TW201812663A - In-vehicle payment system and method comprising a mobile apparatus, a store system, a cloud platform, and a payment system - Google Patents

Abstract

This invention discloses an in-vehicle payment system and method. The system comprises a mobile apparatus, a store system, a cloud platform, and a payment system. The mobile apparatus receives user boarding data comprising vehicle identification information and user identification information, and transmits it to the cloud platform; the store system identifies an incoming vehicle and generates order data; when a store confirms that a user uses an in-vehicle payment, the store system transmits the vehicle identification information and the order data to the cloud platform and requests for payment of the order; the cloud platform confirms that there is the user boarding data corresponding to the vehicle identification information, notifies the user in a vehicle of the order data requested by the store for payment confirmation, and the cloud platform receives user payment data, then requests the payment system for authentication and authorization, and returns a payment result to the store system and the mobile apparatus; and the store system receives a notification that the order has paid, such that service can be delivered to the user. As such, the inconvenience of getting off for queuing and cash change during user consumption may be avoided, and the risk of theft resulting from obtaining personal payment information of the user by the store may also be avoided.

Description

   System and method for in-vehicle payment   

The invention belongs to a system and method for in-vehicle payment, which can avoid the inconvenience of users having to get out of the queue and change when they consume, and can also avoid the risk of misappropriation when the store obtains the user's personal payment information.

Take a Taiwan patented vehicle positioning system and electronic toll architecture, patent number: TW 200705318 as an example. It is an expressway electronic toll collection method. After sensing the roadside equipment through a vehicle terminal and obtaining the vehicle position, the toll is calculated directly by the vehicle. The terminal chip card deducts the cost, but the terminal chip card for the car must be stored in advance, and the fee dispute will be caused when the user is not the owner.

A patented parking method in Taiwan. Patent number: TW 454160 as an example. The user must dial the back-end parking server with a mobile phone and enter the parking time and car number information. After the back-end parking server calculates the fee, The user deducts the account in advance, but the user must enter the consumption information by himself, and the back-end parking server can calculate the cost, which is quite inconvenient.

Another Chinese patented car phone for road toll road information parking toll navigation method and system, patent number: CN101536043 as an example, is based on the car phone signal entering / leaving the mobile phone network base station range as the basis for road toll calculation. A car phone is bound to an account in advance to charge for road expenses. However, when the user is not the owner of the car, it will also cause cost disputes. It can only define the range of mobile phone network base stations where the vehicle is used during consumption, which is difficult to promote to general commercial applications. .

To sum up the above patents as an example, all of the systems must be designated by the user in advance, and it will cause cost disputes when the user is not the owner, which is extremely inconvenient; furthermore, the above patents are for the payment of the transportation costs themselves and cannot be promoted To general business applications.

In view of the various shortcomings derived from the above-mentioned conventional methods, the inventor of this case has been eager to improve and innovate. After years of painstaking research, he finally successfully developed a system and method for in-vehicle payment.

In order to achieve the above object, the present invention proposes to provide a system and method for in-vehicle payment, a system for in-vehicle payment, which is mainly composed of a mobile device, a store system, a cloud platform, and a payment system. Among them, the mobile device Contains a communication unit for accessing the network, a ride module, for receiving user ride data (which includes a user identification information and a vehicle identification information) and transmitting user ride data to a cloud platform A payment module for receiving an order data and transmitting a payment data (which includes a payment verification data, a payment number) to a cloud platform for payment, a display unit for displaying the order data and payment results; a store The system includes an order module for generating order data (including an order number and a consumption amount) and storing it in the store database, and then transmitting the order data and a vehicle identification information to a cloud platform, and receiving the cloud The platform's payment results and store database are used to store order data and payment results; the cloud platform contains a person-car management module Used to receive and manage user loading data of a mobile device, a transaction module, to receive order information of a store system and a vehicle identification information, and to receive payment information of a mobile device, confirm the identity of the payment user, and send Payment information is sent to the payment system for transaction authorization and payment results are received, and a cloud database is used to store user loading data, order data and payment results; the payment system is used to receive an order data and a payment data, and then verify Validity of payment information and return of payment result of order.

The mobile device may further include an electronic tag unit for storing vehicle identification information for receiving a wireless signal and returning another wireless signal, which includes vehicle identification information, and its store system may further include a tag reading module. Group, can send a wireless signal and receive a wireless signal containing a vehicle identification information; further, its mobile device can include a secure element unit, which can store the user's payment number, and further, its store system can be another It includes a photographing unit to obtain the license plate image by shooting; and a vehicle number recognition module to receive the license plate image and identify the vehicle identification information from the license plate image.

