TWI836622B - In-vehicle payment methods, terminals, servers, systems and media - Google Patents

Abstract

The present invention discloses a vehicle-mounted payment method, terminal, server, system and medium, which belongs to the field of data processing. The method includes: when the vehicle-mounted terminal of the target vehicle is sensed by the acceptance terminal of the parking lot, the vehicle-mounted terminal receives the parking fee message sent by the acceptance terminal, and the parking fee message includes the vehicle identification and payment information; according to the parking fee message and the payment card information pre-stored in the vehicle-mounted terminal, a payment initiation message is generated, and the payment card information includes the personalized data of the payment card; the payment initiation message is sent so that the payment management server obtains the payment initiation message, and uses the payment initiation message to interact with the payment resource server to complete the payment. According to the embodiment of the present invention, the payment efficiency can be improved.

Description

In-vehicle payment methods, terminals, servers, systems and media

The invention belongs to the field of data processing, and in particular relates to a vehicle-mounted payment method, terminal, server, system and medium.

With the advancement of science and technology, vehicles occupy an important position in people's lives.

When users are not using their vehicles, they can park them in the parking lot. Correspondingly, the parking lot will charge corresponding fees for parking the vehicles. For example, when a vehicle is parked in the parking lot for a period of time and wants to leave the parking lot, the user needs to pay the parking fee by handing over cash to the parking lot manager or by scanning the code. The payment requires the user to manually participate in the operation, and the payment process is cumbersome and inefficient.

The present invention provides an in-vehicle payment method, terminal, server, system and medium, which can improve payment efficiency.

In the first aspect, the embodiment of the present invention provides a vehicle-mounted payment method, which is applied to a vehicle-mounted terminal. The method includes: when the vehicle-mounted terminal of the target vehicle is sensed by the acceptance terminal of the parking lot, receiving the parking fee message sent by the acceptance terminal, the parking fee message includes the vehicle identification and payment information; generating a payment initiation message according to the parking fee message and the payment card information pre-stored in the vehicle-mounted terminal, the payment card information includes the personal data of the payment card; sending the payment initiation message so that the payment management server obtains the payment initiation message, and uses the payment initiation message to interact with the payment resource server to complete the payment.

In the second aspect, the embodiment of the present invention provides a vehicle-mounted payment method, which is applied to the acceptance terminal of the parking lot, and the method includes: when the acceptance terminal senses the vehicle-mounted terminal of the target vehicle, the vehicle identification and payment information of the target vehicle are obtained; according to the vehicle identification and payment information of the target vehicle, a parking fee message is generated, and the parking fee message includes the vehicle identification and payment information of the target vehicle; the parking fee message is sent to the vehicle-mounted terminal, so that the vehicle-mounted terminal generates a payment initiation message according to the parking fee message and the payment card information pre-stored in the vehicle-mounted terminal, and the payment initiation message is obtained by the payment management server for interaction with the payment resource server to complete the payment, and the payment card information includes the personal data of the payment card.

In a third aspect, embodiments of the present invention provide a vehicle-mounted payment method, which is applied to a payment management server. The method includes: obtaining a payment initiation message. The payment initiation message is generated by the vehicle-mounted terminal based on the parking charging information and payment card information pre-stored in the vehicle-mounted terminal. Generated, the parking fee message includes the vehicle identification and payment information obtained by the parking lot acceptance terminal after sensing the vehicle-mounted terminal of the target vehicle. The payment card information includes the personalized data of the payment card; the payment initiation message is used to interact with the payment resource server , complete the payment.

Fourthly, the embodiment of the present invention provides a vehicle terminal, including: a receiving module, used to receive a parking fee message sent by the acceptance terminal when the vehicle terminal of the target vehicle is sensed by the acceptance terminal of the parking lot, the parking fee message including the vehicle identification and payment information; a generating module, used to generate a payment initiation message according to the parking fee message and the payment card information pre-stored in the vehicle terminal, the payment card information including the personal data of the payment card; a sending module, used to send the payment initiation message so that the payment management server obtains the payment initiation message, and uses the payment initiation message to interact with the payment resource server to complete the payment.

In a fifth aspect, embodiments of the present invention provide an acceptance terminal, including: an acquisition module, configured to acquire the vehicle identification and payment information of the target vehicle when the acceptance terminal senses the vehicle-mounted terminal of the target vehicle; and a generation module, using The parking charging message is generated based on the vehicle identification and payment information of the target vehicle. The parking charging message includes the vehicle identification and payment information of the target vehicle; the sending module is used to send the parking charging message to the vehicle-mounted terminal, so that the vehicle-mounted terminal can generate parking charging information according to the parking charging information. and the payment card information pre-stored in the vehicle-mounted terminal to generate a payment initiation message, which is obtained by the payment management server for use with The payment resource server interacts to complete the payment. The payment card information includes the personalized information of the payment card.

In the sixth aspect, the embodiment of the present invention provides a payment management server, including: a receiving module, used to obtain a payment initiation message, the payment initiation message is generated by the vehicle terminal according to the parking fee information and the payment card information pre-stored in the vehicle terminal, the parking fee information includes the vehicle identification and payment information obtained by the parking lot acceptance terminal when sensing the vehicle terminal of the target vehicle, and the payment card information includes the personalized data of the payment card; a sending module, used to interact with the payment resource server using the payment initiation message to complete the payment.

In a seventh aspect, embodiments of the present invention provide a vehicle-mounted terminal, including: a processor and a memory storing computer program instructions; when the processor executes the computer program instructions, the vehicle-mounted payment method of the first aspect is implemented.

In the eighth aspect, the embodiment of the present invention provides an acceptance terminal, including: a processor and a memory storing computer program instructions; when the processor executes the computer program instructions, the vehicle-mounted payment method of the second aspect is implemented.

In a ninth aspect, embodiments of the present invention provide a payment management server, including: a processor and a memory storing computer program instructions; when the processor executes the computer program instructions, the vehicle-mounted payment method of the third aspect is implemented.

In a tenth aspect, embodiments of the present invention provide a vehicle-mounted payment system, including the vehicle-mounted terminal of the seventh aspect, the acceptance terminal of the eighth aspect, and the payment management server of the ninth aspect.

In the eleventh aspect, an embodiment of the present invention provides a computer-readable storage medium, on which computer program instructions are stored, and when the computer program instructions are executed by a processor, the vehicle-mounted payment method of the first aspect, the vehicle-mounted payment method of the second aspect, or the vehicle-mounted payment method of the third aspect is implemented.

The embodiment of the present invention provides a vehicle-mounted payment method, terminal, server, system and medium. When the acceptance terminal of the parking lot senses the vehicle-mounted terminal, the acceptance terminal can send a parking fee message to the vehicle-mounted terminal. The vehicle-mounted terminal can generate and send a payment initiation message based on the parking fee information and the payment card information pre-stored in the vehicle-mounted terminal. The parking fee message includes the vehicle identification and payment information, and the payment card information includes the personal data of the payment card. The payment management server can interact with the payment resource server through the payment initiation message, and complete the payment using the vehicle identification, payment information, and personal data of the payment card that can be represented by the payment initiation message. The payment process does not require the user to manually participate in the operation, simplifies the payment process, and improves the payment efficiency.

1000,1300: Payment management server

1003: Matching module

11,A1,A2,A3,800,1100: Vehicle terminal

1101,1201,1301: memory

1102,1202,1302:Processor

1103,1203,1303: Communication interface

1104,1204,1304:Bus

12,900,1200: Acceptance terminal

13: Payment management server

14: Payment resource server

15: User terminal

21: Vehicles

22: Gate

801,1001: receiving module

802,902: Generate module

803,903,1002:Sending module

804:Storage module

805,904: Verification module

901: Get module

905: Control module

B1,B2,B3: Payment information

ID1, ID2, ID3: vehicle identification

S301,S302,S3021,S3022,S303,S401,S402,S403,S4031,S501,S502,S601,S602,S603,S604,S605,S606,S607,S608,S609,S610,S611, S612,S701,S702,S703,S704,S705,S706,S707,S708,S709,S710,S711,S712: Steps

In order to more clearly explain the technical solution of the embodiment of the present invention, the following will briefly introduce the diagrams required for use in the embodiment of the present invention. For ordinary technicians in this field, other diagrams can be obtained based on these diagrams without creative labor.

FIG1 is a schematic diagram of an example of an application scenario of the vehicle-mounted payment method provided by an embodiment of the present invention; FIG2 is a schematic diagram of another example of an application scenario of the vehicle-mounted payment method provided by an embodiment of the present invention; FIG3 is a schematic diagram of another example of an application scenario of the vehicle-mounted payment method provided by an embodiment of the present invention; FIG4 is a flow chart of an embodiment of the vehicle-mounted payment method provided by the first aspect of the present invention; FIG5 is a flow chart of another embodiment of the vehicle-mounted payment method provided by the first aspect of the present invention; FIG6 is a flow chart of an embodiment of the vehicle-mounted payment method provided by the second aspect of the present invention; FIG7 is a flow chart of another embodiment of the vehicle-mounted payment method provided by the second aspect of the present invention; FIG8 is a flow chart of an embodiment of the vehicle-mounted payment method provided by the third aspect of the present invention; FIG9 is a flow chart of an example of a vehicle-mounted payment process provided by an embodiment of the present invention; FIG10 is a flow chart of another example of a vehicle-mounted payment process provided by an embodiment of the present invention; FIG11 is a structural diagram of an embodiment of the vehicle-mounted terminal provided by the fourth aspect of the present invention; FIG12 is a structural diagram of another embodiment of the vehicle-mounted terminal provided by the fourth aspect of the present invention; FIG13 is a structural diagram of an embodiment of the acceptance terminal provided by the fifth aspect of the present invention; FIG14 is a structural diagram of another embodiment of the acceptance terminal provided by the fifth aspect of the present invention; FIG15 is a structural diagram of an embodiment of the payment management server provided by the sixth aspect of the present invention; FIG16 is a structural diagram of another embodiment of the payment management server provided by the sixth aspect of the present invention; FIG17 is a structural diagram of an embodiment of the vehicle-mounted terminal provided by the seventh aspect of the present invention; FIG18 is a structural diagram of an embodiment of the acceptance terminal provided by the eighth aspect of the present invention; FIG19 is a structural diagram of an embodiment of the payment management server provided by the ninth aspect of the present invention.

