WO2016082687A1 - 一种利用智能汽车在服务点进行支付的系统和方法 - Google Patents

一种利用智能汽车在服务点进行支付的系统和方法 Download PDF

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Publication number
WO2016082687A1
WO2016082687A1 PCT/CN2015/094646 CN2015094646W WO2016082687A1 WO 2016082687 A1 WO2016082687 A1 WO 2016082687A1 CN 2015094646 W CN2015094646 W CN 2015094646W WO 2016082687 A1 WO2016082687 A1 WO 2016082687A1
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Prior art keywords
payment device
payment
information
vehicle
fee
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PCT/CN2015/094646
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English (en)
French (fr)
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柴洪峰
何朔
祖立军
孙权
才华
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中国银联股份有限公司
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Publication of WO2016082687A1 publication Critical patent/WO2016082687A1/zh

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    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07B—TICKET-ISSUING APPARATUS; FARE-REGISTERING APPARATUS; FRANKING APPARATUS
    • G07B15/00—Arrangements or apparatus for collecting fares, tolls or entrance fees at one or more control points
    • G07B15/06—Arrangements for road pricing or congestion charging of vehicles or vehicle users, e.g. automatic toll systems

Definitions

  • the present invention relates to payment techniques, and more particularly to systems and methods for making payments at a service point using smart cars.
  • the parking lot is automatically charged by manual charging or IC card.
  • the automatic charging of the IC card requires the user to close the IC card and the payment device to complete the payment.
  • Gas stations use manual charging or fueling card charging. Both of these charging methods require the user to interact with things outside the vehicle. For example, the fueling station needs to explain the amount of fuel to the gas station staff before refueling.
  • the high-speed toll station uses manual charging or ETC charging.
  • the manual charging is to manually distinguish the vehicle type and charge.
  • the ETC charging needs to establish an ETC lane in advance and install charging equipment on the vehicle for charging.
  • vehicles have homogeneous payment requirements in parking lots, gas stations, and high-speed toll stations: more efficient, more convenient, and more user-friendly.
  • the payment of vehicles at public service points mostly uses manual charging.
  • the cumbersome manual payment process will affect the driving experience and will also waste time.
  • the disadvantages of the IC card charging technology include: non-reusability, different IC cards are often used in different payment scenarios; the user needs to pre-process the card, and needs to recharge the IC card in advance; the user needs to close the payment card to the payment device to complete the payment.
  • the ETC technology used for high-speed payment has the following disadvantages: the construction cost is high, the ETC system needs to establish the ETC lane in advance, and assists a large number of equipment; for different types of vehicles, different ETC lanes are required for inspection, which will increase construction costs and contributions. The complexity.
  • the invention discloses a system for making payment by a smart car at a service point, the system comprising a payment device and paying a fee device, a settlement center, wherein the payment device is disposed in the vehicle and associated with the financial account, the payment device is disposed at the service point, and the payment device, the payment device, and the settlement center communicate with each other through the network; when the payment device is close to the payment device, The payment device communicates with the payment device, wherein the payment device transmits the selected service, the vehicle information, and the account information of the financial account to the payment device, and the payment device calculates the fee according to the selected service and the vehicle information, and settles according to the fee and the account information. Central communication for debiting operations.
  • the payment device communicates with the settlement center online to complete the chargeback operation or communicate with the settlement center at a prescribed time to complete the offline charge according to the fee and account information.
  • the payment device invokes account information from the secure chip or reads the account information via access rights.
  • the invention also discloses a method for making payment at a service point by using a smart car.
  • the payment device When the payment device is disposed in the vehicle and is disposed near the service point payment device, the payment device communicates with the payment device, wherein the payment device selects the service and the vehicle information.
  • the account information of the financial account is sent to the payment device, and the payment device calculates the fee according to the selected service and the vehicle information, and communicates with the settlement center according to the fee and the account information to perform the chargeback operation.
