CN114881622A - Automatic payment method and device based on digital currency and storage medium - Google Patents
Automatic payment method and device based on digital currency and storage medium Download PDFInfo
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- CN114881622A CN114881622A CN202210500755.2A CN202210500755A CN114881622A CN 114881622 A CN114881622 A CN 114881622A CN 202210500755 A CN202210500755 A CN 202210500755A CN 114881622 A CN114881622 A CN 114881622A
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- 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
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- 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
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
- G06Q20/102—Bill distribution or payments
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- 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
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- 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
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Abstract
The invention discloses a method, a device and a computer readable storage medium for automatic payment based on digital currency, which are applied to a vehicle with an internet function and comprise the following steps: acquiring fee payment authorization information of a digital currency wallet corresponding to the vehicle; receiving a fee payment request initiated by a preset fee collection terminal, and performing security verification of fee payment according to the fee payment authorization information; and after the security verification is passed, controlling a carrier corresponding to the digital currency wallet to execute the operation of fee automatic payment to the fee collection terminal in a secret-free manner. The invention can realize the combination of the vehicle with the internet function and the digital currency to lead the vehicle to use the digital currency to carry out the online automatic payment of the related fee, thereby further popularizing and popularizing the application of the digital currency.
Description
Technical Field
The present invention relates to the field of digital currency based automatic payment technology, and more particularly, to a digital currency based automatic payment method, apparatus and computer readable storage medium.
Background
With the definition of digital currency by the central row of china as the legal currency, online payment using digital currency has long been one of the preferred ways to pay fees quickly for many users. Further, on the other hand, with the widespread use of the internet-enabled automobile, it is becoming more and more popular to automatically pay various fees related to the vehicle on-line based on the vehicle identification.
Based on this, how to combine the vehicle with internet function to use digital currency to perform online automatic payment of vehicle-related fees, so as to further popularize and promote the application of digital currency, the technology problem that the industry is urgent to solve has been apparently existed.
Disclosure of Invention
Embodiments of the present invention provide a method and an apparatus for automatic payment of fees based on digital money, and a computer-readable storage medium, which are intended to combine with a vehicle having an internet function to perform online automatic payment of fees related to the vehicle using digital money, thereby further popularizing and promoting applications of digital money.
The embodiment of the invention provides an automatic payment method based on digital currency, which is applied to a vehicle with an internet function and comprises the following steps:
acquiring fee payment authorization information of a digital currency wallet corresponding to the vehicle;
receiving a fee payment request initiated by a preset fee collection terminal, and performing security verification of fee payment according to the fee payment authorization information;
and after the security verification is passed, controlling a carrier corresponding to the digital currency wallet to execute the operation of fee automatic payment to the fee collection terminal in a secret-free manner.
In one embodiment, the step of obtaining the payment authorization information of the digital money wallet corresponding to the vehicle includes:
outputting an authorization prompt for the digital currency wallet for password-free automatic payment, and receiving a confirmation indication based on the authorization prompt feedback;
acquiring vehicle information and user information corresponding to the vehicle according to the confirmation instruction;
packaging the vehicle information and the user information as fee payment authorization information of the digital money wallet.
In one embodiment, after the step of packaging the vehicle information and the user information as the fee payment authorization information of the digital money wallet, the fee automatic payment method further includes:
storing the fee payment authorization information on a carrier corresponding to the digital currency wallet;
the step of performing security verification of the fee payment according to the fee payment authorization information includes:
detecting the information type of the verification information carried in the expense payment request;
and extracting the vehicle information from the carrier according to the information type to perform safety verification of fee payment, or extracting the vehicle information and the user information from the carrier according to the information type to perform the safety verification.
In one embodiment, the information types include: position information, the vehicle information including: the step of extracting the vehicle information from the carrier according to the information type for safety verification of fee payment comprises the following steps:
acquiring real-time position information of the vehicle according to the position information, and extracting an identifier of the vehicle from the carrier;
and comparing the identifier of the vehicle with the vehicle identifier carried in the expense payment request, and comparing the position information with the real-time position information to verify the safety of expense payment.
In one embodiment, the information types include: biometric information, the vehicle information including: the identification of the vehicle, the user information comprising: the step of extracting the vehicle information and the user information from the carrier according to the information type to perform the security verification comprises the following steps:
extracting the identification of the vehicle and the user biological characteristic information from the carrier according to the biological characteristic information;
and comparing the identifier of the vehicle with the vehicle identifier carried in the fee payment request, and comparing the biological characteristic information with the user biological characteristic information to verify the security of fee payment.
In one embodiment, the information types include: biometric information, the vehicle information including: the identification of the vehicle, the user information comprising: the step of extracting the vehicle information and the user information from the carrier according to the information type to perform the security verification comprises the following steps:
extracting the identification of the vehicle and the user biological characteristic information from the carrier according to the biological characteristic information;
and comparing the identifier of the vehicle with the vehicle identifier carried in the fee payment request, and comparing the biological characteristic information with the user biological characteristic information to verify the security of fee payment.
In one embodiment, the carrier for the digital currency wallet comprises: a SIM (Subscriber Identity Module, card is an IC card held by a mobile Subscriber of the GSM system, called Subscriber Identity card), configured on the vehicle-mounted mobile terminal of the vehicle;
the step of controlling the carrier corresponding to the digital currency wallet to execute the operation of fee automatic payment without secret to the fee collection terminal includes:
controlling an SIM card on the vehicle-mounted mobile terminal to establish communication connection with the fee collection terminal;
and performing data interaction according to the communication connection so as to automatically pay the vehicle consumption expense corresponding to the expense payment request in a secret-free manner from the digital currency wallet.