Features and exemplary embodiments of various aspects of the present invention will be described in detail below. In order to make the purpose, technical solutions and advantages of the present invention clearer, the present invention will be described in further detail below in conjunction with the drawings and specific embodiments. It should be understood that the specific embodiments described herein are only intended to explain the invention, rather than to limit the invention. It will be apparent to one skilled in the art that the present invention may be practiced without some of these specific details. implementation. The following description of the embodiments is merely intended to provide a better understanding of the invention by illustrating examples of the invention.

With the advancement of modern technology, cars have played an important role in people's travel life. When users are not using their vehicles, they can park them in parking lots. Parking lot managers can record users' parking information and charge users for parking when they leave the parking lot. Users need to pay in cash or use mobile phones or other terminals to scan and pay to complete the payment of parking fees. The payment process requires manual participation of users, and the payment process is cumbersome, inefficient, and the user experience is poor.

The present invention provides a vehicle-mounted payment method, terminal, server, system and medium. The vehicle-mounted terminal and the acceptance terminal of the parking lot can actively interact and initiate payment to the payment management server, so that the payment management server and the payment resource server complete the payment through interaction. In the payment process of the embodiment of the present invention, the user's manual participation in the operation can be eliminated, thereby simplifying the payment process and improving payment efficiency and user experience.

The vehicle-mounted payment method provided by the present invention may involve a vehicle-mounted terminal, an acceptance terminal, a payment management server, and a payment resource server.

FIG1 is a schematic diagram of an example of an application scenario of the vehicle-mounted payment method provided by an embodiment of the present invention. As shown in FIG1 , the vehicle-mounted terminal 11 can communicate and interact with the acceptance terminal 12, the acceptance terminal 12 can communicate and interact with the payment management server 13, and the payment management server 13 can communicate and interact with the payment resource server 14.

The vehicle terminal 11 is set in the vehicle 21. The vehicle terminal 11 may be provided with a short-distance wireless communication module, so that the vehicle terminal 11 can communicate with other devices in a short-distance wireless manner. For example, the vehicle terminal 11 can communicate with the acceptance terminal 12 in a short-distance wireless manner. A security area is set in the vehicle terminal 11, and the security area may include one or more of a secure element (SE), an embedded secure element (eSE), and a trusted execution environment (TEE), which are not limited here. The information interaction between the vehicle terminal and the security area can optimize multiple application protocol data unit (APDU) commands into one command.

The acceptance terminal 12 is a payment acceptance device of the parking lot, which may specifically include a point of sale terminal (POS) or other equipment, which is not limited here. The acceptance terminal 12 may be provided with a short-distance wireless communication module, so that the acceptance terminal 12 can communicate with other equipment in a short-distance wireless manner. For example, the acceptance terminal 12 can communicate with the vehicle-mounted terminal 11 in a short-distance wireless manner. The acceptance terminal 12 can also communicate with other equipment by wire and/or wireless. For example, the acceptance terminal 12 can communicate with the payment management server 13 by wire, or the acceptance terminal 12 and the payment management server 13 can be transferred through other equipment, that is, the communication interaction between the acceptance terminal 12 and the payment management server 13 can be a combination of wired communication and wireless communication. In some cases, the acceptance terminal 12 can control the opening and closing of the parking lot gate 22. The gate 22 can also be controlled by other devices, which is not limited here. When the payment of the vehicle 21 is completed, the gate 22 can be opened to allow the vehicle 21 to pass.

The payment management server 13 can be a component of the IoT platform, and the IoT platform can include at least one payment management server 13, which is not limited here. The payment management server 13 can interact with the payment resource server 14 to complete the payment.

The payment resource server 14 may be a server of the issuing institution of the payment card. For example, if the payment card is a bank card, the payment resource server 14 may be a server of the corresponding bank. The payment resource server 14 may deduct money from the payment card to complete the payment.

FIG2 is a schematic diagram of another example of an application scenario of the vehicle-mounted payment method provided by an embodiment of the present invention. FIG2 differs from FIG1 in that the vehicle-mounted terminal 11 shown in FIG2 can also communicate wirelessly with the payment management server 13. For example, the vehicle-mounted terminal 11 can be provided with a physical user identification module (Subscriber Identification Module, SIM) card or a virtual SIM card so that the vehicle-mounted terminal 11 can communicate with the payment management server 13 via a data network, such as the vehicle-mounted terminal 11 can communicate with the payment management server 13 via a 3G, 4G, 5G or other data network using a SIM card. The specific contents of the acceptance terminal 12, the payment management server 13 and the payment resource server 14 can be found in the above-mentioned related descriptions and will not be elaborated here.

Figure 3 is a schematic diagram of another example of the application scenario of the in-vehicle payment method provided by the embodiment of the present invention. The difference between Figure 3 and Figure 2 is that the user terminal 15 is also shown in Figure 3 . As shown in FIG. 3 , the user terminal 15 can perform short-distance wireless communication or wired communication with the vehicle-mounted terminal 11, which is not limited here. The user terminal 15 can perform user authorization on the vehicle-mounted terminal 11 so that the vehicle-mounted terminal 11 can interact with the authorized server. The user terminal 15 can also directly transmit the data required by the vehicle-mounted terminal 11 to the vehicle-mounted terminal 11 . The user terminal 15 may include a mobile phone, a tablet computer, a smart wearable device, etc., but is not limited here. The specific contents of the vehicle-mounted terminal 11, the acceptance terminal 12, the payment management server 13 and the payment resource server 14 can be found in the above relevant descriptions and will not be described again here.

The in-vehicle payment method, in-vehicle terminal, acceptance terminal, payment management server, in-vehicle payment system and computer-readable storage medium will be described in order below.

The first aspect of the present invention provides a vehicle-mounted payment method that can be applied to a vehicle-mounted terminal, that is, the vehicle-mounted payment method can be executed by the vehicle-mounted terminal. The specific content of the vehicle-mounted terminal can be found in the above-mentioned related descriptions, which will not be repeated here. FIG. 4 is a flow chart of an embodiment of the vehicle-mounted payment method provided by the first aspect of the present invention. As shown in FIG. 4, the vehicle-mounted payment method may include steps S301 to S303.

In step S301, when the vehicle-mounted terminal of the target vehicle is sensed by the acceptance terminal of the parking lot, the parking fee message sent by the acceptance terminal is received.

The target vehicle is any vehicle to which the vehicle-mounted payment method is applied in the embodiment of the present invention. In order to distinguish the vehicle from other vehicles, the vehicle-mounted terminal and the acceptance terminal can communicate wirelessly. When the distance between the vehicle-mounted terminal and the acceptance terminal is within the sensing distance range, the acceptance terminal can sense the vehicle-mounted terminal. When the acceptance terminal senses the vehicle-mounted terminal, the acceptance terminal can communicate and interact with the vehicle-mounted terminal. In some examples, the vehicle-mounted terminal can receive the parking fee information sent by the acceptance terminal through short-distance wireless communication technology. Short-range wireless communication technologies may include Bluetooth technology, 900M communication technology, Wi-Fi technology, ZigBee technology, etc., which are not limited here. Correspondingly, the vehicle-mounted terminal and the receiving terminal may be equipped with Bluetooth communication modules, 900M communication modules, Wi-Fi communication modules, ZigBee communication modules, etc., which are not limited here.

In some examples, the entrance and exit of the parking lot are located at different locations, and the acceptance terminal can be set at the exit. When the target vehicle enters the parking lot through the entrance, the recording device at the entrance can record the vehicle identification and entry time of the target vehicle. The recording device at the entrance can directly or indirectly transmit the vehicle identification and entry time of the target vehicle to the acceptance terminal. The vehicle-mounted terminal of the target vehicle is sensed by the acceptance terminal, indicating that the target vehicle needs to leave the parking lot. In the case that the target vehicle needs to leave the parking lot, the acceptance terminal can record the vehicle identification and departure time of the target vehicle, and generate a parking fee message based on the vehicle identification, entry time, and departure time of the target vehicle. The acceptance terminal can send parking fee information, and correspondingly, the vehicle terminal can receive parking fee information.

In other examples, the entrance and exit of the parking lot are located at the same position, that is, the parking lot is provided with an entrance and an exit, which can be used as both an entrance and an exit. Within a period of time, the target vehicle is sensed by the acceptance terminal for the first time, indicating that the target vehicle needs to enter the parking lot; within this period of time, the target vehicle is sensed by the acceptance terminal for the second time, indicating that the target vehicle needs to leave the parking lot. In the case that the target vehicle needs to enter the parking lot, the acceptance terminal can record the vehicle identification and entry time of the target vehicle. When the target vehicle needs to leave the parking lot, the acceptance terminal can record the target vehicle's vehicle identification and departure time, and generate parking fee information based on the target vehicle's vehicle identification, entry time, and departure time. The acceptance terminal can send parking fee information, and correspondingly, the vehicle terminal can receive parking fee information.

The parking fee information includes vehicle identification and payment information. The vehicle identification is used to identify the vehicle. The vehicle identification is unique to the vehicle. In some examples, the vehicle identification may include license plate information and/or vehicle identification number (VIN), etc., but is not limited to this. The acceptance terminal may identify the vehicle through the vehicle identification. The payment information is information used to characterize the content of this payment. In some examples, the payment information may include one or more of the following: charging party information, payment time, payment fee, parking duration. The charging party information is used to characterize the charging party. The payment time is the time when the payment occurs. The payment fee is the fee to be paid. The parking duration is the duration of the target vehicle parked in the parking lot. In some cases, the payment fee has a certain correspondence with the parking time. The longer the parking time, the higher the payment fee.

The acceptance terminal can send parking charging information in a directed manner to the vehicle-mounted terminal, and can also broadcast parking charging information, which is not limited here.

In step S302, a payment initiation message is generated based on the parking fee information and the payment card information pre-stored in the vehicle terminal.