  • the payment device communicates with the settlement center online to complete the chargeback operation or communicate with the settlement center at a prescribed time to complete the offline charge according to the fee and account information.
  • the payment device invokes account information from the secure chip or reads the account information via access rights.
  • the invention has the advantages of including: realizing that the user side of the payment process does not communicate with the charging party.
  • the user pays by operating the touch screen in the car compartment, and the on-board computer system realizes the information interaction between the payment device and the smart car, and the information transfer can be through the wireless communication device of the vehicle communication system and the payment device, and the user does not need to open the door or the car.
  • the window communicates with the toll collector.
  • the touch screen of the smart vehicle the user can intuitively know the payment content and increase the transparency of payment.
  • With the payment wallet the payment fee is deducted from the bundled financial account, which is efficient and convenient.
  • the invention is applicable to various payment scenarios such as parking, fueling, high speed, etc., and supports online payment and also supports offline payment.
  • the invention has the advantages for the public service receiving end (service point): reducing the manpower and time of the payment process, saving The efficiency of the service is improved; the payment process is self-operated by the user, avoiding the phenomenon of poor service that may occur due to manual payment, and improving the quality of service; the payment fee is deducted by the user financial account, which is safe and reliable and convenient for accounting statistics; the payment information is automatically generated.
  • smart cars can automatically obtain their own vehicle information, such as license plate number, vehicle size type, etc., this information can be used in the payment process, such as high-speed payment, smart cars can send vehicle information to the payment device, payment device The cumbersome process of high-speed manual identification of vehicle types is eliminated by determining the corresponding cost by vehicle type.
  • FIG. 1 is a schematic diagram of a system for making a payment at a service point using a smart car.
  • FIG. 2 is an example of a process of making an online payment at a service point using a smart car.
  • FIG. 3 is an example of a process of making an online payment at a service point using a smart car.
  • FIG. 4 is a schematic diagram of calling account information when a smart car makes a payment at a service point.
  • the system includes a payment device, a payment device, and a settlement center.
  • the payment device is placed in the vehicle and associated with the financial account.
  • the payment device may be a payment application pre-installed on the onboard computer system, and The payment application is tied to the user's financial account, whereby the fee paid will be deducted from the financial account.
  • the payment device is set at a service point, for example, a parking lot, a gas station, a high-speed toll station, and the like.
  • the payment device, the payment device, and the settlement center communicate with each other through the network.
  • the payment device can communicate wirelessly with the wireless communication device of the payment device via the vehicle's in-vehicle communication system.
  • the payment device and the payment device can also be remotely connected and communicated with the settlement center via the Internet or the like.
  • the payment device When the payment device is close to the payment device, the payment device communicates with the payment device, wherein the payment device transmits the selected service, the vehicle information, and the account information of the financial account to the payment device.
  • the communication of the payment device with the payment device may be initiated by the payment device (eg, when the service point is a gas station) or initiated by the payment device (eg, when the service point is a high speed toll station).
  • the optional service can be sent from the payment device to the payment device, which can provide a selectable service to the payment device based on the vehicle information.
  • the payment device calculates a fee based on the selected service and vehicle information, and communicates with the settlement center based on the fee and account information to perform a chargeback operation.
  • the payment device may identify, by the wireless communication device, a signal sent by the vehicle for identification by the payment device, after which the vehicle may transmit the vehicle information to the payment device, for example, including the license plate number, Owner identity, vehicle type, fuel quantity, vehicle status, etc.
  • the payment device can provide alternative services, such as service type and service fee, to the payment device based on the vehicle information.
  • the payment device can provide a selectable service to the payment device based on the vehicle information, the selectable service can be displayed on the on-board display for the user to select.
  • the optional service may be displayed in the form of a list, for example, the oil price list of the gas station and the amount of fuel required by the user, the chargeable fee determined by the high-speed toll station according to the vehicle status information, the parking price list of the parking lot, and Parking information.
