WO2018068682A1 - 一种智能汽车支付系统以及支付方法 - Google Patents

一种智能汽车支付系统以及支付方法 Download PDF

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Publication number
WO2018068682A1
WO2018068682A1 PCT/CN2017/105244 CN2017105244W WO2018068682A1 WO 2018068682 A1 WO2018068682 A1 WO 2018068682A1 CN 2017105244 W CN2017105244 W CN 2017105244W WO 2018068682 A1 WO2018068682 A1 WO 2018068682A1
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WIPO (PCT)
Prior art keywords
payment
vehicle
token
information
mobile terminal
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PCT/CN2017/105244
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English (en)
French (fr)
Inventor
祖立军
徐燕军
何朔
刘国宝
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China Unionpay Co Ltd
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China Unionpay Co Ltd
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    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F17/00—Coin-freed apparatus for hiring articles; Coin-freed facilities or services
    • G07F17/0042—Coin-freed apparatus for hiring articles; Coin-freed facilities or services for hiring of objects
    • G07F17/0057—Coin-freed apparatus for hiring articles; Coin-freed facilities or services for hiring of objects for the hiring or rent of vehicles, e.g. cars, bicycles or wheelchairs
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/12—Payment architectures specially adapted for electronic shopping systems
    • G06Q20/127—Shopping or accessing services according to a time-limitation
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327—Short range or proximity payments by means of M-devices
    • G06Q20/3278—RFID or NFC payments by means of M-devices

Definitions

  • the present invention relates to communication technologies, and more particularly to a smart car payment system based on smart mobile terminals (eg, smart mobile terminals such as mobile phones, tablet computers, etc.) and a smart car payment method.
  • smart mobile terminals eg, smart mobile terminals such as mobile phones, tablet computers, etc.
  • V2X vehicle network communication technology
  • intelligent vehicle terminal technology related to the present invention.
  • V2X Vehicle Network Communication Technology
  • the integrated network is an extension of the Internet of Things technology in the field of intelligent transportation systems.
  • the car relies on the new in-vehicle communication technology, and has the ability to communicate directly with the outside world, especially with the roadside unit and the vehicle, which can realize real-time, low-delay direct communication capability without forwarding through the network operator network.
  • It has unified management of various sensor devices and vehicle control capabilities of the vehicle. At the same time, it can carry multiple applications (car APP) through the vehicle intelligent operating system, and can maintain communication with the mobile phone through near field communication technologies such as NFC or Bluetooth.
  • car APP applications
  • NFC near field communication technologies
  • the automobile is not a payment terminal, so it cannot meet the payment demand of the automobile as the core scene in the process of using the automobile. For example, it is not convenient to pay the information such as the car model, the identification number, the license plate and the like in the process of payment.
  • the existing payment technologies mainly include mobile APP payment and post-installation vehicle unit payment. the way:
  • the mobile APP method the association with the used car is used for each rental, and after the rental is completed, the payment is completed by the mobile payment method, and the payment method can only realize the demand of the automobile rental fee, and the parking and the high speed during the use of the automobile.
  • the payment requirements, such as fees and violations, still need to be in accordance with the original process.
  • the mobile APP also needs to manually fill in some information, and the convenience is not high. And other issues.
  • ETC OUB equipment which can mainly solve the problem of highway toll collection, but it can not solve other scenarios such as car rental payment, parking payment, etc.
  • OBU equipment When OBU equipment is processed, the equipment will be initialized and input license plate number and other information, and must be bound. The only payment card, so the shared car scene cannot be applied.
  • an object of the present invention is to enable a car as a payment terminal and pay for a smart car payment system and a payment method with good security.
  • the smart car payment method of the present invention is implemented by using a vehicle terminal and a mobile terminal, and is characterized in that it comprises the following steps:
  • the payment request initiation step the external merchant initiates an order payment request to the smart car
  • a payment account information obtaining step after receiving the order payment request, the vehicle terminal requests the mobile terminal to retrieve the Token, and the mobile terminal returns the payment account information including the Token to the vehicle terminal;
  • a payment information package step the vehicle terminal assembling the payment account information into payment information according to a prescribed specification and transmitting the information to the merchant;
  • the payment processing completion step the merchant completes the payment processing according to the payment information.
  • the payment account information obtaining step comprises the following sub-steps:
  • the vehicle terminal After receiving the order payment request, the vehicle terminal interacts with the mobile terminal through the near field communication method, and requests the mobile terminal to retrieve the Token;
  • the mobile terminal returns the payment account information containing the Token stored by itself to the vehicle terminal according to the call.
