WO2018121370A1

WO2018121370A1 - T-box, t-box-based vehicle-mounted payment system, and method therefor

Info

Publication number: WO2018121370A1
Application number: PCT/CN2017/117392
Authority: WO
Inventors: 祖立军; 何朔; 刘国宝
Original assignee: 中国银联股份有限公司
Priority date: 2016-12-29
Filing date: 2017-12-20
Publication date: 2018-07-05
Also published as: TW201826182A; CN106980971A; TWI673664B

Abstract

A T-BOX-based electronic payment system built into an intelligent vehicle, and a payment method. The system comprises: a T-BOX (100) provided within the intelligent vehicle; and a merchant terminal (200) for interacting with the T-BOX (100) and completing payment, wherein the T-BOX (100) involves: a payment application (110) for implementing an application that needs to carry out payment; a payment module (120) invoked by the payment application (110) and used for realising a payment function; and an SE module (130) invoked by the payment module (120) and used for securely storing account information. The T-BOX (100) can be taken as a payment terminal, thereby improving the payment capability; furthermore, the security of payment can also be guaranteed.

Description

T-BOX, T-BOX based vehicle payment system and method thereof

Technical field

The present invention relates to in-vehicle communication technologies, and in particular to a T-BOX, a T-BOX based smart car built-in electronic payment system, and a payment method.

Background technique

First, the vehicle networking communication technology (V2X) will be described.

In the car network environment, through the interaction and sharing of vehicles and vehicles, roads, people, backgrounds and other information, intelligent coordination and cooperation between vehicles and infrastructure to achieve intelligent traffic management control, vehicle intelligent control and intelligent dynamic information services The integrated network is an extension of the Internet of Things technology in the field of intelligent transportation systems. Among them, 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.

Next, the internal architecture of the vehicle intelligent system will be described.

1 is a block diagram of an internal architecture of a prior art automotive intelligent system.

As shown in FIG. 1, the interior of the vehicle intelligent system mainly includes: a vehicle body electronic system 10, an automobile operating system 20, an in-vehicle intelligent entertainment system 30, an extended application 40, and a T-BOX communication device 50.

The vehicle body electronic system 10 and the automobile operating system 20 are used for real-time manipulation of automobiles, such as brakes, turn signals, etc., and the in-vehicle intelligent entertainment system 30 is used for video entertainment, and vehicle information display. The extended application 40 is used, for example, to implement a scene payment APP such as parking, charging, ETC, and the like. The T-BOX communication device 50 is used for a gateway device for communication between an automobile and the outside.

In the prior art, the T-BOX communication device 50 generally includes a mobile communication module, a WIFI module, a Bluetooth module, a GPS module, a local storage module, a power module, a car bus access module, a vehicle network communication module, and an application program bearing module. .

With the development of the Internet + car, car sharing will be the mainstream trend in the future car networking environment due to the consideration of car resource utilization and efficient transportation, that is, more car trips will adopt the time-sharing mode instead of private cars. Mode, in this process, it puts forward new requirements for the car rental expenses in the car time-sharing process, as well as the parking methods, high-speed charges, and fines for violations during the use of the car.

First of all, under the current technology mode, the car is not a payment terminal, so it cannot meet the payment demand of the car as the core scene in the process of using the car. For example, the vehicle model, the identification number, the license plate and the like are synchronously uploaded during the payment process, and the payment is not Convenient.

Therefore, the existing payment technologies mainly include two methods: mobile APP payment and post-installation vehicle payment:

(1) Mobile APP payment

That is, through 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. There is a problem that the payment method is separated in different scenarios. At the same time, the mobile APP also needs to manually fill in some information, and the convenience is not high. And other issues.

(2) After-loading vehicle unit payment

The typical case of this method is 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. 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.

Summary of the invention

The present invention has been made in view of the above problems, and aims to provide a T-BOX-based smart car built-in electronic payment system and a payment method capable of transforming an automobile into a payment terminal.

