WO2018205969A1 - 一种车载支付的方法和装置 - Google Patents

一种车载支付的方法和装置 Download PDF

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Publication number
WO2018205969A1
WO2018205969A1 PCT/CN2018/086276 CN2018086276W WO2018205969A1 WO 2018205969 A1 WO2018205969 A1 WO 2018205969A1 CN 2018086276 W CN2018086276 W CN 2018086276W WO 2018205969 A1 WO2018205969 A1 WO 2018205969A1
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WIPO (PCT)
Prior art keywords
vehicle
user
vehicle user
geographic location
image
Prior art date
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PCT/CN2018/086276
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English (en)
French (fr)
Inventor
张鸿
叶仲正
陈力
周乐
Original Assignee
阿里巴巴集团控股有限公司
张鸿
叶仲正
陈力
周乐
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by 阿里巴巴集团控股有限公司, 张鸿, 叶仲正, 陈力, 周乐 filed Critical 阿里巴巴集团控股有限公司
Priority to EP18798348.1A priority Critical patent/EP3528193B1/en
Priority to JP2019525774A priority patent/JP6765530B2/ja
Priority to KR1020197013732A priority patent/KR102195677B1/ko
Publication of WO2018205969A1 publication Critical patent/WO2018205969A1/zh
Priority to US16/536,041 priority patent/US10699494B2/en
Priority to US16/912,236 priority patent/US10950063B2/en

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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
    • G06Q20/38—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
    • G06Q20/4014—Identity check for transactions
    • G06Q20/40145—Biometric identity checks
    • 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
    • G06Q20/30—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
    • G06Q20/325—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks
    • 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
    • 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
    • G06Q30/00—Commerce
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising
    • G06Q30/0241—Advertisements
    • G06Q30/0251—Targeted advertisements
    • 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
    • G06Q30/00—Commerce
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising
    • G06Q30/0241—Advertisements
    • G06Q30/0251—Targeted advertisements
    • G06Q30/0265—Vehicular advertisement
    • G06Q30/0266—Vehicular advertisement based on the position of the vehicle
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06V—IMAGE OR VIDEO RECOGNITION OR UNDERSTANDING
    • G06V20/00—Scenes; Scene-specific elements
    • G06V20/50—Context or environment of the image
    • G06V20/59—Context or environment of the image inside of a vehicle, e.g. relating to seat occupancy, driver state or inner lighting conditions
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06V—IMAGE OR VIDEO RECOGNITION OR UNDERSTANDING
    • G06V40/00—Recognition of biometric, human-related or animal-related patterns in image or video data
    • G06V40/10—Human or animal bodies, e.g. vehicle occupants or pedestrians; Body parts, e.g. hands
    • G06V40/12—Fingerprints or palmprints
    • G06V40/1365—Matching; Classification
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06V—IMAGE OR VIDEO RECOGNITION OR UNDERSTANDING
    • G06V40/00—Recognition of biometric, human-related or animal-related patterns in image or video data
    • G06V40/10—Human or animal bodies, e.g. vehicle occupants or pedestrians; Body parts, e.g. hands
    • G06V40/16—Human faces, e.g. facial parts, sketches or expressions
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07B—TICKET-ISSUING APPARATUS; FARE-REGISTERING APPARATUS; FRANKING APPARATUS
    • G07B15/00—Arrangements or apparatus for collecting fares, tolls or entrance fees at one or more control points
    • G07B15/06—Arrangements for road pricing or congestion charging of vehicles or vehicle users, e.g. automatic toll systems
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07B—TICKET-ISSUING APPARATUS; FARE-REGISTERING APPARATUS; FRANKING APPARATUS
    • G07B15/00—Arrangements or apparatus for collecting fares, tolls or entrance fees at one or more control points
    • G07B15/06—Arrangements for road pricing or congestion charging of vehicles or vehicle users, e.g. automatic toll systems
    • G07B15/063—Arrangements for road pricing or congestion charging of vehicles or vehicle users, e.g. automatic toll systems using wireless information transmission between the vehicle and a fixed station
    • G—PHYSICS
    • G08—SIGNALLING
    • G08G—TRAFFIC CONTROL SYSTEMS
    • G08G1/00—Traffic control systems for road vehicles
    • G08G1/123—Traffic control systems for road vehicles indicating the position of vehicles, e.g. scheduled vehicles; Managing passenger vehicles circulating according to a fixed timetable, e.g. buses, trains, trams
    • G08G1/133—Traffic control systems for road vehicles indicating the position of vehicles, e.g. scheduled vehicles; Managing passenger vehicles circulating according to a fixed timetable, e.g. buses, trains, trams within the vehicle ; Indicators inside the vehicles or at stops
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04W—WIRELESS COMMUNICATION NETWORKS
    • H04W4/00—Services specially adapted for wireless communication networks; Facilities therefor
    • H04W4/02—Services making use of location information
    • H04W4/029—Location-based management or tracking services
    • G—PHYSICS
    • G08—SIGNALLING
    • G08G—TRAFFIC CONTROL SYSTEMS
    • G08G1/00—Traffic control systems for road vehicles
    • G08G1/123—Traffic control systems for road vehicles indicating the position of vehicles, e.g. scheduled vehicles; Managing passenger vehicles circulating according to a fixed timetable, e.g. buses, trains, trams