  • the vehicle terminal assembles the payment account information together with the vehicle information of the vehicle terminal into payment information and transmits it to the merchant.
  • the vehicle information includes one or more of a vehicle type, a vehicle speed, and a vehicle identification number.
  • the mobile terminal returns the payment account information including the Token stored by itself to the vehicle terminal in real time.
  • the vehicle terminal is configured to request a mobile terminal to retrieve a Token according to an order payment request from an external merchant, and if the vehicle terminal receives the following payment account information, assemble the following payment account information according to a prescribed specification. Send payment information to the merchant,
  • the mobile terminal is configured to store a Token and return payment account information including the Token to the vehicle terminal upon receipt of the call from the vehicle terminal.
  • the vehicle terminal assembles the payment account information together with the vehicle information of the vehicle terminal into payment information for transmission to the merchant.
  • the vehicle terminal is provided with:
  • a vehicle networking communication module for communicating with an external merchant
  • a first communication module configured to implement a communication interaction with the mobile terminal
  • An in-vehicle payment service module configured to initiate a call for retrieving a Token from a mobile terminal according to an order payment request from an external merchant, and in case receiving the payment account information from the mobile terminal, the payment account information Assembled into payment information according to the regulations,
  • the mobile terminal has:
  • a second communication module configured to implement communication interaction with the vehicle terminal
  • Token storage module for storing Tokens
  • the payment control module retrieves the Token from the Token storage module according to the retrieval request from the vehicle terminal and generates corresponding payment account information.
  • the in-vehicle payment service module has:
  • a transaction processing module for providing transaction payment capabilities
  • a communication management module for providing payment communication capabilities.
  • the vehicle terminal is configured to request, from the external terminal, an order payment request to the mobile terminal to retrieve the Token, and the vehicle terminal receives the payment account information including the Token from the mobile terminal.
  • the payment account information is assembled into payment information according to the prescribed specifications and sent to the merchant.
  • the vehicle terminal assembles the payment account information together with the vehicle information of the vehicle terminal into payment information for transmission to the merchant.
  • the vehicle terminal is provided with:
  • a vehicle networking communication module for communicating with an external merchant
  • a first communication module configured to implement communication interaction with the mobile terminal
  • the in-vehicle payment service module is configured to initiate a call for retrieving a Token from the mobile terminal according to an order payment request from an external merchant, and in accordance with the payment account information received from the mobile terminal, The specification is assembled into payment information.
  • the in-vehicle payment service module has:
  • a transaction processing module for providing transaction payment capabilities
  • a communication management module for providing payment communication capabilities.
  • the vehicle can be used as the payment terminal, and the payment information is exchanged with the external acceptance terminal through the vehicle network communication module of the vehicle terminal, and the payment account uses the Token stored in the mobile phone.
  • the vehicle terminal interacts with the mobile phone through a near field communication technology such as Bluetooth or NFC, and reads the payment account information in the mobile phone in real time. Therefore, the smart car payment system and the payment method of the present invention can effectively solve the various needs of the automobile consumption payment, and since the consumer account (ie, Token) does not remain in the car, in the car sharing scenario, the user does not need to worry about the account leakage problem.
  • the Token already existing in the mobile phone is utilized, there is no need to apply for a Token to the cloud again, and the processing flow is not complicated.
  • FIG. 1 is a block diagram showing the configuration of a smart car payment system according to an embodiment of the present invention.
  • Fig. 2 is a block diagram showing the construction of an in-vehicle payment service module in the smart car payment system of the present invention.
  • Figure 3 is a schematic diagram showing the Token generation process.
  • FIG. 4 is a flow chart showing a smart car payment method according to an embodiment of the present invention.
  • the smart car payment system is characterized in that the vehicle is used as a payment terminal, and the payment information is exchanged with the receiving terminal of the external merchant through the vehicle networking communication technology of the vehicle, and the payment account uses the Token stored in the mobile phone ( Token), when the payment transaction occurs, the vehicle terminal interacts with the mobile phone through a near field communication technology such as Bluetooth or NFC, and reads the payment account information in the mobile phone in real time.
  • Token Token
  • FIG. 1 is a block diagram showing the configuration of a smart car payment system according to an embodiment of the present invention.
  • a smart car payment system includes a vehicle terminal 100 and a mobile terminal 200 (herein, in the present embodiment, a mobile terminal is taken as an example, and of course, the same communication as the mobile phone can be provided.
  • Functional mobile smart phones such as laptops and tablets).
