TWI582722B - The use of smart cars in the service point to pay the system and methods - Google Patents
The use of smart cars in the service point to pay the system and methods Download PDFInfo
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- G—PHYSICS
- G07—CHECKING-DEVICES
- G07B—TICKET-ISSUING APPARATUS; FARE-REGISTERING APPARATUS; FRANKING APPARATUS
- G07B15/00—Arrangements or apparatus for collecting fares, tolls or entrance fees at one or more control points
- G07B15/06—Arrangements for road pricing or congestion charging of vehicles or vehicle users, e.g. automatic toll systems
Description
本發明涉及支付技術，並且尤其涉及利用智慧汽車在服務點進行支付的系統和方法。 The present invention relates to payment techniques, and more particularly to systems and methods for making payments at a service point using smart cars.
現有技術中，停車場、加油站、高速收費站等對車輛進行收費的效率較低、用戶體驗較差。停車場採用人工收費或者IC卡自動收費，其中IC卡自動收費需要用戶將IC卡與繳費設備近距離接觸完成繳費。加油站採用人工收費或者加油卡收費兩種，這兩種收費方式都要求用戶與車外事物進行交互，例如，加油前需要向加油站的工作人員說明加油量的大小。高速收費站採用人工收費或者ETC收費，其中人工收費即由人工區別車輛類型並進行收費，ETC收費需要預先建立ETC車道並在車輛上安裝收費設備進行收費。 In the prior art, parking lots, gas stations, high-speed toll stations, etc. are less efficient in charging vehicles and have a poor user experience. The parking lot is automatically charged by manual charging or IC card. The automatic charging of the IC card requires the user to close the IC card and the payment device to complete the payment. Gas stations use manual charging or fueling card charging. Both of these charging methods require the user to interact with things outside the vehicle. For example, the fueling station needs to explain the amount of fuel to the gas station staff before refueling. The high-speed toll station uses manual charging or ETC charging. The manual charging is to manually distinguish the vehicle type and charge. The ETC charging needs to establish an ETC lane in advance and install charging equipment on the vehicle for charging.
因此，車輛在停車場、加油站、高速收費站中具有同構的支付需求：更高效、更便捷、更人性化。 Therefore, vehicles have homogeneous payment requirements in parking lots, gas stations, and high-speed toll stations: more efficient, more convenient, and more user-friendly.
現有技術中，車輛在公共服務點的支付大多使用人工收費。對於車輛用戶而言，繁瑣的人工繳費過程將影響到駕駛體驗，還將造成時間的浪費。IC卡收費技術的缺點包括：不可重用性，不同的支付場景下常常使用不同的IC卡；用戶需要預先辦理卡片，並且需要預先向IC卡中充值；用戶需要將IC卡靠近繳費設備完成支付。高速繳費所使用的ETC技術有如下缺點：建設費用昂貴，ETC系統需要預先建立ETC車道，並輔助大量的設備；對於不同類型的車輛，需要不同的ETC車道進行檢測，這將增加建設成本和繳費的複雜性。 In the prior art, the payment of vehicles at public service points mostly uses manual charging. For vehicle users, the cumbersome manual payment process will affect the driving experience and will also waste time. The disadvantages of the IC card charging technology include: non-reusability, different IC cards are often used in different payment scenarios; the user needs to pre-process the card, and needs to recharge the IC card in advance; the user needs to close the payment card to the payment device to complete the payment. The ETC technology used for high-speed payment has the following disadvantages: the construction cost is high, the ETC system needs to establish the ETC lane in advance, and assists a large number of equipment; for different types of vehicles, different ETC lanes are required for inspection, which will increase construction costs and contributions. The complexity.
本發明公開，利用智慧汽車在服務點進行支付的系統，該系統包括支付裝置、繳費設備、結算中心，其中，支付裝置被設置在車輛中並且與金融帳戶關聯，繳費設備被設置在服務點，支付裝置、繳費設備、結算中心通過網路互相通信；當支付裝置靠近繳費設備時，支付裝置與繳費設備通信，其中，支付裝置將選擇的服務、車輛資訊、金融帳戶的帳戶資訊發送給繳費設備，繳費設備根據選擇的服務和車輛資訊計算費用，並且根據該費用和帳戶資訊與結算中心通信以進行扣款操作。 The present invention discloses a system for making a payment at a service point using a smart car, the system comprising a payment device, a payment device, and a settlement center, wherein the payment device is disposed in the vehicle and associated with the financial account, and the payment device is set at the service point, The payment device, the payment device, and the settlement center communicate with each other through the network; when the payment device is close to the payment device, the payment device communicates with the payment device, wherein the payment device transmits the selected service, the vehicle information, and the account information of the financial account to the payment device. The payment device calculates the fee based on the selected service and vehicle information, and communicates with the settlement center according to the fee and account information to perform the chargeback operation.