The access network is the Internet or other structures that can be connected to the Internet. Its payment verification data is to confirm the identity of the payment user. It can be set in advance by the user on the cloud platform or calculated by the user's identification information. The platform compares the payment verification data corresponding to the user identification information of the user's ride information with the payment verification data sent by the mobile device to confirm that the sub-payment is authorized by the rider; of which the cloud platform is the payment number that receives the payment information. Its cloud database fetches the payment account corresponding to the payment number, and sends the payment data containing the payment account to the payment system. Among the payment modules, the payment number can be manually entered by the user, stored in the payment module in advance, or read from the mobile device. The payment number in the previous hardware component, where the hardware component is a secure component unit; where the vehicle identification information is a license plate number, an electronic label number, or an identification value that can identify the vehicle; where the user identification information is an identity ID number, phone number or identification value that can identify the user; Human cart management module, the user pre-set according to personal portfolio to determine whether the bearer is a legitimate bearer information.

A method for in-vehicle payment includes: transmitting a user's riding information to a cloud platform using a mobile device; identifying a vehicle used by a consumer user; requesting payment based on order information and vehicle identification information of a consumer user; confirming that the vehicle identification information is consistent User loading information; receiving orders and making payments through mobile devices and cloud platforms; the cloud platform authorizes payment to the payment system, and the store system and mobile devices obtain results.

The above-mentioned user loading information includes vehicle identification information and user identification information.

Compared with other conventional technologies, the system and method for in-vehicle payment provided by the present invention have the following advantages:

1. The present invention maintains the connection between the user and the vehicle. When the store requests payment, the user in the vehicle can be notified, so the user can easily complete the payment without getting off the vehicle.

2. Different from the previous vehicle using a single payment account for debit, the relationship between the payer and the car of the present invention is dynamically established in the car. This can be achieved: different payment accounts can be used by different people.

It can be confirmed that the payer is in the car and the transaction is undeniable.

3. Stores cannot obtain user payment account information, reducing the risk of misappropriation.

100‧‧‧ mobile device

110‧‧‧Ride Module

120‧‧‧Payment Module

130‧‧‧Display Module

140‧‧‧ communication unit

150‧‧‧Secure Element Unit

160‧‧‧Electronic label unit

200‧‧‧ Store System

210‧‧‧Order Module

220‧‧‧ Store Library

230‧‧‧car number identification module

240‧‧‧Photography Unit

250‧‧‧Label Reading Module

300‧‧‧ Cloud Platform

310‧‧‧Personal vehicle management module

320‧‧‧Transaction Module

330‧‧‧Cloud Database

400‧‧‧ payment system

S510 ~ S560‧‧‧Payment Process

Please refer to the detailed description of the present invention and the accompanying drawings for further understanding of the technical content of the present invention and its effects. The related drawings are: Figures 1 to 4 are schematic diagrams of the system and method of in-vehicle payment of the present invention; FIG. 5 is a flowchart of a system and method for in-vehicle payment according to the present invention.

In order to make the objectives, technical solutions, and advantages of the present invention clearer, the present invention is further described in detail below with reference to the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are only used to explain the present invention, but not intended to limit the present invention.

Hereinafter, the present invention will be further described with reference to the accompanying drawings. Please refer to FIG. 1, an in-vehicle payment system mainly includes a mobile device 100, which can be a smart phone, an automobile system, and an on-board unit. , Connected smartphones and car systems, etc., which include a communication unit 140 to access a network whose structure is the Internet or any connectable network; a ride module 110 is for receiving a user's loading data, which includes a user identification information and a vehicle identification information, and transmitting the user's loading data to a cloud platform; a payment module 120 is for receiving an order information and transmitting a payment Information, including a payment verification information and a payment number, and paid to a cloud platform 300; a display unit 130 may be a display screen to display order information and payment results; a store system 200, which includes a The order module 210 generates order data and stores it in the store database 220, which contains an order number and a consumption amount, and sends the order data and vehicle identification information to Yunpingping Platform 300, and receives payment results from cloud platform 300; a cloud platform 300, which includes a passenger vehicle management module 310, for receiving and managing user loading data of a mobile device 100; a transaction module 320, which receives After the order information and vehicle identification information of the store system 200 and the payment information of the mobile device 100 are received, the identity of the payment user is confirmed, and the payment information is transmitted to a payment system 400 for transaction authorization and receiving its payment results; a cloud database 330, is To store user loading information, order information and payment results; the payment system 400 is to verify the validity of the payment information after receiving the order information and a payment information, and return the payment result of the order.

