TWM647305U - Payment system - Google Patents

Abstract

A payment system is disclosed. The payment system includes a field processing device and a bank-side processing device. The field processing device is located at the entrance and exit of the field. The field processing device is configured to obtain identification information of a vehicle when the vehicle intends to enter the field, and to generate deduction information when the vehicle intends to leave the field. The bank-side processing device is connected to the field processing device. The bank-side processing device is configured to receive and confirm the identification information of the vehicle, and to activate an automatic payment service according to a two-way confirmation message. The bank-side processing device is further configured to execute the deduction operation when receiving the deduction information sent from the field processing device, and to send a completion message to the field processing device after the deduction operation is completed.

Description

payment system

This case involves a payment system. In detail, this case involves a payment system with automatic deductions.

The current parking lot management system can open or close the gate of the parking lot based on identification and comparison of the electronic tags (e-tags) or license plate numbers of the vehicles entering and exiting the parking lot, so that the vehicle can enter and exit the parking lot, and the vehicle can enter and exit the parking lot based on the vehicle's entry and exit. Time to calculate parking fees.

However, even if parking fees can be calculated automatically, users still have to go to the machine to pay when they want to pay, which is quite inconvenient.

In addition to parking lots, many restaurants and gas stations on the market have also installed license plate recognition cameras and electronic tag sensing circuits. It will be more convenient if the above-mentioned existing devices can be used to further optimize the user payment process so that users do not need to pay fees at the machine themselves.

One aspect of this disclosure is to provide a payment system. This payment system includes field processing devices and bank-side processing devices. The field processing device is located at the entrance and exit of the field, and is used to obtain at least one identification information of the vehicle when the vehicle wants to enter the field, and to generate deduction information when the vehicle wants to leave the field. The bank-side processing device is communicatively connected to the field processing device to receive and confirm at least one identification information of the vehicle, and activate the automatic payment service based on the two-way confirmation message. The bank-side processing device is further configured to perform a deduction operation when receiving the deduction information transmitted from the field processing device, and send a completion message to the field processing device after the deduction operation is completed.

The following will clearly illustrate the spirit of this application with drawings and detailed descriptions. Anyone with ordinary knowledge in the technical field, after understanding the embodiments of this application, can make changes and modifications based on the techniques taught in this application without departing from the spirit of this application. Spirit and scope.

The terms used herein are only used to describe specific embodiments and are not intended to be limiting. Singular forms such as "a", "this", "this", "this" and "the", as used herein, also include the plural forms.

The words "includes", "includes", "has", "contains", etc. used in this article are all open terms, which mean including but not limited to.

Regarding the terms used in this article, unless otherwise noted, they generally have the ordinary meanings of each term used in this field, the content of this case, and the special content. Certain terms used to describe the present invention are discussed below or elsewhere in this specification to provide those skilled in the art with additional guidance in describing the present invention.

Figure 1 is a schematic diagram of a payment system 100 according to some embodiments of this case. In some embodiments, please refer to FIG. 1 , the payment system 100 includes a field processing device 110 and a bank-side processing device 150 . The field processing device 110 and the bank processing device 150 are communicatively connected to each other.

In some embodiments, the field processing device 110 includes a sensing circuit 114 and a field processing circuit 116 . The sensing circuit 114 and the field processing circuit 116 are coupled.

In some embodiments, the sensing circuit 114 includes a camera circuit 111 and an infrared sensing circuit 113. The camera circuit 111 and the infrared sensing circuit 113 are coupled.

In some embodiments, the bank-side processing device 150 includes a bank-side processing circuit 152 and a bank-side memory 154 . The bank-side processing circuit 152 and the bank-side memory 154 are coupled.

Please also refer to Figure 2. Figure 2 is a schematic diagram of the operation of the payment system 100 shown in Figure 1 according to some embodiments of the present invention. As shown in Figure 2, in one embodiment, a field processing device 110 as shown in Figure 1 is provided on one side (or an entrance) of the field R. The field processing device 110 is communicatively connected to the bank processing device 150 . When the vehicle C wants to enter the field R, the field processing device 110 obtains at least one identification information of the vehicle C.