  • the user can confirm the service to be purchased according to the service list, such as the amount of fuel added and the type of gasoline, and send the purchased (selected) service information to the payment device.
  • the payment device calculates the fee based on the selected service and vehicle information, and according to the fee and account
  • the user information communicates with the settlement center for the debit operation.
  • the payment device may push a payment authentication message including the fee to the payment device after calculating the fee, and the user may complete the payment authentication (for example, manual click confirmation) through a touch screen associated with the payment device, and in the scenario of the high-speed toll station, automatic In the authentication mode, the payment device automatically authenticates the payment authentication message and presents the payment result information to the user, thereby further saving time and making payment more convenient.
  • the payment device communicates with the settlement center based on the fee and account information to perform a chargeback operation.
  • the debit operation can be performed in real time or delayed.
  • the payment of the fee can be made online or offline.
  • the smart car is first sent to the payment device by the smart car.
  • the payment device identifies the smart car based on the Hello message and sends a confirmation to the smart car to confirm the identified information.
  • the smart car sends the vehicle information to the payment device, it starts to exchange service information with the payment device, that is, the payment device provides an optional service to the smart car, and the smart car selects the required service.
  • the payment device sends a payment application confirmation to the smart car, and the user makes a confirmation payment at the smart car end.
  • the payment device After receiving the confirmation payment information, the payment device connects with the settlement center to complete the payment, for example, sends the payment information including the fee and the account information (including the account and the password) to the settlement center, and then the settlement center communicates with the card issuing bank of the account to complete the payment. Operation. After the online operation of the settlement center is successful, a payment success message is sent to the smart car and the payment device respectively. In the case of online payment, the payment device and the payment device are connected to the issuing bank through the settlement center, and the payment is completed online in real time, and the fee is directly deducted from the user's account.
  • FIG. 3 is an illustration of a process of making an offline payment at a service point using a smart car, in accordance with an embodiment of the present invention.
  • the payment device after receiving the confirmation payment, the payment device directly sends a payment success message to the smart car. And then, the withdrawal is completed by connecting to the settlement center at the specified time.
  • Offline payments do not require a real-time connection to the billing center. This can be done with a payment device and a payment device.
  • the payment device can store the payment information and periodically connect with the settlement center and the issuing bank to complete the final payment.
  • the user may transfer a certain amount of money to the payment device in advance as an offline payment amount.
  • the payment device is a payment wallet application.
  • the user's payment record can be stored in the settlement center so that the user can conveniently use the payment application to connect to the settlement center for viewing.
  • the payment application used can be registered in the settlement center in advance, including personal information authentication and bank account information binding, and will be eligible for payment application after registration.
  • the payment device when the payment device is close to the payment device, the payment device communicates with the payment device, wherein the payment device transmits the selected service, the vehicle information, and the account information of the financial account to the payment device.
  • the account information can be called from the secure chip.
  • the security chip that stores account information can be used as a separate unit to provide high security for account information. It is also possible to adopt a software invocation mode without a security chip, in which the account information is logically isolated from other application data, and the access rights can be set to ensure that the account information is not illegally read.
  • the vehicle information can also be invoked in a software call.
  • FIG. 4 is a schematic diagram of calling account information when a smart car makes a payment at a service point.
  • the account information invoking mode of the payment application may be determined by an "application controller" of the onboard computer system, and the “application controller” maintains an application ID and a routing table of its location, and different applications correspond to different IDs.
  • the "application controller” can identify the application ID and assign the corresponding rights, and can call the payment application to determine the way the account information is used. That is, the payment application is authenticated by the application controller.
  • the "application controller” For a payment application, if the hardware call account information is indicated in the registration information of the "application controller", the "application controller" performs security authentication with the on-board payment device on which the security chip is installed and extracts account information or vehicle information.
  • the "application controller” can transfer the payment application to the "central processing unit" of the on-board computer system, and then obtain the account information through the authority.