Payment card information includes personalized payment card information. The personalized information of the payment card is used to realize the transaction and verification of the payment card during the payment process. Personalized information about a payment card may include personal information about the cardholder who holds the payment card and card information about the payment card. For example, personal information may include the cardholder's name, cardholder's ID number, etc., which is not limited here; card information may include card number, card payment identification Token, etc., which is not limited here. The payment card information is stored in the vehicle-mounted terminal, that is, the payment card is bound to the vehicle-mounted terminal, and the vehicle-mounted terminal can use the payment card to initiate payment. In some examples, payment card information can be stored in a secure area of the vehicle-mounted terminal to avoid data leakage and ensure payment security.

The payment initiation message may include vehicle identification, payment information, payment card personalized information and other information, which is not limited here. The payment initiation message may be specifically implemented as an Authenticate Request Cryptogram (ARQC) message, which is not limited here.

Before step S301, the vehicle terminal can obtain payment card information from the outside and store it.

In some examples, the vehicle-mounted terminal may obtain and store payment card information from the payment management server or payment resource server. Specifically, the vehicle-mounted terminal establishes a communication connection with the user terminal, obtains the authorization information of the payment card information from the user terminal, obtains the payment card information from the payment management server or payment resource server according to the authorization information of the payment card information, and stores it. Payment card information.

The vehicle terminal and the user terminal may establish a wired communication connection or a wireless communication connection. For example, the vehicle terminal and the user establish a Bluetooth communication connection. The authorization information is used to indicate that the vehicle terminal has permission to store payment card information. The vehicle terminal may use the authorization information to request payment card information from the payment management server or the payment resource server, and store the payment card information obtained from the payment management server or the payment resource server. The vehicle terminal can pre-agreed with the payment management server or payment resource server on an encryption key, and write the encryption key into the security area of the vehicle terminal. The encrypted payment card information can be transmitted from the payment management server or payment resource server to the security area of the vehicle terminal through a secure encryption channel such as the Global Platform (GP) secret channel, and stored in the security area of the vehicle terminal. The encrypted payment card information can be decrypted in the security area using the encryption key to obtain the payment card information.

In other examples, the vehicle terminal can obtain and store payment card information from the user terminal. Specifically, the vehicle terminal establishes a communication connection with the user terminal, obtains the payment card information from the user terminal, and stores the payment card information.

The vehicle-mounted terminal and the user terminal can establish a wired communication or wireless communication connection. For example, the vehicle-mounted terminal establishes a Bluetooth communication connection with the user. The user terminal stores payment card information, that is, the user terminal is bound to the payment card. The vehicle-mounted terminal can store payment card information transmitted from the user terminal. The vehicle-mounted terminal can pre-agree on the encryption key with the user terminal and write the encryption key into the secure area of the vehicle-mounted terminal. The encrypted payment card information can be transmitted from the user terminal to the secure area of the vehicle-mounted terminal through a secure encrypted channel such as a GP secret channel. , and is stored in the safe area of the vehicle terminal. The encryption key can be used to decrypt the encrypted payment card information in the safe area to obtain the payment card information.

In step S303, a payment initiation message is sent, so that the payment management server obtains the payment initiation message, and uses the payment initiation message to interact with the payment resource server to complete the payment.

In some examples, the vehicle-mounted terminal may directly send a payment initiation message to the payment management server. For example, a SIM card can be installed in the vehicle-mounted terminal to communicate to the vehicle through the data network. The payment management server sends a payment initiation message. The payment management server obtains the payment initiation message and can use the information in the payment initiation message to interact with the payment resource server, so that the payment resource server deducts the parking fee this time.

In other examples, the vehicle-mounted terminal can send a payment initiation message to the acceptance terminal, and the acceptance terminal then sends the payment initiation message to the payment management server. The payment management server obtains the payment initiation message and can use the information in the payment initiation message to interact with the payment resource server, so that the payment resource server deducts the parking fee this time.

In some examples, a pay-then-release approach may be implemented. The vehicle-mounted terminal can send a payment initiation message before the exit gate of the parking lot opens, that is, the vehicle-mounted terminal makes payment before the exit gate opens. When the payment is completed, the payment resource server can send a payment success message to the payment management server. The payment management server can send a payment success message to the acceptance terminal. The acceptance terminal responds to the payment success message and can control the exit gate of the parking lot. The machine turns on, allowing the target vehicle to leave.

In other examples, a release-first-payment-later approach may be implemented. The vehicle-mounted terminal can send a payment initiation message after the exit gate of the parking lot is opened, that is, the vehicle-mounted terminal can make payment after the exit gate is opened. The acceptance terminal can obtain the historical payment orders of the vehicle-mounted terminal. If there are no unpaid orders in the historical payment orders, it can control the exit gate of the parking lot to open to allow the target vehicle to leave.

In the embodiment of the present invention, when the acceptance terminal of the parking lot senses the vehicle-mounted terminal, the vehicle-mounted terminal can receive the parking charging message sent by the acceptance terminal. The vehicle-mounted terminal can generate and send a payment initiation message based on the parking charging information and the payment card information pre-stored in the vehicle-mounted terminal. The parking charging information includes vehicle identification and payment information, and the payment card information includes personalized information of the payment card. The payment management server can interact with the payment resource server through the payment initiation message, and complete the payment using the vehicle identification, payment information, and personalized data of the payment card that can be represented by the payment initiation message. This payment process does not require users to manually participate in the operation, simplifying the payment process and improving payment efficiency. Moreover, the payment process does not require the user to manually participate in the operation, and the user is unaware, which also improves the user's payment experience. test.

The acceptance terminal can sense more than one vehicle-mounted terminal. When the acceptance terminal senses one or more vehicle-mounted terminals, the acceptance terminal can broadcast the parking fee information in a broadcasting manner. Each vehicle-mounted terminal can selectively obtain information matching itself to generate a payment initiation message. FIG5 is a flow chart of another embodiment of the vehicle-mounted payment method provided by the first aspect of the present invention. FIG5 differs from FIG4 in that step S302 in FIG4 can be specifically refined into step S3021 and step S3022 in FIG5.

In step S3021, the first vehicle identification and first payment information are obtained from the parking charging message broadcast by the accepting terminal.

The acceptance terminal can sense each vehicle-mounted terminal within the sensing distance of the acceptance terminal. The acceptance terminal can sense the vehicle-mounted terminal directly or sense the vehicle to determine the vehicle-mounted terminal of the vehicle. The parking fee information may include the vehicle identification and payment information corresponding to each vehicle-mounted terminal that the acceptance terminal can sense.

The vehicle terminal can filter the vehicle identification that is consistent with the target vehicle identification stored in the vehicle terminal from the parking fee information, that is, the first vehicle identification. The first vehicle identification is the vehicle identification that is consistent with the target vehicle identification stored in the vehicle terminal. The target vehicle identification includes the vehicle identification of the target vehicle. After the vehicle terminal filters and obtains the first vehicle identification, it can obtain the payment information corresponding to the first vehicle identification, that is, the first payment information. The first payment information is the payment information corresponding to the first vehicle identification.

For example, the acceptance terminal senses the vehicle terminals of three vehicles, that is, the acceptance terminal senses three vehicle terminals. The vehicle identifications corresponding to the three vehicle terminals are ID1, ID2 and ID3 respectively, and the payment information corresponding to the three vehicle terminals A1, A2 and A3 are payment information B1, payment information B2 and payment information B3 respectively. Correspondingly, the parking fee information broadcast by the acceptance terminal includes "ID1: payment information B1; ID2: payment information B2; ID3: payment information B3". For the vehicle terminal A1, the first vehicle identification is ID1, the first payment information is payment information B1, and when the vehicle terminal A1 receives the parking fee information broadcast by the acceptance terminal, it can filter out "ID1: payment information B1" from the parking fee information. Similarly, for the vehicle terminal A2, the first vehicle identification is ID2, the first payment information is payment information B2, and when the vehicle terminal A2 receives the parking fee information broadcast by the acceptance terminal, it can filter out "ID2: payment information B2" from the parking fee information. For the vehicle terminal A3, the first vehicle identification is ID3, and the first payment information is payment information B3. When the vehicle terminal A3 receives the parking fee information broadcast by the acceptance terminal, it can filter out "ID3: payment information B3" from the parking fee information.

In step S3022, a payment initiation message is generated based on the first vehicle identification, the first payment information and the personalized information of the payment card pre-stored in the vehicle-mounted terminal.

When the vehicle terminal screens and obtains the matching first vehicle identification and first payment information, the vehicle terminal may generate a payment initiation message of the vehicle terminal according to the first vehicle identification, the first payment information, and the personalized data of the payment card pre-stored in the vehicle terminal. In some examples, the payment initiation message may include the first vehicle identification, the first payment information, and the personalized data of the payment card, which is not limited here.

The acceptance terminal can sense more than two vehicle terminals. Correspondingly, the parking fee information broadcast by the acceptance terminal can include the vehicle identification and payment information corresponding to more than two vehicle terminals. The vehicle terminal can filter out the first vehicle identification and first payment information that match itself, thereby generating a payment initiation message. The embodiment of the present invention can realize the payment of parking fees for multiple vehicles, and the process is simple, which can further improve the payment efficiency in the scenario where multiple vehicles leave the parking lot.

In order to improve the security of payment, the information in the message exchanged between the vehicle terminal and the acceptance terminal in the above embodiment can be encrypted information. Before the vehicle terminal and the acceptance terminal interact, a key security verification can be performed to determine the security of the transmission between the vehicle terminal and the acceptance terminal. Before receiving the parking fee message sent by the acceptance terminal, the vehicle terminal can perform a key security verification with the acceptance terminal. If the key security verification passes, the vehicle terminal receives the parking fee message sent by the acceptance terminal. In other words, the acceptance terminal can access the vehicle terminal only if the key security verification passes.

Specifically, the vehicle-mounted terminal can generate a random number and send the random number to the accepting terminal. The vehicle-mounted terminal receives the certificate authority (Certificate Authority) certificate sent by the acceptance terminal, that is, the CA certificate. The vehicle-mounted terminal uses the pre-written CA public key to recover the public key from the CA certificate. The acceptance terminal uses the private key of the CA certificate to encrypt random numbers to obtain ciphertext, and sends the ciphertext to the vehicle-mounted terminal. The vehicle-mounted terminal uses the recovered public key to decrypt the ciphertext and obtain the plaintext. The vehicle-mounted terminal compares the plain text and the random number. If the plain text and the random number are consistent, the key security verification is passed.

