TWI673664B - Vehicle information system box (T-BOX), T-BOX based vehicle payment system and method thereof - Google Patents

Abstract

The invention relates to a T-BOX-based smart car built-in electronic payment system and a payment method. The system is provided with: a T-BOX provided in the smart car; and a merchant terminal for interacting with the T-BOX and completing payment, wherein the T-BOX is provided with: a payment application for realizing needs An application for making a payment; a payment module called by the payment application and used to implement a payment function; and an SE module called by the payment module and used to securely store account information. According to the present invention, the T-BOX can be used as a payment terminal to improve the payment ability, and at the same time, the security of payment can be ensured.

Description

Vehicle information system box (T-BOX), T-BOX-based vehicle payment system and method thereof

[0001] The present invention relates to in-vehicle communication technology, and in particular, to T-BOX, T-BOX-based smart car built-in electronic payment system, and payment method.

[0002] First, the Internet of Vehicles communication technology (V2X) will be described. [0003] Under the Internet of Vehicles environment, through the interaction and sharing of information between cars and cars, roads, people, and backgrounds, intelligent collaboration and cooperation between cars and infrastructure is achieved to achieve intelligent traffic management control, intelligent vehicle control, and intelligent dynamics. The integrated network of information services is an extension of the Internet of Things technology in the field of intelligent transportation systems. Among them, cars rely on new in-vehicle communication technology and have direct point-to-point communication capabilities with the outside world, especially with roadside units and cars, which can achieve immediate, low-latency direct communication capabilities without forwarding through network operators' networks. [0004] Next, the internal architecture of the automotive intelligent system will be described. [0005] FIG. 1 is a block diagram of the internal architecture of a car intelligent system in the prior art. [0006] As shown in FIG. 1, the inside of a car intelligent system mainly includes: a car body electronic system 10, a car operating system 20, a car smart entertainment system 30, an extended application 40, and a T-BOX communication device 50. [0007] The vehicle body electronic system 10 and the vehicle operating system 20 are used for real-time control of the vehicle, such as brakes, turn signals, etc., and the vehicle-mounted intelligent entertainment system 30 is used for audio-visual entertainment and vehicle information display. The extended application 40 is, for example, used to implement a scene payment APP such as parking, charging, and ETC. The T-BOX communication device 50 is a gateway device for communication between an automobile and the outside. [0008] Among them, in the prior art, the T-BOX communication device 50 generally includes a mobile communication module, a WIFI module, a Bluetooth module, a GPS module, a local storage module, a power module, and an automotive bus access module. , Vehicle network communication module and application bearing module. [0009] With the development of the Internet + cars, car sharing will be the mainstream trend in the future connected car environment due to the consideration of car resource utilization and efficient and convenient transportation, that is, more car trips will adopt the time-sharing lease model, and In the non-private car model, in this process, new requirements are imposed on the car rental costs during the car time-sharing process, as well as payment methods such as parking, high-speed tolls, and fines for violations of the car during use. [0010] First of all, under the current technology model, the car is not a payment terminal, so it cannot meet the payment needs of the car as the core scenario during the use of the car. For example, when the payment process needs to upload the information such as the car model, identification number, license plate, etc., and pay It's not convenient. [0011] Therefore, the existing payment technologies mainly include two methods: mobile phone APP payment and after-installed vehicle unit payment: (1) Mobile phone APP payment means that the mobile phone APP is used to associate with the used car every time it is rented. After the end, the payment is completed through the mobile payment method. This payment method can only meet the demand for car rental costs. The payment requirements such as parking, high-speed tolls, and fines for violations during the use of the car still need to follow the original process. There are payment methods in different scenarios. The problem of fragmentation. At the same time, each time you rent a mobile app, you need to fill in some information manually. The convenience is not high, and you cannot bring car information when paying. [0012] (2) The typical case of this method for after-installed on-board unit payment is ETC OUB equipment, which can mainly solve the problem of highway toll collection, but cannot solve other scenarios such as car rental payment and parking payment. OBU equipment will handle the equipment when it is processed. Initially enter information such as license plate number, and must be bound to a unique payment card, so it cannot be used in shared car scenarios.