  • the payment account information is logically isolated from other application information, similar to the sandbox mechanism in Android, so as to ensure the security of account information.
  • vehicle information can also be carried out via the "Central Processing Unit” transfer.
  • the user can interact with the payment application in the UI interface of the onboard computer system, such as applying for payment, confirming payment, viewing the service information paid, and the like.
  • the on-board computer system can call the security chip in the in-vehicle payment device through the driver.
  • Embodiments of the present invention disclose payment schemes in a smart car environment.
  • a smart car is used to make a payment at a public service point for refueling, high-speed toll, parking, and the like.
  • the solution of the present invention can be realized by the following three parts: a smart car equipped with a payment wallet, a payment device used by the receiving end of the public service point, and a settlement center.
  • a smart car equipped with a payment wallet can initiate a payment request or receive information from a payment device; send vehicle information to a payment device; and confirm payment information and perform payment authentication.
  • the payment wallet on the smart car can call the in-vehicle communication system to connect with the payment device or the settlement center.
  • the payment device can initiate a payment process to the smart car or passively receive the payment request from the smart car; receive the vehicle information of the smart car and calculate the payment related information according to the vehicle information and the service information; communicate with the settlement center in real time to complete the online payment or non-real time Communicate with the settlement center to complete offline payment.
  • the payment device can be connected to the vehicle communication system on the smart car through a wireless communication channel to realize communication between the payment device and the smart car.
  • the smart car utilized by the embodiment of the present invention may be an integrated vehicle system integrating functions of environment awareness, planning decision, multi-level assisted driving and the like.
  • a smart car can be composed of different subsystems, such as an on-board computer system, an in-vehicle communication system, and the like.
  • the on-board computer system is the central part of the smart car, and the user operates the on-board computer system through the on-board touch screen.
  • Touch screen is the most important human-computer interaction interface of the on-board computer.
  • the user can call the application, input information, confirm the command on the touch screen, and the information fed back by the application is presented to the user through the touch screen.
  • an in-vehicle computer system provides an operating platform for applications that can install different types of applications, such as payment wallets and social applications. These applications can call other systems of smart cars, such as payment wallets that can call in-vehicle payment systems (for example, in-vehicle payment devices with security chips) and in-vehicle communication systems.
  • Systematic, social applications can call in-car navigation systems and in-car entertainment systems.
  • the in-vehicle communication system enables the smart car to communicate with surrounding communication devices, and the communication technologies used include wireless cellular communication technologies (such as 3G/LTE technology), dedicated short-range communication (DSRC) technology, and near field communication technology (NFC).
  • the in-vehicle communication system is capable of completing the connection of the payment wallet to the payment device and the connection of the payment wallet to the settlement center.
  • the in-vehicle communication system provides a comprehensive communication connectivity solution.

