WO2018090770A1 - 一种车载支付方法及装置 - Google Patents

一种车载支付方法及装置 Download PDF

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Publication number
WO2018090770A1
WO2018090770A1 PCT/CN2017/105901 CN2017105901W WO2018090770A1 WO 2018090770 A1 WO2018090770 A1 WO 2018090770A1 CN 2017105901 W CN2017105901 W CN 2017105901W WO 2018090770 A1 WO2018090770 A1 WO 2018090770A1
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WO
WIPO (PCT)
Prior art keywords
vehicle
driving
attribute data
payment request
risk level
Prior art date
Application number
PCT/CN2017/105901
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English (en)
French (fr)
Inventor
张莉敏
华锦芝
万四爽
余玮琦
刘想
Original Assignee
中国银联股份有限公司
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Publication date
Application filed by 中国银联股份有限公司 filed Critical 中国银联股份有限公司
Priority to US16/461,220 priority Critical patent/US11282085B2/en
Publication of WO2018090770A1 publication Critical patent/WO2018090770A1/zh

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR 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
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR 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
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR 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
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G06Q20/4016—Transaction verification involving fraud or risk level assessment in transaction processing
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR 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; CALCULATING OR 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
    • G06Q20/14—Payment architectures specially adapted for billing systems
    • G06Q20/145—Payments according to the detected use or quantity
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR 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
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3223—Realising banking transactions through M-devices
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR 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
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3224—Transactions dependent on location of M-devices
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR 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
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/405—Establishing or using transaction specific rules
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07C—TIME OR ATTENDANCE REGISTERS; REGISTERING OR INDICATING THE WORKING OF MACHINES; GENERATING RANDOM NUMBERS; VOTING OR LOTTERY APPARATUS; ARRANGEMENTS, SYSTEMS OR APPARATUS FOR CHECKING NOT PROVIDED FOR ELSEWHERE
    • G07C5/00—Registering or indicating the working of vehicles
    • G07C5/02—Registering or indicating driving, working, idle, or waiting time only
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07C—TIME OR ATTENDANCE REGISTERS; REGISTERING OR INDICATING THE WORKING OF MACHINES; GENERATING RANDOM NUMBERS; VOTING OR LOTTERY APPARATUS; ARRANGEMENTS, SYSTEMS OR APPARATUS FOR CHECKING NOT PROVIDED FOR ELSEWHERE
    • G07C5/00—Registering or indicating the working of vehicles
    • G07C5/08—Registering or indicating performance data other than driving, working, idle, or waiting time, with or without registering driving, working, idle or waiting time
    • 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

Definitions

  • the present invention relates to the field of in-vehicle payment security technologies, and in particular, to an in-vehicle payment method and apparatus.
  • Mobile payment also known as mobile payment, is a service that allows users to use their mobile terminals to pay for goods or services they consume.
  • the unit or individual sends the payment instruction directly or indirectly to the banking financial institution through the mobile device, the Internet or proximity sensing to generate the money payment and the fund transfer behavior, thereby realizing the mobile payment function.
  • Mobile payment combines terminal equipment, the Internet, application providers, and financial institutions to provide users with financial services such as money payment and payment.
  • the in-vehicle payment process is usually performed by using a bank card bound to the vehicle owner, and the vehicle can be paid by the vehicle without complicated operations such as a password.
  • the in-vehicle payment is at risk.
  • the invention provides an in-vehicle payment method and device for solving the prior art in the prior art.
  • the vehicle-paid payment process is usually performed by using a bank card bound to the vehicle owner, and the vehicle can be paid without a password.
  • Such complicated operations in the event of an abnormality such as theft of a vehicle, the problem of in-vehicle payment is at risk.
  • an embodiment of the present invention provides an in-vehicle payment method, where the method includes:
  • the vehicle driving strategy is formed according to the driving attribute data in the set time period after the vehicle performs the registration application.
  • the risk level determines whether or not to make a payment, ensuring that even if the vehicle is stolen or the other person uses the vehicle, the trading platform determines whether to make a payment according to the risk level, thereby ensuring the security of the in-vehicle payment.
  • determining the risk level corresponding to the in-vehicle payment request according to the driving attribute data of the current time period and the vehicle driving strategy including:
  • the comparison policy value of the driving attribute data is determined according to the acquired driving attribute data of each current time period, and the risk parameter value is determined according to the comparison policy value, and the in-vehicle payment request is determined according to the risk parameter value.
  • the corresponding risk level that is, using the acquired plurality of driving attribute data to determine the risk level of the in-vehicle payment, and using multi-dimensional attribute data to calculate the risk, etc. Level, which improves the accuracy of calculating risk levels.
  • the method further includes:
  • Obtaining driving attribute data of the current time period of the vehicle including:
  • the driving attribute data reported by the vehicle needs to be saved in the database, and after receiving the in-vehicle payment request, the continuous driving attribute data within the set time period before the in-vehicle payment request is obtained from the database is ensured. Get the accuracy of the attribute data.
  • the method before determining the risk level corresponding to the in-vehicle payment request according to the driving attribute data of the current time period and the vehicle driving strategy, the method further includes:
  • an in-vehicle payment request failure message is transmitted to the vehicle.
  • the in-vehicle payment request failure message is sent to the vehicle, thereby ensuring the safety of the in-vehicle payment. Sex.
  • the method further includes:
  • the risk level corresponding to the in-vehicle payment request is a high-risk level, determining, according to the identification information of the vehicle, identification information of the communication terminal bound by the vehicle, and sending the information to the communication terminal corresponding to the identification information of the communication terminal Pay a security warning message.
  • a warning message is sent to the vehicle user, prompting the user to pay for a security risk.
  • the determining that the vehicle is a registered vehicle includes:
  • the driving attribute data includes any one or combination of the following attributes:
  • Air conditioning usage under different temperature conditions Air conditioning usage under different temperature conditions
  • the risk level of the in-vehicle payment is determined according to the plurality of driving attribute data, and the correctness of the determined risk level is ensured.
  • the present invention also provides an in-vehicle payment device, including:
  • a receiving unit configured to receive an in-vehicle payment request sent by the vehicle, where the in-vehicle payment request includes vehicle identification information;
  • An obtaining unit configured to acquire, according to the vehicle identification information, driving attribute data of a current time period of the vehicle and a vehicle driving strategy of the vehicle after determining that the vehicle is a registered vehicle;
  • a risk level determining unit configured to determine a risk level corresponding to the in-vehicle payment request according to the driving attribute data of the current time period and the vehicle driving strategy
  • a sending unit configured to send the risk level to the trading platform, so that the trading platform determines whether to make a payment according to the risk level
  • the vehicle driving strategy is formed according to the driving attribute data in the set time period after the vehicle performs the registration application.
  • the risk level determines whether or not to make a payment, ensuring that even if the vehicle is stolen or the other person uses the vehicle, the trading platform determines whether to make a payment according to the risk level, thereby ensuring the security of the in-vehicle payment.
  • the risk level determining unit is specifically configured to:
  • the receiving unit is further configured to:
  • the obtaining unit is specifically configured to:
  • the risk level determining unit is specifically configured to:
  • an in-vehicle payment request failure message is transmitted to the vehicle.
  • the risk level determining unit is specifically configured to:
  • the risk level corresponding to the in-vehicle payment request is a high-risk level, determining, according to the identification information of the vehicle, identification information of the communication terminal bound by the vehicle, and sending the information to the communication terminal corresponding to the identification information of the communication terminal Pay a security warning message.
  • the device further includes:
  • a registration unit configured to receive login information sent by the vehicle, where the registration message includes a registration account and a registration password;
  • the driving attribute data includes any one or combination of the following attributes:
  • Air conditioning usage under different temperature conditions Air conditioning usage under different temperature conditions
  • an embodiment of the present invention provides an electronic device, including: a processor, a memory, a transceiver, and a bus interface, wherein a processor, a memory, and a transceiver are connected through a bus interface;
  • the transceiver is configured to receive an in-vehicle payment request sent by a vehicle, where the in-vehicle payment request includes vehicle identification information;
  • the processor is configured to read a program in the memory, and execute the following method: after determining that the vehicle is a registered vehicle, acquiring driving attribute data of a current time period of the vehicle according to the vehicle identification information, and a vehicle driving strategy of the vehicle; determining, according to the driving attribute data of the current time period and the vehicle driving strategy, a risk level corresponding to the in-vehicle payment request; wherein the vehicle driving strategy is to apply for registration in the vehicle After that, it is formed according to the driving attribute data in the set time period;
  • the memory is configured to store one or more executable programs, and may store data used by the processor when performing operations;
  • the transceiver is further configured to send the risk level to a trading platform, so that the trading platform determines whether to make a payment according to the risk level;
  • the bus interface is for providing an interface.