The T-BOX-based smart car built-in electronic payment system of the present invention is characterized in that: a T-BOX is provided in the smart car; and

a merchant terminal, configured to interact with the T-BOX and complete payment,

Wherein, the T-BOX has:

a payment application for implementing an application that requires payment;

a payment module, invoked by the payment application and used to implement a payment function;

The SE module, called by the payment module and used to securely store account information.

Preferably, the payment application is configured to acquire vehicle information from the smart car and provide the same to the merchant terminal, invoke the payment module according to the order request from the merchant terminal, and according to the account returned from the payment module Information and the order information generate payment information and send to the payment service Service module,

The payment service module is configured to retrieve account information from the SE module according to the call of the payment application and return the retrieved account information to the payment application, and on the other hand, the payment sent from the payment application Information is sent to the merchant terminal.

Preferably, the payment service module encrypts the payment information and sends the payment information to the merchant terminal.

Preferably, the payment module has:

An interaction module for implementing account management and interaction functions;

Transaction management module; used to implement payment service logic processing;

a communication management module for implementing payment communication;

The core function interface is used for the in-vehicle payment function to be packaged in the form of an interface.

Preferably, the transaction management module has:

a remote management module, configured to receive and process data exchange requests from the merchant terminal;

a transaction kernel module, configured to package payment information according to payment account information and vehicle information groups;

a SE operation module for invoking the SE module;

The biometric authentication module is configured to determine whether the user can perform a payment operation by authenticating the biometric information.

The T-BOX provided in the smart car of the present invention is characterized in that it has:

a payment application for implementing an application that requires payment;

Preferably, the payment application is configured to acquire vehicle information from a smart car and provide it to a merchant terminal, invoke the payment module according to an order request from the merchant terminal, and according to the account information returned from the payment module, and the The order information generates payment information and sends the payment information to the payment service module, the payment service module is configured to retrieve account information from the SE module according to the call of the payment application and return the retrieved account information to the payment application. On the other hand, the payment information sent from the payment application is transmitted to the merchant terminal.

Preferably, the payment module has:

a communication management module for implementing payment communication;

Preferably, the transaction management module has:

a SE operation module for invoking the SE module;

The T-BOX-based smart car built-in electronic payment method of the invention is provided by the smart car

The T-BOX and the merchant terminal implement the electronic payment method, and the method includes the following steps:

The vehicle information providing step, the T-BOX provides the vehicle information to the merchant terminal;

In the order request step, the merchant terminal sends an order request to the T-BOX according to the received vehicle information;

a payment information generating step, the T-BOX generates payment information including account information according to the order request;

In the payment information sending step, the T-BOX sends the payment information to the merchant terminal;

The payment completion step, the merchant terminal completes the payment according to the payment information.

Preferably, the payment information generating step comprises the following sub-steps:

The T-BOX performs payment condition verification according to the order request, and if the verification is passed, the following steps are continued;

The T-BOX reads the account information stored in the SE module of the T-BOX;

The T-BOX generates payment information based on the account information and the order request.

Preferably, in the payment information sending step, the T-BOX encrypts the payment information and sends the payment information to the merchant terminal.

As described above, the T-BOX-based smart car built-in electronic payment system and the payment method of the present invention can obtain the following technical effects: - BOX as a car front loading device, by changing the T-BOX into a payment terminal, without changing the car Under the premise of the supply chain, the car can be easily transformed into a payment terminal. At the same time, the T-BOX can effectively read the internal parameters of the car, so as to form a good technical basis for the vehicle to form a device fingerprint as a payment terminal in the payment process; By using the car as a payment terminal, it is possible to effectively transmit the car information in the payment process, enhance the ability to integrate payment and application scenarios, and respond to various car consumption payment scenarios. For example, high-speed tolls need to be differentiated according to different models. Pricing; because the SE module stores account information, it can effectively ensure payment security; T-box is a car-network communication device in the car, in the present invention, by making the T-BOX have both payment ability and communication The ability to communicate enables the modularization of communication and payment capabilities.