In one embodiment, the automatic payment method further includes:
and constructing a binding relationship between the digital currency wallet and the SIM card so that the SIM card is used as a carrier corresponding to the digital currency wallet.
In one embodiment, the step of constructing a binding relationship between the digital money wallet and the SIM card comprises:
configuring a card identification of the SIM card as a wallet identification of the digital money wallet, wherein the card identification comprises: the SIM card comprises an Internet communication number corresponding to the SIM card, an MAC address corresponding to the SIM card and a custom identifier corresponding to the SIM card.
In addition, an embodiment of the present invention further provides an automatic fee payment apparatus based on digital currency, including: a memory, a processor and a computer program stored on the memory and executable on the processor, the processor when executing the computer program implementing the steps of the digital currency based automated fare payment method as described above.
Furthermore, an embodiment of the present invention also provides a computer-readable storage medium having stored thereon a computer program which, when being executed by a processor, implements the steps of the digital money-based automatic fare payment method as described above.
The automatic payment method based on digital currency provided by the embodiment of the invention is applied to a vehicle with an internet function, and comprises the following steps: acquiring fee payment authorization information of a digital currency wallet corresponding to the vehicle; receiving a fee payment request initiated by a preset fee collection terminal, and performing security verification of fee payment according to the fee payment authorization information; and after the security verification is passed, controlling a carrier corresponding to the digital currency wallet to execute the operation of fee automatic payment to the fee collection terminal in a secret-free manner.
In the embodiment of the invention, in the process of paying the fee related to the vehicle, the vehicle with the internet function firstly acquires the fee payment authorization information of the digital money wallet corresponding to the vehicle, then receives the fee payment request initiated by the preset fee collection terminal, further carries out the security verification of fee payment according to the acquired fee payment authorization information, and finally, after the security verification of the vehicle is passed, namely controls the carrier corresponding to the data money wallet to carry out the operation of carrying out fee automatic payment without secret on the fee collection terminal of the payment request through the internet function of the vehicle.
Therefore, the embodiment of the invention can realize the combination of the vehicle with the Internet function and the digital currency so as to lead the vehicle to use the digital currency to carry out the online automatic payment of the related expenses, thereby further popularizing and popularizing the application of the digital currency.
In addition, the automatic payment of the fee by using the digital currency through the vehicle not only can improve the payment efficiency and the payment safety of consumption related to vehicle service, but also can realize barrier-free passing of the vehicle in the payment and toll passing process by using the digital currency, and ensures the rapid passing in and out of the vehicle at a toll place, thereby further improving the use experience of the user on the vehicle.
Drawings
In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only some embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to the drawings without creative efforts.
FIG. 1 is a hardware architecture diagram of an automatic digital currency-based fee payment device according to an embodiment of the present invention;
FIG. 2 is a flow chart illustrating an embodiment of the digital currency based automated payment method of the present invention;
FIG. 3 is a detailed flowchart of step S10 according to an embodiment of the method for automatic payment of digital currency based fees;
FIG. 4 is a flow chart illustrating an alternative embodiment of the digital currency based automated payment method of the present invention;
FIG. 5 is a flowchart illustrating a detailed process of step S20 in an embodiment of the method for automatic payment based on digital currency according to the present invention;
FIG. 6 is a flowchart illustrating a detailed process of step S220 in the method for automatic payment based on digital currency according to an embodiment of the present invention;
FIG. 7 is a schematic view illustrating another detailed process of step S220 in an embodiment of the method for automatic payment based on digital currency according to the present invention;
fig. 8 is a flowchart illustrating a detailed process of step S30 in an embodiment of the method for automatic payment based on digital currency according to the present invention.
Detailed Description
For a better understanding of the above technical solutions, exemplary embodiments of the present disclosure will be described in more detail below with reference to the accompanying drawings. While exemplary embodiments of the present disclosure are shown in the drawings, it should be understood that the present disclosure may be embodied in various forms and should not be limited to the embodiments set forth herein. Rather, these embodiments are provided so that this disclosure will be thorough and complete, and will fully convey the scope of the disclosure to those skilled in the art.
The main solution of the invention is: the system comprises a vehicle with an internet function, a payment authorization module and a payment authorization module, wherein the vehicle acquires the payment authorization information of a digital currency wallet corresponding to the vehicle; receiving a fee payment request initiated by a preset fee collection terminal, and performing security verification of fee payment according to the fee payment authorization information; and after the security verification is passed, controlling a carrier corresponding to the digital currency wallet to execute the operation of fee automatic payment to the fee collection terminal in a secret-free manner.
The method comprises the steps that in the process of paying the fee related to a vehicle, the vehicle with the internet function firstly obtains fee payment authorization information of a digital money wallet corresponding to the vehicle, then receives a fee payment request initiated by a preset fee collection terminal, further carries out security verification of fee payment according to the obtained fee payment authorization information, and finally, after the security verification of the vehicle is passed, namely, controls a carrier corresponding to the data money wallet to carry out the operation of carrying out fee automatic payment to the fee collection terminal initiating the fee payment request in a secret-free mode through the internet function of the vehicle.
Therefore, the invention can realize the combination of the vehicle with the internet function and the digital currency so as to lead the vehicle to use the digital currency to carry out the online automatic payment of the related fee, thereby further popularizing and popularizing the application of the digital currency. In addition, the automatic payment of the vehicle by using the digital currency can improve the payment efficiency and the payment safety of consumption related to vehicle service, realize barrier-free passing of the vehicle in the payment and toll passing process by using the digital currency, and ensure the rapid passing in and out of the vehicle in a toll place, thereby further improving the use experience of a user on the vehicle.