  • an embodiment of the present invention provides a non-transitory computer readable storage medium, where the non-transitory computer readable storage medium stores computer instructions, where the computer instructions are used to cause the computer to execute the first aspect.
  • an embodiment of the present invention provides a computer program product, the computer program product comprising a computing program stored on a non-transitory computer readable storage medium, the computer program comprising program instructions, when the program instruction is The computer, when executed, causes the computer to perform the in-vehicle payment method of any of the above-described first aspects.
  • the trading platform determines whether to make a payment according to the risk level, and ensures the security of the in-vehicle payment.
  • FIG. 1 is a schematic flowchart of an in-vehicle payment method according to an embodiment of the present invention
  • FIG. 2 is a schematic diagram of interaction between a vehicle and a trading platform according to an embodiment of the present invention
  • FIG. 3 is a schematic flowchart of an in-vehicle payment method according to an embodiment of the present disclosure
  • FIG. 4 is a schematic structural diagram of an in-vehicle payment device according to an embodiment of the present invention.
  • FIG. 5 is a schematic structural diagram of an electronic device according to an embodiment of the present invention.
  • the invention provides an in-vehicle payment method. As shown in FIG. 1 , the method includes:
  • Step 101 Receive an in-vehicle payment request sent by a vehicle, where the in-vehicle payment request includes vehicle identification information.
  • Step 102 After determining that the vehicle is a registered vehicle, acquiring driving attribute data of the current time period of the vehicle and a vehicle driving strategy of the vehicle, according to the vehicle identification information;
  • Step 103 Determine, according to the driving attribute data of the current time period and the driving strategy of the vehicle, a risk level corresponding to the in-vehicle payment request;
  • Step 104 Send the risk level to the trading platform, so that the trading platform determines whether to make a payment according to the risk level;
  • the vehicle driving strategy is formed according to the driving attribute data in the set time period after the vehicle performs the registration application.
  • the in-vehicle payment is performed between the vehicle and the transaction platform.
  • the in-vehicle payment request is also required before the in-vehicle payment request is sent to the transaction platform. The risk level is assessed.
  • the transaction platform may refer to a platform for conducting financial transactions with a bank.
  • the transaction platform may refer to a UnionPay transaction platform.
  • the main device that executes the embodiment of the present invention may be either a hardware device or a software module device, and may be placed in the link between the vehicle and the transaction platform as shown in FIG. 2, or may be placed in a transaction.
  • the platforms may be either a hardware device or a software module device, and may be placed in the link between the vehicle and the transaction platform as shown in FIG. 2, or may be placed in a transaction.
  • step 101 after the vehicle needs to perform in-vehicle payment, the vehicle sends an in-vehicle payment request, and the in-vehicle payment request includes identification information of the vehicle.
  • the vehicle identification information refers to a unique ID number that can identify the vehicle.
  • the vehicle identification information may be an engine number or license plate information of the vehicle.
  • the in-vehicle payment request sent by the receiving vehicle further includes identifier information of the transaction platform corresponding to the in-vehicle payment request, so as to ensure that the in-vehicle payment request is determined to be corresponding. After the risk level, it is sent to the corresponding trading platform.
  • Step 102 After receiving the in-vehicle payment request sent by the vehicle, it is also necessary to determine whether the vehicle is a registered vehicle.
  • the recorded vehicle A traveling property needs to be recorded, that is, the driving property of the vehicle owner A driving the vehicle A is determined. Since the driver of the vehicle A is a multi-person, in order to ensure the safety of the on-board payment, it is first determined whether the vehicle is a registered vehicle.
  • the vehicle after each startup, the vehicle needs to send a registration message to register to ensure the security of the in-vehicle payment.
  • the registration message may be an account password message, that is, a registration message sent by the receiving vehicle, the registration message includes a registered account and a registration password, and the corresponding comparison password is determined according to the registered account, and if the registration password is determined and compared If the password is consistent, then the vehicle is determined to be a registered vehicle.
  • the registered information sent by the received vehicle includes the registered account of the user and the registered fingerprint information, and the corresponding pre-stored matching fingerprint information is determined according to the registered account, and the comparison fingerprint information may be in the user.
  • the initialization travel is obtained, when it is determined that the comparison fingerprint information is consistent with the registered fingerprint information, it is determined that the vehicle is a registered vehicle.
  • the vehicle when the vehicle is stolen or driven by a person other than the vehicle owner, when it is determined that the vehicle is an unregistered vehicle according to the registration information, it is determined that the in-vehicle payment cannot be performed.
  • step 102 acquiring the driving attribute data of the current time period of the vehicle refers to the driving attribute data within a preset time period before receiving the in-vehicle payment request sent by the vehicle, and the preset time period may be determined according to the configuration information of the vehicle owner.
  • the preset time period is 20 minutes, that is, the driving attribute data of the vehicle within 20 minutes before receiving the in-vehicle payment request.
  • the vehicle driving strategy is formed according to the driving attribute data in the set time period after the vehicle performs the registration application, and the set time period can be determined according to the configuration information of the vehicle owner.
  • the vehicle driving strategy indicates the driving habits of the vehicle owner, such as the speed of driving in different road conditions, the number of times the vehicle air conditioner is used at different temperatures, and the like.
  • the driving attribute data when the vehicle is running, the driving attribute data during running of the vehicle is reported.
  • the driving attribute data includes any one or combination of the following attributes:
  • Air conditioning usage under different temperature conditions Air conditioning usage under different temperature conditions
  • the vehicle acquires the traveling speed of the vehicle under road conditions such as congestion and unblocking.
  • Traffic information such as congestion and unblocked traffic can be obtained through real-time detection system of road segment information in the Internet.
  • the user may control the time period of the driving attribute data collection, that is, the user may trigger the driving attribute data collection at the time of starting to drive the vehicle, and after the user determines that the driving attribute data is no longer recorded. , stop collecting driving attribute data.
  • the vehicle may report the driving attribute data in real time, or periodically report the driving attribute data.
  • the driving attribute data includes time information of each driving attribute data.
  • the reported air conditioner usage includes the time when the air conditioner is used, that is, the time when the air conditioner is used is the time node 1, the time node 2, and the time node 3.
  • the weather information on the Internet the weather information corresponding to the time node 1, the time node 2, and the time node 3 is found, that is, the usage of the user air conditioner is determined.
  • step 103 based on the acquired driving attribute data and the vehicle driving strategy formed within the set time period, the risk level corresponding to the in-vehicle payment request can be determined.
  • the driving attribute data belongs to a driving strategy commonly used by the vehicle owner in the driving strategy of the vehicle, determining that the risk level corresponding to the in-vehicle payment request is low; if the driving attribute data belongs to a driving strategy that is not commonly used by the vehicle owner in the driving strategy of the vehicle, It is determined that the risk level corresponding to the in-vehicle payment request is high.
  • the driving attribute data of the current time period and the Determining a risk level corresponding to the in-vehicle payment request including:
  • the driving attribute data is the driving speed of the vehicle under different road conditions, and the number of times the air conditioner is used at different temperatures, firstly, according to the traveling speed of the vehicle under different road conditions, the strategy of finding the traveling speed of the vehicle under different road conditions is found in the driving strategy, and The comparison strategy value corresponding to the attribute information is determined.
  • the corresponding comparison strategy value can be found in the vehicle policy in each of the acquired different road conditions.
  • the risk parameter value of the in-vehicle payment request may be determined according to each comparison policy value.
  • the risk parameter value may be determined by adding each comparison policy value, or may be set differently by the importance of different driving attribute data.
  • the weight value is calculated by using the weight calculation to determine the risk parameter value of the in-vehicle payment request.
  • the determined risk parameter value is greater than the set high risk threshold, determining that the risk level of the in-vehicle payment request is a high risk level; if the determined risk parameter value is less than the set low risk threshold, determining the risk level of the in-vehicle payment request For low risk levels.
  • step 104 when the risk level of the in-vehicle payment request is determined, the risk level is transmitted to the trading platform, and the trading platform determines whether the in-vehicle payment request is passed according to the risk level.
  • the collected driving attribute data collected within 20 days is acquired.
  • the road condition of the road section corresponding to the different time information is obtained from the Internet, and the traveling speed of the owner in different road conditions can be determined.
  • the road condition is congested road condition
  • 80% of the obtained vehicle speed data is between 20km/h and 40km/h
  • 75% of the acquired vehicle speed data is obtained.