DRAWINGS

2 is a block diagram showing the construction of a built-in electronic payment system for a smart car based on a T-BOX of the present invention.

Fig. 3 is a block diagram showing the configuration of a T-BOX of the present invention.

4 is a flow chart of a T-BOX based smart car built-in electronic payment method of the present invention.

detailed description

The following are some of the various embodiments of the invention, which are intended to provide a basic understanding of the invention. It is not intended to identify key or critical elements of the invention or the scope of the invention.

First, a brief introduction will be made to the related concepts to be mentioned in the T-BOX-based smart car built-in electronic payment system and payment method of the present invention.

(1) Token

The Token technology means that the Token Service Provider generates a Token based on the PAN (Primary Account) provided by the Token Requestor, and then transfers the Token as a substitute value of the PAN to each part of the payment, making it unique in the payment process. The PAN is only transmitted between the Token service provider, the transfer party, and the issuer. Since the three private lines are connected and trust each other, and when the Token is detected to be risky or expires, a new Token replacement will be generated again, thereby greatly reducing the payment process. The possibility of a PAN leak has greatly improved the safety of the PAN.

(2) SE

SE refers to the Security Element, which provides a secure execution environment in which information stored in it cannot be cracked or illegally read.

As shown in FIG. 2, the built-in electronic payment system of the T-BOX based smart car of the present invention includes: a T-BOX 100 and a merchant terminal 200.

The T-BOX 100 includes a payment application 110, a payment module 120, and an SE module 130.

The payment application 110 refers to various types of applications that need to be paid, and the application content is not limited herein. Payment module 120 is a module that is invoked by payment application 110 and that implements the payment function. SE module 130 It is called by the payment module 120 and is used to securely store account information. Since the secure storage is implemented, the information in the SE module 130 cannot be cracked or illegally read.

Of course, the T-BOX 100 of the present invention should also have a module of a mobile communication module, a WIFI module, a Bluetooth module, a GPS module, a local storage module, a power module, a car bus access module, a vehicle network communication module, etc., since these modules are already Prior art, therefore, the description thereof will be omitted hereinafter.

On the other hand, the newly added payment module 120 of the present invention can also be regarded as an application running in the application bearer module in the prior art, that is, the configuration diagram of FIG. 1, and the SE module 130 can be regarded as an application bearer module. An external device, the application reads the data stored by the SE module 130 through the bus of the application carrier module.

3 is a block diagram showing the configuration of the payment module 120 in the T-BOX of the present invention.

As shown in FIG. 3, the payment module 120 includes an interaction module 121, a transaction management module 122, a communication management module 123, and a core function interface 124.

The interaction module 121 provides account management interaction capabilities, such as account registration, activation, default account management, or card management.

The transaction management module 22 provides payment service logic processing, bio-payment authentication, and the ability to read the handset token and payment management configuration, ie, the transaction management module 122 is used to complete management configuration, processing, and transaction authentication of the transaction.

Specifically, the transaction management module 122 is provided with a remote management module, a transaction kernel module, an SE operation module, and a biometric authentication module (these modules are not shown in FIG. 3, and only their functions are annotated). The remote management module is configured to receive and process data exchange notifications and requests from the merchant terminal 200, and the transaction kernel module is configured to perform grouping of payment information according to service requirements, that is, data groups for payment account information, vehicle information, and the like. Packaged into payment information, etc. The SE operation module is used to operate the SE module 130. The biometric authentication module is configured to determine whether the user can perform a payment operation by authenticating biometric information (eg, fingerprint, finger vein, face, voice, iris, palm print, etc.) (the biometric authentication module is an optional module).

The communication management module 123 provides payment communication capabilities, is responsible for the establishment of network secure connections and data transmission capabilities. The communication management module 123 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 vehicle network data transmission service are provided in the communication management module 123. The communication layer-TLS/SSL is mainly responsible for the payment service module 110. A secure communication connection is established with the external entity, and the remote notification service notification is primarily an interface between the payment service module 110 and the remote notification service.