The second aspect of the present invention provides a vehicle-mounted payment method that can be applied to an acceptance terminal of a parking lot, that is, the vehicle-mounted payment method can be executed by the acceptance terminal. The specific content of the acceptance terminal can be found in the above-mentioned related description, which will not be repeated here. Figure 6 is a flow chart of an embodiment of the vehicle-mounted payment method provided by the second aspect of the present invention. As shown in Figure 6, the vehicle-mounted payment method may include steps S401 to S403.

In step S401, when the acceptance terminal senses the vehicle-mounted terminal of the target vehicle, it obtains the vehicle identification and payment information of the target vehicle.

The acceptance terminal senses the vehicle-mounted terminal of the target vehicle and can obtain the vehicle identification of the target vehicle from the vehicle-mounted terminal through wireless communication. It can also determine and obtain the identified vehicle identification of the target vehicle through identification of the target vehicle. This does not mean limited. When the vehicle identification is obtained, the acceptance terminal can determine the payment information corresponding to the vehicle identification, that is, the payment information of the target vehicle based on the vehicle identification.

In some examples, the vehicle identification may include but is not limited to license plate information and/or vehicle identification code. For details, please refer to the relevant descriptions in the above embodiments and will not be described again here.

When the vehicle identification includes license plate information, the acceptance terminal can obtain the vehicle image of the target vehicle and identify the license plate information from the vehicle image. According to the license plate information, payment information corresponding to the license plate information is generated as the payment information of the target vehicle.

The parking lot can be equipped with a camera or other shooting device for taking photos or videos, and the shooting device can capture a vehicle image including a license plate. The acceptance terminal can obtain the vehicle image from the shooting device, identify the vehicle image, obtain the license plate information, and then generate corresponding payment information based on the license plate information. For example, when the target vehicle enters the parking lot, the camera installed at the entrance of the parking lot can capture the image of the target vehicle, identify the image, obtain the license plate information and transmit it to the acceptance terminal; when the target vehicle is about to leave the parking lot, the camera installed at the exit of the parking lot can capture the image of the target vehicle, identify the image, obtain the license plate information and transmit it to the acceptance terminal. The acceptance terminal can determine the parking time of the target vehicle based on the license plate information, obtain the payment fee based on the parking time and the preset charging rules, and generate the payment information of the target vehicle based on the parking time, payment fee and other information.

In some examples, payment information may include but is not limited to one or more of the following: information of the charging party, payment time, payment fee, and parking duration. For details, please refer to the relevant descriptions in the above embodiments and will not be elaborated here.

In step S402, a parking charging message is generated based on the vehicle identification and payment information of the target vehicle.

The parking charging message includes the vehicle identification and payment information of the target vehicle. The format of the parking charging message and the existence form of the vehicle identification and payment information in the parking charging message are not limited here.

When the acceptance terminal senses the vehicle terminals in more than two vehicles, the parking fee information generated by the acceptance terminal may include the vehicle identification and payment information of the more than two vehicles.

In step S403, a parking charging message is sent to the vehicle-mounted terminal, so that the vehicle-mounted terminal generates a payment initiation message based on the parking charging message and payment card information pre-stored in the vehicle-mounted terminal.

The payment initiation message is obtained by the payment management server and used to interact with the payment resource server to complete the payment. The payment initiation message may include vehicle identification, payment information, and payment card information. Payment card information includes personalized payment card information.

In some examples, the vehicle-mounted terminal can directly send the payment initiation message to the payment Sent by the payment management server, that is, the vehicle-mounted terminal directly initiates payment to the payment management server without going through the acceptance terminal. The acceptance terminal does not need to do any processing. Alternatively, the acceptance terminal can, after acquiring the vehicle identification and payment information of the target vehicle, send the vehicle identification and payment information of the target vehicle to the payment management server, so that the payment management server can compare the payment initiation message received from the vehicle-mounted terminal with the payment information from the acceptance terminal. The terminal matches the vehicle identification of the target vehicle and the payment information, and determines whether to make payment based on the matching results. Specifically, if the vehicle identification and payment information in the payment initiation message received from the vehicle-mounted terminal are consistent with the vehicle identification and payment information of the target vehicle obtained from the acceptance terminal, the matching result is successful and payment is determined; If the vehicle identification and payment information in the received payment initiation message are inconsistent with the vehicle identification and payment information of the target vehicle obtained from the acceptance terminal, the matching result is a matching failure and payment is stopped.

The acceptance terminal further verifies the security of the payment by matching the payment initiation message received from the vehicle-mounted terminal with the vehicle identification and payment information of the target vehicle obtained from the acceptance terminal. If the matching result is a successful match, it means that the payment is safe and the payment can be continued; if the matching result is a matching failure, it indicates that the payment is risky and the payment can be stopped to avoid payment risks.

In other examples, the vehicle terminal can send a payment initiation message to the acceptance terminal. Correspondingly, the acceptance terminal receives the payment initiation message, and then sends the payment initiation message to the payment management server. That is, the acceptance terminal initiates the payment to the payment management server.

In some examples, a payment-first-then-release method can be implemented. The payment initiation message can be sent by the vehicle terminal before the exit gate of the parking lot is opened. That is, after the payment is completed, the payment management server can send a payment success message to the acceptance terminal. Correspondingly, the acceptance terminal receives the payment success message sent by the payment management server. The payment success message is used to indicate that the payment is successful. The acceptance terminal can respond to the payment success message and control the exit gate of the parking lot to open, allowing the target vehicle to leave.

In other examples, a release-before-payment approach may be implemented. pay The initiation message can be sent by the vehicle-mounted terminal after the exit gate of the parking lot is opened. The acceptance terminal can obtain the historical payment orders of the target vehicle based on the vehicle identification of the target vehicle. The historical payment orders of the target vehicle include the payment orders of the target vehicle in at least a previous period of time. There are no unpaid orders in the historical payment orders of the target vehicle, which means that the payment of the target vehicle has been completed and the credit is good. There are unpaid orders in the historical payment orders of the target vehicle, which means that the target vehicle has unfinished payments and has poor credit. When there are no unpaid orders in the historical payment orders of the target vehicle, the exit gate of the parking lot is controlled to open, allowing the target vehicle to leave, and payment is initiated after the exit gate is opened, that is, the target vehicle can pay after passing through. When there are unpaid orders in the historical payment orders of the target vehicle, the exit gate of the parking lot is controlled to close and the target vehicle is not allowed to leave. After the target vehicle completes the payment, the exit gate of the parking lot is controlled to open and the target vehicle is allowed to leave. .

In the embodiment of the present invention, when the acceptance terminal of the parking lot senses the vehicle terminal, the acceptance terminal can send a parking fee message to the vehicle terminal. The vehicle terminal can generate and send a payment initiation message based on the received parking fee information and the payment card information pre-stored in the vehicle terminal. The parking fee message includes the vehicle identification and payment information, and the payment card information includes the personal data of the payment card. The payment management server can interact with the payment resource server through the payment initiation message, and complete the payment using the vehicle identification, payment information, and personal data of the payment card that can be represented by the payment initiation message. The payment process does not require the user to manually participate in the operation, simplifies the payment process, and improves the payment efficiency. Moreover, the payment process does not require the user to manually participate in the operation, the user is unaware, and the user's payment experience is also improved.

In some embodiments, the acceptance terminal may broadcast parking fee information by broadcasting. Each vehicle-mounted terminal may selectively obtain information matching itself to generate a payment initiation message. FIG. 7 is a flow chart of another embodiment of the vehicle-mounted payment method provided by the second aspect of the present invention. FIG. 7 differs from FIG. 6 in that step S403 in FIG. 6 may be specifically refined into step S4031 in FIG. 7.

In step S4031, the parking charging message is broadcast to the vehicle-mounted terminal so that The vehicle-mounted terminal generates a payment initiation message based on the parking charging information and the payment card information pre-stored in the vehicle-mounted terminal.

The parking charging information includes the first vehicle identification and the first payment information. The first vehicle identification is a vehicle identification that is consistent with the target vehicle identification stored in the vehicle-mounted terminal. The target vehicle identification includes the vehicle identification of the target vehicle. The first payment information is payment information corresponding to the first vehicle identification. The payment initiation message is generated by the vehicle-mounted terminal based on the first vehicle identification, the first payment information and the payment card information pre-stored in the vehicle-mounted terminal. In the case where the acceptance terminal senses other vehicle-mounted terminals other than the vehicle-mounted terminal of the target vehicle, the parking charging message may also include the vehicle identification and payment information corresponding to the other vehicle-mounted terminals. The target vehicle can identify the vehicle identification and payment information that match itself in the parking charging message, that is, the first vehicle identification and the first payment information. The embodiment of the present invention can realize the payment of parking fees for multiple vehicles, and the process is simple, which can further improve the payment efficiency in the scenario where multiple vehicles leave the parking lot.

In order to improve the security of payment, before interaction between the vehicle-mounted terminal and the acceptance terminal, key security verification can be performed to determine the security of the transmission between the vehicle-mounted terminal and the acceptance terminal. Before the acceptance terminal obtains the vehicle identification and payment information of the target vehicle, the acceptance terminal can conduct key security verification with the vehicle-mounted terminal. When the key security verification is passed, the acceptance terminal obtains the vehicle identification and payment information of the target vehicle. For details, please refer to the relevant descriptions in the above embodiments, which will not be described again here.

For the specific content of the embodiment of the vehicle-mounted payment method of the second aspect of the present invention, please refer to the relevant description of the embodiment of the vehicle-mounted payment method of the first aspect of the present invention, and will not be described again here.

A third aspect of the present invention provides a vehicle-mounted payment method, which can be applied to a payment management server, that is, the vehicle-mounted payment method can be executed by the payment management server. For the specific content of the payment management server, please refer to the above relevant instructions and will not be repeated here. Figure 8 is a flow chart of an embodiment of the in-vehicle payment method provided in the third aspect of the present invention. As shown in Figure 8, the in-vehicle payment method may include step S501 and step S502.