  • the speed is between 60km/h and 75km/h. Then, it is possible to determine the driving strategy of the vehicle speed under the two road conditions.
  • different driving speed ranges are set in the driving strategy of the driving speed of the household, and there is a comparison strategy value for each driving speed range, for example, when the road condition is a congested road condition.
  • a comparison strategy value for each driving speed range, for example, when the road condition is a congested road condition.
  • different vehicle travel speed ranges correspond to different comparison strategy values.
  • Table 1 Different vehicle travel speed ranges correspond to different comparison strategy value tables
  • the traveling speed under different road conditions in 20 days is counted, and the distribution of the vehicle speeds satisfies a normal distribution, and a confidence interval is set, and the comparison strategy value of the traveling speed set in the confidence interval is a value.
  • the comparison strategy of the traveling speed outside the confidence interval is the b value.
  • the vehicle driving strategy corresponding to each attribute data can be determined by the reported vehicle driving attribute data, and the vehicle driving strategy corresponding to all the attribute data is referred to as a vehicle driving strategy.
  • the driving attribute data of the current time period is acquired, and for each driving attribute data, the driving strategy corresponding to the driving attribute data is first determined, and the comparison strategy value in the corresponding driving strategy of the vehicle is determined, according to The comparison strategy value determines the risk parameter value.
  • the vehicle payment request failure message is sent to the vehicle, and other payment methods may be selected for payment.
  • the set duration is 10 minutes, that is, the travel attribute data of the 10-minute duration is required to be continuously collected, but after the received in-vehicle payment request, the acquired travel attribute data is the data continuously collected for 5 minutes. , you cannot use the driving data for risk calculation.
  • the N driving attribute data acquired there are M in-vehicle driving strategies, where M is greater than or equal to N.
  • the set durations specified by the M vehicle driving strategies may be different, that is, the N driving attribute data has continuous driving attribute data within the set time period, and the driving attribute data within the set time period is not satisfied, and the selection meets the setting.
  • the continuous driving attribute data within the duration determines the comparison strategy value.
  • step 104 when it is determined that the risk level corresponding to the in-vehicle payment request is a high-risk level, the identification information of the communication terminal bound by the vehicle is determined according to the identification information of the vehicle, and the payment security warning is sent to the communication terminal corresponding to the identification information of the communication terminal. Message.
  • the identification information of a vehicle is bound to the communication terminal corresponding to the vehicle identifier.
  • the vehicle license plate is XA64IP8, and the contact mode of the vehicle owner of the vehicle license plate is T, and the binding of the vehicle license plate and the T is tied. The relationship is sent to the T to send a payment security warning message when it is determined that the vehicle payment has a high risk level.
  • the present invention provides an in-vehicle payment method.
  • the vehicle driving strategy includes five different driving attribute information corresponding to driving.
  • the strategy, the obtained five driving attribute data are all continuous driving attribute data within the set time period, and the current time period is 20 minutes before the in-vehicle payment request is obtained, as follows:
  • Step 301 receiving an in-vehicle payment request, determining vehicle identification information M in the in-vehicle payment request;
  • Step 302 determining whether the vehicle whose vehicle identification information is M is a registered vehicle according to the vehicle identification information M; if it is already registered, executing step 303; otherwise, performing step 304;
  • Step 303 Acquire five driving attribute data corresponding to the vehicle identification information M within 20 minutes of receiving the in-vehicle payment request, and the five driving attribute data are respectively represented by X1, X2, X3, X4, and X5. Show, execute step 305;
  • Step 304 Send a payment request failure message to the vehicle
  • Step 305 Acquire a vehicle driving strategy corresponding to the vehicle identification information M, where the vehicle driving strategy includes a driving strategy corresponding to the five driving attribute data;
  • Step 306 determining X1, X2, X3, X4, X5 comparison strategy values a1, a2, a3, a4 and a5 in the corresponding vehicle driving strategy;
  • Step 307 adding a1, a2, a3, a4 and a5 to determine a risk parameter value of w;
  • Step 308 determining a risk level of w; if it is determined whether the value of w is greater than a high risk level threshold, determining that the in-vehicle payment request is a high risk level; if determining that the value of w is less than the low risk level threshold, determining that the in-vehicle payment request is a low risk grade;
  • Step 309 Send the determined risk level corresponding to the in-vehicle payment request to the transaction platform.
  • an embodiment of the present invention further provides an in-vehicle payment device, as shown in FIG. 4, including:
  • the receiving unit 401 is configured to receive an in-vehicle payment request sent by the vehicle, where the in-vehicle payment request includes vehicle identification information;
  • the obtaining unit 402 is configured to acquire, according to the vehicle identification information, driving attribute data of a current time period of the vehicle and a vehicle driving strategy of the vehicle after determining that the vehicle is a registered vehicle;
  • a risk level determining unit 403 configured to determine a risk level corresponding to the in-vehicle payment request according to the driving attribute data of the current time period and the vehicle driving strategy;
  • the sending unit 404 is configured to send the risk level to the trading platform, so that the trading platform determines whether to perform payment according to the risk level;
  • the vehicle driving strategy is formed according to the driving attribute data in the set time period after the vehicle performs the registration application.
  • the risk level determining unit 403 is specifically configured to:
  • the receiving unit 401 is further configured to:
  • the obtaining unit 402 is specifically configured to:
  • the risk level determining unit 403 is specifically configured to:
  • an in-vehicle payment request failure message is transmitted to the vehicle.
  • the risk level determining unit 403 is specifically configured to:
  • the risk level corresponding to the in-vehicle payment request is a high-risk level, determining, according to the identification information of the vehicle, identification information of the communication terminal bound by the vehicle, and sending the information to the communication terminal corresponding to the identification information of the communication terminal Pay a security warning message.
  • the device further includes:
  • the registration unit 405 is configured to receive login information sent by the vehicle, where the registration message includes a registration account and a registration password;
  • the driving attribute data includes any one or combination of the following attributes:
  • Air conditioning usage under different temperature conditions Air conditioning usage under different temperature conditions
  • the present invention further provides an electronic device, as shown in FIG. 5, including a processor 501, a memory 502, a transceiver 503, and a bus interface 504, wherein the processor 501, the memory 502, and the transceiver 503 pass Bus interface 504 is connected;
  • the transceiver 503 is configured to receive an in-vehicle payment request sent by the vehicle, where the in-vehicle payment request includes vehicle identification information;
  • the processor 501 is configured to read a program in the memory, and execute the following method: acquiring, according to the vehicle identification information, driving attribute data of a current time period of the vehicle after determining that the vehicle is a registered vehicle And a vehicle driving strategy of the vehicle; determining, according to the driving attribute data of the current time period and the vehicle driving strategy, a risk level corresponding to the in-vehicle payment request; wherein the vehicle driving strategy is to register at the vehicle After the application, it is formed according to the driving attribute data within the set time period;
  • the memory 502 is configured to store one or more executable programs, and may store data used by the processor when performing operations;
  • the transceiver 503 is further configured to send the risk level to the transaction platform, so that the transaction platform determines whether to make a payment according to the risk level;
  • the bus interface 504 is configured to provide an interface.
  • the processor 501 determines that the risk level corresponding to the in-vehicle payment request is specifically used according to the driving attribute data of the current time period and the vehicle driving strategy:
  • processor 501 is further configured to:
  • the processor 501 is further configured to: before determining the risk level corresponding to the in-vehicle payment request according to the driving attribute data of the current time period and the vehicle driving strategy:
  • an in-vehicle payment request failure message is transmitted to the vehicle.
  • the processor 501 determines, according to the driving attribute data of the current time period and the driving strategy of the vehicle, the risk level corresponding to the in-vehicle payment request, and is further used to:
  • the risk level corresponding to the in-vehicle payment request is a high-risk level, determining, according to the identification information of the vehicle, identification information of the communication terminal bound by the vehicle, and identifying, by the transceiver 503, the identifier of the communication terminal.
  • the communication terminal corresponding to the information sends a payment security warning message.
  • the processor 501 determines that the vehicle is a registered vehicle, specifically for:
  • the driving attribute data includes any one or combination of the following attributes:
  • Air conditioning usage under different temperature conditions Air conditioning usage under different temperature conditions
  • Embodiments of the present application provide a non-transitory computer readable storage medium storing computer instructions for causing the computer to execute any one of the in-vehicle payment methods.
  • Embodiments of the present application provide a computer program product, including a computing program stored on a non-transitory computer readable storage medium, the computer program including program instructions, when the program instructions are executed by a computer And causing the computer to execute any of the above-described in-vehicle payment methods.