The core function interface 124 encapsulates the in-vehicle payment function in the form of an interface, and provides call indication capability to the outside. The core function interface 124 is mainly used to coordinate the function scheduling and data exchange of each module, and is a unified interface implementation of other modules.

Next, a payment method realized by the T-BOX-based smart car built-in electronic payment system of the present invention will be described.

In step S100, the merchant terminal 200 (for example, a toll booth) communicates with the T-BOX 100, the merchant terminal 200 performs information interaction with the payment application 110 in the T-BOX 100, and the payment application 110 transmits vehicle information such as vehicle type, license plate number, and the like. The vehicle information or other related information is transmitted to the merchant terminal 200.

In step S101, after receiving the vehicle information, the merchant terminal 200 initiates a merchant order request to the vehicle according to the vehicle information, and the merchant order request is sent to the payment application 110 of the T-BOX 100.

In step S102, the payment application 110 of the T-BOX 100 receives the request, performs business rule matching (for example, risk business rules, etc.) according to the vehicle information, and verifies whether the payment condition is legal. If the payment condition is legal, the process proceeds to step S103; otherwise, The process ends and the payment failure is returned to the merchant terminal 200.

In step S103, the payment application 110 initiates a payment account request to the transaction management module 122 of the payment service module 120, which may be, for example, a bank card Token.

In step S104, the transaction management module 122 of the payment service module 120 initiates an account information read instruction to the SE module 130.

In step S105, the account information is read, and the account information is returned from the SE module 130 to the payment service module 120.

In step S106, the payment service module 120 returns account information to the payment application 110.

In step S107, the payment application 110 organizes the payment information and transmits the payment information to the communication management module 123 of the payment module 120, requesting that the payment information be transmitted in the secure connection environment.

In step S108, the communication management module 123 of the payment service module 120 transmits the encrypted payment information to the merchant terminal 200.

In step S109, the merchant terminal 200 continues to process after receiving the payment information, and gives a payment letter. The information is returned to the communication management module 123 of the payment service module 120.

In step S110, the communication management module 123 of the payment service module 120 forwards the payment information confirmation to the payment application 110, and the payment is successful this time.

The built-in electronic payment system and payment method of the T-BOX based smart car of the invention can obtain the following technical effects:

(1) T-BOX is used as a front-loading device for automobiles. By changing the T-BOX into a payment terminal, the car can be easily converted into a payment terminal without changing the supply chain of the car, and the T-BOX can be effectively read. The internal parameters of the car, thus forming a good technical basis for the formation of equipment fingerprints for the car as a payment terminal for the payment process;

(2) The ability to pay is efficient. By using the car as a payment terminal, the car information can be transmitted together 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 charging. Aspects need to be differentiated according to different models;

(3) Since the SE module is used to store account information, the payment security can be effectively guaranteed;

(4) The T-box is a car-network communication device in a car. In the present invention, by making the T-BOX have both the payment capability and the communication capability, the joint modularization of communication and payment capabilities can be realized.

The above examples mainly illustrate the built-in electronic payment system and payment method of the T-BOX based smart car of the present invention. Although only a few of the specific embodiments of the present invention have been described, it is understood that the invention may be embodied in many other forms without departing from the spirit and scope of the invention. Accordingly, the present invention is to be construed as illustrative and not restrictive, and the invention may cover various modifications without departing from the spirit and scope of the invention as defined by the appended claims With replacement.

Claims

A T-BOX-based smart car built-in electronic payment system, characterized in that it has:

a T-BOX disposed in the smart car;

a merchant terminal, configured to interact with the T-BOX and complete payment,

Wherein, the T-BOX has:

a payment application for implementing an application that requires payment;

a payment module, invoked by the payment application and used to implement a payment function;

The SE module, called by the payment module and used to securely store account information.
A built-in electronic payment system for a smart car based on a T-BOX according to claim 1, wherein

The payment application is configured to acquire vehicle information from a smart car and provide the same to the merchant terminal, invoke the payment module according to the order request from the merchant terminal, and according to the account information and the returned from the payment module The order information generates payment information and sends the payment information to the payment service module.