As one implementation, the digital currency based automated fare payment device may be as in fig. 1.
The embodiment scheme of the invention relates to an automatic fee payment device based on digital currency, which comprises: a processor 101, e.g. a CPU, a memory 102, a communication bus 103. Wherein a communication bus 103 is used for enabling the connection communication between these components.
The memory 102 may be a high-speed RAM memory or a non-volatile memory (e.g., a disk memory). As in fig. 1, a computer program may be included in the memory 103, which is a computer-readable storage medium; and the processor 101 may be configured to invoke the computer program stored in the memory 102 and perform the following operations:
acquiring fee payment authorization information of a digital currency wallet corresponding to the vehicle;
receiving a fee payment request initiated by a preset fee collection terminal, and performing security verification of fee payment according to the fee payment authorization information;
and after the security verification is passed, controlling a carrier corresponding to the digital currency wallet to execute the operation of fee automatic payment to the fee collection terminal in a secret-free manner.
In one embodiment, the processor 101 may be configured to invoke a computer program stored in the memory 102 and perform the following operations:
outputting an authorization prompt for the digital currency wallet for password-free automatic payment, and receiving a confirmation indication based on the authorization prompt feedback;
acquiring vehicle information and user information corresponding to the vehicle according to the confirmation instruction;
packaging the vehicle information and the user information as fee payment authorization information of the digital money wallet.
In one embodiment, the processor 101 may be configured to invoke a computer program stored in the memory 102 to perform the following further after performing the step of packaging the vehicle information and the user information as the payment authorization information for the digital money wallet:
storing the fee payment authorization information on a carrier corresponding to the digital currency wallet;
the processor 101 may be configured to invoke a computer program stored in the memory 102 and perform the following operations:
detecting the information type of the verification information carried in the expense payment request;
and extracting the vehicle information from the carrier according to the information type to perform safety verification of fee payment, or extracting the vehicle information and the user information from the carrier according to the information type to perform the safety verification.
In one embodiment, the information types include: location information, the vehicle information including: the identity of the vehicle, the processor 101 may be configured to invoke a computer program stored in the memory 102 and perform the following operations:
acquiring real-time position information of the vehicle according to the position information, and extracting an identifier of the vehicle from the carrier;
and comparing the identifier of the vehicle with the vehicle identifier carried in the expense payment request, and comparing the position information with the real-time position information to verify the safety of expense payment.
In one embodiment, the information types include: biometric information, the vehicle information including: the identification of the vehicle, the user information comprising: the processor 101 may be configured to invoke a computer program stored in the memory 102 and perform the following operations according to the biometric information of the user corresponding to the vehicle:
extracting the identification of the vehicle and the user biological characteristic information from the carrier according to the biological characteristic information;
and comparing the identifier of the vehicle with the vehicle identifier carried in the fee payment request, and comparing the biological characteristic information with the user biological characteristic information to verify the security of fee payment.
In one embodiment, the carrier for the digital currency wallet comprises: the SIM card is configured on a vehicle-mounted mobile terminal of the vehicle; the processor 101 may be configured to invoke a computer program stored in the memory 102 and perform the following operations:
controlling an SIM card on the vehicle-mounted mobile terminal to establish communication connection with the fee collection terminal;
and performing data interaction according to the communication connection so as to automatically pay the vehicle consumption expense corresponding to the expense payment request in a secret-free manner from the digital currency wallet.
In one embodiment, the processor 101 may be configured to invoke a computer program stored in the memory 102 and perform the following operations:
and constructing a binding relationship between the digital currency wallet and the SIM card so that the SIM card is used as a carrier corresponding to the digital currency wallet.
In one embodiment, the processor 101 may be configured to invoke a computer program stored in the memory 102 and perform the following operations:
configuring a card identification of the SIM card as a wallet identification of the digital money wallet, wherein the card identification comprises: the SIM card comprises an Internet communication number corresponding to the SIM card, an MAC address corresponding to the SIM card and a custom identifier corresponding to the SIM card.
In the technical scheme of the embodiment, in the process of paying the fee related to the vehicle, the vehicle with the internet function firstly acquires the fee payment authorization information of the digital money wallet corresponding to the vehicle, then receives the fee payment request initiated by the preset fee collection terminal, further carries out the security verification of fee payment according to the acquired fee payment authorization information, and finally, after the security verification of the vehicle is passed, namely, controls the carrier corresponding to the data money wallet to carry out the operation of carrying out the automatic fee payment without secret to the fee collection terminal initiating the fee payment request through the internet function of the vehicle.
Therefore, the embodiment of the invention can realize the combination of the vehicle with the internet function and the digital currency so as to lead the vehicle to use the digital currency to carry out the online automatic payment of the related fee, thereby further popularizing and popularizing the application of the digital currency.
In addition, the automatic payment of the fee by using the digital currency through the vehicle not only can improve the payment efficiency and the payment safety of consumption related to vehicle service, but also can realize barrier-free passing of the vehicle in the payment and toll passing process by using the digital currency, and ensures the rapid passing in and out of the vehicle at a toll place, thereby further improving the use experience of the user on the vehicle.
In order to better understand the technical solution, the technical solution will be described in detail with reference to the drawings and the specific embodiments.
Referring to fig. 2, fig. 2 is a flowchart illustrating a method for automatically paying fees based on digital money according to a first embodiment of the present invention. The automatic payment method for fees based on digital money of the present invention is applied to a vehicle having an internet function (hereinafter, directly described as a vehicle substitute for the sake of convenience), and comprises the steps of:
step S10, obtaining the payment authorization information of the digital currency wallet corresponding to the vehicle;
in the embodiment, an automatic fee payment method based on digital currency is provided, which can realize online automatic payment of vehicle-related fees by using digital currency in combination with a vehicle with an internet function, so as to further popularize and promote application of digital currency.