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  • Business, Economics & Management (AREA)
  • Finance (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Devices For Checking Fares Or Tickets At Control Points (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

一种利用智能汽车在服务点进行支付的系统，该系统包括支付装置、缴费设备、结算中心，其中，支付装置被设置在车辆中并且与金融账户关联，缴费设备被设置在服务点，支付装置、缴费设备、结算中心通过网络互相通信；当支付装置靠近缴费设备时，支付装置与缴费设备通信，其中，支付装置将选择的服务、车辆信息、金融账户的账户信息发送给缴费设备，缴费设备根据选择的服务和车辆信息计算费用，并且根据该费用和账户信息与结算中心通信以进行扣款操作。

Description

一种利用智能汽车在服务点进行支付的系统和方法 技术领域
本发明涉及支付技术，并且尤其涉及利用智能汽车在服务点进行支付的系统和方法。
背景技术
现有技术中，停车场、加油站、高速收费站等对车辆进行收费的效率较低、用户体验较差。停车场采用人工收费或者IC卡自动收费，其中IC卡自动收费需要用户将IC卡与缴费设备近距离接触完成缴费。加油站采用人工收费或者加油卡收费两种，这两种收费方式都要求用户与车外事物进行交互，例如，加油前需要向加油站的工作人员说明加油量的大小。高速收费站采用人工收费或者ETC收费，其中人工收费即由人工区别车辆类型并进行收费，ETC收费需要预先建立ETC车道并在车辆上安装收费设备进行收费。
因此，车辆在停车场、加油站、高速收费站中具有同构的支付需求：更高效、更便捷、更人性化。
发明内容
现有技术中，车辆在公共服务点的支付大多使用人工收费。对于车辆用户而言，繁琐的人工缴费过程将影响到驾驶体验，还将造成时间的浪费。IC卡收费技术的缺点包括：不可重用性，不同的支付场景下常常使用不同的IC卡；用户需要预先办理卡片，并且需要预先向IC卡中充值；用户需要将IC卡靠近缴费设备完成支付。高速缴费所使用的ETC技术有如下缺点：建设费用昂贵，ETC系统需要预先建立ETC车道，并辅助大量的设备；对于不同类型的车辆，需要不同的ETC车道进行检测，这将增加建设成本和缴费的复杂性。
本发明公开，利用智能汽车在服务点进行支付的系统，该系统包括支付装置、缴 费设备、结算中心，其中，支付装置被设置在车辆中并且与金融账户关联，缴费设备被设置在服务点，支付装置、缴费设备、结算中心通过网络互相通信；当支付装置靠近缴费设备时，支付装置与缴费设备通信，其中，支付装置将选择的服务、车辆信息、金融账户的账户信息发送给缴费设备，缴费设备根据选择的服务和车辆信息计算费用，并且根据该费用和账户信息与结算中心通信以进行扣款操作。
优选地，缴费设备根据该费用和账户信息，与结算中心在线通信以完成扣款操作或者在规定的时间与结算中心通信以完成离线扣款。
优选地，支付装置从安全芯片调用账户信息或者通过访问权限来读取账户信息。
本发明还公开，利用智能汽车在服务点进行支付的方法，当设置在车辆中支付装置靠近设置在服务点缴费设备时，支付装置与缴费设备通信，其中，支付装置将选择的服务、车辆信息、金融账户的账户信息发送给缴费设备，缴费设备根据选择的服务和车辆信息计算费用，并且根据该费用和账户信息与结算中心通信以进行扣款操作。
优选地，缴费设备根据该费用和账户信息，与结算中心在线通信以完成扣款操作或者在规定的时间与结算中心通信以完成离线扣款。
优选地，支付装置从安全芯片调用账户信息或者通过访问权限来读取账户信息。
