CN117314401A - Non-inductive payment method - Google Patents

Non-inductive payment method Download PDF

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Publication number
CN117314401A
CN117314401A CN202311061550.XA CN202311061550A CN117314401A CN 117314401 A CN117314401 A CN 117314401A CN 202311061550 A CN202311061550 A CN 202311061550A CN 117314401 A CN117314401 A CN 117314401A
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CN
China
Prior art keywords
fueling
oiling
paid
payment
order information
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Pending
Application number
CN202311061550.XA
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Chinese (zh)
Inventor
马万龙
牛立
王石峰
罗赛
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Shandong Energy Chain Holding Co ltd
Original Assignee
Chezhubang Beijing Technology Co Ltd
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Chezhubang Beijing Technology Co Ltd filed Critical Chezhubang Beijing Technology Co Ltd
Priority to CN202311061550.XA priority Critical patent/CN117314401A/en
Publication of CN117314401A publication Critical patent/CN117314401A/en
Pending legal-status Critical Current

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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
    • G06Q20/08—Payment architectures
    • G06Q20/085—Payment architectures involving remote charge determination or related payment systems
    • G06Q20/0855—Payment architectures involving remote charge determination or related payment systems involving a third party
    • 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
    • G06Q20/08—Payment architectures
    • G06Q20/20—Point-of-sale [POS] network systems
    • 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
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/341—Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
    • 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
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/352—Contactless payments by cards
    • 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
    • G06Q20/3829—Payment protocols; Details thereof insuring higher security of transaction involving key management

Abstract

The invention provides a non-inductive payment method, which comprises the following steps: receiving a fueling request message; obtaining target user account information corresponding to the tag ID according to the tag ID; inquiring whether pre-fueling order information to be paid corresponding to the gas station ID, the oil gun ID and the target user account information exists or not according to the gas station ID, the oil gun ID and the target user account information; when pre-fueling order information to be paid corresponding to a fueling station ID and a fueling gun ID exists in the target user account information, generating a first confirmation message; the first confirmation message includes a refuel liter of pre-refuel; and sending the first confirmation message to the oiling equipment to instruct the oiling equipment to carry out oiling according to the oiling lifting number of the pre-oiling, and sending the pre-oiling order information to be paid to the third party server after the oiling is completed so as to enable the third party server to carry out the secret payment. Therefore, queuing waiting during payment after oiling is completed is avoided, and oiling efficiency is improved.

Description

Non-inductive payment method
The present application is a divisional application of chinese patent application with application number "202010313500.6", application number "no-sense payment method", 20 th year 04 of 2020.
Technical Field
The invention relates to the field of payment, in particular to a non-inductive payment method for a gas station.
Background
People can see the warning words of 'forbidden smoke' at the gas station, and frequently see the related slogans of 'forbidden to get on the mobile phone', and the gas station is a special place and is easy to cause the leakage of explosive gases such as gasoline, natural gas and the like. In the prior art, users often need to pay off the vehicle after finishing adding oil, and the time paid for most of the time even exceeds the time of adding oil, especially in the peak period of adding oil, certain congestion can be caused, so that the working efficiency of a gas station can be greatly improved by improving the payment efficiency, and the congestion problem is relieved.
Disclosure of Invention
The embodiment of the invention aims to provide a non-inductive payment method so as to avoid the problems of queuing congestion and low oiling efficiency in the oiling process of a gas station in the prior art.
To solve the above problems, in a first aspect, the present invention provides a non-inductive payment method, the method comprising:
receiving a fueling request message; the oiling request message comprises a tag ID, a gas station ID and a gun ID;
inquiring a preset tag ID and user account information comparison table according to the tag ID to obtain target user account information corresponding to the tag ID;
inquiring whether pre-fueling order information to be paid corresponding to the gas station ID, the oil gun ID and the target user account information exists according to the gas station ID, the oil gun ID and the target user account information; the pre-fueling order information to be paid includes a pre-fueling station ID, a pre-fueling gun ID, a pre-fueling liter, and a pre-fueling expense amount;
generating a first confirmation message when pre-fueling order information to be paid corresponding to the gas station ID and the gun ID exists in the target user account information; the first confirmation message includes a fueling boost number of the pre-fueling;
and sending the first confirmation message to the oiling equipment to instruct the oiling equipment to carry out oiling according to the oiling lifting number of the pre-oiling, and sending the pre-oiling order information to be paid to a third party server after the oiling is completed so as to enable the third party server to carry out the secret payment.