In this embodiment, since the vehicle with the internet function may involve some occasions in which payment of fees related to the vehicle, such as parking fees, road tolls, charging fees, violation fines and the like, is required during the whole starting operation process, the vehicle acquires the fee payment authorization information of the digital money wallet corresponding to the vehicle, which is generated by the user of the vehicle performing corresponding operations in advance, after the starting operation.
In this embodiment, the vehicle can implement communication and data exchange with the vehicle external device through the vehicle-mounted mobile terminal configured in a standard manner, so as to have the internet function. For example, a vehicle with internet function configures a SIM card set by a communication company through a vehicle-mounted mobile terminal configured on the vehicle according to the requirements of a vehicle user, so that an application installed on the vehicle-mounted mobile terminal can communicate with a server outside the vehicle and exchange data with the server through the SIM card.
Further, referring to fig. 3, fig. 3 is a detailed flowchart illustrating a step S10 in an embodiment of the method for automatic payment based on digital currency according to the present invention, wherein in a possible embodiment, the step S10 may further include:
step S110, outputting an authorization prompt for carrying out secret-free automatic payment on the digital currency wallet, and receiving a confirmation instruction based on the feedback of the authorization prompt;
in this embodiment, the vehicle outputs an authorization prompt for the password-free automatic payment of the vehicle-related fee from the digital currency wallet corresponding to the vehicle to the user of the vehicle through the vehicle-mounted mobile terminal, so that the user performs feedback based on the authorization prompt, and the vehicle further receives a confirmation instruction fed back by the user.
Illustratively, the vehicle with the internet function is provided with a SIM card at a vehicle-mounted mobile terminal so as to be capable of communicating with an external server, and the SIM card is bound with a digital money wallet of a user of the vehicle so as to be used as a carrier of the digital money wallet, so that after a corresponding relationship is established between the vehicle and the digital money wallet, the vehicle outputs an authorization prompt for paying vehicle-related fees such as parking fee, road toll, charging fee and violation fine for the digital money wallet in a secret-free manner to the user at the mobile terminal during the starting operation process, and the user can make corresponding feedback after receiving the prompt, such as feedback of an abandoning indication of authorization or feedback of a confirmation indication of authorization, so that the vehicle receives the abandoning indication or the confirmation indication fed back by the user.
Step S120, collecting vehicle information and user information corresponding to the vehicle according to the confirmation instruction;
in this embodiment, after the vehicle receives the confirmation instruction of the user for the authorization prompt feedback, the vehicle information corresponding to the vehicle and the user information of the user of the vehicle are further collected according to the confirmation instruction.
For example, after receiving the confirmation indication fed back by the user, the vehicle determines that the user authorizes the carrier of the corresponding digital money wallet to pay the vehicle-related fee without secrecy, so that the vehicle further starts to acquire the identification of the vehicle, such as the license plate number of the vehicle, the electronic license plate number, and the ETC identification number of the vehicle, as the vehicle-corresponding vehicle information, and further acquires the user biometric information, such as the face, the fingerprint, and the like of the user of the vehicle, as the vehicle-corresponding user information.
Step S130 of packaging the vehicle information and the user information as fee payment authorization information of the digital money wallet.
In this embodiment, after the vehicle information and the user information corresponding to the vehicle are collected, the vehicle information and the user information are further packaged together as the vehicle user authorization information indicating that the vehicle-related fee can be paid in a digital money wallet without a secret.
It should be noted that, in a possible embodiment, the vehicle obtains the payment authorization information of the digital money wallet, and the vehicle may also obtain the payment authorization information of the digital money wallet through the vehicle-bound user mobile terminal. Illustratively, the vehicle issues an instruction to a pre-bound user mobile terminal through a cloud end to enable the mobile terminal to output the authorization prompt, the mobile terminal receives a giving-up instruction or a confirmation instruction fed back by a user, and the giving-up instruction and the confirmation instruction are returned to the vehicle through the cloud end, so that the vehicle further autonomously collects the vehicle information and the user information to package to obtain the fee payment authorization information, or the same vehicle further issues an instruction to the user mobile terminal through the cloud end to enable the mobile terminal to collect the vehicle information and the user information and return to the same vehicle, and then the vehicle packages the vehicle information and the user information to obtain the fee payment authorization information.
Step S20, receiving a fee payment request initiated by a preset fee collection terminal, and carrying out security verification of fee payment according to the fee payment authorization information;
in the embodiment, in various scenarios of paying the vehicle-related fee, the vehicle firstly receives a fee payment request initiated by a preset fee collection terminal based on the vehicle-related fee to be paid, so that the vehicle responds to the fee payment request to perform security verification for the operation of currently paying the vehicle-related fee according to the fee payment authorization information acquired in advance.
It should be noted that, in this embodiment, the preset fee collecting terminal may be: the system comprises an automatic charging terminal arranged at the entrance and exit position of a parking lot in a vehicle parking fee payment scene, an automatic charging terminal arranged at the entrance position of a road in a vehicle road toll payment scene, an automatic charging terminal arranged at the corresponding position of charging equipment in a vehicle charging fee payment scene, and an automatic charging terminal arranged at the corresponding position in a vehicle violation fine payment scene. The fee collection terminal can be used for carrying out communication and data interaction with a carrier of a digital currency wallet configured on a vehicle-mounted mobile terminal on the vehicle based on internet communication or near field communication so as to complete the payment and collection process of the related fee of the vehicle.