[0013] In view of the above problems, the present invention aims to provide a T-BOX-based smart car built-in electronic payment system and a payment method capable of transforming a car into a payment terminal. [0014] The T-BOX-based smart car built-in electronic payment system of the present invention is characterized by: T-BOX installed in the smart car; and a merchant terminal for interacting with the T-BOX And complete the payment. Among them, the T-BOX is provided with: 应用 a payment application for implementing an application that requires payment; a payment module which is called by the payment application and is used to implement a payment function; and an SE module which is described by the The payment module is called and used to securely store account information. [0015] Preferably, the payment application is used to obtain vehicle information from a smart car and provide it to the merchant terminal, call the payment module according to the order request from the merchant terminal, and on the other hand, according to the payment from the payment The account information returned by the module and the order information generate payment information and send it to the payment service module, and the payment service module is configured to retrieve account information from the SE module according to the call of the payment application, and Return the retrieved account information to the payment application, and on the other hand, send the payment information sent from the payment application to the merchant terminal. [0016] Preferably, the payment service module encrypts the payment information and sends it to the merchant terminal. [0017] Preferably, the payment module includes: an interaction module for implementing account management and interaction functions; a transaction management module; for implementing payment business logic processing; ； a communication management module for implementing payment communication capabilities ; And the core function interface, which is used to package the vehicle payment function in the form of an interface. [0018] Preferably, the transaction management module includes: a remote system management module for receiving and processing data exchange requests from a merchant terminal; a transaction kernel module for grouping packets according to payment account information and vehicle information Payment information; an SE operation module for calling the SE module; and a biometric authentication module for determining whether a user can perform a payment operation through authentication of the biometric information. [0019] The T-BOX provided in the smart car of the present invention is characterized by having: a payment application for implementing an application requiring payment; a payment module which is called by the payment application and is used for implementing a payment function ; And an SE module, called by the payment module and used to securely store account information. [0020] Preferably, the payment application is used to obtain vehicle information from a smart car and provide it to a merchant terminal, call the payment module according to an order request from the merchant terminal, and on the other hand, according to the return from the payment module The account information and the order information generate payment information and send it to the payment service module, and the payment service module is configured to retrieve the account information from the SE module according to the call of the payment application, and The account information is returned to the payment application, and on the other hand, the payment information sent from the payment application is sent to the merchant terminal. [0021] Preferably, the payment service module encrypts the payment information and sends it to a merchant terminal. [0022] Preferably, the payment module is provided with: an interaction module for implementing account management and interaction functions; a transaction management module; for implementing payment business logic processing; a communication management module for implementing payment communication capabilities ; And the core function interface, which is used to package the vehicle payment function in the form of an interface. [0023] Preferably, the transaction management module includes: a remote system management module for receiving and processing data exchange requests from a merchant terminal; a transaction kernel module for grouping packets according to payment account information and vehicle information Payment information; an SE operation module for calling the SE module; and a biometric authentication module for determining whether a user can perform a payment operation through authentication of the biometric information. [0024] The T-BOX-based smart car electronic payment method of the present invention, which is implemented by the smart car T-BOX and a merchant terminal, is characterized by including the following steps: ： vehicle information providing step, T- BOX provides vehicle information to the merchant terminal; Order request step, the merchant terminal forms an order request based on the received vehicle information and sends it to T-BOX; Payment information generation step, T-BOX generates payment information containing account information according to the order request; Payment In the information sending step, T-BOX sends the payment information to the merchant terminal; and in the payment completion step, the merchant terminal completes the payment according to the payment information. [0025] Preferably, the payment information generation step includes the following sub-steps: T-BOX performs payment condition verification according to the order request, and if the verification is passed, the following steps are continued; T-BOX reads the stored in T-BOX Account information in the SE module; and T-BOX generates payment information based on account information and order requests. [0026] Preferably, in the payment information sending step, the T-BOX encrypts the payment information and sends it to the merchant terminal. [0027] As described above, the T-BOX-based smart car built-in electronic payment system and payment method of the present invention can obtain the following technical effects: As a car front-loading device, by changing the T-BOX into a payment terminal, Under the premise of not changing the automobile supply chain, it is convenient to transform the car into a payment terminal. At the same time, T-BOX can effectively read the internal parameters of the car, thereby forming a good technical basis for the device to form a device fingerprint for the car as a payment terminal during the payment process; The ability to pay is efficient. By using the car as a payment terminal, the car information can be transmitted together during the payment process, which enhances the integration of payment and application scenarios, and can respond to various automotive consumer payment scenarios. For example, high-speed charging needs Different models are used for pricing. Because the SE module is used to store account information, it can effectively guarantee payment security. T-BOX is a car-to-vehicle communication device in the car. In the present invention, T-BOX has both payment and communication capabilities. , Can realize the joint modularization of communication and payment capabilities.