In one possible implementation, the method further includes before:
receiving pre-fueling order information sent by a user terminal; the pre-fueling order information includes a user ID, a pre-fueling station ID, a pre-fueling gun ID, a pre-fueling liter, and a pre-fueling expense amount;
inquiring credit capability information of user account information corresponding to the user ID according to the user ID; the credit ability information includes a credit score of the user;
when the credit score is not smaller than a preset score threshold value, inquiring first payment capability information of a payment account of a user corresponding to the user account information;
and generating pre-fueling order information to be paid when the first payment capability information is not less than the consumption amount of the pre-fueling.
In one possible implementation, the method further includes:
inquiring credit capability information of a user ID corresponding to the target user account information according to the target user account information when pre-fueling order information to be paid corresponding to the gas station ID and the oil gun ID does not exist; the credit ability information includes a credit score of the user;
inquiring second payment capability information of a payment account number of the user corresponding to the user ID when the credit score is not smaller than a preset score threshold value;
generating a second confirmation message when the second payment capability information is not smaller than a preset threshold value;
the second confirmation message is sent to a card reading device on the oil gun and is used for informing the card reading device to instruct the oil gun to refuel;
after the oiling is completed, generating oiling order information to be paid according to the ID of the gas station, the ID of the oil gun, the current oiling increment and the current expense amount;
and sending the oiling order information to be paid to a third party server so that the third party server performs the secret-free payment.
In one possible implementation manner, when the first payment capability information is not less than a consumption amount of a pre-fueling, or when the second payment capability information is not less than a preset threshold, the method further includes:
and generating a credential message through which the first payment capability information or the second payment capability information passes, and displaying the credential message.
In one possible implementation manner, before the pre-fueling order information to be paid is sent to a third party server, the method further includes:
transmitting the first public key, the server ID of the third party certification authority and the third party server ID to a server of the third party certification authority;
the server of the third party authentication mechanism encrypts the first public key through a preset private key to obtain a first public key encrypted by the server of the third party authentication mechanism;
the server of the third party authentication mechanism sends the first public key encrypted by the server of the third party authentication mechanism to a third party server according to the third party server ID;
the third party server decrypts the encrypted first public key through a preset public key to obtain the first public key; the preset public key is a preset public key of a server of the third party certification authority.
In one possible implementation manner, the sending the pre-fueling order information to be paid to a third party server specifically includes:
encrypting the pre-fueling order information to be paid through a first symmetric key to obtain first encrypted data;
extracting the abstract of the pre-fueling order information to be paid to obtain the abstract of the pre-fueling order information to be paid;
signing the abstract through a first private key to obtain a signed abstract;
encrypting the first symmetric key through a second public key to obtain an encrypted first symmetric key;
packaging the first encrypted data, the signed digest and the encrypted first symmetric key to obtain encrypted data;
and sending the encrypted data to a third party server.
In one possible implementation, the method further comprises thereafter:
the third party server unpacks the encrypted data to obtain the first encrypted data, the signed digest and the encrypted first symmetric key;
decrypting the encrypted first symmetric key through a second private key to obtain a first symmetric key;
decrypting the first encrypted data through the first symmetric key to obtain pre-fueling order information to be paid;
extracting the abstract of the pre-fueling order information to be paid through an abstract algorithm to obtain an abstract to be compared;
decrypting the signed abstract through a first public key to obtain the abstract;
and comparing the abstract with the abstract to be compared, and determining that the abstract passes the security verification when the abstract and the abstract are equal to each other.