In step S501, the payment initiation message is obtained.

The payment initiation message is generated by the vehicle terminal based on the parking fee information and the payment card information pre-stored in the vehicle terminal. The parking fee information includes the vehicle identification and payment information obtained by the parking lot acceptance terminal when sensing the vehicle terminal of the target vehicle. The payment card information includes the personal data of the payment card.

Specifically, vehicle identification may include but is not limited to license plate information and/or vehicle identification code.

Specifically, payment information includes one or more of the following: information of the charging party, payment time, payment fee, and parking duration.

In some examples, the payment management server may receive the payment initiation message from the vehicle-mounted terminal. That is, the vehicle-mounted terminal directly initiates payment to the payment management server.

In other examples, the payment management server may receive the payment initiation message from the acceptance terminal. The payment initiation message is sent by the vehicle terminal to the acceptance terminal. That is, the acceptance terminal initiates payment to the payment management server.

In step S502, the payment initiation message is used to interact with the payment resource server to complete the payment.

In some examples, a pay-then-release approach may be implemented. The payment management server may obtain the payment initiation message before the exit gate of the parking lot is opened.

Specifically, the payment management server may send a payment initiation message to the payment resource server. The payment resource server debits the payment card based on the information in the payment initiation message. After the payment is deducted, the payment resource server can send a payment success message to the payment management server. The payment management server can send a payment success message to the acceptance terminal, so that the acceptance terminal releases the vehicle.

In other examples, a release-before-payment approach may be implemented. The payment management server may obtain the payment initiation message after the exit gate of the parking lot is opened.

When the payment management server receives a payment initiation message from the vehicle terminal, that is, the vehicle terminal directly initiates payment to the payment management server, after the acceptance terminal obtains the vehicle identification and payment information of the target vehicle, the payment management server can receive the vehicle identification and payment information of the target vehicle from the acceptance terminal. The payment management server matches the payment initiation message received from the vehicle terminal with the vehicle identification and payment information of the target vehicle obtained from the acceptance terminal. If the matching result is a successful match, the payment initiation message is used to interact with the payment resource server to complete the payment; if the matching result is a failed match, the payment is stopped.

In the embodiment of the present invention, when the acceptance terminal of the parking lot senses the vehicle-mounted terminal, the acceptance terminal can send a parking charging message to the vehicle-mounted terminal. The vehicle-mounted terminal can generate and send a payment initiation message based on the parking charging information and the payment card information pre-stored in the vehicle-mounted terminal. The parking charging information includes vehicle identification and payment information, and the payment card information includes personalized information of the payment card. The payment management server can interact with the payment resource server through the payment initiation message, and use the vehicle identification, payment information, and personalized data of the payment card that can be represented by the payment initiation message to complete the payment. This payment process does not require users to manually participate in the operation, simplifying the payment process and improving payment efficiency. Moreover, the payment process does not require the user to manually participate in the operation, and the user is unaware, which also improves the user's payment experience.

For the specific content of the embodiment of the vehicle-mounted payment method of the third aspect of the present invention, please refer to the relevant descriptions of the embodiment of the vehicle-mounted payment method of the first aspect of the present invention and the embodiment of the vehicle-mounted payment method of the second aspect, and will not be described again here.

To facilitate understanding, the following two examples are used to specifically illustrate the in-vehicle payment process between the user terminal, the in-vehicle terminal, the acceptance terminal, the payment management server, and the payment resource server.

FIG. 9 is a flow chart of an example vehicle-mounted payment process provided by an embodiment of the present invention. As shown in Figure 9, the in-vehicle payment process may include steps S601 to S612.

In step S601, the vehicle-mounted terminal establishes a communication connection with the user terminal and downloads payment card information to the vehicle-mounted terminal.

In step S602, when the vehicle enters and exits the parking lot, the acceptance terminal senses the vehicle-mounted terminal, obtains the vehicle identification and payment information, and generates a Parking charge information.

In step S603, the vehicle terminal receives the parking fee information sent by the acceptance terminal through 900M communication technology.

In step S604, the vehicle-mounted terminal screens the parking charging message to obtain vehicle identification and payment information that match itself.

In step S605, the vehicle terminal generates a payment initiation message based on the vehicle identification and payment information that matches itself, as well as the payment card information.

In step S606, the vehicle-mounted terminal sends a payment initiation message to the acceptance terminal.

In step S607, the acceptance terminal sends a payment initiation message to the payment management server.

In step S608, the payment management server sends a payment initiation message to the payment resource server.

In step S609, the payment resource server debits the payment card according to the payment initiation message.

In step S610, the payment resource server sends a payment success message to the payment management server.

In step S611, the payment management server sends a payment success message to the acceptance terminal.

In step S612, the acceptance terminal responds to the payment success message, controls the gate to open, and releases the vehicle.

Figure 10 is a flow chart of another example of the on-board payment process provided by the embodiment of the present invention. As shown in Figure 10, the in-vehicle payment process may include steps S701 to S712.

In step S701, the vehicle-mounted terminal establishes a communication connection with the user terminal and downloads payment card information to the vehicle-mounted terminal.

In step S702, when a vehicle enters or exits a parking lot, the receiving terminal obtains the vehicle image captured by the camera, identifies the license plate information from the vehicle image, obtains the payment information based on the license plate information, and generates parking fee information based on the vehicle identification and payment information.

In step S703, the accepting terminal broadcasts the parking charging message through Bluetooth.

In step S704, the acceptance terminal sends the license plate information and payment information to the payment management server.

In step S705, the vehicle-mounted terminal screens the parking charging information to obtain license plate information and payment information that match itself.

In step S706, the vehicle-mounted terminal generates a payment initiation message based on the vehicle identification, payment information, and payment card information that match itself.

In step S707, the vehicle-mounted terminal sends a payment initiation message to the payment management server.

In step S708, the payment management server sends a payment initiation message to the payment resource server.

In step S709, the payment resource server deducts the payment card according to the payment initiation message.

In step S710, the payment resource server sends a payment success message to the payment management server.

In step S711, the payment management server sends a payment success message to the acceptance terminal.

In step S712, the acceptance terminal responds to the payment success message, controls the gate to open, and releases the vehicle.

The fourth aspect of the present invention provides a vehicle-mounted terminal. FIG11 is a structural schematic diagram of an embodiment of the vehicle-mounted terminal provided by the fourth aspect of the present invention. As shown in FIG11, the vehicle-mounted terminal 800 may include a receiving module 801, a generating module 802 and a sending module 803.

The receiving module 801 can be used to receive the parking charging message sent by the acceptance terminal when the vehicle-mounted terminal of the target vehicle is sensed by the acceptance terminal in the parking lot.

Parking charge information includes vehicle identification and payment information.

In some examples, the vehicle identification includes license plate information and/or a vehicle identification code.

In some examples, the payment information includes one or more of the following: toller information, payment time, payment fee, and parking duration.

The generation module 802 can be used to generate a payment initiation message based on the parking charging message and the payment card information pre-stored in the vehicle terminal.

Payment card information includes personalized payment card information.

The sending module 803 can be used to send a payment initiation message, so that the payment management server obtains the payment initiation message, and uses the payment initiation message to interact with the payment resource server to complete the payment.

In some examples, the sending module 803 may be used to send a payment initiation message before the exit gate of a parking lot opens.

In other examples, the sending module 803 may be used to send a payment initiation message after the exit gate of the parking lot is opened.

In the embodiment of the present invention, when the acceptance terminal of the parking lot senses the vehicle terminal, the vehicle terminal can receive the parking fee information sent by the acceptance terminal. The vehicle terminal can generate and send a payment initiation message based on the parking fee information and the payment card information pre-stored in the vehicle terminal. The parking fee information includes the vehicle identification and payment information, and the payment card information includes the personal information of the payment card. The payment management server can interact with the payment resource server through the payment initiation message, and complete the payment using the vehicle identification, payment information, and personal information of the payment card that can be represented by the payment initiation message. The payment process does not require the user to manually participate in the operation, simplifies the payment process, and improves the payment efficiency. Moreover, the payment process does not require the user to manually participate in the operation, the user is not aware of it, and also improves the user's payment experience.

In some examples, the above-mentioned generation module 802 can be used to: obtain the first vehicle identification and the first payment information from the parking charging message broadcast by the acceptance terminal. The vehicle identification is a vehicle identification consistent with the target vehicle identification stored in the vehicle terminal, the target vehicle identification includes the vehicle identification of the target vehicle, and the first payment information is payment information corresponding to the first vehicle identification; according to the first vehicle identification, the first payment information and the personalized data of the payment card pre-stored in the vehicle-mounted terminal to generate a payment initiation message.

In some examples, the above-mentioned sending module 803 can be used to send a payment initiation message to the payment management server.

In other examples, the above-mentioned sending module 803 can be used to send a payment initiation message to the acceptance terminal.

FIG. 12 is a schematic structural diagram of another embodiment of the vehicle-mounted terminal provided in the fourth aspect of the present invention. The difference between Figure 12 and Figure 11 is that the vehicle-mounted terminal 800 shown in Figure 12 may also include a storage module 804 and a verification module 805.

In some examples, the above-mentioned receiving module 801 can also be used to: establish a communication connection with the user terminal; obtain the authorization information of the payment card information from the user terminal; and obtain the authorization information of the payment card information from the payment management server or payment resources based on the authorization information of the payment card information. The server obtains payment card information.

Storage module 804 can be used to store payment card information.

In other examples, the receiving module 801 can also be used to: establish a communication connection with a user terminal; obtain payment card information from the user terminal.

The storage module 804 can be used to store payment card information.

In some examples, the verification module 805 can be used to perform key security verification with the acceptance terminal.

The receiving module 801 can be used to receive the parking fee information sent by the acceptance terminal when the key security verification is passed.

In some examples, the receiving module 801 can be used to receive parking fee information sent by the acceptance terminal through short-distance wireless communication technology. The receiving module 801 can be specifically a short-distance wireless communication module, which is not limited here.