In some embodiments, when vehicle C is about to enter the field R, the camera circuit 111 captures the license plate image of vehicle C, and the infrared sensing circuit 113 senses the electronic tag (e-tag) of vehicle C.

In some embodiments, the field processing circuit 116 obtains at least one identification information based on the license plate image captured by the camera circuit 111 and the electronic tag sensed by the infrared sensing circuit 113 . In one embodiment, the field processing circuit 116 generates an identified license plate number based on the license plate image captured by the camera circuit 111, and generates an identified electronic tag number based on the electronic tag sensed by the infrared sensing circuit 113. At least one piece of identification information includes at least one of identifying a license plate number and identifying an electronic tag number.

Then, the field processing circuit 116 transmits at least one identification information to the bank-side processing device 150 . The bank processing device 150 receives and confirms at least one identification information of the vehicle C.

In some embodiments, the bank-side memory 154 stores at least one vehicle owner information. At least one piece of vehicle owner information includes the retained vehicle owner's mobile phone number, retained vehicle license plate number, retained electronic tag number, vehicle owner's credit card number, and vehicle owner's account number. In some embodiments, at least one car owner information is processed by the car owner (or user) at the bank and stored in the bank memory 154 .

In one embodiment, the bank-side processing circuit 152 confirms at least one identification information of the vehicle C based on at least one vehicle owner information stored in the bank-side memory 154 . For example, the bank-side processing circuit 152 determines whether the recognized license plate number is consistent with the retained license plate number, and determines whether the recognized electronic tag number is consistent with the retained electronic tag number.

In one embodiment, when the bank-side processing circuit 152 determines that the recognized license plate number is consistent with the retained license plate number, and the recognized electronic tag number is consistent with the retained electronic tag number, the bank-side processing circuit 152 determines that the retained vehicle owner's mobile phone number in at least one vehicle owner information is the same. The number sends a two-way confirmation message to the car owner’s mobile phone 900.

In one embodiment, the bank-side processing circuit 152 is further used to determine whether the car owner is a customer of the bank's automatic payment service based on the identification information. If the car owner is a customer of the bank's automatic payment service, the bank-side processing circuit 152 sends a two-way confirmation message to the car owner's mobile phone 900 based on the retained car owner's mobile phone number in at least one car owner information.

In one embodiment, after the car owner (or user) receives the two-way confirmation message, the car owner (or user) sends back a confirmation message according to the instructions in the two-way confirmation message to enable the automatic payment service.

In one embodiment, when the bank-side processing circuit 152 receives the return confirmation message returned from the car owner's mobile phone 900 based on the two-way confirmation message, the bank-side processing circuit 152 activates the automatic payment service.

In one embodiment, when the vehicle C wants to leave the field R through the entrance and exit, the vehicle C approaches the field processing device 110 . When the field processing device 110 senses that the vehicle C is about to leave the field R through the entrance and exit, the field processing circuit 116 generates debit information and transmits the debit information to the bank processing device 150 . In one embodiment, the deduction information includes a deduction amount.

When site R is a parking lot, the deduction amount can be the parking lot fee. When the venue R is a hotel, the deduction amount can be the hotel's accommodation fee. When site R is a gas station, the deducted amount can be the cost of gas. More fields R can be included in the implementation of this case, and the implementation of this case is not limited to the above.

In one embodiment, the bank-side memory 154 stores calculation formulas. The bank-side processing circuit 152 calculates the deduction amount based on the deduction information and the calculation formula. For example, when the site R is a gas station and the deduction information includes the entry time and exit time of vehicle C, the bank-side processing circuit 152 calculates the refueling fee based on the entry time and exit time in the deduction information and the calculation formula. . In this way, the bank-side processing circuit 152 can confirm whether the debit amount sent by the field processing device 110 is correct.

In one embodiment, the bank-side processing circuit 152 performs the debit operation based on the debit information. In one embodiment, the bank-side processing circuit 152 performs a deduction operation based on one of the car owner's credit card number and the car owner's account number. In one embodiment, the bank-side processing circuit 152 deducts the debit amount from the car owner's account containing the car owner's account number based on the debit amount and the car owner's account number. For example, if the car owner account number is 0123456 and the deduction amount is 100 yuan. The bank processing circuit 152 deducts 100 yuan from the car owner's account based on the deduction amount and the car owner's account number.