  • embodiments of the present invention can be provided as a method, system, or computer program product. Accordingly, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment, or a combination of software and hardware. Moreover, the invention can take the form of a computer program product embodied on one or more computer-usable storage media (including but not limited to disk storage, CD-ROM, optical storage, etc.) including computer usable program code.
  • computer-usable storage media including but not limited to disk storage, CD-ROM, optical storage, etc.
  • the present invention has been described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (system), and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flowchart illustrations and/or FIG.
  • the computer program instructions can be provided to a general purpose computer, a special purpose computer, an embedded processor, or a processor of other programmable data processing device such that instructions executed by a processor of the computer or other programmable data processing device can be implemented in a flowchart
  • the computer program instructions can also be stored in a computer readable memory that can direct a computer or other programmable data processing device to operate in a particular manner, such that the instructions stored in the computer readable memory produce an article of manufacture comprising the instruction device.
  • the apparatus implements the functions specified in one or more blocks of a flow or a flow and/or block diagram of the flowchart.
  • These computer program instructions can also be loaded onto a computer or other programmable data processing device such that a series of operational steps are performed on a computer or other programmable device to produce computer-implemented processing for execution on a computer or other programmable device.
  • the instructions provide steps for implementing the functions specified in one or more blocks of a flow or a flow and/or block diagram of the flowchart.

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Abstract

本发明公开了一种车载支付方法及装置，涉及车载安全支付技术领域，方法包括：接收车辆发送的车载支付请求，车载支付请求中包括车辆标识信息；根据车辆标识信息，在确定车辆为已注册的车辆后，获取车辆当前时段的行驶属性数据以及车辆的车辆行驶策略；根据当前时段的行驶属性数据以及车辆行驶策略，确定车载支付请求对应的风险等级；将风险等级发送给交易平台，以使交易平台根据风险等级确定是否进行支付；其中，车辆行驶策略是在车辆进行注册申请后，根据设定时间段内的行驶属性数据形成的。本发明实施例中，保证了即使车辆被盗或者他人使用车辆时，交易平台根据风险等级确定是否进行支付，保证了车载支付的安全性。

Description

一种车载支付方法及装置
本申请要求在2016年11月15日提交中国专利局、申请号为201611005723.6、发明名称为“一种车载支付方法及装置”的中国专利申请的优先权，其全部内容通过引用结合在本申请中。
技术领域
本发明涉及车载支付安全技术领域，尤其涉及一种车载支付方法及装置。
背景技术
移动支付也称为手机支付，就是允许用户使用其移动终端对所消费的商品或服务进行账务支付的一种服务方式。单位或个人通过移动设备、互联网或者近距离传感直接或间接向银行金融机构发送支付指令产生货币支付与资金转移行为，从而实现移动支付功能。移动支付将终端设备、互联网、应用提供商以及金融机构相融合，为用户提供货币支付、缴费等金融业务。
目前如今支付的竞争核心已转移为场景竞争，近年来，国内汽车市场不断增大，随着智能汽车不断普及，汽车作为一种支付终端展现出了巨大的市场潜力，而且范围日益扩大。
但是现有技术中，车载支付过的程通常是使用和车辆车主绑定的银行卡进行支付，凭借车辆就可以支付，无需密码等复杂操作，一旦发生车辆被盗等异常，车载支付面临风险。
发明内容
本发明提供一种车载支付方法及装置，用于解决现有技术中现有技术中，车载支付过的程通常是使用和车辆车主绑定的银行卡进行支付，凭借车辆就可以支付，无需密码等复杂操作，一旦发生车辆被盗等异常，车载支付面临风险的问题。
第一方面，本发明实施例提供一种车载支付方法，所述方法包括：
接收车辆发送的车载支付请求，所述车载支付请求中包括车辆标识信息；
根据所述车辆标识信息，在确定所述车辆为已注册的车辆后，获取所述车辆当前时段的行驶属性数据以及所述车辆的车辆行驶策略；
根据所述当前时段的行驶属性数据以及所述车辆行驶策略，确定所述车载支付请求对应的风险等级；
将所述风险等级发送给交易平台，以使交易平台根据所述风险等级确定是否进行支付；
其中，所述车辆行驶策略是在所述车辆进行注册申请后，根据设定时间段内的行驶属性数据形成的。
本发明实施例中，根据所述当前时段的行驶属性数据以及所述车辆行驶策略，确定所述车载支付请求对应的风险等级，并将所述风险等级发送给交易平台，以使交易平台根据所述风险等级确定是否进行支付，保证了即使车辆被盗或者他人使用车辆时，交易平台根据所述风险等级确定是否进行支付，保证了车载支付的安全性。
进一步地，所述根据所述当前时段的行驶属性数据以及所述车辆行驶策略，确定所述车载支付请求对应的风险等级，包括：
针对每一个行驶属性，在所述车辆行驶策略中查找与所述行驶属性对应的比对策略值；
根据每一个行驶属性数据对应的比对策略值确定所述车载支付请求的风险参数值；
根据所述车载支付请求的风险参数值确定所述车载支付请求对应的风险等级。
本发明实施例中，根据获取到的每一个当前时段的行驶属性数据，确定行驶属性数据的比对策略值，并根据比对策略值确定风险参数值，根据风险参数值确定所述车载支付请求对应的风险等级，也就是说，利用获取的多个行驶属性数据确定车载支付的风险等级，利用多维度的属性数据计算风险等 级，提高了计算风险等级的准确性。