The mobile device 100 may further include an electronic tag unit 160 to store vehicle identification information and return another wireless signal after receiving a wireless signal, which includes vehicle identification information; or the mobile device 100 may further include A secure element unit 150 can store a user payment number.

The store system 200 may further include a photographing unit 240 for capturing a license plate image; and a vehicle number recognition module 230 for receiving a license plate image and identifying vehicle identification information from the license plate image; or its store The system 200 can further include a tag reading module 250, which can send a wireless signal and receive a wireless signal containing vehicle identification information.

A method for in-vehicle payment includes: S510 transmitting a user's riding information to a cloud platform using a mobile device; S520 identifying a vehicle used by a consumer user; S530 requesting payment based on order information and vehicle identification information used by the consumer user; S540 confirming the vehicle The identification information is the matching user loading data; S550 receives orders and makes payments through the mobile device and the cloud platform; S560 cloud platform authorizes payment to the payment system, and the store system and mobile device obtain the result.

The user riding information includes vehicle identification information and user identification information.

It can be known from the above process that the implementation method is as follows: the user receives the user's loading data through the mobile device ride module, and returns the user's ride data to the cloud platform man-car management module, and the user's ride data includes at least one user Identification information, a vehicle identification information, the cloud platform human and vehicle management module receives the user's riding data, and records the user's riding data in the cloud database. This step is mainly to obtain the vehicle-to-people riding relationship, which user represents the current user. Which car is on board for subsequent stores to request payment, the order information can be transmitted to the car for users to confirm the payment. The vehicle identification information is the unique identification value of the vehicle, which can be a code information, such as the license plate number or vehicle electronics. Tag code, etc., user identification information is used to identify the user's identity. It can be generation information, such as ID card number, mobile phone number, etc. The way the ride module receives the user's loading information can be manually entered by the user. Auto system connection to automatically obtain mobile phone number and vehicle identification information, or a smartphone With NFC (Near Field Communication, short-range wireless communication) function can read vehicle electronic tags. Further, users can set personal loading combinations in the cloud platform man-car management module in advance. Only the loading records of personal loading combinations are allowed. Subsequent payment procedures can be carried out, for example: user identification information 0910123123 will only take the vehicle identification information ABC-123, XYZ-456, if the user's loading information received by the cloud platform man-car management module does not match the legal ride set by the user in advance Load combination, the cloud platform does not allow the establishment of a ride record; users drive to the store for consumption, and the store system recognizes the vehicle identification information of the consumer's vehicle; the store system order management module generates orders based on user consumption items, Confirm the use of in-vehicle payment, send the vehicle identification information and order of the consumer's vehicle to the cloud platform to request payment; the cloud platform's transaction module receives the vehicle identification information and order data, and the person-car management module confirms the cloud platform The database has user riding data that matches the vehicle identification information, The terminal platform sends the order data to the mobile device and asks the user to confirm the payment. The mobile device can also actively query the cloud platform to see if there is any user riding information that matches the vehicle identification information, and receive the order data to be paid. The payment module of the mobile device receives The order information to be paid is displayed on the display screen, and the user's payment information is transmitted to the cloud platform to confirm the payment of the order. The payment information includes a payment verification information and a payment number. Among them, the payment verification information is used to confirm the identity of the payment user. , Which can be set by the user in advance on the cloud platform and calculated from user identification information. The payment number corresponds to a payment account. The source of the payment number can be manually entered by the user and stored in the payment module in advance. After the cloud platform receives payment information from the mobile device , By comparing the payment verification information corresponding to the user identification information of the user's passenger data with the payment verification data transmitted by the mobile device to confirm that the payment is authorized by the rider, and query the payment account corresponding to the payment number, and send Including the payment of the payment account Data to the payment transaction authorization system, and the results transmitted to the payment system and mobile devices store.