[0032] What follows are some of the various embodiments of the present invention, which are intended to provide a basic understanding of the present invention. It is not intended to identify key or critical elements of the invention or to limit the scope of protection. [0033] First of all, the related concepts to be mentioned in the electronic payment system and payment method built in the smart car based on the Telematics-Box (T-BOX) of the present invention are briefly introduced. [0034] (1) Token Token technology means that after the Token Service Provider generates a Token based on the PAN (primary account number) provided by the Token requestor, the Token is transferred as a substitute value of the PAN at various stages of payment, so that In the payment process, the unique PAN is only passed between the Token service provider, the transfer party, and the card issuer. Because the three are connected by a dedicated line and trust each other, and when the risk is detected or expires, a new PAN will be generated again. Token replacement, thereby greatly reducing the possibility of PAN leakage during the payment process, and greatly improving the security of PAN. [0035] (2) SE SE refers to the Security Element, which can provide a secure execution environment, and the information stored in it cannot be cracked or illegally read. [0036] FIG. 2 is a structural block diagram of a T-BOX-based smart car built-in electronic payment system of the present invention. [0037] As shown in FIG. 2, the T-BOX-based smart car built-in electronic payment system of the present invention includes a T-BOX 100 and a merchant terminal 200. [0038] Among them, the T-BOX 100 includes: a payment application 110, a payment module 120, and an SE module 130. [0039] The payment application 110 refers to various applications that require payment, and the content of the application is not limited herein. The payment module 120 is a module called by the payment application 110 and used to implement a payment function. The SE module 130 is called by the payment module 120 and is used to securely store account information. Because of the secure storage, the information in the SE module 130 cannot be cracked or illegally read. [0040] Of course, the T-BOX 100 of the present invention should also be provided with a mobile communication module, a WIFI module, a Bluetooth module, a GPS module, a local storage module, a power module, a car bus access module, and a vehicle network. Since communication modules and other modules are already existing technologies, their descriptions will be omitted in the following. [0041] On the other hand, the newly added payment module 120 of the present invention can also be regarded as an application running in the existing technology, that is, the application bearing module in the structure diagram of FIG. 1. The SE module 130 can be seen. As an external device of the application bearing module, the application reads the data stored by the SE module 130 through the bus of the application bearing module. [0042] FIG. 3 is a structural block diagram of the payment module 120 in the T-BOX of the present invention. [0043] As shown in FIG. 3, the payment module 120 includes: an interaction module 121, a transaction management module 122, a communication management module 123, and a core function interface 124. [0044] Among them, the interaction module 121 provides account management interaction capabilities, such as account registration, activation, default account management, or card management. [0045] The transaction management module 22 provides payment business logic processing, bio-payment authentication, and the ability to read mobile phone tokens and payment management configurations, that is, the transaction management module 122 is used to complete transaction management configuration, processing, and transaction authentication. [0046] Specifically, the transaction management module 122 includes a remote system management module, a transaction kernel module, an SE operation module, and a biometric authentication module (these modules are not marked in FIG. 3, and only their Features). Among them, the remote system management module is used to receive and process data exchange notifications and requests from the merchant terminal 200, and the transaction kernel module is used to package payment information according to business requirements, that is, to collect payment account information and vehicle information And other data packages into payment information. The SE operation module is used to operate the SE module 130. The biometric authentication module is used to determine whether a user can perform a payment operation by authenticating biometric information (for example, fingerprint, finger vein, face, voice, iris, palm print, etc.) (the biometric authentication module is an optional module). [0047] The communication management module 123 provides payment communication capabilities, and is responsible for establishing network security connections and data transmission capabilities. The communication management module 123 is used to provide payment communication capabilities and is responsible for establishing network security connections and data transmission capabilities. [0048] Specifically, the communication management module 123 provides a TLS / SSL secure connection, a remote notification service, and a vehicle network data transmission service. Among