The fifth aspect of the present invention provides an acceptance terminal. FIG. 13 is a schematic structural diagram of an embodiment of the acceptance terminal provided in the fifth aspect of the present invention. As shown in FIG. 13 , the acceptance terminal 900 may include an acquisition module 901, a generation module 902, and a sending module 903.

The acquisition module 901 can be used to acquire the vehicle identification and payment information of the target vehicle when the acceptance terminal senses the vehicle-mounted terminal of the target vehicle.

The generation module 902 can be used to generate parking charging information based on the vehicle identification and payment information of the target vehicle.

The parking fee message includes the target vehicle's vehicle identification and payment information.

In some examples, the vehicle identification includes license plate information and/or vehicle identification code.

In some examples, the payment information includes one or more of the following: billing party information, payment time, payment fee, and parking duration.

The sending module 903 can be used to send parking fee information to the vehicle terminal, so that the vehicle terminal generates a payment initiation message based on the parking fee information and the payment card information pre-stored in the vehicle terminal.

The payment initiation message is obtained by the payment management server and used to interact with the payment resource server to complete the payment. The payment card information includes the personal data of the payment card.

In some examples, the payment initiation message is sent by the vehicle terminal before the exit gate of the parking lot opens.

In other examples, the payment initiation message is sent by the vehicle-mounted terminal after the exit gate of the parking lot is opened.

In the embodiment of the present invention, when the acceptance terminal of the parking lot senses the vehicle terminal, the acceptance terminal can send a parking fee message to the vehicle terminal. The vehicle terminal can generate and send a payment initiation message based on the received parking fee information and the payment card information pre-stored in the vehicle terminal. The parking fee message includes the vehicle identification and payment information, and the payment card information includes the personal data of the payment card. The payment management server can interact with the payment resource server through the payment initiation message, and complete the payment using the vehicle identification, payment information, and personal data of the payment card that can be represented by the payment initiation message. The payment process does not require the user to manually participate in the operation, simplifies the payment process, and improves the payment efficiency. Moreover, the payment process does not require the user to manually participate in the operation, the user is unaware, and the user's payment experience is also improved.

In some examples, the acquisition module 901 is also used to receive a payment initiation message sent by the vehicle terminal.

The above-mentioned sending module 903 can also be used to send a payment initiation message to the payment management server.

In some examples, the sending module 903 can be used to broadcast parking fee information to the vehicle terminal.

The parking fee message includes a first vehicle identification and first payment information. The first vehicle identification is a vehicle identification that is consistent with the target vehicle identification stored in the vehicle terminal. The target vehicle identification includes the vehicle identification of the target vehicle. The first payment information is the payment information corresponding to the first vehicle identification. The payment initiation message is generated by the vehicle terminal according to the first vehicle identification, the first payment information, and the payment card information pre-stored in the vehicle terminal.

In some examples, the vehicle identification includes license plate information.

The acquisition module 901 can be used to acquire the vehicle image of the target vehicle, identify the license plate information from the vehicle image, and generate payment information corresponding to the license plate information as the payment information of the target vehicle according to the license plate information.

In some examples, the sending module 903 can also be used to send the vehicle identification and payment information of the target vehicle to the payment management server, so that the payment management server matches the payment initiation message received from the vehicle terminal with the vehicle identification and payment information of the target vehicle obtained from the acceptance terminal, and determines whether to make payment based on the matching result.

FIG14 is a schematic diagram of the structure of another embodiment of the acceptance terminal provided in the fifth aspect of the present invention. The difference between FIG14 and FIG13 is that the acceptance terminal 900 shown in FIG14 may also include a verification module 904 and a control module 905.

The verification module 904 can be used to perform key security verification with the vehicle terminal.

The acquisition module 901 can be used to obtain the vehicle identification and payment information of the target vehicle when the key security verification is passed.

The above acquisition module 901 can also be used to receive a payment success message sent by the payment management server.

The payment success message is used to indicate that the payment was successful.

The control module 905 can be used to respond to the payment success message and control the exit gate of the parking lot to open to allow the target vehicle to leave.

In some examples, the acquisition module 901 can also be used to acquire the historical payment orders of the target vehicle based on the vehicle identification of the target vehicle.

The control module 905 can also be used to control the exit gate of the parking lot to open and allow the target vehicle to leave when there is no unpaid order in the historical payment order of the target vehicle.

A sixth aspect of the present invention provides a payment management server. Figure 15 is a schematic structural diagram of an embodiment of the payment management server provided in the sixth aspect of the present invention. As shown in Figure 15, the payment management server 1000 may include a receiving module 1001 and a sending module 1002.

The receiving module 1001 can be used to obtain the payment initiation message.

The payment initiation message is generated by the vehicle-mounted terminal based on the parking charging information and the payment card information pre-stored in the vehicle-mounted terminal. The parking charging information includes the vehicle identification and payment information obtained by the parking lot acceptance terminal when it senses the vehicle-mounted terminal of the target vehicle. Payment card information includes personalized payment card information.

In some examples, the vehicle identification includes license plate information and/or vehicle identification code.

In some examples, the payment information includes one or more of the following: toller information, payment time, payment fee, and parking duration.

In some examples, receiving module 1001 may be used to obtain a payment initiation message before an exit gate of a parking lot is opened.

In other examples, the receiving module 1001 can be used to obtain the payment initiation message after the exit gate of the parking lot is opened.

The sending module 1002 can be used to interact with the payment resource server using the payment initiation message to complete the payment.

In the embodiment of the present invention, when the acceptance terminal of the parking lot senses the vehicle terminal, the acceptance terminal can send a parking fee message to the vehicle terminal. The vehicle terminal can generate and send a payment initiation message based on the parking fee information and the payment card information pre-stored in the vehicle terminal. The parking fee message includes the vehicle identification and payment information, and the payment card information includes the personal data of the payment card. The payment management server can interact with the payment resource server through the payment initiation message, and complete the payment using the vehicle identification, payment information, and personal data of the payment card that can be represented by the payment initiation message. The payment process does not require the user to manually participate in the operation, simplifies the payment process, and improves the payment efficiency. Moreover, the payment process does not require the user to manually participate in the operation, the user is unaware, and the user's payment experience is also improved.

In some examples, the above-mentioned receiving module 1001 can be used to receive a payment initiation message from a vehicle-mounted terminal.

In other examples, the above-mentioned receiving module 1001 may be used to receive a payment initiation message from the acceptance terminal. The payment initiation message is sent from the vehicle-mounted terminal to the acceptance terminal.

FIG16 is a schematic diagram of the structure of another embodiment of the payment management server provided in the sixth aspect of the present invention. The difference between FIG16 and FIG15 is that the payment management server 1000 shown in FIG16 may also include a matching module 1003.

The receiving module 1001 can also be used to receive the vehicle identification and payment information of the target vehicle from the acceptance terminal after the acceptance terminal obtains the vehicle identification and payment information of the target vehicle.

The matching module 1003 may be used to match the payment initiation message received from the vehicle-mounted terminal with the vehicle identification and payment information of the target vehicle obtained from the acceptance terminal.

The above-mentioned sending module 1002 can be used to interact with the payment resource server using the payment initiation message to complete the payment when the matching result is successful.

A seventh aspect of the present invention also provides a vehicle-mounted terminal. FIG. 17 is a schematic structural diagram of an embodiment of the vehicle-mounted terminal provided in the seventh aspect of the present invention. As shown in FIG. 17 , the vehicle-mounted terminal 1100 includes a memory 1101 , a processor 1102 and a computer program stored in the memory 1101 and executable on the processor 1102 .

In one example, the above-mentioned processor 1102 may include a Central Processing Unit (CPU), or an Application Specific Integrated Circuit (ASIC), or may be configured to implement one or more embodiments of the present invention. integrated circuit.

Memory 1101 may include read-only memory (ROM), random access memory (Random Access Memory, RAM), magnetic storage media devices, optical storage media devices, flash memory devices, electrical, Optical or other physical/tangible memory storage device. Thus, generally, memory includes one or more tangible (non-transitory) computer-readable storage media (e.g., memory devices) encoded with software including computer-executable instructions, and when the software is executed (e.g., by one or more processors), which are operable to perform the operations described with reference to the in-vehicle payment method according to the first aspect of the invention.

The processor 1102 runs the computer program corresponding to the executable program code by reading the executable program code stored in the memory 1101, so as to implement the vehicle-mounted payment method of the first aspect in the above-mentioned embodiment.

In one example, the vehicle-mounted terminal 1100 may further include a communication interface 1103 and a bus 1104. Among them, as shown in Figure 17, the memory 1101, the processor 1102, and the communication interface 1103 are connected through the bus 1104 and complete communication with each other.

The communication interface 1103 is mainly used to implement communication between modules, devices, units and/or equipment in the embodiment of the present invention. Input devices and/or output devices may also be accessed through the communication interface 1103 .

The bus 1104 includes hardware, software, or both, and couples the components of the vehicle-mounted terminal 1100 to each other. By way of example, and not limitation, bus 1104 may include high Accelerated Graphics Port (AGP) or other graphics bus, Enhanced Industry Standard Architecture (EISA) bus, Front Side Bus (FSB), Hyper Transport (HT) ) interconnect, Industrial Standard Architecture (ISA) bus, unlimited bandwidth interconnect, low pin count (LPC) bus, memory bus, Micro Channel Architecture, MCA) bus, Peripheral Component Interconnect (PCI) bus, PCI-Express (PCI-X) bus, Serial Advanced Technology Attachment (SATA) bus, Video Electronics Standards Association part (Video Electronics Standards Association Local Bus, VLB) bus or other suitable bus or a combination of two or more of these. Where appropriate, busbar 1104 may include one or more busbars. Although embodiments of the present invention describe and illustrate specific busbars, the present invention contemplates any suitable busbar or interconnection.

An eighth aspect of the present invention also provides an acceptance terminal. Figure 18 is a schematic structural diagram of an embodiment of the acceptance terminal provided in the eighth aspect of the present invention. As shown in Figure 18, the acceptance terminal 1200 includes a memory 1201, a processor 1202, and a computer program stored in the memory 1201 and executable on the processor 1202.