  • the vehicle terminal 100 includes an in-vehicle network communication module 110, a first communication module 120, and an in-vehicle payment service module 130.
  • the car network communication module 110 is configured to perform communication interaction with an accepting unit or a merchant (for example, a toll gate of a roadside) outside the vehicle. Communication with the receiving unit or merchant outside the vehicle can be achieved, for example, by the communication layer V2X, which is primarily responsible for providing an access interface between the vehicle terminal 100 and the vehicle V2X controller.
  • an accepting unit or a merchant for example, a toll gate of a roadside
  • Communication with the receiving unit or merchant outside the vehicle can be achieved, for example, by the communication layer V2X, which is primarily responsible for providing an access interface between the vehicle terminal 100 and the vehicle V2X controller.
  • the first communication module 120 is configured to implement communication interaction with the mobile terminal 200.
  • the in-vehicle payment service module 130 is configured to receive a payment request from an external receiving unit or a merchant and retrieve the Token and payment account information and the like from the mobile terminal 200 according to the payment request.
  • the mobile terminal 200 includes a second communication module 210, a payment control module 220, and a Token storage module 230.
  • the second communication module 210 is configured to communicate with the vehicle terminal 100.
  • the Token storage module 230 is configured to store a Token used by the mobile terminal to make a payment.
  • the payment control module 220 retrieves the Token from the Token storage module 230 based on the payment request from the vehicle terminal 100 and generates corresponding payment account information.
  • the payment account information generated by the payment control module 220 is returned to the vehicle terminal 100 through the second communication module 210.
  • Fig. 2 is a block diagram showing the construction of an in-vehicle payment service module in the smart car payment system of the present invention.
  • the in-vehicle payment service module 130 is provided with a core function interface 131 for providing a payment interface capability, a transaction processing module 132 for providing transaction payment capability, and a communication management module 133 for providing payment communication capability.
  • the core function interface 131 encapsulates the in-vehicle payment function in an interface form, and is mainly used to coordinate function scheduling and data exchange of each module.
  • the core function interface 131 is a unified interface implementation of other modules.
  • the core function is the core function of the in-vehicle bank. Loading the in-vehicle payment plug-in requires partial modification of the core function interface of the in-vehicle application, so that the in-vehicle payment plug-in can pay in-vehicle payment through the core function of the in-vehicle application. The options are shown to the user.
  • the transaction processing module 132 is configured to complete management configuration, processing, and easy authentication of the transaction.
  • the transaction processing module 132 includes: a management configuration module 1321 for receiving and processing data exchange notifications and requests from a credential management subsystem of the cloud payment platform; and a payment service logic processing module 1322 for performing payment information according to service requirements.
  • the group package that is, the data group for the payment account information, the vehicle information, and the like is packaged into payment information;
  • the biometric authentication module 1323 passes the biological information (for example, fingerprint, finger vein, face, voice, iris, palm print, etc.) The authentication is performed to determine whether the user can perform the payment operation (the biometric authentication module 1323 is an optional module); and the communication interconnection module 1324 is configured to communicate with the mobile terminal.
  • the communication management module 133 is configured to provide payment communication capabilities and is responsible for establishing a network secure connection and data transmission capability. Specifically, a TLS/SSL secure connection, a remote notification service, and a data transfer service are provided in the communication management module 133.
  • the communication layer-TLS/SSL is mainly responsible for establishing a secure communication connection between the in-vehicle payment service module 130 and an external entity (mainly a credential management system).
  • the main principle of the establishment of the secure channel is to use the certificate chain as a mobile application and an external cloud server. Provide identity authentication and channel encryption services.
  • the remote notification service notification is primarily an interface between the in-vehicle payment service module 130 and the remote notification service.
  • Figure 3 is a schematic diagram showing the Token generation process.
  • the mobile terminal 700 transmits a PAN (ie, a bank card master account) to the Token Requestor 800 for requesting acquisition of a Token.
  • the Token requester 800 forwards the Token request to the Token Service Provider 900.
  • the Token Service Provider 900 generates a corresponding Token according to the Token request, and establishes a mapping relationship between the Token and the PAN, and returns the generated Token to the Token.
  • Requester 800 The Token requester 800 returns the received Token to the mobile terminal 700.
  • the merchant acquires the Token stored in the mobile terminal 700 by using the near field communication method such as NFC, and the merchant sends the obtained Token and the payment information and the like as a payment request to the acquiring institution.
  • the acquiring institution sends the payment request to the payment network, and the payment network calls the Token service provider 900, and the Token service provider 900 verifies the validity of the Token, and obtains the corresponding PAN according to the previously established mapping relationship between the Token and the PAN.