进一步地，所述方法还包括：
接收所述车辆上报的行驶属性数据并保存到数据库中；
获取所述车辆当前时段的行驶属性数据，包括：
从所述数据库中获取所述车载支付请求之前的设定时长内的连续的行驶属性数据。
本发明实施例中，需要将车辆上报的行驶属性数据保存在数据库中，并且在接收到车载支付请求后，从数据库中获取车载支付请求之前的设定时长内的连续的行驶属性数据，保证了获取的属性数据的准确性。
进一步地，所述根据所述当前时段的行驶属性数据以及所述车辆行驶策略，确定所述车载支付请求对应的风险等级前，还包括：
若从所述数据库中无法获取满足所述设定时长内的连续的行驶属性数据，则向所述车辆发送车载支付请求不通过消息。
本发明实施例中，若确定无法获取满足所述设定时长内的连续的行驶属性数据，即认为不能通过本次车载支付，则向车辆发送车载支付请求不通过消息，保证了车载支付的安全性。
进一步地，所述根据所述当前时段的行驶属性数据以及所述车辆行驶策略，确定所述车载支付请求对应的风险等级后，还包括：
若确定所述车载支付请求对应的风险等级为高风险等级时，根据所述车辆的标识信息确定所述车辆绑定的通讯终端的标识信息，向所述通讯终端的标识信息对应的通讯终端发送支付安全警告消息。
本发明实施例中，当确定所述车载支付请求对应的风险等级为高风险等级时，向车辆用户发送警告消息，提示用户支付存在安全隐患。
进一步地，所述确定所述车辆为已注册的车辆，包括：
接收所述车辆发送的登录信息，所述注册消息包括注册账号及注册密码；
根据所述注册账号查找与所述注册账号对应的比对密码；
当确定所述比对密码与所述注册密码一致时，则确定所述车辆为已注册 车辆。
本发明实施例中，为了确定本次车载支付之前的当前时间段采集的正确用户的车辆行驶属性数据，还需要验证车辆是否为已注册车辆。
进一步地，所述行驶属性数据包括下列属性中的任意一个或者组合：
不同路况状态下的行驶车速；
不同温度状态下的空调使用情况；
收音机的使用时间；
行驶区域；
行驶时间。
本发明实施例中，根据多种行驶属性数据来确定车载支付的风险等级，保证了确定的风险等级的正确性。
第二方面，本发明还提供一种车载支付装置，包括：
接收单元，用于接收车辆发送的车载支付请求，所述车载支付请求中包括车辆标识信息；
获取单元，用于根据所述车辆标识信息，在确定所述车辆为已注册的车辆后，获取所述车辆当前时段的行驶属性数据以及所述车辆的车辆行驶策略；
风险等级确定单元，用于根据所述当前时段的行驶属性数据以及所述车辆行驶策略，确定所述车载支付请求对应的风险等级；
发送单元，用于将所述风险等级发送给交易平台，以使交易平台根据所述风险等级确定是否进行支付；
其中，所述车辆行驶策略是在所述车辆进行注册申请后，根据设定时间段内的行驶属性数据形成的。
本发明实施例中，根据所述当前时段的行驶属性数据以及所述车辆行驶策略，确定所述车载支付请求对应的风险等级，并将所述风险等级发送给交易平台，以使交易平台根据所述风险等级确定是否进行支付，保证了即使车辆被盗或者他人使用车辆时，交易平台根据所述风险等级确定是否进行支付，保证了车载支付的安全性。
进一步地，所述风险等级确定单元，具体用于：
针对每一个行驶属性，在所述车辆行驶策略中查找与所述行驶属性对应的比对策略值；
根据每一个行驶属性数据对应的比对策略值确定所述车载支付请求的风险参数值；
根据所述车载支付请求的风险参数值确定所述车载支付请求对应的风险等级。
进一步地，所述接收单元还用于：
接收所述车辆上报的行驶属性数据并保存到数据库中；
所述获取单元，具体用于：
从所述数据库中获取所述车载支付请求之前的设定时长内的连续的行驶属性数据。
进一步地，所述风险等级确定单元，具体用于：
若从所述数据库中无法获取满足所述设定时长内的连续的行驶属性数据，则向所述车辆发送车载支付请求不通过消息。
进一步地，所述风险等级确定单元，具体用于：
若确定所述车载支付请求对应的风险等级为高风险等级时，根据所述车辆的标识信息确定所述车辆绑定的通讯终端的标识信息，向所述通讯终端的标识信息对应的通讯终端发送支付安全警告消息。
进一步地，所述装置还包括：
注册单元，用于接收所述车辆发送的登录信息，所述注册消息包括注册账号及注册密码；
根据所述注册账号查找与所述注册账号对应的比对密码；
当确定所述比对密码与所述注册密码一致时，则确定所述车辆为已注册车辆。
进一步地，所述行驶属性数据包括下列属性中的任意一个或者组合：
不同路况状态下的行驶车速；
不同温度状态下的空调使用情况；
收音机的使用时间；
行驶区域；
行驶时间。
第三方面，本发明实施例提供一种电子设备，包括：处理器、存储器、收发机、总线接口，其中处理器、存储器与收发机之间通过总线接口连接；
所述收发机，用于接收车辆发送的车载支付请求，所述车载支付请求中包括车辆标识信息；
所述处理器，用于读取所述存储器中的程序，执行下列方法：根据所述车辆标识信息，在确定所述车辆为已注册的车辆后，获取所述车辆当前时段的行驶属性数据以及所述车辆的车辆行驶策略；根据所述当前时段的行驶属性数据以及所述车辆行驶策略，确定所述车载支付请求对应的风险等级；其中，所述车辆行驶策略是在所述车辆进行注册申请后，根据设定时间段内的行驶属性数据形成的；
所述存储器，用于存储一个或多个可执行程序，可以存储所述处理器在执行操作时所使用的数据；
所述收发机还用于将所述风险等级发送给交易平台，以使交易平台根据所述风险等级确定是否进行支付；
所述总线接口，用于提供接口。
第四方面，本发明实施例提供一种非暂态计算机可读存储介质，所述非暂态计算机可读存储介质存储计算机指令，所述计算机指令用于使所述计算机执行上述第一方面中任一实施例所述车载支付方法。
第五方面，本发明实施例提供一种计算机程序产品，所述计算机程序产品包括存储在非暂态计算机可读存储介质上的计算程序，所述计算机程序包括程序指令，当所述程序指令被计算机执行时，使所述计算机执行上述第一方面中任一实施例所述车载支付方法。
本发明实施例中，根据所述当前时段的行驶属性数据以及所述车辆行驶 策略，确定所述车载支付请求对应的风险等级，并将所述风险等级发送给交易平台，以使交易平台根据所述风险等级确定是否进行支付，保证了即使车辆被盗或者他人使用车辆时，交易平台根据所述风险等级确定是否进行支付，保证了车载支付的安全性。
附图说明
为了更清楚地说明本发明实施例中的技术方案，下面将对实施例描述中所需要使用的附图作简要介绍，显而易见地，下面描述中的附图仅仅是本发明的一些实施例，对于本领域的普通技术人员来讲，在不付出创造性劳动性的前提下，还可以根据这些附图获得其他的附图。
图1为本发明实施例提供的一种车载支付方法流程示意图；
图2为本发明实施例提供的车辆与交易平台之间的交互示意图；
图3为本发明实施例提供的一种车载支付方法流程示意图；
图4为本发明实施例提供的一种车载支付装置的结构示意图；
图5为本发明实施例提供的一种电子设备的结构示意图。
具体实施方式
为了使本发明的目的、技术方案和优点更加清楚，下面将结合附图对本发明作进一步地详细描述，显然，所描述的实施例仅仅是本发明一部份实施例，而不是全部的实施例。基于本发明中的实施例，本领域普通技术人员在没有做出创造性劳动前提下所获得的所有其它实施例，都属于本发明保护的范围。
本发明提供一种车载支付方法，如图1所示，所述方法包括：
步骤101，接收车辆发送的车载支付请求，所述车载支付请求中包括车辆标识信息；
步骤102，根据所述车辆标识信息，在确定所述车辆为已注册的车辆后，获取所述车辆当前时段的行驶属性数据以及所述车辆的车辆行驶策略；
步骤103，根据所述当前时段的行驶属性数据以及所述车辆行驶策略，确定所述车载支付请求对应的风险等级；
步骤104，将所述风险等级发送给交易平台，以使交易平台根据所述风险等级确定是否进行支付；
其中，所述车辆行驶策略是在所述车辆进行注册申请后，根据设定时间段内的行驶属性数据形成的。
本发明实施例中，如图2所示，车载支付是车辆与交易平台之间进行的，为了保证交易平台交易的安全性，所以在车载支付请求发送到交易平台之前，还需要对车载支付请求的风险等级进行评估。
在本发明实施例中，交易平台可以指的是与银行进行金融交易的平台，可选的，在本发明实施例中，交易平台可以指的是银联交易平台。
本发明实施例中，执行本发明实施例的主体装置既可以是硬件装置，也可以是软件模块装置，既可以是放置在如图2中车辆与交易平台链路之中，也可以放置在交易平台之中。
在步骤101中，车辆在需要进行车载支付后，发送车载支付请求，车载支付请求中包括车辆的标识信息。在本发明实施例中，车辆标识信息指的是可以标识车辆的唯一ID号码，可选的，车辆标识信息可以为车辆的发动机号或者车牌信息。