Further, referring to fig. 4, fig. 4 is a schematic flow chart illustrating another embodiment of the method for automatic payment based on digital currency according to the present invention. In a possible embodiment, after the step S130, the method for automatically paying a fee based on digital currency according to the present invention may further include:
step A, storing the expense payment authorization information on a carrier corresponding to the digital currency wallet;
in this embodiment, after the vehicle obtains the fee payment authorization information of the user for the digital money wallet through the vehicle information and the user information collected above, the vehicle further directly stores the fee payment authorization information on the carrier of the digital money wallet configured on the vehicle-mounted mobile terminal, so as to directly call for security verification of the payment operation when the vehicle-related fee is paid.
It should be noted that, in some possible embodiments, after obtaining the fee payment authorization information, the vehicle may store the fee payment authorization information in other locations instead of directly storing the fee payment authorization information on the carrier, as long as the vehicle can obtain the fee payment authorization information to perform security verification of the payment operation when performing the fee payment operation. For example, the vehicle may store the fee payment authorization information on a cloud server, so that when the vehicle-related fee is paid, the vehicle may download the fee payment authorization information from the cloud server to perform security verification of the payment operation.
Further, referring to fig. 5, fig. 5 is a detailed flowchart of step S20 in an embodiment of the method for automatic payment based on digital currency according to the present invention. In a possible embodiment, the step of "performing security verification of fee payment according to the fee payment authorization information" in the step S20 may include:
step S210, detecting the information type of the verification information carried in the expense payment request;
in the present embodiment, when the vehicle performs security verification of the operation of performing payment for the vehicle-related fee to be paid, the vehicle first detects the information type to which the verification information carried in the fee payment request initiated by the above-described fee collection terminal belongs.
It should be noted that, in this embodiment, when the fee collection terminal initiates a fee payment request for the vehicle-related fee to be paid generated by the vehicle, the fee collection terminal collects vehicle information such as a license plate number of the vehicle, an electronic license plate number of the vehicle, and an ETC identification number of the vehicle, and simultaneously collects location information of a site where the terminal is located, so as to use the vehicle information and the location information as verification information; or, the biological characteristic information of the face, the fingerprint and the like of the user of the vehicle is collected at the same time, so that the vehicle information and the biological characteristic information are used as verification information, and the verification information is packaged in the expense payment request and is synchronously sent to the vehicle.
Illustratively, after receiving a fee payment request initiated by a fee collection terminal, the vehicle parses the fee payment request to extract the verification information carried in the fee payment request, and further determines the information type of the verification information by detecting whether the verification information is vehicle information and location information or vehicle information and biometric information, i.e., the vehicle determines the information type as location information when detecting that the verification information is vehicle information and location information, or determines the information type as biometric information when detecting that the verification information is vehicle information and biometric information.
Step S220, extracting the vehicle information from the carrier according to the information type to perform security verification of payment of the fee, or extracting the vehicle information and the user information from the carrier according to the information type to perform the security verification.
In this embodiment, after the vehicle detects the information type to which the verification information carried by the fee payment request belongs to determine, and further when the determined information type is the location information, the vehicle information in the fee payment information is correspondingly extracted from the carrier storing the fee payment authorization information to perform security verification of the operation of currently paying the vehicle-related fee to be paid, or when the determined information type is the biometric information, the vehicle information and the user information in the fee payment information are correspondingly extracted from the carrier to perform the security verification.
Further, referring to fig. 6, fig. 6 is a detailed flowchart of step S220 in an embodiment of the method for automatic payment based on digital currency according to the present invention. In a possible embodiment, in the step S220, the step of "extracting the vehicle information from the carrier according to the information type for security verification of payment of the fee" may include:
step S2201, collecting real-time position information of the vehicle according to the position information, and extracting the identification of the vehicle from the carrier;
in this embodiment, when the vehicle determines that the information type of the verification information carried in the fee payment request initiated by the fee collection terminal is the location information through the above process, the vehicle extracts the location information collected by the fee collection terminal on the site from the verification information, and synchronously collects the real-time location information of the vehicle through the vehicle-mounted mobile terminal and extracts the identifier of the vehicle from the fee payment authorization information from the carrier storing the fee payment authorization information.
For example, after the vehicle detects that the verification information carried in the fee payment request sent by the fee collection terminal is the vehicle information and the location information, and thus determines that the information type is the location information, the vehicle extracts the location information from the verification information, and synchronously requests real-time GPS (Global Positioning System) information as the real-time location information of the vehicle through the vehicle-mounted mobile terminal, and meanwhile, the vehicle further extracts the vehicle identification such as the vehicle license plate number, the electronic license plate number, and the vehicle ETC identification number from the SIM card, which is the carrier storing the fee payment authorization information for the digital money wallet.
Step S2202, compares the identifier of the vehicle with the vehicle identifier carried in the fee payment request, and compares the location information with the real-time location information to verify the security of the fee payment.
In this embodiment, after the vehicle acquires the real-time location information and extracts the identifier of the vehicle from the carrier, the real-time location information is compared with the location information of the location where the terminal is located, which is carried in the payment request initiated by the payment terminal, and simultaneously the identifier of the vehicle is compared with the vehicle identifier, which is acquired in real time by the terminal and also carried in the payment request, so that the vehicle only determines to perform the security verification of the payment operation for the payment request when the real-time location information is consistent with the location information of the location where the terminal is located, and the identifier of the vehicle is also consistent with the vehicle identifier in the payment request.