本发明的优势在于包括：实现缴费过程用户方与收费方交互不沟通。用户在车厢内通过操作触摸屏幕进行支付，车载计算机系统实现缴费设备和智能汽车之间的信息交互，信息转输都可以通过车载通信系统和缴费设备的无线通信设备，用户不需要打开车门或者车窗与收费方进行交流。通过智能车辆的触摸屏幕，用户可以直观地知晓支付内容，增加支付透明度。采用支付钱包，支付费用从绑定的金融账户中扣除，高效便捷。本发明适用于停车、加油、高速等多种缴费场景，并且支持线上支付也支持离线支付。本发明对于公共事业受理端(服务点)包括优点：减少缴费过程的人力和时间，节省成 本提高服务的效率；缴费过程由用户自助操作，避免了人工缴费可能出现的服务不周现象，提高服务质量；缴费费用通过用户金融账户扣除，安全可靠并且方便账目统计；支付信息自动生成。此外，智能汽车能够自动获得自身的车辆信息，如车牌号、车辆大小类型等，这些信息可以被运用在支付过程之中，比如高速缴费时，智能汽车可以将车辆信息发送至缴费设备，缴费设备通过车辆类型确定相应的费用，摆脱了高速人工识别车辆类型的繁琐过程。
附图说明
在参照附图阅读了本发明的具体实施方式以后，本领域技术人员将会更清楚地了解本发明。本领域技术人员应当理解的是，附图仅仅用于配合具体实施方式说明本发明的技术方案，而并非意在对本发明的保护范围构成限制。
图1是利用智能汽车在服务点进行支付的系统的示意图。
图2是利用智能汽车在服务点进行在线支付的过程的示例。
图3是利用智能汽车在服务点进行在线支付的过程的示例。
图4是利用智能汽车在服务点进行支付时调用账户信息的示意图。
具体实施方式
下面参照附图，对本发明的具体实施方式作进一步的详细描述。应当理解的是，可对所描述的实施例进行结构的和功能的修改。另外，可针对任何给定的或特定的应用所期望和有利的那样，一个实施例的一个或多个特征可以与另一个实施例的一个或多个特征相组合。
图1是根据本发明实施例的利用智能汽车在服务点进行支付的系统的示意图。如图所示，该系统包括支付装置、缴费设备、结算中心。其中，支付装置被设置在车辆中并且与金融账户关联。支付装置可以是预先安装在车载计算机系统上的支付应用，并且 该支付应用与用户的金融账户绑定，由此支付的费用将从金融账户中被扣除。缴费设备被设置在服务点，例如，停车场、加油站、高速收费站等。支付装置、缴费设备、结算中心通过网络互相通信。例如，支付装置可以通过车辆的车载通信系统与缴费设备的无线通信设备进行无线通信。支付装置和缴费设备还可以通过互联网等分别与结算中心远程连接并通信。
当支付装置靠近缴费设备时，支付装置与缴费设备通信，其中，支付装置将选择的服务、车辆信息、金融账户的账户信息发送给缴费设备。支付装置与缴费设备的通信根据服务点的情况可以由支付装置主动发起(例如当服务点是加油站时)或者由缴费设备主动发起(例如当服务点是高速收费站时)。可选择的服务可以从缴费设备被发送至支付装置，缴费设备可以根据车辆信息向支付装置提供可选择的服务。缴费设备根据选择的服务和车辆信息计算费用，并且根据该费用和账户信息与结算中心通信以进行扣款操作。
在一个示例中，当车辆进入服务点，缴费设备可以通过无线通信设备识别出车辆发送的用于供缴费设备识别的信号，之后车辆可以将车辆信息发送给缴费设备，车辆信息例如包括车牌号、车主身份、车辆类型、油量、车辆状态等。缴费设备可以根据车辆信息向支付装置提供可选择的服务，例如服务类型和服务费用。当缴费设备可以根据车辆信息将可选择的服务至支付装置时，可选择的服务可以被显示在车载显示器上供用户选择。可选择的服务可以以列表的形式被显示，列表的内容例如可以是加油站的油价表和用户所需加油量、高速收费站根据车辆状态信息确定的应收费用、停车场的停车价格表和车位信息。用户可以根据服务列表确认要购买的服务，如所加油量和汽油种类，并将所购买(所选择)的服务信息发送给缴费设备。