  • the payment network replaces the Token with the PAN and sends the relevant payment request to the corresponding issuing bank to complete the corresponding verification, and completes the payment deduction.
  • FIG. 4 is a flow chart showing a smart car payment method according to an embodiment of the present invention.
  • step S100 the merchant (for example, a highway toll booth, etc.) initiates an order payment request to the vehicle. Specifically, an order payment request is received from the merchant through the car network communication module 110 of the vehicle terminal 100.
  • Step S200 The vehicle terminal 100 interacts with the mobile terminal 200 via a near field communication technology such as Bluetooth or NFC, and requests the mobile terminal 200 to acquire a Token.
  • a near field communication technology such as Bluetooth or NFC
  • Step S300 The mobile terminal 200 generates corresponding payment account information according to the existing mobile payment mechanism, and conforms to the PBOC specification, wherein the payment account information includes a Token.
  • Step S400 The mobile terminal 200 returns the payment account information to the vehicle terminal 100.
  • Step S500 The vehicle terminal 100 performs a payment information package according to the service requirement, and includes information assembling the vehicle information of the vehicle type, the vehicle speed, the vehicle identification number, and the like, and the payment account information.
  • Step S600 The vehicle terminal 100 transmits the payment information to the merchant through the vehicle network communication module 110.
  • Step S700 The merchant processes the payment information, and returns the payment result to the vehicle terminal 100 after the payment information processing.
  • Step S800 The vehicle terminal 100 notifies the mobile terminal 200 of the payment result.
  • the smart car payment system and the payment method of the present invention according to the present invention can ensure the security of payment because only the Token stored in the cardholder mobile terminal is used in the entire payment process without the owner of the bank card.
  • the account number, and the Token is not stored in the vehicle terminal, the user does not need to worry that the Token will remain in the vehicle, so that even if the vehicle is a shared vehicle, the token will not be acquired by others, and the security of the payment can be improved.