優選地，繳費設備根據該費用和帳戶資訊，與結算中心線上通信以完成扣款操作或者在規定的時間與結算中心通信以完成離線扣款。 Preferably, the payment device communicates with the settlement center online to complete the debit operation or communicate with the settlement center at a prescribed time to complete the offline deduction according to the fee and account information.
優選地，支付裝置從安全晶片調用帳戶資訊或者通過訪問許可權來讀取帳戶資訊。 Preferably, the payment device invokes account information from the secure chip or reads the account information via access permissions.
本發明還公開，利用智慧汽車在服務點進行支付的方法，當設置在車輛中支付裝置靠近設置在服務點繳費設備時，支付裝置與繳費設備通信，其中，支付裝置將選擇的服務、車輛資訊、金融帳戶的帳戶資訊發送給繳費設備，繳費設備根據選擇的服務和車輛資訊計算費用，並且根據該費用和帳戶資訊與結算中心通信以進行扣款操作。 The invention also discloses a method for making payment by a smart car at a service point. When the payment device is disposed in the vehicle and is disposed near the service point payment device, the payment device communicates with the payment device, wherein the payment device selects the service and the vehicle information. The account information of the financial account is sent to the payment device, and the payment device calculates the fee according to the selected service and the vehicle information, and communicates with the settlement center according to the fee and the account information to perform the chargeback operation.
優選地，繳費設備根據該費用和帳戶資訊，與結算中心線上通信以完成扣款操作或者在規定的時間與結算中心通信以完成離線扣款。 Preferably, the payment device communicates with the settlement center online to complete the debit operation or communicate with the settlement center at a prescribed time to complete the offline deduction according to the fee and account information.
優選地，支付裝置從安全晶片調用帳戶資訊或者通過訪問許可權來讀取帳戶資訊。 Preferably, the payment device invokes account information from the secure chip or reads the account information via access permissions.
本發明的優勢在於包括：實現繳費過程用戶方與收費方交互不溝通。用戶在車廂內通過操作觸摸螢幕進行支付，車載電腦系統實現繳費設備和智慧汽車之間的資訊交互，資訊轉輸都可以通過車載通信系統和繳費設備的無線通信設備，用戶不需要打開車門或者車窗與收費方進行交流。通過智慧車輛的觸摸螢幕，用戶可以直觀地知曉支付內容，增加支付透明度。採用支付錢包，支付費用從綁定的金融帳戶中扣除，高效便捷。本發明適用於停車、加油、高速等多種繳費場景，並且支持線上支付也支援離線支付。本發明對於公共事業受理端(服務點)包括優點：減少繳費過程的人力和時間，節省成本提高服務的效率；繳費過程由用戶自助操作，避免了人工繳費可能出 現的服務不周現象，提高服務品質；繳費費用通過用戶金融帳戶扣除，安全可靠並且方便賬目統計；支付資訊自動生成。此外，智慧汽車能夠自動獲得自身的車輛資訊，如車牌號、車輛大小類型等，這些資訊可以被運用在支付過程之中，比如高速繳費時，智慧汽車可以將車輛資訊發送至繳費設備，繳費設備通過車輛類型確定相應的費用，擺脫了高速人工識別車輛類型的繁瑣過程。 The invention has the advantages of including: realizing that the user side of the payment process does not communicate with the charging party. The user pays by operating the touch screen in the compartment, and the on-board computer system realizes the information interaction between the payment device and the smart car, and the information transfer can be through the wireless communication device of the vehicle communication system and the payment device, and the user does not need to open the door or the car. The window communicates with the toll collector. Through the touch screen of the smart vehicle, the user can intuitively know the payment content and increase the transparency of payment. With the payment wallet, the payment is deducted from the bundled financial account, which is efficient and convenient. The invention is applicable to various payment scenarios such as parking, fueling, high speed, etc., and supports online payment and also supports offline payment. The invention has the advantages for the public service receiving end (service point): reducing the manpower and time of the payment process, saving the cost and improving the efficiency of the service; the payment process is self-operated by the user, avoiding the manual payment may be The current service is not good, and the service quality is improved; the payment fee is deducted by the user financial account, which is safe and reliable and convenient for accounting statistics; the payment information is automatically generated. In addition, smart cars can automatically obtain their own vehicle information, such as license plate number, vehicle size type, etc., this information can be used in the payment process, such as high-speed payment, smart cars can send vehicle information to the payment device, payment equipment The cumbersome process of high-speed manual identification of vehicle types is eliminated by determining the corresponding cost by vehicle type.