In a second aspect, the invention provides an apparatus comprising a memory for storing a program and a processor for performing the method of any of the first aspects.
In a third aspect, the invention provides a computer program product comprising instructions which, when run on a computer, cause the computer to perform the method according to any of the first aspects.
In a fourth aspect, the present invention provides a computer readable storage medium having a computer program stored thereon, which when executed by a processor performs a method according to any of the first aspects.
By applying the non-inductive payment method provided by the embodiment of the invention, a user can pre-establish pre-fueling order information to be paid, directly fueling when the acquired label is matched with the pre-fueling order information to be paid after analysis, and directly perform non-close payment through the pre-fueling order information to be paid after fueling is completed, thereby saving payment time, avoiding queuing waiting during payment after fueling is completed and improving fueling efficiency.
Drawings
Fig. 1 is a schematic flow chart of a non-inductive payment method according to an embodiment of the invention.
Detailed Description
The present application is described in further detail below with reference to the drawings and examples. It is to be understood that the specific embodiments described herein are merely illustrative of the invention and are not limiting of the invention. It should be noted that, for convenience of description, only the portions related to the present invention are shown in the drawings.
It should be noted that, in the case of no conflict, the embodiments and features in the embodiments may be combined with each other. The present application will be described in detail below with reference to the accompanying drawings in conjunction with embodiments.
The first, second, etc. numbers are merely distinguished and have no other meaning.
Fig. 1 is a schematic flow chart of a non-inductive payment method according to an embodiment of the invention. The method is applied to a scene of filling oil in a filling station. The execution subject of the method is a Point of sale (POS) system server with a calculation processing function. As shown in fig. 1, the method comprises the steps of:
step 110, receiving a refueling request message; wherein the fueling request message includes a tag ID, target user account information, a fueling station ID, and a fueling gun ID.
The station ID may be a number of stations, each station having a unique number. For example, the gas station number may be "1110".
The oil gun ID may include the number of the oil gun, and the oil gun may be divided into oil guns with different numbers according to the corresponding gasoline types, for example, 001 may correspond to 92 # gasoline, 002 may correspond to 95 # gasoline, and each oil filling device may have one or more oil guns, where when there are multiple oil guns, these oil guns may correspond to the same type of gasoline, and may also correspond to different types of gasoline. The structure of the gun ID may be a gas station id+a fueling device id+a gun number, for example, "1110012001" may have the meaning of: the gas station number "1110", the fueling device number "012", and the gun number "001" can be obtained from the gun ID, which gun is located under which fueling device in the gas station.
In this application, the received fueling request message may be sent by a card reader device on the fuel gun or by the fueling equipment. The oiling device is provided with a communication module and a processing module. The communication module in the oiling device can carry out data transmission with the POS system server and the oil gun.
When the oil filling request message is sent by the card reader on the oil gun, the card reader is arranged on the oil gun of the oil filling station, and the card reader comprises a card reader, a communication module and a memory, wherein the memory can store the ID of the oil filling station and the ID of the oil gun. The card reader can read and decode the label on the oil tank cover of the vehicle to obtain the label ID, and the communication module in the oil gun can package the label ID, the gas station ID in the memory and the oil gun ID to generate an oil filling request message and send the oil filling request message to the POS system server.
When the oiling request message is sent by the card reader on the oil gun, the card reader is arranged on the oil gun of the gas station and comprises a card reader and a communication module, the card reader can read and decode a label on the oil tank cover of the vehicle to obtain a label ID, the communication module in the oil gun can send the label ID to the communication module in the oiling equipment, the processing module on the oiling equipment packages the oil station ID, the oil gun ID and the label ID to generate the oiling request message, and sends the oiling request message to the POS system server.
Wherein the tag may be a radio frequency identification (Radio Frequency Identification, RFID) tag.