When the store system further includes a camera unit and a license plate identification module, the implementation method is as follows: the user receives the user's riding data (including the user identification information and the license plate number) through the mobile device riding module, and transmits the user's riding data To the cloud platform man-car management module, the cloud platform man-car management module receives user loading data and records the user loading data in the cloud database; the user drives to the store for consumption, and the store system uses the photography unit to take pictures of customers who come to the store to consume The license plate image of the boarded vehicle, and the license plate number is automatically recognized by the license plate image; the order management module of the store system generates an order based on the user's purchase item, and after confirming to the user to use the in-vehicle payment, the license plate number and the order are transmitted to the cloud platform to request Payment; the cloud platform transaction module receives the license plate number and order data, and the vehicle and vehicle management module confirms that the cloud platform database has user loading data that matches the license plate number, and the cloud platform sends the order data to the mobile device, asking the user to confirm the payment , Mobile devices can also actively query the cloud platform Users who match the license plate number carry data and receive pending order information. The payment module of the mobile device receives the pending order information and presents it on the display screen, and sends the user's payment information to the cloud platform to confirm the payment of the order and the payment. The data includes a payment number, which corresponds to a payment account. The source of the payment number can be manually entered by the user and stored in the payment module in advance. After the cloud platform receives the payment information of the mobile device, it compares the user with the user's loading data. The payment verification information corresponding to the identification information and the payment verification data sent by the mobile device to confirm that the payment is authorized by the rider, and query the payment account corresponding to the payment number, and send the payment information containing the payment account to the payment system Authorize transactions and send payment results to store systems and mobile devices.

When the mobile device further includes an electronic tag unit and the store system further includes a tag reading module, the implementation method is as follows: The user receives user riding data (including user identification information and vehicle identification information) through the mobile device riding module, and Send the user's loading data to the cloud platform man-car management module. The cloud platform man-car management module receives the user's loading data and records the user's loading data in the cloud database. The user drives to the store for consumption, and the store system tags read The fetch module sends out a wireless signal to read the vehicle's electronic tag of the user's vehicle on which the consumer came, and receives the vehicle's electronic tag to return a wireless signal containing vehicle identification information; the order management module of the store system generates an order based on the user's purchase. After confirming to the user that the in-vehicle payment is used, the vehicle identification information and order data are transmitted to the cloud platform to request payment; the cloud platform transaction module receives the vehicle identification information and order data, and the human vehicle management module confirms that the cloud platform database has User riding data that matches the vehicle identification information is transmitted by the cloud platform The information is sent to the mobile device, and the user is required to confirm the payment. The mobile device can also actively query the cloud platform to see if there is user riding information that matches the vehicle identification information, and receive the order information to be paid. The payment module of the mobile device receives the order to be paid. The data is presented on the display screen, and the user's payment information is transmitted to the cloud platform to confirm the payment of the order. The payment information contains a payment number, which corresponds to a payment account. The source of the payment number can be manually entered by the user and stored in advance. Payment module; after the cloud platform receives the payment information of the mobile device, it compares the payment verification data corresponding to the user identification information of the user's passenger data with the payment verification data sent by the mobile device to confirm that the payment is made by the rider user Authorize and query the payment account corresponding to the payment number, send the payment information containing the payment account to the payment system for transaction authorization, and send the payment result to the store system and mobile device.

When the mobile device further includes a secure element unit, the implementation method is as follows: the user receives user riding data (including user identification information and vehicle identification information) through the mobile device riding module, and transmits the user riding data to the cloud platform person Car management module, cloud platform human and vehicle management module receives user loading data, and records user loading data in the cloud database; users drive to the store for consumption, and store clerks identify the vehicle license plate numbers of users who come to shop for consumption; stores The system order management module generates an order based on the user's purchase item. After confirming to the user that the vehicle is used for payment, the license plate number and order are transmitted to the cloud platform to request payment; the cloud platform transaction module receives the license plate number and order information, and the vehicle The management module confirms that the cloud platform database has user ride data that matches the license plate number. The cloud platform sends order data to the mobile device and asks the user to confirm the payment. The mobile device can also actively query the cloud platform to see if there is a user license that matches the license plate number. Download the information and receive the information of the pending order, OK The payment module of the device receives the order information to be displayed on the display screen. When the user confirms the payment, the payment module reads the payment number stored in the secure element unit, sends the user's payment information to the cloud platform, and confirms the payment of the order; the cloud platform After receiving the payment information of the mobile device, the payment verification information corresponding to the user identification information of the user's rider information is compared with the payment verification data transmitted by the mobile device to confirm that the payment is authorized by the rider user and query the payment number The corresponding payment account sends the payment information containing the payment account to the payment system for transaction authorization, and sends the payment result to the store system and mobile device.