Illustratively, when a fee collection terminal arranged at the entrance/exit position of a parking lot monitors that a vehicle needs to go out of the parking lot, the fee collection terminal collects vehicle identification such as a license plate number, an electronic license plate number or an ETC identification number of the vehicle, and GPS position information of the terminal in the site, then the fee collection terminal packages the collected vehicle identification as vehicle information and the collected GPS position information as verification information, and initiates a fee payment request for the parking fee to the vehicle together with the verification information and the calculated parking fee generated by the vehicle, after the vehicle receives the fee payment request, the vehicle detects and determines that the verification information carried by the fee payment request belongs to the type of position information according to the above process, and synchronously collects the current GPS information of the vehicle as real-time position information through a vehicle-mounted mobile terminal, and thus on the carrier-SIM card of the digital currency wallet that the vehicle carried the mobile terminal and disposed, withdraw the vehicle identification such as license plate number, electronic license plate number and ETC identification number of the vehicle in the authorization information of paying of the expenses that the SIM card stores, later, the vehicle compares the real-time position information of the vehicle with position information of the scene where the above-mentioned terminal of collecting expenses locates, and compare the identification of the vehicle with vehicle identification that the above-mentioned terminal of collecting expenses gathers, so, under the above-mentioned situation that compares and is identical, the vehicle confirms the security verification result of the operation aimed at paying the above-mentioned parking expense at present is passed for verifying.
Further, referring to fig. 7, fig. 7 is another detailed flowchart of step S220 in an embodiment of the method for automatic payment of fees based on digital currency according to the present invention, and in a possible embodiment, the step of "extracting the vehicle information and the user information from the carrier for the security verification according to the information type" in step S220 may include:
step S2203, the identification of the vehicle and the user biological characteristic information are extracted from the carrier according to the biological characteristic information;
in this embodiment, when the vehicle determines that the information type of the verification information carried in the fee payment request initiated by the fee collection terminal is the biometric information through the above process, the vehicle extracts the biometric information of the vehicle user collected by the fee collection terminal on the site from the verification information, and synchronously extracts the vehicle identifier and the user biometric information from the fee payment authorization information from the carrier storing the fee payment authorization information.
Illustratively, after the vehicle detects that the verification information carried in the fee payment request sent by the fee collection terminal is the vehicle information and the biological characteristic information, so as to determine that the information type is the biological characteristic information, the vehicle extracts the biological characteristic information from the verification information, and synchronously extracts vehicle identifications such as a license plate number of the vehicle, an electronic license plate number and an ETC identification number of the vehicle, and user biological characteristic information such as a human face and a fingerprint of a user of the vehicle from the SIM card which is a carrier storing the fee payment authorization information of the digital currency wallet.
Step S2204, comparing the identifier of the vehicle with the vehicle identifier carried in the fee payment request, and comparing the biometric information with the biometric information of the user to verify the security of the fee payment.
In this embodiment, after the vehicle extracts the vehicle identifier and the user biometric information from the carrier, the vehicle identifier is compared with the vehicle identifier, which is acquired by the terminal in real time and is also carried in the fee payment request, and the user biometric information is compared with the biometric information of the vehicle user, which is acquired by the fee collection terminal, at the same time, so that the vehicle determines the security verification of the payment operation performed on the fee to be paid corresponding to the fee payment request only when the user biometric information is consistent with the biometric information acquired by the fee collection terminal and the vehicle identifier is also consistent with the vehicle identifier in the fee payment request.
Illustratively, when a fee collection terminal arranged at the entrance and exit position of the high-speed toll station monitors that a vehicle needs to pass through the high-speed toll station, the fee collection terminal collects vehicle identification such as a license plate number, an electronic license plate number or an ETC identification number of the vehicle, and biological characteristic information such as human faces or fingerprints of users in the vehicle, then the fee collection terminal packages the collected vehicle identification as vehicle information and the collected biological characteristic information as verification information, and sends a fee payment request for the road toll to the vehicle together with the verification information and the calculated road toll generated by the vehicle, after the vehicle receives the fee payment request, the vehicle detects and determines that the verification information carried by the fee payment request belongs to the type of biological characteristic information according to the process, and synchronizes the verification information is arranged on a SIM card which is a carrier of digital currency configured by a vehicle-mounted wallet mobile terminal, and extracting vehicle identifications such as a vehicle license plate number, an electronic license plate number and an ETC identification number of the vehicle in the expense payment authorization information stored by the SIM card, and user biological characteristic information such as a face and a fingerprint of a user of the vehicle, then comparing the user biological characteristic information with the biological characteristic information acquired by the expense collection terminal by the vehicle, and comparing the vehicle identifications with the vehicle identifications acquired by the expense collection terminal, so that the vehicle confirms that the safety verification result of the current operation for paying the parking expense is verified to be passed under the condition that the comparison is consistent.
And step S30, after passing the security verification, controlling the carrier corresponding to the digital currency wallet to execute an operation of fee automatic payment to the fee collection terminal without secret.
In this embodiment, after the vehicle passes the security verification for the operation of currently paying the vehicle-related fee, the carrier corresponding to the digital currency wallet is further controlled to perform communication and data interaction with the fee collection terminal initiating the fee payment request through the internet function so as to avoid performing the operation of automatically paying the fee, that is, the vehicle-related fee is automatically paid to the fee collection terminal without secret.