在參照附圖閱讀了本發明的具體實施方式以後，本領域技術人員將會更清楚地瞭解本發明。本領域技術人員應當理解的是，附圖僅僅用於配合具體實施方式說明本發明的技術方案，而並非意在對本發明的保護範圍構成限制。 The invention will be more clearly understood by those of ordinary skill in the art the It should be understood by those skilled in the art that the appended claims are not intended to limit the scope of the invention.
圖1是利用智慧汽車在服務點進行支付的系統的示意圖。 FIG. 1 is a schematic diagram of a system for making a payment at a service point using a smart car.
圖2是利用智慧汽車在服務點進行線上支付的過程的示例。 FIG. 2 is an example of a process of making an online payment at a service point using a smart car.
圖3是利用智慧汽車在服務點進行線上支付的過程的示例。 FIG. 3 is an example of a process of making an online payment at a service point using a smart car.
圖4是利用智慧汽車在服務點進行支付時調用帳戶資訊的示意圖。 FIG. 4 is a schematic diagram of calling account information when a smart car makes a payment at a service point.
下面參照附圖，對本發明的具體實施方式作進一步的詳細描述。應當理解的是，可對所描述的實施例進行結構的和功能的修改。另外，可針對任何給定的或特定的應用所期望和有利的那樣，一個實施例的一個或多個特徵可以與另一個實施例的一個或多個特徵相組合。 Specific embodiments of the present invention will be further described in detail below with reference to the drawings. It will be appreciated that structural and functional modifications may be made to the described embodiments. In addition, one or more features of one embodiment can be combined with one or more features of another embodiment, as desired and advantageous for any given or particular application.
圖1是根據本發明實施例的利用智慧汽車在服務點進行支付的系統的示意圖。如圖所示，該系統包括支付裝置、繳費設備、結算中心。其中，支付裝置被設置在車輛中並且與金融帳戶關聯。支付裝置可以是預先安裝在車載電腦系統上的支付應用，並且該支付應用與用戶的金融帳戶綁定，由此支付的費用將從金融帳戶中被扣除。繳費設備被設置在服務點，例如，停車場、加油站、高速收費站等。支付裝置、繳費設備、結算中心通過網路互相通信。例如，支付裝置可以通過車輛的車載通信系統與繳費設備的無線通信設備進行無線通信。支付裝置和繳費設備還可以通過互聯網等分別與結算中心遠端連接並通信。 1 is a schematic diagram of a system for making a payment at a service point using a smart car, in accordance with an embodiment of the present invention. As shown, the system includes a payment device, a payment device, and a settlement center. Therein, the payment device is placed in the vehicle and associated with the financial account. The payment device may be a payment application pre-installed on the onboard computer system, and the payment application is tied to the user's financial account, whereby the fee paid will be deducted from the financial account. The payment device is set at a service point, for example, a parking lot, a gas station, a high-speed toll station, and the like. The payment device, the payment device, and the settlement center communicate with each other through the network. For example, the payment device can communicate wirelessly with the wireless communication device of the payment device via the vehicle's in-vehicle communication system. The payment device and the payment device can also be connected and communicated with the remote center of the settlement center via the Internet or the like.