Step 120, according to the tag ID, inquiring a preset tag ID and user account information comparison table to obtain target user account information corresponding to the tag ID;
specifically, one tag ID may correspond to one piece of vehicle information including a vehicle identification (Identity document, ID) and vehicle type information. The vehicle ID is a unique vehicle identifier, which may be a license plate number or a globally unique number of the vehicle.
One tag ID corresponds to one piece of vehicle information, and one user may have one or more vehicles, that is, one user may have one tag ID or may have a plurality of tag IDs, but one user corresponds to only one piece of user account information. Therefore, after receiving the oiling request message, the POS system server unpacks the oiling request message, determines the user account information corresponding to the tag ID according to the tag ID, and takes the user account information corresponding to the current tag ID as target user account information.
The user account information may be an account number in a user's group oil APP stored in a POS system server, where the group oil APP is an application program for a driver to perform a fueling transaction.
And step 130, inquiring whether pre-fueling order information to be paid corresponding to the gas station ID, the oil gun ID and the target user account information exists according to the gas station ID, the oil gun ID and the target user account information.
Wherein the pre-fueling order information to be paid includes a pre-fueling station ID, a pre-fueling gun ID, a pre-fueling liter, and a pre-fueling expense amount.
Specifically, the POS system server may store pre-fueling order information to be paid, which is pre-established by the user. The user may establish the pre-fueling order information by performing an input operation on the user terminal, and when the pre-fueling order information is verified by the credit capability and the payment capability, the pre-fueling order information to be paid may be generated, and the user terminal may transmit the pre-fueling order information to be paid to the POS system server. Thus, after entering the gas station, the fueling can be directly performed when there is pre-fueling order information to be paid.
Thus, prior to step 130, the present application may further include the steps of:
receiving pre-fueling order information sent by a user terminal; the pre-fueling order information includes a user ID, a pre-fueling station ID, a pre-fueling gun ID, a pre-fueling liter, and a pre-fueling spending amount;
inquiring credit capability information of user account information corresponding to the user ID according to the user ID; the credit ability information includes a credit score of the user;
inquiring first payment capability information of a payment account of a user corresponding to user account information when the credit score is not smaller than a preset score threshold value;
and generating pre-fueling order information to be paid when the first payment capability information is not less than the amount of consumption of the pre-fueling.
The user terminal can be an intelligent terminal such as a mobile phone. The credit ability information may be a score of the credit ability of the user, e.g., the credit ability score may be generated from a payment record of the user, a credit record of the customer. For example, in the POS system server, the payment number, total amount, etc. may be generated as a credit score, and the credit record of the user at the bank may be generated as a credit score, and the credit capability information of the user may be obtained after the two credit scores are weighted and summed. The credit ability information is a dynamically changing data that can be changed with the user's payment record and credit record.
Thus, the POS system server, upon receiving the fueling request message, first queries to determine whether there is pre-fueling order information to be paid.
Step 140, when pre-fueling order information to be paid corresponding to the fueling station ID and the fueling gun ID exists in the target user account information, generating a first confirmation message; the first acknowledgment message includes a fueling boost for the pre-fueling.
In one example, the first confirmation message further includes a gun ID, and if there is pre-fueling order information to be paid, the first confirmation message may be generated according to a fueling up number of the pre-fueling in the pre-fueling order information to be paid, and the first confirmation message may be sent to the fueling device, or to a communication module in the card reading apparatus.
In another example, when there is no pre-fueling order information to be paid corresponding to the fueling station ID and the fueling gun ID, according to the target user account information, inquiring credit capability information of a user ID corresponding to the target user account information; the credit ability information includes a credit score of the user; inquiring second payment capability information of a payment account of the user corresponding to the user ID when the credit score is not smaller than a preset score threshold value; generating a second confirmation message when the second payment capability information is not smaller than a preset threshold value; sending a second confirmation message to a card reading device on the oil gun, wherein the second confirmation message is used for informing the card reading device to instruct the oil gun to refuel; after the oiling is completed, generating oiling order information to be paid according to the ID of the gas station, the ID of the oil gun, the current oiling increment and the current expense amount; and sending the oiling order information to be paid to a third-party server so that the third-party server can make the secret payment. In this case, the current fueling boost needs to be calculated later. By way of example and not limitation, the gun also has a processing unit therein that calculates a current fueling boost based on the fueling duration and fueling amount per second, and calculates a fueling amount based on the current fueling boost, thereby generating fueling order information to be paid and transmitting to a third party server.