  • the user experience is good, and only the Token stored by the mobile terminal is used, and the user does not need to apply for the Token again for the smart car.
  • the vehicle can be used as a payment terminal, and the vehicle information (vehicle type, vehicle speed, vehicle identification number, etc.) can be effectively transmitted in the payment process, which enhances the ability to integrate payment and application scenarios, and can cope with Various car consumption payment scenarios, such as high-speed tolls, vary according to different vehicle models, and the vehicle information can be transmitted through the instrument, and the toll payment of the expressway can be completed according to the vehicle type.
  • vehicle information vehicle type, vehicle speed, vehicle identification number, etc.
  • vehicle information can be effectively transmitted in the payment process, which enhances the ability to integrate payment and application scenarios, and can cope with Various car consumption payment scenarios, such as high-speed tolls, vary according to different vehicle models, and the vehicle information can be transmitted through the instrument, and the toll payment of the expressway can be completed according to the vehicle type.

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Abstract

一种智能汽车支付系统以及支付方法，该方法包括下述步骤：外部的商户向智能汽车发起订单支付请求(S100)；车辆终端(100)收到订单支付请求后向移动终端(200)请求调取Token(S200)，移动终端(200)将包含Token的支付账户信息返回到车辆终端(100) (S400)；车辆终端(100)将支付账户信息按照规定规范组装成支付信息(S500)发送到商户(S600)；以及商户按照支付信息完成支付处理(S700)，该方法能够保证支付的安全性，提高支付的便捷性，同时还能够有效解决车辆消费支付的各类场景需要。

Description

一种智能汽车支付系统以及支付方法 技术领域
本发明涉及通信技术，更具体地涉及基于智能移动终端(例如手机、平板电脑等智能移动终端)的智能汽车支付系统以及智能汽车支付方法。
背景技术
首先，对于与本发明的相关的车辆网通信技术(V2X)和智能车辆终端技术进行简单说明。
(1)车联网通信技术(V2X)
在车联网环境下，通过车与车、路、人、后台等信息交互和共享，使车和基础设施之间智能协同与配合，实现智能交通管理控制、车辆智能化控制和智能动态信息服务的一体化网络，是物联网技术在智能交通系统领域的延伸。其中，汽车依托新型车载通信技术，具备了与外界直接点到点的通信能力，尤其是与路边单元、车可以实现实时、低延迟直接通信能力，无需通过网络运营商网络转发。
(2)智能车辆终端技术
具备对车载各类传感器设备、汽车操控能力的统一管理，同时通过车载智能操作系统可以承载汽车多应用(车载APP)，并可以通过NFC或者蓝牙等近场通信技术与手机保持通信互联。
另一方面，随着互联网和汽车的发展，出于对汽车资源利用以及交通高效便捷的考虑，汽车分享将是未来车联网环境下的主流趋势，即更多汽车出行将采用分时租赁模式，而非私人车模式，在这过程中，便对汽车分时租赁过程中汽车租赁费用，以及汽车使用过程中停车、高速收费、违章罚款等支付方式提出新的要求。
现有技术模式下，汽车并不是支付终端，因此无法满足汽车使用过程中以汽车为核心场景的支付需求，如需要支付过程中同步上传汽车车型、识别号、车牌等信息，支付并不便捷。
因此，现有的支付技术主要包括手机APP支付和后装车载单元支付两种 方式：
(1)手机APP支付