當支付裝置靠近繳費設備時，支付裝置與繳費設備通信，其中，支付裝置將選擇的服務、車輛資訊、金融帳戶的帳戶資訊發送給繳費設備。支付裝置與繳費設備的通信根據服務點的情況可以由支付裝置主動發起(例如當服務點是加油站時)或者由繳費設備主動發起(例如當服務點是高速收費站時)。可選擇的服務可以從繳費設備被發送至支付裝置，繳費設備可以根據車輛資訊向支付裝置提供可選擇的服務。繳費設備根據選擇的服務和車輛 資訊計算費用，並且根據該費用和帳戶資訊與結算中心通信以進行扣款操作。 When the payment device is close to the payment device, the payment device communicates with the payment device, wherein the payment device transmits the selected service, the vehicle information, and the account information of the financial account to the payment device. The communication of the payment device with the payment device may be initiated by the payment device (eg, when the service point is a gas station) or initiated by the payment device (eg, when the service point is a high speed toll station). The optional service can be sent from the payment device to the payment device, which can provide a selectable service to the payment device based on the vehicle information. Payment equipment based on selected services and vehicles The information calculates the fee and communicates with the settlement center based on the fee and account information for the debit operation.
在一個示例中，當車輛進入服務點，繳費設備可以通過無線通信設備識別出車輛發送的用於供繳費設備識別的信號，之後車輛可以將車輛資訊發送給繳費設備，車輛資訊例如包括車牌號、車主身份、車輛類型、油量、車輛狀態等。繳費設備可以根據車輛資訊向支付裝置提供可選擇的服務，例如服務類型和服務費用。當繳費設備可以根據車輛資訊將可選擇的服務至支付裝置時，可選擇的服務可以被顯示在車載顯示器上供用戶選擇。可選擇的服務可以以列表的形式被顯示，列表的內容例如可以是加油站的油價表和用戶所需加油量、高速收費站根據車輛狀態資訊確定的應收費用、停車場的停車價格表和車位元資訊。用戶可以根據服務列表確認要購買的服務，如所加油量和汽油種類，並將所購買(所選擇)的服務資訊發送給繳費設備。 In one example, when the vehicle enters the service point, the payment device may identify, by the wireless communication device, a signal sent by the vehicle for identification by the payment device, after which the vehicle may transmit the vehicle information to the payment device, for example, including the license plate number, Owner identity, vehicle type, fuel quantity, vehicle status, etc. The payment device can provide alternative services, such as service type and service fee, to the payment device based on the vehicle information. When the payment device can provide a selectable service to the payment device based on the vehicle information, the selectable service can be displayed on the on-board display for the user to select. The optional service can be displayed in the form of a list, for example, the oil price list of the gas station and the amount of fuel required by the user, the chargeable fee determined by the high-speed toll station according to the vehicle status information, the parking price list of the parking lot, and the parking space. Meta information. The user can confirm the service to be purchased according to the service list, such as the amount of fuel added and the type of gasoline, and send the purchased (selected) service information to the payment device.
如上所述，繳費設備根據選擇的服務和車輛資訊計算費用，並且根據該費用和帳戶資訊與結算中心通信以進行扣款操作。繳費設備在計算費用後可以向支付裝置推送包括費用的支付認證消息，用戶可以例如通過與支付裝置關聯的觸摸螢幕完成支付認證(例如手動點擊確認)，在高速收費站的場景下，可以採用自動認證方式，由支付裝置對支付認證消息自動認證並將支付結果資訊呈現給用戶，由此可以進一步節約時間，使支付更加便捷。 As described above, the payment device calculates the fee based on the selected service and vehicle information, and communicates with the settlement center based on the fee and account information to perform the chargeback operation. The payment device may push a payment authentication message including a fee to the payment device after calculating the fee, and the user may complete the payment authentication (for example, manual click confirmation) through a touch screen associated with the payment device, and in the scenario of the high-speed toll station, automatic In the authentication mode, the payment device automatically authenticates the payment authentication message and presents the payment result information to the user, thereby further saving time and making payment more convenient.
如上所述，繳費設備根據該費用和帳戶資訊與結算中心通信以進行扣款操作。這裏，扣款操作可以即時進行或者延遲進行。根據本發明的實施例，費用的支付可以線上或者離線進行。 As described above, the payment device communicates with the settlement center based on the fee and account information to perform a chargeback operation. Here, the debit operation can be performed immediately or delayed. According to an embodiment of the invention, the payment of the fee can be made online or offline.