如上所述，缴费设备根据选择的服务和车辆信息计算费用，并且根据该费用和账 户信息与结算中心通信以进行扣款操作。缴费设备在计算费用后可以向支付装置推送包括费用的支付认证消息，用户可以例如通过与支付装置关联的触摸屏幕完成支付认证(例如手动点击确认)，在高速收费站的场景下，可以采用自动认证方式，由支付装置对支付认证消息自动认证并将支付结果信息呈现给用户，由此可以进一步节约时间，使支付更加便捷。
如上所述，缴费设备根据该费用和账户信息与结算中心通信以进行扣款操作。这里，扣款操作可以实时进行或者延迟进行。根据本发明的实施例，费用的支付可以在线或者离线进行。
图2是根据本发明实施例的利用智能汽车在服务点进行在线支付的过程的示例。如图2所示，首先由智能汽车向缴费设备发送Hello信息。缴费设备根据Hello信息识别出智能汽车，并向智能汽车发送确认已识别信息。然后，智能汽车在向缴费设备发送车辆信息后，开始与缴费设备进行服务信息交互，即由缴费设备向智能汽车提供可选的服务，以及由智能汽车选择需要的服务。在服务完成后，由缴费设备向智能汽车发送支付申请确认，用户在智能汽车端进行确认支付。缴费设备在收到确认支付信息之后与结算中心连接来完成支付，例如将包括费用和账户信息(包括账户和密码)的支付信息发送给结算中心，再由结算中心与账户的发卡行通信完成扣款操作。在结算中心的在线操作成功后，分别向智能汽车和缴费设备发送支付成功消息。在线上支付的情况，缴费设备和支付装置通过结算中心与发卡行连接，实时地在线完成支付，费用直接从用户的账户中被扣除。
图3是根据本发明实施例的利用智能汽车在服务点进行离线支付的过程的示例。如图3所示，缴费设备在收到确认支付之后，直接向智能汽车发送支付成功消息。并且之后，在规定的时间与结算中心连接完成扣款。离线支付不需要与结算中心实时连接， 通过支付装置与缴费设备即可完成。缴费设备可以将支付信息存储，定期与结算中心和发卡行连接完成最终支付。在一个例子中，用户可以事先向支付装置中转入一定数量的金额作为离线支付金额。在这种情况下，支付装置是支付钱包应用。
用户的支付记录可以被存储在结算中心，使得用户能够方便地使用支付应用与结算中心连接来进行查看。使用的支付应用可以预先在结算中心进行注册，包括个人信息认证和银行账户信息绑定，注册后将获得支付应用的使用资格。
如上所述，当支付装置靠近缴费设备时，支付装置与缴费设备通信，其中，支付装置将选择的服务、车辆信息、金融账户的账户信息发送给缴费设备。根据本发明的实施例，账户信息可以从安全芯片调用。存储账户信息的安全芯片可以作为独立的单元为账户信息提供高安全度。还可以采取无安全芯片的软件调用方式，在该方式中，账户信息与其它应用数据被逻辑隔离，可以通过设置访问权限来保证账户信息不会被非法读取。还可以采用软件调用方式调用车辆信息。图4是利用智能汽车在服务点进行支付时调用账户信息的示意图。如图4所示，支付应用的账户信息调用方式可以由车载计算机系统的“应用控制器”决定，“应用控制器”维护一个应用ID和其所在位置的路由表，不同应用对应不同的ID。“应用控制器”能识别应用ID并赋予相应的权限，并且对于支付应用能判断其使用的账户信息调用方式。也就是说，由应用控制器来认证支付应用。对于一个支付应用，如果在“应用控制器”的注册信息中表明采用硬件调用账户信息，那么“应用控制器”会与安装有安全芯片的车载支付设备进行安全认证并提取账户信息或者车辆信息。如果在“应用控制器”的注册信息中表明采用软件调用账户信息，则“应用控制器”可以将支付应用转交车载计算机系统的“中央处理器”处理，进而通过权限获取账户信息，此时的支付账户信息与其它应用信息逻辑隔离，类似于安卓系统中的沙盒机制，如此能够保证账户信息的安全。此外车辆信息也可以通过“中央处理器”进行 调用。
用户在使用支付应用时，可以在车载计算机系统的UI界面中与支付应用进行交互，比如申请支付、确认支付、查看所支付的服务信息等。车载计算机系统作为车载应用的运行平台可以通过驱动程序调用车载支付设备中的安全芯片。