即通过手机APP方式与所使用的车进行每次租用时的关联，在租车结束后，通过手机支付方式完成支付，该支付方式仅能实现汽车租赁费用的需求，汽车使用过程中的停车、高速收费、违章罚款等支付需求仍然需按原有流程，存在支付方式在不同场景割裂的问题，同时每次租用是，手机APP还需要人工填写部分信息，便捷性不高，支付时无法携带汽车信息等问题。
(2)后装车载单元支付
该方式典型的案例是ETC OUB设备，主要能解决高速公路收费问题，但无法解决租车缴、停车支付等其他场景，OBU设备办理时将会对设备进行初始化输入车牌号等信息，且必须绑定唯一支付卡，因此无法适用共享汽车场景。
发明内容
鉴于上述问题，本发明的目的在于，能够将汽车作为支付终端并且支付安全性良好的智能汽车支付系统以及支付方法。
本发明的智能汽车支付方法，利用车辆终端和移动终端实现，其特征在于，包括下述步骤：
支付请求发起步骤，外部的商户向智能汽车发起订单支付请求；
支付账户信息获取步骤，车辆终端收到所述订单支付请求后向移动终端请求调取Token，移动终端将包含Token的支付账户信息返回到车辆终端；
支付信息组包步骤，车辆终端将所述支付账户信息按照规定规范组装成支付信息发送到商户；以及
支付处理完成步骤，商户按照所述支付信息完成支付处理。
优选地，所述支付账户信息获取步骤包括下述子步骤：
车辆终端收到所述订单支付请求后，通过近场通讯方式与移动终端交互，向移动终端请求调取Token；以及
移动终端根据调用将包含本身所储存的Token的支付账户信息返回到车辆终端。
优选地，在所述支付信息组包步骤中，车辆终端将所述支付账户信息和车辆终端的车辆信息一起组装成支付信息发送到商户。
优选地，所述车辆信息包括车辆类型、车速、车辆识别号中的一项或者多项。
优选地，在所述支付账户信息获取步骤中移动终端将包含本身所储存的Token的支付账户信息实时地返回到车辆终端。
优选地，所述车辆终端用于根据来自外部商户的订单支付请求向移动终端请求调取Token，并且在车辆终端收到下述支付账户信息的情况下，将下述支付账户信息按照规定规范组装成支付信息发送到商户，
所述移动终端用于储存Token并且在收到来自车辆终端的调取时将包含Token的支付账户信息返回到车辆终端。
优选地，所述车辆终端将所述支付账户信息和车辆终端的车辆信息一起组装成支付信息发送到商户。
优选地，所述车辆终端具备：
车联网通信模块，用于与外部的商户进行通信交互；
第一通信模块，用于实现与所述移动终端之间的通信交互；以及
车载支付服务模块，用于根据来自外部商户的订单支付请求向移动终端发起调取Token的调取请求，并且在收到来自移动终端的所述支付账户信息的情况下，将所述支付账户信息按照规定规范组装成支付信息，
所述移动终端具备：
第二通信模块，用于实现与车辆终端之间的通讯交互；
Token储存模块，用于储存Token；以及
支付控制模块，根据来自车辆终端的调取请求从所述Token储存模块中调取Token并生成相应的支付账户信息。
优选地，所述车载支付服务模块具备：
用于提供支付接口能力的核心功能接口；
用于提供交易支付能力的交易处理模块；以及
用于提供支付通信能力的通信管理模块。
本发明的车辆终端，其特征在于，
所述车辆终端用于根据来自外部商户的订单支付请求向移动终端请求调取Token，并且在车辆终端收到来自移动终端的包含Token的支付账户信息的情况 下，将支付账户信息按照规定规范组装成支付信息发送到商户。
优选地，所述车辆终端将所述支付账户信息和车辆终端的车辆信息一起组装成支付信息发送到商户。
优选地，所述车辆终端具备：
车联网通信模块，用于与外部的商户进行通信交互；
第一通信模块，用于实现与移动终端之间的通信交互；以及
车载支付服务模块，用于根据来自外部商户的订单支付请求向移动终端发起调取Token的调取请求，并且在收到来自移动终端的支付账户信息的情况下，将所述支付账户信息按照规定规范组装成支付信息。
优选地，所述车载支付服务模块具备：
用于提供支付接口能力的核心功能接口；
用于提供交易支付能力的交易处理模块；以及
用于提供支付通信能力的通信管理模块。
如上所述，根据本发明的智能汽车支付系统以及支付方法，能够将车辆作为支付终端，通过车辆终端的车联网通信模块与外部受理终端完成支付信息交互，支付帐户使用存放在手机中的Token，在支付交易发生时，车载终端通过蓝牙或NFC等近场通信技术与手机交互，实时读取手机中的支付帐户信息。因此，本发明的智能汽车支付系统以及支付方法能够有效解决汽车消费支付各类场景需要，并因消费帐户(即Token)不留存在汽车内，在汽车共享场景下，用户无需担心帐户泄露问题。而且，由于利用已经存在于手机中的Token，因此无需再次向云端申请Token，处理流程不繁复。
_
附图说明
图1是表示本发明的一实施方式的智能汽车支付系统的构造框图。
图2是表示本发明的智能汽车支付系统中的车载支付服务模块的构造示意图。
图3是表示Token产生过程的示意图。
图4是表示本发明的一实施方式的智能汽车支付方法的流程图。
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具体实施方式
下面介绍的是本发明的多个实施例中的一些，旨在提供对本发明的基本了解。并不旨在确认本发明的关键或决定性的要素或限定所要保护的范围。
本发明的一实施方式的智能汽车支付系统的其特征在于，将车辆作为支付终端，通过车辆的车联网通信技术与外部商户的受理终端完成支付信息交互，支付帐户使用存放在手机中的Token(令牌)，在支付交易发生时，车辆终端通过蓝牙或NFC等近场通信技术与手机交互，实时地读取手机中的支付帐户信息。
图1是表示本发明的一实施方式的智能汽车支付系统的构造框图。