圖2是根據本發明實施例的利用智慧汽車在服務點進行線上支付的過程的示例。如圖2所示，首先由智慧汽車向繳費設備發送Hello資訊。繳費設備根據Hello資訊識別出智慧汽車，並向智慧汽車發送確認已識別資訊。然後，智慧汽車在向繳費設備發送車輛資訊後，開始與繳費設備進行服務資訊交互，即由繳費設備向智慧汽車提供可選的服務，以及由智慧汽車選擇需要的服務。在服務完成後，由繳費設備向智慧汽車發送支付申請確認，用戶在智慧汽車端進行確認支付。繳費設備在收到確認支付資訊之後與結算中心連接來完成支付，例如將包括費用和帳戶資訊(包括帳戶和密碼)的支付資訊發送給結算中心，再由結算中心與帳戶的發卡行通信完成扣款操作。在結算中心的線上操作成功後，分別向智慧汽車和繳費設備發送支付成功消息。線上上支付的情況，繳費設備和支付裝置通過結算中心與發卡行連接，即時地線上完成支付，費用直接從用戶的帳戶中被扣除。 2 is an illustration of a process of making an online payment at a service point using a smart car, in accordance with an embodiment of the present invention. As shown in Figure 2, the smart car first sends the Hello message to the payment device. The payment device identifies the smart car based on the Hello message and sends a confirmation message to the smart car. Then, after sending the vehicle information to the payment device, the smart car starts to exchange service information with the payment device, that is, the payment service provides an optional service to the smart car, and the smart car selects the service required. After the service is completed, the payment device sends a payment application confirmation to the smart car, and the user makes a confirmation payment at the smart car end. After receiving the confirmation payment information, the payment device connects with the settlement center to complete the payment. For example, the payment information including the fee and account information (including the account and password) is sent to the settlement center, and then the settlement center communicates with the account issuing bank to complete the payment. Operation. After the online operation of the settlement center is successful, a payment success message is sent to the smart car and the payment device respectively. In the case of online payment, the payment device and the payment device are connected to the issuing bank through the settlement center, and the payment is completed online in real time, and the fee is directly deducted from the user's account.
圖3是根據本發明實施例的利用智慧汽車在服務點進行離線支付的過程的示例。如圖3所示，繳費設備在收到確認支付之後，直接向智慧汽車發送支付成功消息。並且之後，在規定的時間與結算中心連接完成扣款。 離線支付不需要與結算中心即時連接，通過支付裝置與繳費設備即可完成。繳費設備可以將支付資訊存儲，定期與結算中心和發卡行連接完成最終支付。在一個例子中，用戶可以事先向支付裝置中轉入一定數量的金額作為離線支付金額。在這種情況下，支付裝置是支付錢包應用。 3 is an illustration of a process of making an offline payment at a service point using a smart car, in accordance with an embodiment of the present invention. As shown in FIG. 3, after receiving the confirmation payment, the payment device directly sends a payment success message to the smart car. And then, the withdrawal is completed by connecting to the settlement center at the specified time. Offline payment does not need to be connected to the settlement center immediately, and can be completed by the payment device and the payment device. The payment device can store the payment information and periodically connect with the settlement center and the issuing bank to complete the final payment. In one example, the user may transfer a certain amount of money to the payment device in advance as an offline payment amount. In this case, the payment device is a payment wallet application.
用戶的支付記錄可以被存儲在結算中心，使得用戶能夠方便地使用支付應用與結算中心連接來進行查看。使用的支付應用可以預先在結算中心進行註冊，包括個人資訊認證和銀行帳戶資訊綁定，註冊後將獲得支付應用的使用資格。 The user's payment record can be stored in the settlement center so that the user can conveniently use the payment application to connect to the settlement center for viewing. The payment application used can be registered in the settlement center in advance, including personal information authentication and bank account information binding, and will be eligible for payment application after registration.