In one example, the above-mentioned processor 1202 may include a central processing unit (CPU), or an Application Specific Integrated Circuit (ASIC), or may be configured to implement one or more integrated circuits according to embodiments of the present invention. .

The memory 1201 may include a read-only memory (ROM), a random access memory (RAM), a magnetic disk storage medium device, an optical storage medium device, a flash memory device, an electrical, optical or other physical/tangible memory storage device. Therefore, typically, the memory includes one or more tangible (non-transitory) computer-readable storage media (e.g., a memory device) encoded with software including computer-executable instructions, and when the software is executed (e.g., by one or more processors), it is operable to perform the operations described with reference to the in-vehicle payment method according to the second aspect of the present invention.

The processor 1202 reads the executable program code stored in the memory 1201 to run a computer program corresponding to the executable program code, so as to implement the second aspect of the in-vehicle payment method in the above embodiment.

In one example, the receiving terminal 1200 may also include a communication interface 1203 and a bus 1204. As shown in FIG18 , the memory 1201, the processor 1202, and the communication interface 1203 are connected via the bus 1204 and communicate with each other.

The communication interface 1203 is mainly used to realize the communication between the modules, devices, units and/or equipment in the embodiment of the present invention. The input device and/or output device can also be connected through the communication interface 1203.

Bus 1204 includes hardware, software, or both, and couples the components of acceptance terminal 1200 to each other. By way of example, but not limitation, the bus 1204 may include an Accelerated Graphics Port (AGP) or other graphics bus, an Enhanced Industry Standard Architecture (EISA) bus, or a Front Side bus. Bus (FSB), Hyper Transport (HT) interconnect, Industrial Standard Architecture (ISA) bus, unlimited bandwidth interconnect, low pin count (LPC) bus, memory Body bus, Micro Channel Architecture (MCA) bus, Peripheral Component Interconnect (PCI) bus, PCI-Express (PCI-X) bus, Serial Advanced Technology (Serial Advanced Technology) Attachment (SATA) bus, Video Electronics Standards Association Local Bus (VLB) bus or other suitable bus or a combination of two or more of these. Where appropriate, busbar 1204 may include one or more busbars. Although embodiments of the present invention describe and illustrate specific busbars, the present invention contemplates any suitable busbar or interconnection.

A ninth aspect of the present invention also provides a payment management server. Figure 19 is a schematic structural diagram of an embodiment of the payment management server provided in the ninth aspect of the present invention. As shown in Figure 19, the payment management server 1300 includes a memory 1301, a processor 1302, and a computer program stored on the memory 1301 and executable on the processor 1302.

In one example, the above-mentioned processor 1302 may include a central processing unit (CPU), or an Application Specific Integrated Circuit (ASIC), or may be configured to implement one or more integrated circuits according to embodiments of the present invention. .

The memory 1301 may include a read-only memory (ROM), a random access memory (RAM), a magnetic disk storage medium device, an optical storage medium device, a flash memory device, an electrical, optical or other physical/tangible memory storage device. Therefore, generally, the memory includes one or more tangible (non-transitory) computer-readable storage media (e.g., a memory device) encoded with software including computer-executable instructions, and when the software is executed (e.g., by one or more processors), it is operable to perform the operations described with reference to the vehicle-mounted payment method according to the third aspect of the present invention.

The processor 1302 runs the computer program corresponding to the executable program code by reading the executable program code stored in the memory 1301, so as to implement the vehicle-mounted payment method of the third aspect in the above-mentioned embodiment.

In one example, the payment management server 1300 may also include a communication interface 1303 and a bus 1304. As shown in FIG19 , the memory 1301, the processor 1302, and the communication interface 1303 are connected via the bus 1304 and communicate with each other.

The communication interface 1303 is mainly used to realize the communication between the modules, devices, units and/or equipment in the embodiment of the present invention. The input device and/or output device can also be connected through the communication interface 1303.

The bus 1304 includes hardware, software, or both, coupling the components of the payment management server 1300 to each other. By way of example and not limitation, bus 1304 may include an Accelerated Graphics Port (AGP) or other graphics bus, an Enhanced Industry Standard Architecture (EISA) bus, a Front Side Bus (FSB), a Hyper Transport (HT) interconnect, an Industrial Standard Architecture (ISA) bus, an unlimited bandwidth interconnect, a Low Pin Count (LPC) bus, a memory bus, a Micro Channel Architecture (MCA) bus, a Peripheral Component Interconnect (PCI) bus, a PCI-Express (PCI-X) bus, a Serial Advanced Technology Attachment (Serial Advanced Technology Attachment), or a Serial Advanced Technology Attachment (Serial Advanced Technology Attachment). Attachment, SATA) bus, Video Electronics Standards Association Local Bus (VLB) bus or other suitable bus or a combination of two or more of the above. Where appropriate, bus 1304 may include one or more buses. Although the embodiments of the present invention describe and illustrate specific buses, the present invention contemplates any suitable bus or interconnect.

A tenth aspect of the present invention provides a vehicle-mounted payment system. The vehicle-mounted payment system may include the vehicle-mounted terminal, the acceptance terminal and the payment management server in the above-mentioned embodiments. For details, please refer to the relevant descriptions in the above-mentioned embodiments and will not be described again here.

In some embodiments, the vehicle-mounted payment system may also include a payment resource server. For details, please refer to the relevant descriptions in the above embodiments and will not be described again here.

The eleventh aspect of the present invention also provides a computer-readable storage medium, on which a computer program instruction is stored. When the computer program instruction is executed by a processor, the vehicle-mounted payment method of the first aspect, the vehicle-mounted payment method of the second aspect, or the vehicle-mounted payment method of the third aspect in the above-mentioned embodiment can be implemented, and the same technical effect can be achieved. To avoid repetition, it is not repeated here. Among them, the above-mentioned computer-readable storage medium may include a non-transient computer-readable storage medium, such as a read-only memory (ROM), a random access memory (RAM), a disk or an optical disk, etc., which is not limited here.

It should be noted that each embodiment in this specification is described in a progressive manner, and the same or similar parts between the various embodiments can be referred to each other. Each embodiment focuses on its differences from other embodiments. place. Method embodiments may be cross-referenced. For vehicle-mounted terminal embodiments, acceptance terminal embodiments, and payment management servers Regarding the embodiments, system embodiments, and computer-readable storage medium embodiments, for relevant information, please refer to the description of the method embodiments. This invention is not limited to the specific steps and structures described above and illustrated in the drawings. Those skilled in the art can make various changes, modifications and additions, or change the order between steps after appreciating the spirit of the present invention. Also, for the sake of brevity, detailed descriptions of known method techniques are omitted here.

Aspects of the present invention are described above with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems) and computer program products according to embodiments of the invention. It will be understood that each block of the flowchart illustrations and/or block diagrams, and combinations of blocks in the flowchart illustrations and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general-purpose computer, a special-purpose computer, or other programmable data processing device to produce a machine such that the instructions executed by the processor of the computer or other programmable data processing device cause Ability to implement the functions/actions specified in one or more blocks of flowcharts and/or block diagrams. Such a processor may be, but is not limited to, a general-purpose processor, a special-purpose processor, a special application processor, or a field-programmable logic circuit. It will also be understood that each block in the block diagram and/or flowchart illustration, and combinations of blocks in the block diagram and/or flowchart illustration, can also be implemented by special purpose hardware that performs the specified functions or actions, or can be implemented by Achieved by a combination of specialized hardware and computer instructions.

Those skilled in the art should understand that the above embodiments are exemplary rather than restrictive. Different technical features appearing in different embodiments can be combined to achieve beneficial effects. Based on the study of the drawings, the specification and the claims, those skilled in the art should be able to understand and implement other variations of the disclosed embodiments. In the claims, the term "including" does not exclude other devices or steps; the quantifier "one" does not exclude multiple; the terms "first" and "second" are used to identify names rather than to indicate any specific order. Any diagrammatic mark in the claims should not be understood as a limitation on the scope of protection. The functions of multiple parts appearing in the claims can be implemented by a single hardware or software module. The appearance of certain technical features in different subordinate claims does not mean that these technical features cannot be combined to achieve beneficial effects.

S301, S302, S303: Steps

Claims (29)