In one embodiment, when the deduction operation is successfully completed, the bank-side processing circuit 152 generates and sends a completion message to the field processing device 110, so that the field processing device 110 opens the gate G according to the completion message and allows the vehicle C to leave the field. Domain R. On the other hand, when the debit operation fails, the bank-side processing circuit 152 generates and sends a debit failure message to the car owner's mobile phone 900 to inform the car owner of the debit failure.

See picture 3. Figure 3 is a flow chart of a payment method 300 according to some embodiments of this case. Figure 3 is a flow chart applicable to the payment system 100 in Figure 1 . However, the embodiments of the present invention are not limited to this.

See picture 3. Figure 3 is a flow chart of a payment method 300 according to some embodiments of the present invention. However, the embodiments of the present invention are not limited to this. It should be noted that the payment method 300 can be applied to a system having the same or similar structure as the payment system 100 in FIG. 1 . In order to simplify the description, Figure 1 will be used as an example in the following description. However, the application of the present invention is not limited to Figure 1.

It should be noted that in some embodiments, the payment method 300 can also be implemented as a computer program and stored in a non-transitory computer-readable recording medium, so that a computer, an electronic device, or the aforementioned as shown in Figure 1 The payment system 100 in the payment system reads the recording medium and executes this operation method. The non-transitory computer-readable recording medium can be a read-only memory, a flash memory, a floppy disk, a hard disk, an optical disk, a pen drive, a magnetic tape, a database accessible from the network, or a person familiar with the art can easily imagine and non-transitory computer-readable recording media with the same functionality.

In addition, it should be understood that the operations of the operation methods mentioned in this embodiment, unless the order is specifically stated, can be adjusted according to actual needs, and can even be executed simultaneously or partially simultaneously.

Furthermore, in different embodiments, these operations can also be added, replaced, and/or omitted adaptively.

See picture 3. The payment method 300 includes steps S310 to S380.

In step S310, the car owner saves the car owner information at the bank. In some embodiments, the car owner information includes the car owner's mobile phone number, license plate number, electronic tag number, credit card number, and account number. In some embodiments, the vehicle owner information is stored in the bank-side memory 154 in Figure 1 .

In step S320, when the vehicle C in Figure 2 is about to enter the field R, at least one of the license plate image and the electronic tag is obtained. In some embodiments, in step S320, the camera circuit 111 as shown in Figure 1 captures the license plate image of vehicle C, and the infrared sensing circuit 113 as shown in Figure 1 senses the electronic components of vehicle C. label.

In step S330, at least one identification information is generated and confirmed. In some embodiments, the field processing circuit 116 as shown in Figure 1 recognizes the recognized license plate number in at least one recognition information based on the license plate image, and recognizes the recognized electronic tag number in at least one recognition information based on the electronic tag. . Then, the field processing circuit 116 transmits at least one identification information to the bank-side processing device 150 as shown in FIG. 1 . The bank processing device 150 receives and confirms at least one identification information of the vehicle C.

In one embodiment, the bank-side processing circuit 152 confirms at least one identification information of the vehicle C based on the vehicle owner information stored in the bank-side memory 154 . For example, the bank-side processing circuit 152 determines whether the recognized license plate number is consistent with the retained license plate number, and determines whether the recognized electronic tag number is consistent with the retained electronic tag number.

In step S340, a two-way confirmation message is sent to the car owner's mobile phone 900 as shown in Figure 1. In one embodiment, when the bank-side processing circuit 152 determines that the recognized license plate number is consistent with the retained license plate number, and the recognized electronic tag number is consistent with the retained electronic tag number, the bank-side processing circuit 152 determines that the retained vehicle owner's mobile phone number in at least one vehicle owner information is the same. The number sends a two-way confirmation message to the car owner’s mobile phone 900.

In another embodiment, when the bank-side processing circuit 152 determines that at least one identification information is inconsistent with the car owner's information, the bank-side processing circuit 152 sends a warning message to the car owner's mobile phone 900 to notify the car owner of an abnormality.