Further, referring to fig. 8, fig. 8 is a schematic diagram illustrating a detailed flow of step S30 in an embodiment of the method for automatic payment of fees based on digital currency according to the present invention, wherein in a possible embodiment, the step of "controlling the carrier corresponding to the digital currency wallet to perform an automatic payment of fees to the fee collection terminal without secret" in step S30 may include:
step S310, controlling an SIM card on the vehicle-mounted mobile terminal to establish communication connection with the fee collection terminal;
in the present embodiment, the vehicle immediately controls the in-vehicle mobile terminal equipped with the SIM card as a carrier of the vehicle-corresponding digital money wallet after the security verification by the operation of paying the vehicle-related fee corresponding to the current fee payment request according to the above-described procedure, and establishes a communication connection with the fee collection terminal that originated the fee payment request by means of the internet function based on the SIM card.
Illustratively, the vehicle controls the in-vehicle mobile terminal to establish a communication connection capable of data interaction with the vehicle charging apparatus, which is a fee collection terminal that issues a fee payment request including the charging fee, based on the internet function provided by the SIM card configured as the digital money wallet after passing the security verification of the operation of paying the charging fee for the vehicle in accordance with the same procedure as the security verification of the operation of paying the parking fee or the road toll in the above-described scene of paying the parking fee or the road toll.
And step S320, performing data interaction according to the communication connection so as to automatically pay the vehicle consumption expense corresponding to the expense payment request in a secret-free manner from the digital currency wallet.
In this embodiment, after the vehicle controls the communication connection between the SIM card configured on the in-vehicle mobile terminal and the fee collection terminal, the vehicle further performs data interaction with the fee collection terminal through the SIM card according to the communication connection, so that vehicle-related fees such as parking fees, road passing fees, charging fees and the like corresponding to the fee payment request initiated by the fee collection terminal currently are automatically paid to the fee collection terminal from the digital currency wallet corresponding to the SIM card in a non-confidential manner.
Illustratively, after the vehicle establishes a communication link between the SIM and the charge collection terminal-vehicle charging device in the charging scenario, the vehicle further generates a payment data voucher of the charging fee contained in the fee payment request initiated by the vehicle charging equipment based on the corresponding digital currency wallet of the vehicle through the SIM card in a secret-free mode, the payment data voucher is then transferred to the vehicle charging apparatus via the communication connection and the amount of the charge represented by the payment data voucher is synchronously deducted in the digital money wallet, after receiving the payment data certificate, the vehicle charging device can receive the charging fee by checking the bank or other financial platform to which the data currency wallet belongs through the internet function of the vehicle charging device, and thus, the charging fee generated by the vehicle can be paid automatically without secret from the digital currency wallet.
It should be noted that, in this embodiment, the method for automatically paying fees based on a digital money wallet of the present invention may further include:
and constructing a binding relationship between the digital currency wallet and the SIM card so that the SIM card is used as a carrier corresponding to the digital currency wallet.
Namely, the vehicle enables the SIM card to be used as a carrier corresponding to the data money wallet by constructing a binding relationship between the digital money wallet owned by the user and the SIM card configured on the vehicle-mounted mobile terminal in advance.
Further, in a possible embodiment, the step of constructing the binding relationship between the digital money wallet and the SIM card to make the SIM card as a corresponding carrier of the digital money wallet may include:
configuring a card identification of the SIM card as a wallet identification of the digital money wallet, wherein the card identification comprises: the SIM card comprises an Internet communication number corresponding to the SIM card, an MAC address corresponding to the SIM card and a custom identifier corresponding to the SIM card.
In this embodiment, when the vehicle constructs the binding relationship between the digital money wallet owned by the user and the SIM card configured on the vehicle-mounted mobile terminal, the vehicle configures the card identifier of the SIM card, such as the internet communication number corresponding to the SIM card, the MAC address corresponding to the SIM card, and the user-defined identifier corresponding to the SIM card (the biometric feature of the user of the digital money wallet, such as the identification number, the face, or the fingerprint), as the wallet identifier of the digital money wallet, so that the binding relationship between the SIM card and the digital money wallet is constructed, so that the SIM card is used as a carrier of the digital money wallet to implement the password-free automatic payment of the vehicle-related fees.
It should be noted that in any other scenario of paying the vehicle-related fee, the vehicle may complete the process of paying the fee to the fee collecting terminal initiating the fee payment request without secret based on the processes set forth in the above embodiments, and the scenarios of paying the vehicle-related fee described in the above embodiments include but are not limited to: and paying parking fee, road toll, electric vehicle charging fee, refueling fee, car washing fee, fine and other scenes.
In the technical scheme of the embodiment, in the process of paying the fee related to the vehicle, the vehicle with the internet function firstly acquires the fee payment authorization information of the digital money wallet corresponding to the vehicle, then receives the fee payment request initiated by the preset fee collection terminal, further carries out the security verification of fee payment according to the acquired fee payment authorization information, and finally, after the security verification of the vehicle is passed, namely controls the carrier corresponding to the data money wallet to carry out the operation of carrying out fee automatic payment without secret to the fee collection terminal initiating the fee payment request through the internet function of the vehicle.
Therefore, the embodiment of the invention can realize the combination of the vehicle with the internet function and the digital currency so as to lead the vehicle to use the digital currency to carry out the online automatic payment of the related fee, thereby further popularizing and popularizing the application of the digital currency.
In addition, the automatic payment of the fee by using the digital currency through the vehicle not only can improve the payment efficiency and the payment safety of consumption related to vehicle service, but also can realize barrier-free passing of the vehicle in the payment and toll passing process by using the digital currency, and ensures the rapid passing in and out of the vehicle at a toll place, thereby further improving the use experience of the user on the vehicle.
In order to achieve the above object, an embodiment of the present invention further provides an automatic fee payment apparatus based on digital currency, including: a memory, a processor and a computer program stored on the memory and executable on the processor, the processor when executing the computer program implementing the steps of the digital currency based automated fare payment method as described above.