them, the communication layer-TLS / SSL is mainly responsible for establishing a secure communication connection between the payment service module 110 and an external entity, and the remote notification service notification is mainly an interface between the payment service module 110 and the remote notification service. [0049] The core function interface 124 encapsulates the in-vehicle payment function in the form of an interface, and provides external call-pointing capabilities. The core function interface 124 is mainly used to coordinate the function scheduling and data exchange of each module, and is a unified interface implementation of other modules. [0050] Next, a payment method using a T-BOX-based smart car built-in electronic payment system of the present invention will be described. [0051] FIG. 4 is a flowchart of a T-BOX-based smart car built-in electronic payment method of the present invention. [0052] In step S100, the merchant terminal 200 (such as a toll booth) communicates with the T-BOX 100, the merchant terminal 200 communicates with the payment application 110 in the T-BOX 100, and the payment application 110 converts vehicle information such as vehicle type, Vehicle information such as a license plate number or other related information is transmitted to the merchant terminal 200. [0053] In step S101, after receiving the vehicle information, the merchant terminal 200 initiates a merchant order request to the vehicle according to the vehicle information, and the merchant order request is sent to the payment application 110 of the T-BOX 100. [0054] In step S102, the payment application 110 of the T-BOX 100 receives a request to perform business rule matching (for example, risk business rules, etc.) based on the vehicle information to verify whether the payment conditions are legal. If the payment conditions are legal, continue to step S103. Otherwise, the process ends and the payment failure is returned to the merchant terminal 200. [0055] In step S103, the payment application 110 initiates a payment account request to the transaction management module 122 of the payment service module 120, and the account may be, for example, a bank card token. [0056] In step S104, the transaction management module 122 of the payment service module 120 issues an account information reading instruction to the SE module 130. [0057] In step S105, the account information is read, and the account information is returned from the SE module 130 to the payment service module 120. [0058] In step S106, the payment service module 120 returns account information to the payment application 110. [0059] In step S107, the payment application 110 organizes payment information, and sends the payment information to the communication management module 123 of the payment module 120, and requests payment information to be transmitted in a securely connected environment. [0060] In step S108, the communication management module 123 of the payment service module 120 sends the encrypted payment information to the merchant terminal 200. [0061] In step S109, the merchant terminal 200 continues processing after receiving the payment information, and returns to the communication management module 123 of the payment service module 120 after confirming the payment information. [0062] In step S110, the communication management module 123 of the payment service module 120 forwards the payment information confirmation to the payment application 110, and the payment is successful. [0063] The T-BOX-based smart car built-in electronic payment system and payment method of the present invention can obtain the following technical effects: (1) T-BOX is used as a vehicle front-loading device. By changing T-BOX into a payment terminal, Without changing the car supply chain, the car can be easily converted into a payment terminal. At the same time, T-BOX can effectively read the internal parameters of the car, thereby forming a good technical foundation for the car to form a device fingerprint during the payment process; ( 2) Efficient payment capabilities. By using a car as a payment terminal, it can effectively transmit car information together during the payment process, enhance the integration of payment and application scenarios, and can meet various automotive consumer payment scenarios, such as high-speed charging needs. Differentiated pricing according to different models; (3) Because the SE module is used to store account information, it can effectively guarantee payment security; (4) T-box is a vehicle-to-vehicle communication device in the car. In the present invention, the T-box BOX has both payment ability and communication ability, and can realize the joint module of communication and payment ability Into. [0064] The above examples mainly explain the T-BOX-based smart car built-in electronic payment system and payment method of the present invention. Although only some of the specific embodiments of the present invention have been described, those of ordinary skill in the art should understand that the present invention can be implemented in many other forms without departing from the spirit and scope thereof. Therefore, the illustrated examples and implementations are to be regarded as illustrative rather than restrictive, and without departing from the spirit and scope of the invention as defined by the appended claims, the invention may cover various modifications and replace.