The payment service module is configured to retrieve account information from the SE module according to the call of the payment application and return the retrieved account information to the payment application, and on the other hand, the payment sent from the payment application Information is sent to the merchant terminal.
A built-in electronic payment system for a smart car based on a T-BOX according to claim 2, wherein

The payment service module encrypts the payment information and sends the payment information to the merchant terminal.
The built-in electronic payment system for a smart car based on a T-BOX according to any one of claims 1 to 3, characterized in that

The payment module has:

An interaction module for implementing account management and interaction functions;

Transaction management module; used to implement payment service logic processing;

a communication management module for implementing payment communication;

The core function interface is used for the in-vehicle payment function to be packaged in the form of an interface.
A built-in electronic payment system for a smart car based on a T-BOX according to claim 4, wherein

The transaction management module has:

a remote management module, configured to receive and process data exchange requests from the merchant terminal;

a transaction kernel module, configured to package payment information according to payment account information and vehicle information groups;

a SE operation module for invoking the SE module;

The biometric authentication module is configured to determine whether the user can perform a payment operation by authenticating the biometric information.
A T-BOX disposed in a smart car, characterized in that it has:

a payment application for implementing an application that requires payment;

a payment module, invoked by the payment application and used to implement a payment function;

The SE module, called by the payment module and used to securely store account information.
The T-BOX of claim 6 wherein:

The payment application is configured to acquire vehicle information from a smart car and provide the same to a merchant terminal, invoke the payment module according to an order request from the merchant terminal, and generate, according to the account information returned from the payment module and the order information. Payment information is sent to the payment service module,

The payment service module is configured to retrieve account information from the SE module according to the call of the payment application and return the retrieved account information to the payment application, and on the other hand, the payment sent from the payment application The information is sent to the merchant terminal.
The T-BOX of claim 7 wherein:

The payment service module encrypts the payment information and sends the payment information to the merchant terminal.
The T-BOX according to any one of claims 6 to 8, wherein the payment module is provided with:

An interaction module for implementing account management and interaction functions;

Transaction management module; used to implement payment service logic processing;

a communication management module for implementing payment communication;

The core function interface is used for the in-vehicle payment function to be packaged in the form of an interface.
The T-BOX of claim 9 wherein:

The transaction management module has:

a remote management module, configured to receive and process data exchange requests from the merchant terminal;

a transaction kernel module, configured to package payment information according to payment account information and vehicle information groups;

a SE operation module for invoking the SE module;

The biometric authentication module is configured to determine whether the user can perform a payment operation by authenticating the biometric information.
A T-BOX-based smart car built-in electronic payment method, which is implemented by a smart car T-BOX and a merchant terminal, and is characterized in that it comprises the following steps:

The vehicle information providing step, the T-BOX provides the vehicle information to the merchant terminal;

In the order request step, the merchant terminal sends an order request to the T-BOX according to the received vehicle information;

a payment information generating step, the T-BOX generates payment information including account information according to the order request;

In the payment information sending step, the T-BOX sends the payment information to the merchant terminal;

The payment completion step, the merchant terminal completes the payment according to the payment information.
The T-BOX-based smart car built-in electronic payment method according to claim 11, wherein

The payment information generating step includes the following sub-steps:

The T-BOX performs payment condition verification according to the order request, and if the verification is passed, the following steps are continued;

The T-BOX reads the account information stored in the SE module of the T-BOX;

The T-BOX generates payment information based on the account information and the order request.
The T-BOX-based smart car built-in electronic payment method according to claim 11, wherein

In the payment information sending step, the T-BOX encrypts the payment information and sends it to the merchant terminal.