In step S350, a confirmation message is sent back. In one embodiment, after the car owner (or user) receives the two-way confirmation message, the car owner (or user) sends back a confirmation message according to the instructions in the two-way confirmation message to enable the automatic payment service. When the bank-side processing circuit 152 receives the return confirmation message, the bank-side processing circuit 152 determines whether the car owner has enabled the automatic payment service based on the return confirmation message. If it is determined that the car owner has enabled the automatic payment service, the bank-end processing circuit 152 will enable the automatic payment service; otherwise, the bank-end processing circuit 152 will not enable the automatic payment service.

In step S360, debit information is generated. In one embodiment, when the vehicle C wants to leave the field R through the entrance and exit, the vehicle C approaches the field processing device 110 . When the field processing device 110 senses that the vehicle C is about to leave the field R through the entrance and exit, the field processing circuit 116 generates debit information and transmits the debit information to the bank processing device 150 . In one embodiment, the deduction information includes a deduction amount.

In step S370, a deduction operation is performed. In one embodiment, when the bank-side processing device 150 determines that the car owner's automatic payment service is enabled, the bank-side processing circuit 152 performs a debit operation based on the debit information. In one embodiment, the bank-side processing circuit 152 performs a deduction operation based on one of the car owner's credit card number and the car owner's account number. In one embodiment, the bank-side processing circuit 152 deducts the debit amount from the car owner's account containing the car owner's account number based on the debit amount and the car owner's account number.

In another embodiment, the bank processing device 150 further sends a deduction confirmation message to the car owner's mobile phone 900 for the car owner to confirm whether to perform automatic deduction using the enabled automatic payment service.

In step S380, a completion message is generated after the deduction operation is completed. In one embodiment, when the deduction operation is successfully completed, the bank-side processing circuit 152 generates and sends a completion message to the field processing device 110, so that the field processing device 110 opens the gate G according to the completion message and allows the vehicle C to leave the field. Domain R. In one embodiment, when the deduction operation is successfully completed, the bank-side processing circuit 152 sends a successful deduction message to the car owner's mobile phone 900 for the car owner to confirm that the deduction has been completed. In one embodiment, when the deduction operation is successfully completed, the bank-side processing circuit 152 automatically closes the automatic payment service.

In some embodiments, the field processing device 110 and the bank processing device 150 as described above may be integrated into an electronic device or electronic system. In some embodiments, the server may be implemented as a cloud server, including a central processing unit. In some embodiments, the server may be, but is not limited to, a single processor or a collection of multiple microprocessors, and include memory and input and output circuits.

In some embodiments, the field processing device 110 and the bank-side processing device 150 may be a central processing unit (CPU), a microprocessor (MCU), a server, or other devices capable of data access, data calculation, and data processing. Computing circuits or components for storage, data transmission and reception, or similar functions.

In some embodiments, the field processing circuit 116 and the bank-side processing circuit 152 may be circuits or components with data access, data calculation, data storage, or similar functions. In some embodiments, the bank-side processing circuit 152 may be a circuit or component with data storage, data access or similar functions.

In some embodiments, the payment system 100 as described above can be integrated into an electronic device or electronic system. In some embodiments, the server may be implemented as a cloud server, including a central processing unit. In some embodiments, the server may be, but is not limited to, a single processor or a collection of multiple microprocessors, and include memory and input and output circuits.

In some embodiments, the field processing device 110 and the bank-side processing device 150 may further include other components required for operation and application. For example, the field processing device 110 and the bank-side processing device 150 may further include an output interface. (e.g., display panel for displaying information), input interface (e.g., touch panel, keyboard, microphone, scanner or flash memory reader), and communication circuit (e.g., WiFi communication model, Bluetooth communication model , wireless telecommunications network communication model, etc.), memory, etc.

According to the aforementioned embodiments, the implementation of this case provides a payment system that does not require additional self-service payment machines in the venue (such as parking lots, gas stations, restaurants, etc.), which can effectively reduce the cost of hardware installation. Furthermore, the implementation of this case utilizes existing camera circuits, infrared sensing circuits and processing circuits with image recognition functions, and integrates them with the automatic deduction or payment functions of the bank, so that the deduction amount can be automatically settled and automatic deductions can be made. Quite convenient. In addition, the implementation of this case not only confirms the car owner's information at the bank, but also sends a two-way confirmation message (two-way SMS) to allow the car owner to confirm whether to enable the automatic payment service, thereby enhancing the security of this automatic payment service through double confirmation.