Therefore, when the pre-fueling order information to be paid does not exist, the fueling order information to be paid can be generated, and the non-dense payment is completed, so that the fueling time is saved.
Further, when the first payment capability information is not less than the consumption amount of the pre-fueling, or when the second payment capability information is not less than a preset threshold, the application further includes: and generating a credential message through which the first payment capability information or the second payment capability information passes, and displaying the credential message. Therefore, according to the credential message, the payment capability verification is not needed in a period of time, so that the speed of the next payment is improved.
And step 150, sending the first confirmation message to the oiling equipment to instruct the oiling equipment to carry out oiling according to the oiling lifting number of the pre-oiling, and sending the pre-oiling order information to be paid to a third party server after the oiling is completed so as to enable the third party server to carry out the secret payment.
When the communication module in the oiling device receives the oiling lifting number of the pre-oiling, the oil gun can be controlled to carry out oiling.
In one example, when fueling is complete, the communication module may send a fueling complete message to the POS system server so that the POS system server determines that fueling is complete.
After receiving the oiling completion message, the POS system server may trigger pre-oiling order information to be paid preset before, and send the pre-oiling order information to the third party server to perform the non-secret payment.
The third party server may be a server of the payment system, for example, which type of server the third party server is specifically determined according to a payment mode selected by a user in the pre-fueling order information to be paid, when the payment mode is a payment device or a WeChat payment, the third party server may be a payment device or a WeChat server, and when the payment mode is a deposit card payment, the third party server may be a settlement server of a bank corresponding to the deposit card.
Further, before the pre-fueling order information to be paid is sent to the third party server, security verification between the POS system server and the third party server is also required. Before the security verification is performed, the security of the public key generated by the POS system server needs to be confirmed by the server of the third party certification authority. Verification of public key security may be performed by:
transmitting the first public key, the server ID of the third party certification authority and the third party server ID to a server of the third party certification authority;
the server of the third party certification authority encrypts the first public key through a preset private key to obtain the encrypted first public key of the server of the third party certification authority;
the server of the third party certification authority sends the first public key encrypted by the server of the third party certification authority to the third party server according to the third party server ID;
the third party server decrypts the encrypted first public key through a preset public key to obtain the first public key; the preset public key is a preset public key of a server of the third party certification authority.
Wherein the server of the third party certification authority previously sends the first public key to the POS system server and the third party server. Therefore, the security of the public key is ensured through the server of the third party authentication mechanism, and the security of the payment process is ensured.
The step of performing security verification on the private key is the same as the step of performing security verification on the public key, and will not be described here again.
Further, before the pre-fueling order information to be paid is sent to the third party server, encryption is performed to ensure the payment safety, and the encryption step of the POS system server is specifically as follows:
encrypting the pre-fueling order information to be paid through a first symmetric key to obtain first encrypted data;
extracting the abstract of the pre-fueling order information to be paid to obtain the abstract of the pre-fueling order information to be paid;
signing the abstract through a first private key to obtain a signed abstract;
encrypting the first symmetric key through the second public key to obtain an encrypted first symmetric key;
packaging the first encrypted data, the signed digest and the encrypted first symmetric key to obtain encrypted data;
and sending the encrypted data to a third party server.
Therefore, the order data is symmetrically encrypted through the first symmetric key, the abstract is asymmetrically encrypted through the first private key, and the first symmetric key is asymmetrically encrypted through the second public key, so that the safety of the data under multiple encryption is ensured.