可选的，在本发明实施例中，若交易平台有多个，则在接收车辆发送的车载支付请求中还包括车载支付请求对应的交易平台的标识信息，以保证在确定了车载支付请求对应的风险等级后，发送给相应的交易平台。
步骤102，在接收到车辆发送的车载支付请求后，还需要确定车辆是否为已注册的车辆。
在本发明实施例中，若车辆A的车主用户为a，则需要记录的车辆A行驶属性，即确定的是车主用户a驾驶车辆A的行驶属性。由于车辆A的驾驶者为多人，所以为了保证车载支付的安全性，首先确定车辆是否为已注册车辆。
可选的，在本发明实施例中，车辆在每次启动后，都需要发送注册消息进行注册，保证车载支付的安全。
在本发明实施例中，注册消息可以是账号密码消息，即接收车辆发送的注册消息，注册消息中包括注册账号以及注册密码，根据注册账号确定对应的比对密码，若确定注册密码与比对密码一致时在，则确定车辆为已注册车辆。
可选的，在本发明实施例中，接收到的车辆发送的注册信息中包括用户的注册账号以及注册指纹信息，根据注册账号确定对应的预存的比对指纹信息，比对指纹信息可以在用户初始化行驶时获取的，当确定比对指纹信息与注册指纹信息一致时，则确定车辆为已注册车辆。
可选的，在本发明实施例中，当车辆出现被盗或者除车辆车主以外的人驾驶时，当根据注册信息确定车辆为未注册车辆时，则确定不能进行车载支付。
在步骤102中，获取车辆当前时段的行驶属性数据指的是在接收到车辆发送的车载支付请求前的预设时间段内的行驶属性数据，预设时间段可以根据车辆车主的配置信息来确定，例如，在本发明实施例中，预设时间段为20分钟，即获取车辆在接收到车载支付请求前的20分钟内的行驶属性数据。
在本发明实施例中，还需要根据车辆标识信息获取预存在数据库中的车辆的车辆行驶策略。车辆行驶策略是在车辆进行注册申请后，根据设定时间段内的行驶属性数据形成的，设定时间段可以根据车辆车主的配置信息来确定。车辆行驶策略表示了车辆的车主的行车习惯，例如在不同路况中驾驶的速度，在不同温度下使用车载空调的次数等等。
在本发明实施例中，车辆在行驶时，会上报车辆行驶中的行驶属性数据。可选的，在本发明实施例中，行驶属性数据包括下列属性中的任意一个或者组合：
不同路况状态下的行驶车速；
不同温度状态下的空调使用情况；
收音机的使用时间；
行驶区域；
行驶时间。
例如，在本发明实施例中，车辆获取在拥堵、畅通等路况下，车辆的行驶车速。拥堵与畅通等路况信息可以通过互联网中路段信息的实时检测系统中获取。
当然，在本发明实施例中，除了上述行驶属性数据，还包括有关车辆行驶中的所有属性数据，在此不做赘述。
由于需要将设定时间内的车辆行驶属性数据确定车辆行驶策略，若在车辆行驶属性的采集过程中，更换了驾驶人员，则确定的车辆行驶策略是不准确的。
所以在本申请实施例中，可选的，用户可以控制行驶属性数据采集的时间段，即用户可以在开始驾驶车辆的时刻，触发行驶属性数据采集，并在用户确定不再记录行驶属性数据后，停止采集行驶属性数据。
本发明实施例中，车辆可以实时的将行驶属性数据上报，也可以周期性的上报行驶属性数据。可选的，行驶属性数据中包括每一个行驶属性数据的时间信息。例如，上报的空调使用情况中包括使用空调的时间，即使用空调的时间为时间节点1、时间节点2以及时间节点3。根据互联网上的天气信息，查找到时间节点1、时间节点2以及时间节点3对应的天气信息，即确定了用户空调的使用情况。
在步骤103中，根据获取的行驶属性数据以及根据设定时间段内形成的车辆行驶策略，能够确定车载支付请求对应的风险等级。
在本发明实施例中，若行驶属性数据属于车辆行驶策略中车主常用的行驶策略，则确定车载支付请求对应的风险等级低；若行驶属性数据属于车辆行驶策略中车主不常用的行驶策略，则确定车载支付请求对应的风险等级较高。
可选的，在本发明实施例中，根据所述当前时段的行驶属性数据以及所 述车辆行驶策略，确定所述车载支付请求对应的风险等级，包括：
针对每一个行驶属性，在所述车辆行驶策略中查找与所述行驶属性对应的比对策略值；
根据每一个行驶属性数据对应的比对策略值确定所述车载支付请求的风险参数值；
根据所述车载支付请求的风险参数值确定所述车载支付请求对应的风险等级。
例如，行驶属性数据为不同路况下车辆的行驶速度，不同温度下使用空调的次数，则首先根据行不同路况下车辆的行驶速度在行驶策略中找到属于不同路况下车辆的行驶速度的策略，并确定上报的属性信息对应的比对策略值，在本发明实施例中，每个获取的不同路况下车辆的行驶速度在车辆策略中都能查找到对应的比对策略值。
根据每个比对策略值可以确定车载支付请求的风险参数值，可选的，可以通过每个比对策略值的相加确定风险参数值，也可以通过不同行驶属性数据的重要性，设置不同的权重值，利用权重计算确定车载支付请求的风险参数值。
若确定的风险参数值大于设定的高危阈值时，则确定车载支付请求的风险等级为高风险等级；若确定的风险参数值小于设定的低危阈值时，则确定车载支付请求的风险等级为低风险等级。
在步骤104中，当确定了车载支付请求的风险等级，将风险等级发送给交易平台，交易平台根据风险等级确定是否车载支付请求是否通过。
可选的，在本发明实施例中，为了便于本领域技术人员的理解根据上述行驶属性数据确定车辆行驶策略的过程，在此举例说明：
在本发明实施例中，用户选择采集行驶属性数据时间为20天，则获取了20天内的采集的上述行驶属性数据。
首先根据上报的车辆行驶车速中包括的时间信息，从互联网中获取不同时间信息对应的路段的路况，能够确定在不同路况下，车主的行驶速度。
例如，当路况为拥堵路况时，获取的车辆行驶车速数据中有80％的车速在20km/h～40km/h之间；当路况为畅通路况时，获取的车辆行驶车速数据中有75％的车速在60km/h～75km/h之间。则可以确定两种路况下，用户行驶的车速的行驶策略。
可选的，在本发明实施例中，在户行驶的车速的行驶策略中，设置不同的行驶速度范围，并针对每一个行驶速度范围有一个比对策略值，例如，在路况为拥堵路况时，如表1所示，不同的车辆行驶速度范围对应不同的比对策略值。
行驶速度范围比对策略值
小于等于20km/h 0.15
20km/h～40km/h 0.65
40km/h～60km/h 0.1
60km/h～80km/h 0.08
大于等于80km/h 0.02
表1：不同的车辆行驶速度范围对应不同的比对策略值表
可选的，在本发明实施例中，统计20天内不同路况下的行驶车速，这些车速的分布满足正态分布，设立置信区间，设置在置信区间内的行驶车速的比对策略值为a值，在置信区间外的行驶车速的比对策略为b值。
当然，在本发明实施例中，还有其它确定比对策略值的方法，在此不做赘述。
对于其它的行驶策略的形成与上述方法相似，在此不做赘述。也就是说，通过上报的车辆行驶属性数据，能够确定每一个属性数据对应的车辆行驶策略，综合所有的属性数据对应的车辆行驶策略称为车辆行驶策略。在需要进行车载支付时，获取当前时间段的行驶属性数据，针对每一个行驶属性数据，首先确定行驶属性数据对应的车辆行驶策略，并确定在对应的车辆行驶策略中的比对策略值，根据比对策略值确定风险参数值。
在本发明实施例中，当获取到的当前时间段的行驶属性数据不满足设定 时长的连续的行驶属性数据条件，则确定本次车载支付评估不成功，则向车辆发送车载支付请求不通过消息，可以选择其它支付方式进行支付。
例如，在本发明实施例中，设定时长为10分钟，即需要连续采集10分钟时长的行驶属性数据，但是在接收到的车载支付请求后，获取的行驶属性数据为5分钟连续采集的数据，则不能利用行驶数据进行风险计算。
可选的，在本发明实施例中，若获取的行驶属性数据有N个，车载行驶策略有M个，其中M大于等于N。M个车载行驶策略规定的设定时长可以不同，即N个行驶属性数据中有满足设定时长内的连续的行驶属性数据，也有不满足设定时长内的行驶属性数据，则选取满足设定时长内的连续的行驶属性数据来确定比对策略值。
在步骤104中，当确定车载支付请求对应的风险等级为高风险等级时，根据车辆的标识信息确定车辆绑定的通讯终端的标识信息，向通讯终端的标识信息对应的通讯终端发送支付安全警告消息。
在本发明实施例中，一个车辆的标识信息与车辆标识对应的通信终端进行了绑定，例如车辆牌照为XA64IP8，该车辆车牌的车主的联系方式为T，则绑定车辆牌照与T的绑定关系，在确定车载支付存在高风险等级时，向T发送支付安全警告消息。
为了便于本领域技术人员的理解，在此举例说明，本发明提供一种车载支付方法，如图3所示，本发明实施例中，车辆行驶策略中包括5个不同的行驶属性信息对应的行驶策略，在获取的5个行驶属性数据都是满足设定时长内的连续的行驶属性数据，且当前时间段为获取到车载支付请求前20分钟，具体如下：
步骤301，接收车载支付请求，确定车载支付请求中的车辆标识信息M；