如图1所示，本发明的一实施方式的智能汽车支付系统包括车辆终端100和移动终端200(这里在本实施方式中以移动终端为例进行说明，当然也能够是具备与手机相同的通信功能的手提电脑、平板电脑等的移动智能终端)。
车辆终端100具备：车联网通信模块110、第一通信模块120以及车载支付服务模块130。
其中，车联网通信模块110用于与车辆外部的受理单元或者商户(例如，路边的收费站等)进行通信交互。与车辆外部的受理单元或者商户的通信例如可以通过通信层V2X来实现，通信层V2X主要负责为车辆终端100与车辆V2X控制器之间提供访问接口。
第一通信模块120用于实现与移动终端200之间的通信交互。
车载支付服务模块130用于从外部的受理单元或者商户接收支付请求并且根据支付请求从移动终端200调取Token和支付账户信息等。
移动终端200具备：第二通信模块210、支付控制模块220以及Token储存模块230。
其中，第二通信模块210用于与车辆终端100进行通信。Token储存模块230用于储存移动终端进行支付时使用的Token。支付控制模块220根据来自车辆终端100的支付请求从Token储存模块230中调取Token并生成相应的支付账户信息。由支付控制模块220生成的支付账户信息通过第二通信模块210返回给车辆终端100。
接着，对于本发明的智能汽车支付系统中的车载支付服务模块130的各部分构造以及功能进行说明。
图2是表示本发明的智能汽车支付系统中的车载支付服务模块的构造示意图。其中，车载支付服务模块130具备：用于提供支付接口能力的核心功能接口131、用于提供交易支付能力的交易处理模块132以及用于提供支付通信能力的通信管理模块133。
其中，核心功能接口131将车载支付功能以接口形式进行封装，主要用于协调各个模块的功能调度和数据交换。核心功能接口131是其他模块的统一接口实现。例如，如果车载应用为车载银行应用，则核心功能为车载银行的核心功能，加载车载支付插件需要对车载应用的核心功能接口进行部分改造，使得车载支付插件可以通过车载应用的核心功能将车载支付选项展示给用户。
交易处理模块132用于完成交易的管理配置、处理以及易认证。具体地，交易处理模块132包括：管理配置模块1321，用于接收和处理来自云端支付平台的凭证管理子系统的数据交换通知和请求；支付业务逻辑处理模块1322，用于根据业务要求进行支付信息的组包，即用于将支付账户信息、车辆信息等的数据组包成支付信息；生物认证模块1323，通过对生物信息(例如，指纹、指静脉、人脸、语音、虹膜、掌纹等)进行认证来判断用户可否进行支付操作(生物认证模块1323是可选模块)；以及，通信互连模块1324，用于与移动终端进行通信互连。
通信管理模块133用于提供支付通信能力并负责网络安全连接的建立以及数据传输能力。具体地，在通信管理模块133中提供TLS/SSL安全连接、远程通知服务以及数据传输服务。其中，通信层-TLS/SSL主要负责为车载支付服务模块130与外部实体(主要为凭证管理系统)之间建立安全通信连接，安全通道的建立主要原理是使用证书链为移动应用和外部云端服务器提供身份认证和通道加密服务。远程通知服务通知主要是车载支付服务模块130与远程通知服务之间的接口。
接着，对于利用本发明的智能汽车支付系统实现的支付方法的具体流程进行具体说明。
在说明本发明的智能汽车支付方法的具体流程之前，先对于Token的产生以及在支付应用中的应用进行说明。
图3是表示Token产生过程的示意图。
如图3所示，移动终端700发送PAN(即，银行卡主帐号)到Token请求方800用以请求获取Token。Token请求方800将该Token请求转发到Token服务提供方(Token Service Provider)900，Token服务提供方900根据Token请求生成对应的Token，并且建立Token与PAN的映射关系，将生成的Token返回到Token请求方800。Token请求方800将接收到的Token返回给移动终端700。
这样，利用移动终端700在商户购买商品并进行支付时，商户利用NFC等的近场通讯方式获取移动终端700中储存的Token，商户将获取的Token以及支付信息等作为支付请求发送到收单机构，收单机构将该支付请求发送到支付网络，支付网络调用Token服务提供方900，Token服务提供方900验证Token的合法性，并根据之前建立的Token与PAN的映射关系，获取相应的PAN，返回给支付网络，支付网络将Token替换成PAN并将相关支付请求发送到相应的发卡行完成相应的校验后，完成支付扣款。
下面，对于利用本发明的智能汽车支付系统实现的一实施方式的支付方法进行说明。
图4是表示本发明的一实施方式的智能汽车支付方法的流程图。
如图4所示，步骤S100：商户(例如，高速公路收费站等)向车辆发起订单支付请求。具体地，通过车辆终端100的车联网通信模块110从商户收到订单支付请求。
步骤S200：车辆终端100通过蓝牙或者NFC等的近场通讯技术与移动终端200进行交互，向移动终端200请求获取Token。
步骤S300：移动终端200根据现有移动支付机制生产相应支付帐户信息，符合PBOC规范，其中，该支付账户信息中包含Token。
步骤S400：移动终端200将支付账户信息返回给车辆终端100。
步骤S500：车辆终端100根据业务要求进行支付信息组包，包括将车辆类型、车速、车辆识别号等的车辆信息与支付帐户信息进行信息组装。
步骤S600：车辆终端100通过车联网通信模块110将支付信息发送到商户。
步骤S700：商户处理支付信息，并且在支付信息处理之后将支付结果返回到车辆终端100。
步骤S800：车辆终端100将支付结果通知移动终端200。