如上所述，當支付裝置靠近繳費設備時，支付裝置與繳費設備通信，其中，支付裝置將選擇的服務、車輛資訊、金融帳戶的帳戶資訊發送給繳費設備。根據本發明的實施例，帳戶資訊可以從安全晶片調用。存儲帳戶資訊的安全晶片可以作為獨立的單元為帳戶資訊提供高安全度。還可以採取無安全晶片的軟體調用方式，在該方式中，帳戶資訊與其他應用資料被邏輯隔離，可以通過設置訪問許可權來保證帳戶資訊不會被非法讀取。還可以採用軟體調用方式調用車輛資訊。圖4是利用智慧汽車在服務點進行支付時調用帳戶資訊的示意圖。如圖4所示，支付應用的帳戶資訊調用方式可以由車載電腦系統的“應用控制器”決定，“應用控制器”維護一個應用ID和其所在位置的路由表，不同應用對應不同的ID。“應用控制器”能識別應用ID並賦予相應的許可權，並且對於支付 應用能判斷其使用的帳戶資訊調用方式。也就是說，由應用控制器來認證支付應用。對於一個支付應用，如果在“應用控制器”的註冊資訊中表明採用硬體調用帳戶資訊，那麼“應用控制器”會與安裝有安全晶片的車載支付設備進行安全認證並提取帳戶資訊或者車輛資訊。如果在“應用控制器”的註冊資訊中表明採用軟體調用帳戶資訊，則“應用控制器”可以將支付應用轉交車載電腦系統的“中央處理器”處理，進而通過許可權獲取帳戶資訊，此時的支付帳戶資訊與其他應用資訊邏輯隔離，類似於安卓系統中的沙盒機制，如此能夠保證帳戶資訊的安全。此外車輛資訊也可以通過“中央處理器”進行調用。 As described above, when the payment device is close to the payment device, the payment device communicates with the payment device, wherein the payment device transmits the selected service, the vehicle information, and the account information of the financial account to the payment device. According to an embodiment of the invention, account information can be recalled from a secure chip. The secure chip that stores account information can be used as a stand-alone unit to provide high security for account information. It is also possible to adopt a software-free calling method in which the account information is logically isolated from other application materials, and the access permission can be set to ensure that the account information is not illegally read. Vehicle information can also be invoked in software call mode. FIG. 4 is a schematic diagram of calling account information when a smart car makes a payment at a service point. As shown in FIG. 4, the account information calling mode of the payment application may be determined by an “application controller” of the onboard computer system, and the “application controller” maintains an application ID and a routing table of its location, and different applications correspond to different IDs. The "application controller" can identify the application ID and assign the appropriate permissions, and for payment The application can determine the way the account information is used. That is, the payment application is authenticated by the application controller. For a payment application, if the application information is indicated in the registration information of the "application controller", the "application controller" will perform security authentication and extract account information or vehicle information with the on-board payment device with the security chip installed. . If the application information of the "application controller" indicates that the account information is invoked by the software, the "application controller" can transfer the payment application to the "central processing unit" of the on-board computer system to obtain the account information through the permission. The payment account information is logically isolated from other application information, similar to the sandbox mechanism in Android, so as to ensure the security of account information. In addition, vehicle information can also be called via the "Central Processing Unit".
用戶在使用支付應用時，可以在車載電腦系統的UI介面中與支付應用進行交互，比如申請支付、確認支付、查看所支付的服務資訊等。車載電腦系統作為車載應用的運行平臺可以通過驅動程式調用車載支付設備中的安全晶片。 When the user uses the payment application, the user can interact with the payment application in the UI interface of the onboard computer system, such as applying for payment, confirming payment, viewing the service information paid, and the like. As an operating platform for in-vehicle applications, the on-board computer system can call the security chip in the in-vehicle payment device through the driver.