[0065]

10‧‧‧Car body electronic system

20‧‧‧Car Operating System

30‧‧‧Car Smart Entertainment System

40‧‧‧Extended application

50‧‧‧T-BOX communication equipment

100‧‧‧T-BOX

110‧‧‧ payment application

120‧‧‧ payment module

130‧‧‧SE Module

200‧‧‧Merchant Terminal

121‧‧‧ Interactive Module

122‧‧‧Transaction Management Module

123‧‧‧Communication Management Module

124‧‧‧Core Function Interface

S100 ~ S110‧‧‧step

[0028] FIG. 1 is a block diagram of an internal architecture of a car intelligent system in the prior art. [0029] FIG. 2 is a structural block diagram of a T-BOX-based smart car built-in electronic payment system of the present invention. [0030] FIG. 3 is a structural block diagram of a T-BOX of the present invention. [0031] FIG. 4 is a flowchart of a T-BOX-based smart car built-in electronic payment method of the present invention.

Claims (13)

A built-in electronic payment system for a smart car based on T-BOX, which is characterized by comprising: a T-BOX, which is set in the smart car; and a merchant terminal, which is used to interact with the T-BOX and complete payment, wherein , The T-BOX is equipped with: a payment application for implementing applications that require payment; a payment module, which is called by the payment application and is used to implement payment functions; and an SE module, which is called by the payment module and For securely storing account information, the payment module includes: a communication management module for implementing payment communication; and a core function interface for the vehicle payment function to be packaged in the form of an interface. The T-BOX-based smart car built-in electronic payment system according to claim 1, wherein the payment application is used to obtain vehicle information from the smart car and provide it to the merchant terminal, based on the order request from the merchant terminal Calling the payment module, on the other hand, generating payment information based on the account information returned from the payment module and the order information and sending it to the payment service module, the payment service module is used for The call of the payment application retrieves the account information from the SE module and returns the retrieved account information to the payment application. On the other hand, the payment information sent from the payment application is sent to the merchant terminal. The T-BOX-based smart car built-in electronic payment system according to claim 2, wherein the payment service module encrypts the payment information and sends it to the merchant terminal. The T-BOX-based smart car built-in electronic payment system according to any one of claims 1 to 3, wherein the payment module further includes: an interaction module for implementing account management and interaction functions; and transaction management Module; used to implement payment business logic processing. The T-BOX-based smart car built-in electronic payment system according to claim 4, wherein the transaction management module includes: a remote system management module for receiving and processing data exchange requests from merchant terminals; transactions The kernel module is used to form payment information based on payment account information and vehicle information; the SE operation module is used to call the SE module; and the biometric authentication module is used to authenticate biometric information Determine whether the user can perform payment operations. A T-BOX installed in a smart car is characterized by having: a payment application for implementing an application that requires payment; a payment module that is called by the payment application and used to implement a payment function; and an SE module , Which is called by the payment module and used to securely store account information. The payment module includes: a communication management module for realizing payment communication; and a core function interface for the vehicle payment function to be packaged in the form of an interface. The T-BOX according to claim 6, wherein the payment application is used to obtain vehicle information from a smart car and provide it to a merchant terminal, call the payment module according to an order request from the merchant terminal, and The account information returned by the payment module and the order information generate payment information and send to the payment service module, the payment service module is used to retrieve from the SE module according to the call of the payment application Account information and return the retrieved account information to the payment application, and on the other hand, send the payment information sent from the payment application to the merchant terminal. The T-BOX according to claim 7, wherein the payment service module encrypts the payment information and sends it to the merchant terminal. The T-BOX according to any one of claims 6 to 8, wherein the payment module further includes: an interaction module for implementing account management and interaction functions; and a transaction management module; for implementing payment business Logic processing. The T-BOX according to claim 9, wherein the transaction management module includes: a remote system management module for receiving and processing data exchange requests from merchant terminals; and a transaction kernel module for payment based on payment The account information and vehicle information are grouped into payment information; the SE operation module is used to call the SE module; and the biometric authentication module is used to determine whether the user can perform the payment operation through the authentication of the biometric information. A built-in electronic payment method for a smart car based on T-BOX. The electronic payment method is implemented by a T-BOX of a smart car and a merchant terminal, and is characterized by the following steps: a vehicle information providing step, and the T-BOX provides vehicle information To the merchant terminal; in the order request step, the merchant terminal forms an order request based on the received vehicle information and sends it to the T-BOX; in the payment information generation step, the T-BOX generates payment information including account information according to the order request; in the payment information sending step, T -BOX sends the payment information to the merchant terminal; and the payment completion step, the merchant terminal completes the payment according to the payment information, the T-BOX is provided with a payment module, wherein the payment module is provided with: a communication management module for realizing Payment communication; and core function interface, which is used to encapsulate the vehicle payment function in the form of interface. The T-BOX-based smart car built-in electronic payment method according to claim 11, wherein the payment information generation step includes the following sub-steps: the T-BOX performs payment condition verification according to the order request, and if the verification passes, continue The following steps; T-BOX reads the account information stored in the SE module of T-BOX; and T-BOX generates payment information based on the account information and order request. The T-BOX-based smart car built-in electronic payment method according to claim 11, wherein, in the payment information sending step, the T-BOX encrypts the payment information and sends it to the merchant terminal.