Although this case is disclosed above with detailed embodiments, this case does not exclude other feasible implementation forms. Therefore, the scope of protection in this case shall be determined by the scope of the appended patent application and shall not be limited by the foregoing embodiments.

For those skilled in the art, various modifications and modifications can be made to the present application without departing from the spirit and scope of the present application. Based on the foregoing embodiments, all changes and modifications made to this case are also covered by the protection scope of this case.

100:Payment system 110:Field processing device 150: Bank processing device 111:Camera circuit 113: Infrared sensing circuit 114: Sensing circuit 116:Field processing circuit 152: Bank side processing circuit 154: Bank side memory 900:Car owner’s mobile phone C:Vehicle G:Gate R: field 300: Payment method S310, S320, S330, S340: steps S350, S360, S370, S380: steps

The contents of this case can be better understood with reference to the implementation methods in the following paragraphs and the following diagrams: Figure 1 is a schematic diagram of a payment system according to some embodiments of this case; Figure 2 is a schematic diagram of the operation of the payment system according to some embodiments of the present case; and Figure 3 is a flow chart of a payment method according to some embodiments of this case.

100:Payment system

110:Field processing device

150: Bank processing device

111:Camera circuit

113: Infrared sensing circuit

114: Sensing circuit

116:Field processing circuit

152: Bank side processing circuit

154: Bank side memory

900:Car owner’s mobile phone

Claims (10)

A payment system that includes: A field processing device, located at an entrance and exit of a field, is used to obtain at least one identification information of a vehicle when it wants to enter the field, and is used to generate a deduction information when the vehicle wants to leave the field; and A bank-side processing device, communication connected to the field processing device, for receiving and confirming the at least one identification information of the vehicle, and activating an automatic payment service based on the two-way confirmation message, wherein the bank-side processing device is further used for Execute a deduction operation when receiving the deduction information sent from the field processing device, and send a completion message to the field processing device after the deduction operation is completed. The payment system as claimed in claim 1, wherein the field processing device further includes: A sensing circuit including: a camera circuit for capturing an image of a license plate of the vehicle; and an infrared sensing circuit for sensing an electronic tag of the vehicle; and A field processing circuit is coupled to the sensing circuit and used to generate the at least one identification information based on the license plate image and the electronic tag. The payment system as described in claim 1, wherein the bank-side processing device further includes: A bank-side memory used to store at least one car owner information; and A bank-side processing circuit, coupled to the bank-side memory, is used to confirm the at least one identification information of the vehicle based on the at least one car owner information, and is used to send the two-way confirmation message to the vehicle based on the at least one car owner information. At least one car owner's information corresponds to one car owner's mobile phone. The payment system as described in claim 3, wherein when the bank-side processing device receives a return confirmation message from the car owner's mobile phone based on the two-way confirmation message, the bank-side processing circuit activates the automatic payment service. The payment system as described in request item 3, wherein the at least one vehicle owner information includes a retained vehicle owner's mobile phone number, a retained vehicle owner's license plate number, a retained electronic tag number, a vehicle owner's credit card number and a vehicle owner's account number. The payment system of claim 5, wherein the bank-side processing circuit is further used to perform the deduction operation based on one of the car owner's credit card number and the car owner's account number. The payment system as described in request item 6, wherein when the deduction operation fails, the bank-side processing circuit is further used to send a deduction failure message to the car owner's mobile phone, wherein when the deduction operation is successful, the bank-side processing circuit The processing circuit is further used to send the completion message to the field processing device, so that the field processing device opens a gate. The payment system as described in claim 6, wherein the bank-side processing circuit is further used to deduct the deduction from a car owner account containing the car owner account number based on a debit amount in the debit information and the car owner account number. amount. The payment system of claim 1, wherein the at least one identification information includes at least one of an identification license plate number and an identification electronic tag number. The payment system of claim 1, wherein the bank-side processing device is further used to calculate a debit amount based on the debit information and a calculation formula.

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