Further, the third party server decrypts to ensure the payment safety, and the third party server decrypts as follows:
the third party server unpacks the encrypted data to obtain first encrypted data, a signed abstract and an encrypted first symmetric key;
decrypting the encrypted first symmetric key through the second private key to obtain a first symmetric key;
decrypting the first encrypted data through the first symmetric key to obtain pre-fueling order information to be paid;
extracting the abstract of the pre-fueling order information to be paid through an abstract algorithm to obtain an abstract to be compared;
decrypting the signed abstract through the first public key to obtain the abstract;
comparing the abstract with the abstract to be compared, and determining that the abstract passes the security verification when the abstract and the abstract are equal.
Therefore, the third party server decrypts the encrypted process, so that the safety of the payment process is ensured.
By applying the non-inductive payment method provided by the embodiment of the invention, a user can pre-establish pre-fueling order information to be paid, directly fueling when the acquired label is matched with the pre-fueling order information to be paid after analysis, and directly perform non-close payment through the pre-fueling order information to be paid after fueling is completed, thereby saving payment time, avoiding queuing waiting during payment after fueling is completed and improving fueling efficiency.
The second embodiment of the invention provides a device, which comprises a memory and a processor, wherein the memory is used for storing programs, and the memory can be connected with the processor through a bus. The memory may be non-volatile memory, such as a hard disk drive and flash memory, in which software programs and device drivers are stored. The software program can execute various functions of the method provided by the embodiment of the invention; the device driver may be a network and interface driver. The processor is configured to execute a software program, where the software program is executed to implement the method provided in the first embodiment of the present invention.
A third embodiment of the present invention provides a computer program product containing instructions, which when executed on a computer, cause the computer to perform the method provided by the first embodiment of the present invention.
The fourth embodiment of the present invention provides a computer readable storage medium, where a computer program is stored, and when the computer program is executed by a processor, the method provided in the first embodiment of the present invention is implemented.
Those of skill would further appreciate that the various illustrative elements and algorithm steps described in connection with the embodiments disclosed herein may be implemented as electronic hardware, computer software, or combinations of both, and that the various illustrative elements and steps are described above generally in terms of function in order to clearly illustrate the interchangeability of hardware and software. Whether such functionality is implemented as hardware or software depends upon the particular application and design constraints imposed on the solution. Skilled artisans may implement the described functionality in varying ways for each particular application, but such implementation decisions should not be interpreted as causing a departure from the scope of the present invention.
The steps of a method or algorithm described in connection with the embodiments disclosed herein may be embodied in hardware, in a software module executed by a processor, or in a combination of the two. The software modules may be disposed in Random Access Memory (RAM), memory, read Only Memory (ROM), electrically programmable ROM, electrically erasable programmable ROM, registers, hard disk, a removable disk, a CD-ROM, or any other form of storage medium known in the art.
The foregoing detailed description of the invention has been presented for purposes of illustration and description, and it should be understood that the invention is not limited to the particular embodiments disclosed, but is intended to cover all modifications, equivalents, alternatives, and improvements within the spirit and principles of the invention.

Claims (8)

1. A method of non-inductive payment, the method comprising:
receiving pre-fueling order information sent by a user terminal; the pre-fueling order information includes a user ID, a pre-fueling station ID, a pre-fueling gun ID, a pre-fueling liter, and a pre-fueling expense amount;
inquiring credit capability information of user account information corresponding to the user ID according to the user ID; the credit ability information comprises credit scores of users, wherein the credit scores are generated by weighting and summing a first credit score determined by using historical payment times and total amount and a second credit score determined by using credit records of banks;
when the credit score is not smaller than a preset score threshold value, inquiring first payment capability information of a payment account of a user corresponding to the user account information;
generating pre-fueling order information to be paid when the first payment capability information is not less than the amount of consumption of the pre-fueling;
receiving a fueling request message; the oiling request message comprises a tag ID, a gas station ID and a gun ID;
inquiring a preset tag ID and user account information comparison table according to the tag ID to obtain target user account information corresponding to the tag ID;
inquiring whether pre-fueling order information to be paid corresponding to the gas station ID, the oil gun ID and the target user account information exists according to the gas station ID, the oil gun ID and the target user account information; the pre-fueling order information to be paid includes a pre-fueling station ID, a pre-fueling gun ID, a pre-fueling liter, and a pre-fueling expense amount;
generating a first confirmation message when pre-fueling order information to be paid corresponding to the gas station ID and the gun ID exists in the target user account information; the first confirmation message includes a fueling boost number of the pre-fueling;
and sending the first confirmation message to the oiling equipment to instruct the oiling equipment to carry out oiling according to the oiling lifting number of the pre-oiling, and sending the pre-oiling order information to be paid to a third party server after the oiling is completed so as to enable the third party server to carry out the secret payment.