A vehicle-mounted payment method, characterized in that it is applied to a vehicle-mounted terminal. The method includes: when the vehicle-mounted terminal of the target vehicle is sensed by an acceptance terminal in a parking lot, receiving a parking charging message sent by the acceptance terminal, so The parking charging message includes vehicle identification and payment information; a payment initiation message is generated according to the parking charging message and payment card information pre-stored in the vehicle-mounted terminal, and the payment card information includes personalized data of the payment card; and The payment management server sends the payment initiation message, so that the payment management server obtains the payment initiation message, and uses the payment initiation message to interact with the payment resource server to complete the payment; wherein, according to the parking The charging message and the payment card information pre-stored in the vehicle-mounted terminal generate a payment initiation message, including: filtering out the first vehicle identifier and the first vehicle identifier from the vehicle identifier and payment information of the parking charging message broadcast by the acceptance terminal. Payment information, the first vehicle identification is a vehicle identification consistent with the target vehicle identification stored in the vehicle-mounted terminal, the target vehicle identification includes the vehicle identification of the target vehicle, and the first payment information is the same as the first vehicle identification. Identify corresponding payment information; generate a payment initiation message based on the first vehicle identification, the first payment information and the personalized information of the payment card pre-stored in the vehicle-mounted terminal. The method according to claim 1, wherein before receiving the parking charging message sent by the acceptance terminal of the parking lot, it further includes: establishing a communication connection with a user terminal; and obtaining the payment card from the user terminal. Authorization information of the information; according to the authorization information of the payment card information, obtain the payment card information from the payment management server or the payment resource server, and store the payment card information; Or, establish a communication connection with the user terminal; obtain the payment card information from the user terminal, and store the payment card information. The method of claim 1, wherein before receiving the parking fee message sent by the acceptance terminal of the parking lot, it also includes: performing key security verification with the acceptance terminal; receiving the parking fee message sent by the acceptance terminal of the parking lot includes: receiving the parking fee message sent by the acceptance terminal when the key security verification passes. The method according to claim 1, wherein the receiving the parking charging message sent by the acceptance terminal of the parking lot includes: receiving the parking charging message sent by the acceptance terminal through short-range wireless communication technology. The method of claim 1, wherein sending the payment initiation message includes: sending the payment initiation message before the exit gate of the parking lot opens; or, after the exit gate of the parking lot opens Then send the payment initiation message. A method as described in any one of claims 1 to 5, wherein the vehicle identification includes license plate information and/or a vehicle identification code. A method as described in any one of claims 1 to 5, wherein the payment information includes payment fees, and the payment information also includes one or more of the following: charging party information, payment time, and parking duration. A vehicle-mounted payment method, characterized in that it is applied to an acceptance terminal in a parking lot, and the method includes: when the acceptance terminal senses the vehicle-mounted terminal of a target vehicle, obtaining the vehicle identification and payment information of the target vehicle; Generate a parking charging message according to the vehicle identification and payment information of the target vehicle. The parking charging message includes the vehicle identification and payment information of the target vehicle; send the parking charging message to the vehicle-mounted terminal so that the vehicle-mounted terminal The terminal generates a payment initiation message based on the parking charging message and the payment card information pre-stored in the vehicle-mounted terminal. The payment initiation message is sent by the vehicle-mounted terminal to the payment management server so that the payment management server can obtain it. Used to interact with the payment resource server to complete the payment. The payment card information includes personalized information of the payment card; wherein, sending the parking charging message to the vehicle-mounted terminal includes: broadcasting the parking fee message to the vehicle-mounted terminal. The parking charging message includes a first vehicle identification and first payment information. The first vehicle identification is a vehicle identification consistent with a target vehicle identification stored in the vehicle-mounted terminal. The target vehicle identification includes a target vehicle identification. The vehicle identification of the vehicle, the first payment information is the payment information corresponding to the first vehicle identification, and the payment initiation message is sent by the vehicle terminal according to the first vehicle identification, the first payment information and the predetermined payment information. There is payment card information generation in the vehicle-mounted terminal. As described in claim 8, the vehicle identification includes license plate information, and the obtaining of the vehicle identification and payment information of the target vehicle includes: obtaining a vehicle image of the target vehicle, identifying the license plate information from the vehicle image; and generating the payment information corresponding to the license plate information as the payment information of the target vehicle based on the license plate information. The method of claim 8, wherein after obtaining the vehicle identification and payment information of the target vehicle, it further includes: sending the vehicle identification and payment information of the target vehicle to the payment management server, to causing the payment management server to compare the payment initiation message received from the vehicle-mounted terminal and the vehicle identification and payment information of the target vehicle obtained from the acceptance terminal Make a match and determine whether to make a payment based on the matching result. The method according to claim 8, wherein before obtaining the vehicle identification and payment information of the target vehicle, it further includes: performing a key security verification with the vehicle-mounted terminal; and obtaining the vehicle identification number of the target vehicle. Identification and payment information, including: obtaining the vehicle identification and payment information of the target vehicle if the security verification of the golden key is passed. The method as claimed in claim 8, further comprising: receiving a payment success message sent by the payment management server, the payment success message being used to indicate a successful payment; in response to the payment success message, controlling the exit gate of the parking lot to open, allowing the target vehicle to leave. The method according to claim 8, further comprising: obtaining the historical payment order of the target vehicle according to the vehicle identification of the target vehicle; if there is no unpaid order in the historical payment order of the target vehicle , controlling the exit gate of the parking lot to open, allowing the target vehicle to leave. The method of claim 8, wherein the payment initiation message is sent by the vehicle terminal before the exit gate of the parking lot is opened; or, the payment initiation message is sent by the vehicle terminal after the exit gate of the parking lot is opened. The method according to any one of claims 8 to 14, wherein the vehicle identification includes license plate information and/or vehicle identification code. The method as described in any one of claims 8 to 14, wherein the payment information includes payment fees, and the payment information also includes one or more of the following: Toll collector information, payment time, and parking duration. A vehicle-mounted payment method, characterized in that it is applied to a payment management server. The method includes: receiving the payment initiation message from the vehicle-mounted terminal, and the payment initiation message is generated by the vehicle-mounted terminal according to the parking information broadcast from the acceptance terminal. The vehicle identification and payment information in the charging message are screened to obtain the first vehicle identification and the first payment information and the payment card information pre-stored in the vehicle terminal is generated. The parking charging message includes the parking fee acceptance terminal sensing the target vehicle. The vehicle identification and payment information obtained in the case of the vehicle-mounted terminal, the payment card information includes personalized information of the payment card, the first vehicle identification is a vehicle identification consistent with the target vehicle identification stored in the vehicle-mounted terminal, The target vehicle identification includes the vehicle identification of the target vehicle, and the first payment information is payment information corresponding to the first vehicle identification; the payment initiation message is used to interact with the payment resource server to complete the payment. The method according to claim 17, wherein before using the payment initiation message to interact with the payment resource server and completing the payment, it further includes: obtaining the vehicle identification and payment information of the target vehicle at the acceptance terminal. Afterwards, receiving the vehicle identification and payment information of the target vehicle from the acceptance terminal; comparing the payment initiation message received from the vehicle-mounted terminal with the vehicle identification and payment information of the target vehicle obtained from the acceptance terminal. Matching; using the payment initiation message to interact with the payment resource server to complete the payment includes: when the matching result is a successful match, using the payment initiation message to interact with the payment resource server to complete the payment. The method according to claim 17, wherein the obtaining the payment initiation message includes: obtaining the payment initiation message before the exit gate of the parking lot is opened; or, The payment initiation message is obtained after the exit gate of the parking lot is opened. The method according to any one of claims 17 to 19, wherein the vehicle identification includes license plate information and/or vehicle identification code. A method as described in any one of claims 17 to 19, wherein the payment information includes payment fees, and the payment information also includes one or more of the following: charging party information, payment time, and parking duration. A vehicle-mounted terminal, characterized in that it includes: a receiving module, configured to receive a parking charging message sent by the acceptance terminal in a parking lot when the vehicle-mounted terminal of the target vehicle is sensed by the parking lot acceptance terminal. The message includes vehicle identification and payment information; a generation module is used to generate a payment initiation message based on the parking charging message and payment card information pre-stored in the vehicle terminal, and the payment card information includes personalized data of the payment card. ; Sending module, used to send the payment initiation message to the payment management server, so that the payment management server obtains the payment initiation message, and uses the payment initiation message to interact with the payment resource server to complete the payment ; The generating module is used to: filter out the vehicle identification and payment information of the parking charging message broadcast by the acceptance terminal to obtain the first vehicle identification and the first payment information, the first vehicle identification being the same as the said The vehicle terminal stores a vehicle identification that is consistent with the target vehicle identification, and the target vehicle identification includes the vehicle identification of the target vehicle, and the first payment information is payment information corresponding to the first vehicle identification; according to the first vehicle identification , the first payment information and the personalized data of the payment card pre-stored in the vehicle-mounted terminal to generate a payment initiation message. A receiving terminal is characterized in that it includes: an acquisition module, which is used to acquire the vehicle identification and payment information of the target vehicle when the receiving terminal senses the vehicle terminal of the target vehicle; a generation module, which is used to generate a parking fee message according to the vehicle identification and payment information of the target vehicle, wherein the parking fee message includes the vehicle identification and payment information of the target vehicle; a sending module, which is used to send the parking fee message to the vehicle terminal, so that the vehicle terminal generates a payment initiation message according to the parking fee message and the payment card information pre-stored in the vehicle terminal, and the payment initiation message is sent by the vehicle terminal to the payment management server so that the payment card is received by the payment management server. The management server obtains the payment card information for interacting with the payment resource server to complete the payment, and the payment card information includes the personal data of the payment card; the sending module is used to: broadcast the parking fee information to the vehicle terminal, and the parking fee information includes the first vehicle identification and the first payment information, the first vehicle identification is the vehicle identification consistent with the target vehicle identification stored in the vehicle terminal, and the target vehicle identification includes the vehicle identification of the target vehicle, and the first payment information is the payment information corresponding to the first vehicle identification, and the payment initiation message is generated by the vehicle terminal according to the first vehicle identification, the first payment information and the payment card information pre-stored in the vehicle terminal. A payment management server, characterized by comprising: a receiving module for receiving the payment initiation message from the vehicle-mounted terminal, the payment initiation message being generated by the vehicle-mounted terminal according to the parking charging message broadcast from the acceptance terminal. The vehicle identification and payment information are screened to obtain the first vehicle identification and the first payment information, as well as the payment card information pre-stored in the vehicle-mounted terminal. The parking charging message includes the parking fee acceptance terminal sensing the vehicle-mounted information of the target vehicle. The vehicle identification and payment information obtained in the case of the terminal, the payment card information includes the personalized information of the payment card, the first vehicle identification is a vehicle identification consistent with the target vehicle identification stored in the vehicle terminal, and the target The vehicle identification includes the vehicle identification of the target vehicle, and the first payment information is the payment information corresponding to the first vehicle identification; the sending module is used to interact with the payment resource server using the payment initiation message to complete Pay. A vehicle-mounted terminal, characterized in that it includes: a processor and a memory storing computer program instructions; when the processor executes the computer program instructions, the vehicle-mounted payment method as described in any one of claims 1 to 7 is implemented. A payment acceptance terminal, characterized in that it includes: a processor and a memory storing computer program instructions; when the processor executes the computer program instructions, the vehicle-mounted payment method as described in any one of claims 8 to 16 is implemented. A payment management server, characterized in that it includes: a processor and a memory storing computer program instructions; when the processor executes the computer program instructions, the vehicle-mounted method as described in any one of claims 17 to 21 is realized. payment method. A vehicle-mounted payment system, characterized by comprising a vehicle-mounted terminal as described in claim 25, an acceptance terminal as described in claim 26, and a payment management server as described in claim 27. A computer-readable storage medium, characterized in that a computer program instruction is stored on the computer-readable storage medium, and when the computer program instruction is executed by a processor, the vehicle-mounted payment method as described in any one of claims 1 to 21 is implemented.