本发明的实施例公开智能汽车环境下的支付方案。例如，利用智能汽车在用于加油、高速收费、停车等的公共服务点进行支付的方案。本发明的方案可以由以下三个部分来实现：装有支付钱包的智能汽车、公共服务点的受理端使用的缴费设备和结算中心。装有支付钱包的智能汽车能够主动发起支付请求或者从缴费设备接收信息；发送车辆信息给缴费设备；以及确认支付信息和进行支付认证。智能汽车上的支付钱包可以调用车载通信系统以与缴费设备或者结算中心连接。缴费设备能够主动向智能汽车发起支付过程或者被动接收来自智能汽车的支付请求；接收智能汽车的车辆信息并根据车辆信息与服务信息计算支付相关信息；实时与结算中心通信完成线上支付或者非实时与结算中心通信完成离线支付。缴费设备可以通过无线通信信道与智能汽车上的车载通信系统相连接，实现缴费设备和智能汽车间的通信。
本发明的实施例利用的智能汽车可以是集成了环境感知、规划决策、多等级辅助驾驶等功能于一体的综合车辆系统。智能汽车可以由不同的子系统组成，如车载计算机系统、车载通信系统等。车载计算机系统是智能汽车的中心部分，用户通过车载触摸屏幕操作车载计算机系统。触摸屏幕作为车载计算机最重要的人机交互接口，用户可以在触摸屏幕上调用应用程序、输入信息、确认命令，并且应用程序反馈的信息通过触摸屏幕被呈现给用户。作为车载机算机系统，它为应用程序提供了运行平台，可以安装不同类型的应用，比如支付钱包和社交应用。这些应用可以调用智能汽车的其它系统，比如支付钱包可以调用车载支付系统(例如，装有安全芯片的车载支付设备)和车载通信系 统，社交应用可以调用车载导航系统和车载娱乐系统。车载通信系统能够让智能汽车与周围的通信设备联系，其采用的通信技术包括无线蜂窝通信技术(如3G/LTE技术)、专用短程通信(DSRC)技术、近场通信技术(NFC)等。对于支付钱包应用，车载通信系统能够完成支付钱包与缴费设备的连接，以及支付钱包与结算中心的连接。车载通信系统能够提供全面的通信连接解决方案。
通过以上实施方式的描述，本领域中的普通技术人员能够理解，在不偏离本发明的精神和范围的情况下，还可以对本发明的具体实施方式作各种变更和替换。这些变更和替换都落在本发明权利要求书所限定的范围内。

Claims (6)

  1. 一种利用智能汽车在服务点进行支付的系统，其特征在于，该系统包括支付装置、缴费设备、结算中心，其中，支付装置被设置在车辆中并且与金融账户关联，缴费设备被设置在服务点，支付装置、缴费设备、结算中心通过网络互相通信；
    当支付装置靠近缴费设备时，支付装置与缴费设备通信，其中，支付装置将选择的服务、车辆信息、金融账户的账户信息发送给缴费设备，缴费设备根据选择的服务和车辆信息计算费用，并且根据该费用和账户信息与结算中心通信以进行扣款操作。
  2. 如权利要求1所述的系统，其特征在于，
    缴费设备根据该费用和账户信息，与结算中心在线通信以完成扣款操作或者在规定的时间与结算中心通信以完成离线扣款。
  3. 如权利要求1所述的系统，其特征在于，
    支付装置从安全芯片调用账户信息或者通过访问权限来读取账户信息。
  4. 一种利用智能汽车在服务点进行支付的方法，其特征在于，当设置在车辆中支付装置靠近设置在服务点缴费设备时，支付装置与缴费设备通信，其中，支付装置将选择的服务、车辆信息、金融账户的账户信息发送给缴费设备，缴费设备根据选择的服务和车辆信息计算费用，并且根据该费用和账户信息与结算中心通信以进行扣款操作。
  5. 如权利要求4所述的方法，其特征在于，
    缴费设备根据该费用和账户信息，与结算中心在线通信以完成扣款操作或者在规定的时 间与结算中心通信以完成离线扣款。
  6. 如权利要求4所述的方法，其特征在于，
    支付装置从安全芯片调用账户信息或者通过访问权限来读取账户信息。
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