2. The method according to claim 1, wherein the method further comprises:
inquiring credit capability information of a user ID corresponding to the target user account information according to the target user account information when pre-fueling order information to be paid corresponding to the gas station ID and the oil gun ID does not exist; the credit ability information includes a credit score of the user;
inquiring second payment capability information of a payment account number of the user corresponding to the user ID when the credit score is not smaller than a preset score threshold value;
generating a second confirmation message when the second payment capability information is not smaller than a preset threshold value;
the second confirmation message is sent to a card reading device on the oil gun and is used for informing the card reading device to instruct the oil gun to refuel;
after the oiling is completed, generating oiling order information to be paid according to the ID of the gas station, the ID of the oil gun, the current oiling increment and the current expense amount;
and sending the oiling order information to be paid to a third party server so that the third party server performs the secret-free payment.
3. The method of claim 1, wherein the method further comprises, when the first payment capability information is not less than a pre-fueling consumption amount, or when the second payment capability information is not less than a pre-set threshold:
and generating a credential message through which the first payment capability information or the second payment capability information passes, and displaying the credential message.
4. The method of claim 1, wherein prior to the sending the pre-fueling order information to be paid to a third party server, the method further comprises:
transmitting the first public key, the server ID of the third party certification authority and the third party server ID to a server of the third party certification authority;
the server of the third party authentication mechanism encrypts the first public key through a preset private key to obtain a first public key encrypted by the server of the third party authentication mechanism;
the server of the third party authentication mechanism sends the first public key encrypted by the server of the third party authentication mechanism to a third party server according to the third party server ID;
the third party server decrypts the encrypted first public key through a preset public key to obtain the first public key; the preset public key is a preset public key of a server of the third party certification authority.
5. The method of claim 1, wherein said transmitting the pre-fueling order information to be paid to a third party server comprises:
encrypting the pre-fueling order information to be paid through a first symmetric key to obtain first encrypted data;
extracting the abstract of the pre-fueling order information to be paid to obtain the abstract of the pre-fueling order information to be paid;
signing the abstract through a first private key to obtain a signed abstract;
encrypting the first symmetric key through a second public key to obtain an encrypted first symmetric key;
packaging the first encrypted data, the signed digest and the encrypted first symmetric key to obtain encrypted data;
and sending the encrypted data to a third party server.
6. The method according to claim 5, characterized in that the method further comprises after:
the third party server unpacks the encrypted data to obtain the first encrypted data, the signed digest and the encrypted first symmetric key;
decrypting the encrypted first symmetric key through a second private key to obtain a first symmetric key;
decrypting the first encrypted data through the first symmetric key to obtain pre-fueling order information to be paid;
extracting the abstract of the pre-fueling order information to be paid through an abstract algorithm to obtain an abstract to be compared;
decrypting the signed abstract through a first public key to obtain the abstract;
and comparing the abstract with the abstract to be compared, and determining that the abstract passes the security verification when the abstract and the abstract are equal to each other.
7. A non-inductive payment device, characterized in that the device comprises a memory for storing a program and a processor for performing the non-inductive payment method according to any of claims 1-6.
8. A computer readable storage medium, characterized in that the computer readable storage medium has stored thereon a computer program which, when executed by a processor, implements the non-inductive payment method according to any of claims 1-6.
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