如上所述，根据本发明的本发明的智能汽车支付系统以及支付方法，能够保证支付的安全性，因为在整个支付过程中仅使用持卡人移动终端中储存的Token而不出现银行卡的主帐号，并且该Token不会被储存到车辆终端内，用户无需担心Token会留存车辆内，这样即使车辆是共享车辆，也不会被他人获取Token，能够提高支付的安全性。而且，用户体验良好，只需延用移动终端本来就储存的Token，用户无需对智能汽车进行再次申请Token。
另一方面，能够将车辆作为支付终端，能够有效地在支付过程中将车辆信息(车辆类型、车速、车辆识别号等的)一并传输，增强了支付与应用场景融合能力，并能够应应对各种汽车消费支付场景，例如高速收费方面根据不同车型收费不同，通过仪器传输车辆信息，能够按车辆类型完成高速公路的过路费的支付。
以上例子主要说明了本发明的智能汽车支付系统以及支付方法。尽管只对其中一些本发明的具体实施方式进行了描述，但是本领域普通技术人员应当了解，本发明可以在不偏离其主旨与范围内以许多其他的形式实施。因此，所展示的例子与实施方式被视为示意性的而非限制性的，在不脱离如所附各权利要求所定义的本发明精神及范围的情况下，本发明可能涵盖各种的修改与替换。

Claims (13)

  1. 一种智能汽车支付方法，利用车辆终端和移动终端实现，其特征在于，包括下述步骤：
    支付账户信息获取步骤，车辆终端根据来自外部商户的订单支付请求向移动终端请求调取Token，移动终端将包含Token的支付账户信息返回到车辆终端；
    支付信息组包步骤，车辆终端将所述支付账户信息按照规定规范组装成支付信息发送到商户；以及
    支付处理完成步骤，商户按照所述支付信息完成支付处理。
  2. 如权利要求1所述的智能汽车支付方法，其特征在于，
    所述支付账户信息获取步骤包括下述子步骤：
    车辆终端从外部商户收到订单支付请求；
    根据所述订单支付请求，通过近场通讯方式与移动终端交互，向移动终端请求调取Token；以及
    移动终端根据调用，将包含本身所储存的Token的支付账户信息返回到车辆终端。
  3. 如权利要求1所述的智能汽车支付方法，其特征在于，
    在所述支付信息组包步骤中，车辆终端将所述支付账户信息和车辆终端的车辆信息一起组装成支付信息发送到商户。
  4. 如权利要求1所述的智能汽车支付方法，其特征在于，
    所述车辆信息包括车辆类型、车速、车辆识别号中的一项或者多项。
  5. 如权利要求1所述的智能汽车支付方法，其特征在于，
    在所述支付账户信息获取步骤中移动终端将包含本身所储存的Token的支付账户信息实时地返回到车辆终端。
  6. 一种智能汽车支付系统，具备车辆终端和移动终端，其特征在于，
    所述车辆终端用于根据来自外部商户的订单支付请求向移动终端请求调取
    Token，并且在车辆终端收到下述支付账户信息的情况下，将下述支付账户信息按照规定规范组装成支付信息发送到外部商户，
    所述移动终端用于储存Token并且在收到来自车辆终端的调取时将包含Token的支付账户信息返回到车辆终端。
  7. 如权利要求6所述的智能汽车支付方法，其特征在于，
    所述车辆终端将所述支付账户信息和车辆终端的车辆信息一起组装成支付信息发送到商户。
  8. 如权利要求6或7所述的智能汽车支付系统，其特征在于，
    所述车辆终端具备：
    车联网通信模块，用于与外部商户进行通信交互；
    第一通信模块，用于实现与所述移动终端之间的通信交互；以及
    车载支付服务模块，用于根据来自外部商户的订单支付请求向移动终端发起调取Token的调取请求，并且在收到来自移动终端的所述支付账户信息的情况下，将所述支付账户信息按照规定规范组装成支付信息，
    所述移动终端具备：
    第二通信模块，用于实现与车辆终端之间的通讯交互；
    Token储存模块，用于储存Token；以及
    支付控制模块，根据来自车辆终端的调取请求从所述Token储存模块中调取
    Token并生成相应的支付账户信息。
  9. 如权利要求8所述的智能汽车支付系统，其特征在于，
    所述车载支付服务模块具备：
    用于提供支付接口能力的核心功能接口；
    用于提供交易支付能力的交易处理模块；以及
    用于提供支付通信能力的通信管理模块。
  10. 一种车辆终端，其特征在于，
    所述车辆终端用于根据来自外部商户的订单支付请求向移动终端请求调取
    Token，并且在车辆终端收到来自移动终端的包含Token的支付账户信息的情况下，将支付账户信息按照规定规范组装成支付信息发送到商户。
  11. 如权利要求10所述的车辆终端，其特征在于，
    所述车辆终端将所述支付账户信息和车辆终端的车辆信息一起组装成支付信息发送到商户。
  12. 如权利要求10或7所述的车辆终端，其特征在于，
    所述车辆终端具备：
    车联网通信模块，用于与外部的商户进行通信交互；
    第一通信模块，用于实现与移动终端之间的通信交互；以及
    车载支付服务模块，用于根据来自外部商户的订单支付请求向移动终端发起调取Token的调取请求，并且在收到来自移动终端的支付账户信息的情况下，将所述支付账户信息按照规定规范组装成支付信息。
  13. 如权利要求12所述的车辆终端，其特征在于，
    所述车载支付服务模块具备：
    用于提供支付接口能力的核心功能接口；
    用于提供交易支付能力的交易处理模块；以及
    用于提供支付通信能力的通信管理模块。
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