To achieve the above object, an embodiment of the present invention also provides a computer-readable storage medium having stored thereon a computer program, which, when being executed by a processor, implements the steps of the digital currency-based automatic fare payment method as described above.
As will be appreciated by one skilled in the art, embodiments of the present invention may be provided as a method, system, or computer program product. Accordingly, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present invention may take the form of a network configuration product program embodied on one or more computer-usable computer-readable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, etc.) having computer-usable program code embodied therein.
The present invention has been described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
It should be noted that in the claims, any reference signs placed between parentheses shall not be construed as limiting the claim. The word "comprising" does not exclude the presence of elements or steps not listed in a claim. The word "a" or "an" preceding an element does not exclude the presence of a plurality of such elements. The invention may be implemented by means of hardware comprising several distinct elements, and by means of a suitably programmed computer. In the unit claims enumerating several means, several of these means may be embodied by one and the same item of hardware. The usage of the words first, second and third, etcetera do not indicate any ordering. These words may be interpreted as names.
While preferred embodiments of the present invention have been described, additional variations and modifications in those embodiments may occur to those skilled in the art once they learn of the basic inventive concepts. Therefore, it is intended that the appended claims be interpreted as including preferred embodiments and all such alterations and modifications as fall within the scope of the invention.
It will be apparent to those skilled in the art that various changes and modifications may be made in the present invention without departing from the spirit and scope of the invention. Thus, if such modifications and variations of the present invention fall within the scope of the claims of the present invention and their equivalents, the present invention is also intended to include such modifications and variations.
Claims (10)
1. An automatic payment method for fees based on digital money applied to a vehicle having an internet function, the automatic payment method for fees comprising the steps of:
acquiring fee payment authorization information of a digital currency wallet corresponding to the vehicle;
receiving a fee payment request initiated by a preset fee collection terminal, and performing security verification of fee payment according to the fee payment authorization information;
and after the security verification is passed, controlling a carrier corresponding to the digital currency wallet to execute the operation of fee automatic payment to the fee collection terminal in a secret-free manner.
2. The automatic fare payment method according to claim 1, wherein the step of obtaining the fare payment authorization information of the digital money wallet corresponding to the vehicle includes:
outputting an authorization prompt for the digital currency wallet for password-free automatic payment, and receiving a confirmation indication based on the authorization prompt feedback;
acquiring vehicle information and user information corresponding to the vehicle according to the confirmation instruction;
packaging the vehicle information and the user information as fee payment authorization information of the digital money wallet.
3. The automatic fare payment method according to claim 2, wherein after the step of packaging the vehicle information and the user information as the fare payment authorization information of the digital money wallet, the automatic fare payment method further comprises:
storing the fee payment authorization information on a carrier corresponding to the digital currency wallet;
the step of performing security verification of the fee payment according to the fee payment authorization information includes:
detecting the information type of the verification information carried in the expense payment request;
and extracting the vehicle information from the carrier according to the information type to perform safety verification of fee payment, or extracting the vehicle information and the user information from the carrier according to the information type to perform the safety verification.
4. A method for automated payment of a fee according to claim 3, wherein the type of information comprises: location information, the vehicle information including: the step of extracting the vehicle information from the carrier according to the information type for security verification of payment of the fee comprises the following steps:
acquiring real-time position information of the vehicle according to the position information, and extracting an identifier of the vehicle from the carrier;
and comparing the identifier of the vehicle with the vehicle identifier carried in the expense payment request, and comparing the position information with the real-time position information to verify the safety of expense payment.
5. A method for automated payment of a fee according to claim 3, wherein the type of information comprises: biometric information, the vehicle information including: the identification of the vehicle, the user information comprising: the step of extracting the vehicle information and the user information from the carrier according to the information type to perform the security verification comprises the following steps:
extracting the identification of the vehicle and the user biological characteristic information from the carrier according to the biological characteristic information;
and comparing the identifier of the vehicle with the vehicle identifier carried in the fee payment request, and comparing the biological characteristic information with the user biological characteristic information to verify the security of fee payment.
6. The automated payment method of claim 1, wherein the carrier for the digital currency wallet comprises: the SIM card is configured on a vehicle-mounted mobile terminal of the vehicle;
the step of controlling the carrier corresponding to the digital currency wallet to execute the operation of fee automatic payment without secret to the fee collection terminal includes:
controlling an SIM card on the vehicle-mounted mobile terminal to establish communication connection with the fee collection terminal;
and performing data interaction according to the communication connection so as to automatically pay the vehicle consumption expense corresponding to the expense payment request in a secret-free manner from the digital currency wallet.
7. The automatic payment method of claim 6, wherein the automatic payment method further comprises:
and constructing a binding relationship between the digital currency wallet and the SIM card so that the SIM card is used as a carrier corresponding to the digital currency wallet.
8. A method for automated payment of fees as recited in claim 7, wherein the step of constructing a binding relationship between the digital currency wallet and the SIM card comprises:
configuring a card identification of the SIM card as a wallet identification of the digital money wallet, wherein the card identification comprises: and at least one of an internet communication number corresponding to the SIM card, an MAC address corresponding to the SIM card and a custom identifier corresponding to the SIM card.
9. An automatic fee payment apparatus based on digital money, comprising: memory, processor and computer program stored on the memory and executable on the processor, the processor implementing the steps of the digital currency based automatic payment method as claimed in any one of claims 1 to 8 when executing the computer program.
10. A computer-readable storage medium, characterized in that a computer program is stored thereon, which, when being executed by a processor, carries out the steps of the digital currency-based automatic fare payment method according to any one of claims 1 to 8.
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