruction entered by the user.
6. A method for digital currency based in-vehicle payment, comprising:
establishing a communication connection with a payment vehicle terminal through wireless communication;
generating order information according to the received shopping information sent by the payment vehicle terminal, wherein the order information comprises the amount to be paid and a collection wallet mark;
sending the order information to the payment vehicle end so that the payment vehicle end sends a digital currency encryption character string to the money collection wallet according to an authorization instruction of a user, wherein the digital currency encryption character string is generated according to the amount to be paid;
and receiving the digital currency encryption character string sent by the payment vehicle terminal, and verifying and storing the digital currency encryption character string to finish vehicle-mounted payment.
7. The method of claim 6, wherein establishing a communication connection with the payment vehicle via wireless communication comprises:
detecting distance information with a payment vehicle end through wireless communication, wherein the distance information comprises a distance and an angle with the payment vehicle end;
and when the distance and the angle between the vehicle terminal and the payment vehicle terminal meet preset requirements, establishing communication connection with the payment vehicle terminal through wireless communication.
8. The method of claim 6, wherein after sending the order information to the payment vehicle terminal, further comprising:
and sending a voice prompt.
9. The method of claim 6, wherein the authorization instruction comprises a password, fingerprint, or voice instruction entered by the user.
10. A method for digital currency based in-vehicle payment, comprising:
the payment vehicle end and the merchant end establish wireless communication connection;
the payment vehicle terminal sends shopping information to the merchant terminal;
the merchant terminal generates order information according to the shopping information and sends the order information to the payment vehicle terminal, wherein the order information comprises the amount to be paid and a money collection wallet mark;
the payment vehicle terminal requests user authorization according to the order information, generates a digital currency encryption character string according to the amount to be paid based on an authorization instruction of the user, and sends the digital currency encryption character string to the merchant terminal according to the money receiving wallet identification;
and the merchant terminal verifies and stores the received digital currency encryption character string to finish vehicle-mounted payment.
11. The method of claim 10, wherein the wallet for digital currency is implemented based on a security unit.
12. An apparatus for vehicle-mounted payment based on digital currency, comprising:
the first connection module is used for establishing communication connection with a business user end through wireless communication;
the information sending module is used for sending the shopping information to the merchant terminal so as to enable the merchant terminal to generate order information, and the order information comprises the amount to be paid and the money collection wallet mark;
the authorization module is used for receiving order information sent by the merchant terminal and requesting user authorization;
the encrypted character string generating module is used for responding to an authorization instruction of a user and generating a digital currency encrypted character string according to the amount to be paid;
and the payment module is used for sending the digital currency encryption character string to the merchant terminal according to the money collection wallet identifier so as to complete vehicle-mounted payment.
13. An apparatus for vehicle-mounted payment based on digital currency, comprising:
the second connection module is used for establishing communication connection with the payment vehicle end through wireless communication;
the order generation module is used for generating order information according to the received shopping information sent by the payment vehicle terminal, and the order information comprises the amount to be paid and a money collection wallet mark;
the order sending module is used for sending the order information to the payment vehicle end so that the payment vehicle end sends a digital currency encryption character string to the money receiving wallet according to an authorization instruction of a user, and the digital currency encryption character string is generated according to the amount to be paid;
and the encryption character string receiving module is used for receiving the digital currency encryption character string sent by the payment vehicle terminal, verifying and storing the digital currency encryption character string and finishing vehicle-mounted payment.
14. The system for vehicle payment based on digital currency is characterized by comprising a payment vehicle end and a merchant end, wherein,
the payment vehicle end is used for: establishing wireless communication connection with a merchant terminal; sending shopping information to the merchant terminal; requesting user authorization according to the order information, generating a digital currency encryption character string according to the amount to be paid based on an authorization instruction of the user, and sending the digital currency encryption character string to the merchant terminal according to the money collection wallet identifier;
the merchant terminal is used for: establishing wireless communication connection with the payment vehicle terminal; generating order information according to the shopping information, and sending the order information to the payment vehicle terminal, wherein the order information comprises the amount to be paid and a money collection wallet mark; and verifying and saving the received digital currency encryption character string to finish vehicle-mounted payment.
15. A mobile electronic device terminal, comprising:
one or more processors;
a storage device for storing one or more programs,
when executed by the one or more processors, cause the one or more processors to implement the method of any one of claims 1-11.
16. A computer-readable medium, on which a computer program is stored, which, when being executed by a processor, carries out the method according to any one of claims 1-11.
CN202210234506.3A 2022-03-10 2022-03-10 Vehicle-mounted payment method, device and system based on digital currency Pending CN114819952A (en)

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Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2024046282A1 (en) * 2022-08-29 2024-03-07 中国人民银行数字货币研究所 Ultra-wideband-based payment method and apparatus, computer device, and payment terminal

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2024046282A1 (en) * 2022-08-29 2024-03-07 中国人民银行数字货币研究所 Ultra-wideband-based payment method and apparatus, computer device, and payment terminal

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