步骤302，根据车辆标识信息M确定车辆标识信息为M的车辆是否为已注册车辆；若已注册，则执行步骤303；否则执行步骤304；
步骤303，获取在接收到车载支付请求20分钟内的车辆标识信息M对应的5个行驶属性数据，5个行驶属性数据分别用X1，X2，X3，X4，X5来表 示，执行步骤305；
步骤304，向车辆发送支付请求不通过消息；
步骤305，获取与车辆标识信息M对应的车辆行驶策略，其中车辆行驶策略中包括5个行驶属性数据对应的车辆行驶策略；
步骤306，确定X1，X2，X3，X4，X5在对应的车辆行驶策略中的比对策略值a1，a2，a3，a4以及a5；
步骤307，将a1，a2，a3，a4以及a5相加确定风险参数值为w；
步骤308，确定w的风险等级；若确定w的值是否大于高风险等级阈值，则确定车载支付请求为高风险等级；若确定w的值小于低风险等级阈值，则确定车载支付请求为低风险等级；
步骤309，将确定的车载支付请求对应的风险等级发送给交易平台。
基于同样的构思，本发明实施例还提供一种车载支付装置，如图4所示，包括：
接收单元401，用于接收车辆发送的车载支付请求，所述车载支付请求中包括车辆标识信息；
获取单元402，用于根据所述车辆标识信息，在确定所述车辆为已注册的车辆后，获取所述车辆当前时段的行驶属性数据以及所述车辆的车辆行驶策略；
风险等级确定单元403，用于根据所述当前时段的行驶属性数据以及所述车辆行驶策略，确定所述车载支付请求对应的风险等级；
发送单元404，用于将所述风险等级发送给交易平台，以使交易平台根据所述风险等级确定是否进行支付；
其中，所述车辆行驶策略是在所述车辆进行注册申请后，根据设定时间段内的行驶属性数据形成的。
进一步地，所述风险等级确定单元403，具体用于：
针对每一个行驶属性，在所述车辆行驶策略中查找与所述行驶属性对应的比对策略值；
根据每一个行驶属性数据对应的比对策略值确定所述车载支付请求的风险参数值；
根据所述车载支付请求的风险参数值确定所述车载支付请求对应的风险等级。
进一步地，所述接收单元401还用于：
接收所述车辆上报的行驶属性数据并保存到数据库中；
所述获取单元402，具体用于：
从所述数据库中获取所述车载支付请求之前的设定时长内的连续的行驶属性数据。
进一步地，所述风险等级确定单元403，具体用于：
若从所述数据库中无法获取满足所述设定时长内的连续的行驶属性数据，则向所述车辆发送车载支付请求不通过消息。
进一步地，所述风险等级确定单元403，具体用于：
若确定所述车载支付请求对应的风险等级为高风险等级时，根据所述车辆的标识信息确定所述车辆绑定的通讯终端的标识信息，向所述通讯终端的标识信息对应的通讯终端发送支付安全警告消息。
进一步地，所述装置还包括：
注册单元405，用于接收所述车辆发送的登录信息，所述注册消息包括注册账号及注册密码；
根据所述注册账号查找与所述注册账号对应的比对密码；
当确定所述比对密码与所述注册密码一致时，则确定所述车辆为已注册车辆。
进一步地，所述行驶属性数据包括下列属性中的任意一个或者组合：
不同路况状态下的行驶车速；
不同温度状态下的空调使用情况；
收音机的使用时间；
行驶区域；
行驶时间。
基于相同的原理，本发明还提供一种电子设备，如图5所示，包括处理器501、存储器502、收发机503、总线接口504，其中处理器501、存储器502与收发机503之间通过总线接口504连接；
所述收发机503，用于接收车辆发送的车载支付请求，所述车载支付请求中包括车辆标识信息；
所述处理器501，用于读取所述存储器中的程序，执行下列方法：根据所述车辆标识信息，在确定所述车辆为已注册的车辆后，获取所述车辆当前时段的行驶属性数据以及所述车辆的车辆行驶策略；根据所述当前时段的行驶属性数据以及所述车辆行驶策略，确定所述车载支付请求对应的风险等级；其中，所述车辆行驶策略是在所述车辆进行注册申请后，根据设定时间段内的行驶属性数据形成的；
所述存储器502，用于存储一个或多个可执行程序，可以存储所述处理器在执行操作时所使用的数据；
所述收发机503还用于将所述风险等级发送给交易平台，以使交易平台根据所述风险等级确定是否进行支付；
所述总线接口504，用于提供接口。
进一步地，所述处理器501根据所述当前时段的行驶属性数据以及所述车辆行驶策略，确定所述车载支付请求对应的风险等级具体用于：
针对每一个行驶属性，在所述车辆行驶策略中查找与所述行驶属性对应的比对策略值；
根据每一个行驶属性数据对应的比对策略值确定所述车载支付请求的风险参数值；
根据所述车载支付请求的风险参数值确定所述车载支付请求对应的风险等级。
进一步地，所述处理器501还用于：
通过所述收发机503接收所述车辆上报的行驶属性数据并保存到数据库 中；
从所述数据库中获取所述车载支付请求之前的设定时长内的连续的行驶属性数据。
进一步地，所述处理器501根据所述当前时段的行驶属性数据以及所述车辆行驶策略，确定所述车载支付请求对应的风险等级前，还用于：
若从所述数据库中无法获取满足所述设定时长内的连续的行驶属性数据，则向所述车辆发送车载支付请求不通过消息。
进一步地，所述处理器501根据所述当前时段的行驶属性数据以及所述车辆行驶策略，确定所述车载支付请求对应的风险等级后，还用于：
若确定所述车载支付请求对应的风险等级为高风险等级时，根据所述车辆的标识信息确定所述车辆绑定的通讯终端的标识信息，通过所述收发机503向所述通讯终端的标识信息对应的通讯终端发送支付安全警告消息。
进一步地，所述处理器501确定所述车辆为已注册的车辆，具体用于：
通过所述收发机503接收所述车辆发送的登录信息，所述注册消息包括注册账号及注册密码；
根据所述注册账号查找与所述注册账号对应的比对密码；
当确定所述比对密码与所述注册密码一致时，则确定所述车辆为已注册车辆。
进一步地，所述行驶属性数据包括下列属性中的任意一个或者组合：
不同路况状态下的行驶车速；
不同温度状态下的空调使用情况；
收音机的使用时间；
行驶区域；
行驶时间。
本申请实施例提供了一种非暂态计算机可读存储介质，所述非暂态计算机可读存储介质存储计算机指令，所述计算机指令用于使所述计算机执行任一一项车载支付方法。
本申请实施例提供了一种计算机程序产品，所述计算机程序产品包括存储在非暂态计算机可读存储介质上的计算程序，所述计算机程序包括程序指令，当所述程序指令被计算机执行时，使所述计算机执行上述任一一项车载支付方法。
本领域内的技术人员应明白，本发明的实施例可提供为方法、系统、或计算机程序产品。因此，本发明可采用完全硬件实施例、完全软件实施例、或结合软件和硬件方面的实施例的形式。而且，本发明可采用在一个或多个其中包含有计算机可用程序代码的计算机可用存储介质(包括但不限于磁盘存储器、CD-ROM、光学存储器等)上实施的计算机程序产品的形式。
本发明是参照根据本发明实施例的方法、设备(系统)、和计算机程序产品的流程图和/或方框图来描述的。应理解可由计算机程序指令实现流程图和/或方框图中的每一流程和/或方框、以及流程图和/或方框图中的流程和/或方框的结合。可提供这些计算机程序指令到通用计算机、专用计算机、嵌入式处理机或其他可编程数据处理设备的处理器，使得通过该计算机或其他可编程数据处理设备的处理器执行的指令可实现流程图中的一个流程或多个流程和/或方框图一个方框或多个方框中指定的功能。
这些计算机程序指令也可存储在能引导计算机或其他可编程数据处理设备以特定方式工作的计算机可读存储器中，使得存储在该计算机可读存储器中的指令产生包括指令装置的制造品，该指令装置实现在流程图一个流程或多个流程和/或方框图一个方框或多个方框中指定的功能。
这些计算机程序指令也可装载到计算机或其他可编程数据处理设备上，使得在计算机或其他可编程设备上执行一系列操作步骤以产生计算机实现的处理，从而在计算机或其他可编程设备上执行的指令提供用于实现在流程图的一个流程或多个流程和/或方框图的一个方框或多个方框中指定的功能的步骤。
尽管已描述了本发明的优选实施例，但本领域内的技术人员一旦得知了基本创造性概念，则可对这些实施例作出另外的变更和修改。所以，所附权 利要求意欲解释为包括优选实施例以及落入本发明范围的所有变更和修改。
显然，本领域的技术人员可以对本发明进行各种改动和变型而不脱离本发明的精神和范围。这样，倘若本发明的这些修改和变型属于本发明权利要求及其等同技术的范围之内，则本发明也意图包含这些改动和变型在内。

Claims (23)

  1. 一种车载支付方法，其特征在于，所述方法包括：
    接收车辆发送的车载支付请求，所述车载支付请求中包括车辆标识信息；
    根据所述车辆标识信息，在确定所述车辆为已注册的车辆后，获取所述车辆当前时段的行驶属性数据以及所述车辆的车辆行驶策略；