本發明的實施例公開智慧汽車環境下的支付方案。例如，利用智慧汽車在用於加油、高速收費、停車等的公共服務點進行支付的方案。本發明的方案可以由以下三個部分來實現：裝有支付錢包的智慧汽車、公共服務點的受理端使用的繳費設備和結算中心。裝有支付錢包的智慧汽車能夠主動發起支付請求或者從繳費設備接收資訊；發送車輛資訊給繳費設備；以及確認支付資訊和進行支付認證。智慧汽車上的支付錢包可以調用車載通信系統 以與繳費設備或者結算中心連接。繳費設備能夠主動向智慧汽車發起支付過程或者被動接收來自智慧汽車的支付請求；接收智慧汽車的車輛資訊並根據車輛資訊與服務資訊計算支付相關資訊；即時與結算中心通信完成線上支付或者非即時與結算中心通信完成離線支付。繳費設備可以通過無線通信通道與智慧汽車上的車載通信系統相連接，實現繳費設備和智慧汽車間的通信。 Embodiments of the present invention disclose payment schemes in a smart car environment. For example, a smart car is used to make a payment at a public service point for refueling, high-speed toll, parking, and the like. The solution of the present invention can be realized by the following three parts: a smart car equipped with a payment wallet, a payment device used by the receiving end of the public service point, and a settlement center. A smart car equipped with a payment wallet can initiate a payment request or receive information from a payment device; send vehicle information to a payment device; and confirm payment information and perform payment authentication. The payment wallet on the smart car can call the in-vehicle communication system Connect to a payment device or settlement center. The payment device can initiate a payment process to the smart car or passively receive the payment request from the smart car; receive the vehicle information of the smart car and calculate the payment related information according to the vehicle information and service information; and instantly communicate with the settlement center to complete online payment or non-instantaneous The settlement center communication completes the offline payment. The payment device can be connected to the vehicle communication system on the smart car through a wireless communication channel to realize communication between the payment device and the smart car.
本發明的實施例利用的智慧汽車可以是集成了環境感知、規劃決策、多等級輔助駕駛等功能於一體的綜合車輛系統。智慧汽車可以由不同的子系統組成，如車載電腦系統、車載通信系統等。車載電腦系統是智慧汽車的中心部分，用戶通過車載觸摸螢幕操作車載電腦系統。觸摸螢幕作為車載電腦最重要的人機交互介面，用戶可以在觸摸螢幕上調用應用程式、輸入資訊、確認命令，並且應用程式回饋的資訊通過觸摸螢幕被呈現給用戶。作為車載機算機系統，它為應用程式提供了運行平臺，可以安裝不同類型的應用，比如支付錢包和社交應用。這些應用可以調用智慧汽車的其他系統，比如支付錢包可以調用車載支付系統(例如，裝有安全晶片的車載支付設備)和車載通信系統，社交應用可以調用車載導航系統和車載娛樂系統。車載通信系統能夠讓智慧汽車與周圍的通信設備聯繫，其採用的通信技術包括無線蜂窩通信技術(如3G/LTE技術)、專用短程通信(DSRC)技術、近場通信技術(NFC)等。對於支付錢包應用，車載通信系統能夠 完成支付錢包與繳費設備的連接，以及支付錢包與結算中心的連接。車載通信系統能夠提供全面的通信連接解決方案。 The smart car utilized by the embodiment of the present invention may be an integrated vehicle system integrating functions of environment awareness, planning decision, multi-level assisted driving and the like. Smart cars can be made up of different subsystems, such as on-board computer systems, in-vehicle communication systems, and so on. The on-board computer system is the central part of the smart car, and the user operates the on-board computer system through the car touch screen. The touch screen is the most important human-computer interaction interface for the on-board computer. The user can call the application, input information, confirm the command on the touch screen, and the information fed back by the application is presented to the user through the touch screen. As an in-vehicle computer system, it provides an application platform for applications that can install different types of applications, such as payment wallets and social applications. These applications can call other systems of smart cars, such as payment wallets that can call in-vehicle payment systems (eg, in-vehicle payment devices with security chips) and in-vehicle communication systems that can invoke in-vehicle navigation systems and in-vehicle entertainment systems. The vehicle communication system enables smart cars to communicate with surrounding communication devices, and the communication technologies used include wireless cellular communication technologies (such as 3G/LTE technology), dedicated short-range communication (DSRC) technology, and near field communication technology (NFC). For payment wallet applications, in-vehicle communication systems can Complete the connection between the payment wallet and the payment device, and the connection between the payment wallet and the settlement center. The in-vehicle communication system provides a comprehensive communication connectivity solution.
通過以上實施方式的描述，本領域中的普通技術人員能夠理解，在不偏離本發明的精神和範圍的情況下，還可以對本發明的具體實施方式作各種變更和替換。這些變更和替換都落在本發明申請專利範圍所限定的範圍內。 Various changes and substitutions of the specific embodiments of the present invention can be made by those of ordinary skill in the art. Such changes and substitutions are within the scope defined by the scope of the invention.
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