The above detailed description is a specific description of a feasible embodiment of the present invention, but this embodiment is not intended to limit the patent scope of the present invention. Any equivalent implementation or change that does not depart from the technical spirit of the present invention should be included in Within the scope of the patent in this case.

To sum up, this case is not only innovative in terms of technical ideas, but also has many of the above-mentioned effects that are not used by traditional methods. It has fully met the requirements of statutory invention patents that are novel and progressive. To approve this invention patent application, to encourage invention, to the utmost convenience.

Claims (13)

    A system for in-vehicle payment mainly includes: a mobile device including: a communication unit to access the network; a vehicle module to receive a user's loading data, which includes a user identification information And a vehicle identification information, and transmitting the user's riding data to a cloud platform; a payment module to receive an order data and send a payment information, which includes a payment verification data and a payment number, and to a cloud The platform performs payment; a display unit to display the order information and payment results; a store system including: an order module to generate the order information, which includes an order number and a consumption amount, and transmits the order information Order data and the vehicle identification information to the cloud platform, and receive payment results from the cloud platform; a store database, which stores the order data and payment results; a cloud platform, which includes: a human vehicle management module, based on Receive and manage the user's ride data of a mobile device; a transaction module to receive the order data of the store system and the vehicle After receiving the payment information of the mobile device, confirm the identity of the payment user, send the payment information to a payment system to authorize the transaction and receive the payment result; a cloud database is used to store the user's loading data, the Order information and payment results; The payment system is to receive the order information and a payment information, verify the validity of the payment information, and return the payment result of the order.         According to the system for in-vehicle payment described in item 1 of the scope of patent application, wherein the mobile device in the system further includes an electronic tag unit, and the store system further includes a tag reading module, wherein: the The electronic tag unit stores vehicle identification information for receiving a wireless signal and returns another wireless signal containing the vehicle identification information. The tag reading module is capable of sending a wireless signal and receiving a vehicle identification information. Wireless signal for information.         According to the system for in-vehicle payment described in item 1 of the scope of patent application, the mobile device can further include: a secure element unit, which can store a user payment number.         The system for in-vehicle payment described in item 1 of the scope of patent application, wherein the shop system can further include: a photographing unit for capturing the license plate image; a vehicle number identification module for receiving the license plate image Vehicle identification information is identified from the license plate image.         The in-vehicle payment system described in item 1 of the scope of the patent application, wherein the access network is an Internet or other structure capable of connecting to the Internet.         According to the system for in-vehicle payment described in item 1 of the scope of patent application, wherein the payment verification information is used to confirm the identity of the payment user, which can be pre-set by the user on the cloud platform or calculated by the user's identification information, The cloud platform compares the payment verification data corresponding to the user identification information of the user's riding data with the payment verification data sent by the mobile device to confirm that the payment is authorized by the rider user.         According to the system of in-vehicle payment described in item 1 of the scope of patent application, the cloud platform is the payment number that receives payment information, queries its cloud database to retrieve the payment account corresponding to the payment number, and transmits the payment account Payment information to the payment system.         The system for in-vehicle payment as described in the first patent application scope, wherein the payment module and the payment number can be manually entered by the user, stored in the payment module in advance, or read from one of the mobile devices A payment number in a hardware component, where the hardware component is a secure component unit.         For example, the system for in-vehicle payment described in item 1 of the scope of patent application, wherein the vehicle identification information is a license plate number, an electronic tag number, or an identification value capable of identifying the vehicle.         For example, the system for in-vehicle payment described in item 1 of the scope of patent application, wherein the user identification information is an identification card number, a telephone door number, or an identification value that can identify the user.         For example, the in-vehicle payment system described in item 1 of the scope of patent application, in which the person-vehicle management module is capable of judging whether it is legal loading data according to the personal loading combination set by the user in advance.         A method for in-vehicle payment includes: transmitting a user's riding information to a cloud platform using a mobile device; identifying a vehicle used by a consumer user; requesting payment based on order information and vehicle identification information of a consumer user; confirming that the vehicle identification information is consistent User loading information; receiving orders and making payments through mobile devices and cloud platforms; the cloud platform authorizes payment to the payment system, and the store system and mobile devices obtain results.         The method for in-vehicle payment as described in item 12 of the scope of patent application, wherein the user's loading data includes vehicle identification information and user identification information.