    根据所述当前时段的行驶属性数据以及所述车辆行驶策略，确定所述车载支付请求对应的风险等级；
    将所述风险等级发送给交易平台，以使交易平台根据所述风险等级确定是否进行支付；
    其中，所述车辆行驶策略是在所述车辆进行注册申请后，根据设定时间段内的行驶属性数据形成的。
  2. 根据权利要求1所述的方法，其特征在于，所述根据所述当前时段的行驶属性数据以及所述车辆行驶策略，确定所述车载支付请求对应的风险等级，包括：
    针对每一个行驶属性，在所述车辆行驶策略中查找与所述行驶属性对应的比对策略值；
    根据每一个行驶属性数据对应的比对策略值确定所述车载支付请求的风险参数值；
    根据所述车载支付请求的风险参数值确定所述车载支付请求对应的风险等级。
  3. 根据权利要求1所述的方法，其特征在于，所述方法还包括：
    接收所述车辆上报的行驶属性数据并保存到数据库中；
    获取所述车辆当前时段的行驶属性数据，包括：
    从所述数据库中获取所述车载支付请求之前的设定时长内的连续的行驶属性数据。
  4. 根据权利要求3所述的方法，其特征在于，所述根据所述当前时段的 行驶属性数据以及所述车辆行驶策略，确定所述车载支付请求对应的风险等级前，还包括：
    若从所述数据库中无法获取满足所述设定时长内的连续的行驶属性数据，则向所述车辆发送车载支付请求不通过消息。
  5. 根据权利要求1所述的方法，其特征在于，所述根据所述当前时段的行驶属性数据以及所述车辆行驶策略，确定所述车载支付请求对应的风险等级后，还包括：
    若确定所述车载支付请求对应的风险等级为高风险等级时，根据所述车辆的标识信息确定所述车辆绑定的通讯终端的标识信息，向所述通讯终端的标识信息对应的通讯终端发送支付安全警告消息。
  6. 根据权利要求1所述的方法，其特征在于，所述确定所述车辆为已注册的车辆，包括：
    接收所述车辆发送的注册消息，所述注册消息包括注册账号及注册密码；
    根据所述注册账号查找与所述注册账号对应的比对密码；
    当确定所述比对密码与所述注册密码一致时，则确定所述车辆为已注册车辆。
  7. 根据权利要求1～6任一所述的方法，其特征在于，所述行驶属性数据包括下列属性中的任意一个或者组合：
    不同路况状态下的行驶车速；
    不同温度状态下的空调使用情况；
    收音机的使用时间；
    行驶区域；
    行驶时间。
  8. 一种车载支付装置，其特征在于，包括：
    接收单元，用于接收车辆发送的车载支付请求，所述车载支付请求中包括车辆标识信息；
    获取单元，用于根据所述车辆标识信息，在确定所述车辆为已注册的车 辆后，获取所述车辆当前时段的行驶属性数据以及所述车辆的车辆行驶策略；
    风险等级确定单元，用于根据所述当前时段的行驶属性数据以及所述车辆行驶策略，确定所述车载支付请求对应的风险等级；
    发送单元，用于将所述风险等级发送给交易平台，以使交易平台根据所述风险等级确定是否进行支付；
    其中，所述车辆行驶策略是在所述车辆进行注册申请后，根据设定时间段内的行驶属性数据形成的。
  9. 根据权利要求8所述的装置，其特征在于，所述风险等级确定单元，具体用于：
    针对每一个行驶属性，在所述车辆行驶策略中查找与所述行驶属性对应的比对策略值；
    根据每一个行驶属性数据对应的比对策略值确定所述车载支付请求的风险参数值；
    根据所述车载支付请求的风险参数值确定所述车载支付请求对应的风险等级。
  10. 根据权利要求8所述的装置，其特征在于，所述接收单元还用于：
    接收所述车辆上报的行驶属性数据并保存到数据库中；
    所述获取单元，具体用于：
    从所述数据库中获取所述车载支付请求之前的设定时长内的连续的行驶属性数据。
  11. 根据权利要求10所述的装置，其特征在于，所述风险等级确定单元，具体用于：
    若从所述数据库中无法获取满足所述设定时长内的连续的行驶属性数据，则向所述车辆发送车载支付请求不通过消息。
  12. 根据权利要求8所述的装置，其特征在于，所述风险等级确定单元，具体用于：
    若确定所述车载支付请求对应的风险等级为高风险等级时，根据所述车 辆的标识信息确定所述车辆绑定的通讯终端的标识信息，向所述通讯终端的标识信息对应的通讯终端发送支付安全警告消息。
  13. 根据权利要求8所述的装置，其特征在于，所述装置还包括：
    注册单元，用于接收所述车辆发送的登录信息，所述注册消息包括注册账号及注册密码；
    根据所述注册账号查找与所述注册账号对应的比对密码；
    当确定所述比对密码与所述注册密码一致时，则确定所述车辆为已注册车辆。
  14. 根据权利要求8～13任一所述的装置，其特征在于，所述行驶属性数据包括下列属性中的任意一个或者组合：
    不同路况状态下的行驶车速；
    不同温度状态下的空调使用情况；
    收音机的使用时间；
    行驶区域；
    行驶时间。
  15. 一种电子设备，其特征在于，包括处理器、存储器、收发机、总线接口，其中处理器、存储器与收发机之间通过总线接口连接；
    所述收发机，用于接收车辆发送的车载支付请求，所述车载支付请求中包括车辆标识信息；
    所述处理器，用于读取所述存储器中的程序，执行下列方法：根据所述车辆标识信息，在确定所述车辆为已注册的车辆后，获取所述车辆当前时段的行驶属性数据以及所述车辆的车辆行驶策略；根据所述当前时段的行驶属性数据以及所述车辆行驶策略，确定所述车载支付请求对应的风险等级；其中，所述车辆行驶策略是在所述车辆进行注册申请后，根据设定时间段内的行驶属性数据形成的；
    所述存储器，用于存储一个或多个可执行程序，可以存储所述处理器在执行操作时所使用的数据；
    所述收发机还用于将所述风险等级发送给交易平台，以使交易平台根据所述风险等级确定是否进行支付；
    所述总线接口，用于提供接口。
  16. 根据权利要求15所述的设备，其特征在于，所述处理器根据所述当前时段的行驶属性数据以及所述车辆行驶策略，确定所述车载支付请求对应的风险等级具体用于：
    针对每一个行驶属性，在所述车辆行驶策略中查找与所述行驶属性对应的比对策略值；
    根据每一个行驶属性数据对应的比对策略值确定所述车载支付请求的风险参数值；
    根据所述车载支付请求的风险参数值确定所述车载支付请求对应的风险等级。
  17. 根据权利要求15所述的设备，其特征在于，所述处理器还用于：
    通过所述收发机接收所述车辆上报的行驶属性数据并保存到数据库中；
    从所述数据库中获取所述车载支付请求之前的设定时长内的连续的行驶属性数据。
  18. 根据权利要求17所述的设备，其特征在于，所述处理器根据所述当前时段的行驶属性数据以及所述车辆行驶策略，确定所述车载支付请求对应的风险等级前，还用于：
    若从所述数据库中无法获取满足所述设定时长内的连续的行驶属性数据，则向所述车辆发送车载支付请求不通过消息。
  19. 根据权利要求15所述的设备，其特征在于，所述处理器根据所述当前时段的行驶属性数据以及所述车辆行驶策略，确定所述车载支付请求对应的风险等级后，还用于：
    若确定所述车载支付请求对应的风险等级为高风险等级时，根据所述车辆的标识信息确定所述车辆绑定的通讯终端的标识信息，通过所述收发机向所述通讯终端的标识信息对应的通讯终端发送支付安全警告消息。
  20. 根据权利要求15所述的设备，其特征在于，所述处理器确定所述车辆为已注册的车辆，具体用于：
    通过所述收发机接收所述车辆发送的登录信息，所述注册消息包括注册账号及注册密码；
    根据所述注册账号查找与所述注册账号对应的比对密码；
    当确定所述比对密码与所述注册密码一致时，则确定所述车辆为已注册车辆。
  21. 根据权利要求15～20任一所述的设备，其特征在于，所述行驶属性数据包括下列属性中的任意一个或者组合：
    不同路况状态下的行驶车速；
    不同温度状态下的空调使用情况；
    收音机的使用时间；
    行驶区域；
    行驶时间。
  22. 一种非暂态计算机可读存储介质，其特征在于，所述非暂态计算机可读存储介质存储计算机指令，所述计算机指令用于使所述计算机执行权利要求1～7任一所述方法。
  23. 一种计算机程序产品，其特征在于，所述计算机程序产品包括存储在非暂态计算机可读存储介质上的计算程序，所述计算机程序包括程序指令，当所述程序指令被计算机执行时，使所述计算机执行权利要求1～7任一所述方法。
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