Definitions

  • the present disclosure relates to the field of network technologies, and in particular, to a method and apparatus for in-vehicle payment.
  • the present disclosure provides an in-vehicle payment method and apparatus to make payment when traveling by car more convenient.
  • a method of in-vehicle payment comprising:
  • an image set associated with the geographic location from an image database, the image set including face images respectively belonging to a plurality of users;
  • a system for in-vehicle payment comprising:
  • a base disposed in the vehicle occupied by the user
  • the smart phone is loaded on the base, and the smart terminal is installed with an in-vehicle payment application, and the in-vehicle payment application is used to execute the in-vehicle payment method described in the present disclosure.
  • an apparatus for in-vehicle payment comprising:
  • a data acquisition module configured to acquire a face image of the vehicle user, and a geographic location of the vehicle user at the end of the ride route;
  • An image acquisition module configured to acquire, according to the geographic location, an image set associated with the geographic location from an image database, where the image set includes face images respectively belonging to multiple users;
  • An identity recognition module configured to compare the face image of the in-vehicle user with each face image in the image set, identify the identity of the in-vehicle user, and obtain a debit account corresponding to the in-vehicle user;
  • the deduction processing module is configured to deduct the ride fee of the ride from the deduction account.
  • the in-vehicle payment method and device of the present disclosure obtains the identity of the user by performing face recognition on the in-vehicle user, thereby automatically deducting the fare of the fare, so that the payment when traveling by car is more convenient, even if the user does not bring the mobile phone and the wallet. You can also deduct the fare.
  • FIG 1 is an application scenario diagram of an in-vehicle payment provided by an embodiment of the present disclosure
  • FIG. 2 is a flow chart of an in-vehicle payment provided by an embodiment of the present disclosure
  • FIG. 3 is a schematic diagram of a mobile phone placement manner according to an embodiment of the present disclosure
  • FIG. 4 is a schematic structural view of a base provided by an embodiment of the present disclosure.
  • FIG. 5 is a schematic structural diagram of an in-vehicle payment device according to an embodiment of the present disclosure
  • FIG. 6 is a schematic structural diagram of an in-vehicle payment device according to an embodiment of the present disclosure.
  • the in-vehicle payment method provided in the example of the present disclosure can be applied, for example, to the payment of a taxi.
  • a taxi is taken as an example.
  • An image capturing device 12 can be installed in a taxi 11 , and the image capturing device 12 has a camera, which can be used to collect the vehicle user who takes the taxi. Face image.
  • the image capturing device 12 can transmit the acquired face image to the server 13 in the background, and the server 13 performs processing according to the face image to automatically complete the fee deduction for the in-vehicle user's current ride.
  • FIG. 2 illustrates the flow of the server 13 performing an in-vehicle payment in one example:
  • step 201 a face image of the in-vehicle user and a geographic location of the in-vehicle user at the end of the ride route are acquired.
  • the image capturing device 12 in FIG. 1 can not only acquire the face image of the in-vehicle user, but also locate the geographic location of the user, and obtain the geographic location of the in-vehicle user at the end of the riding route.
  • the end point of the ride route here can be the place where the user gets on the bus or the place where the user gets off the bus.
  • the geographic location acquired by the server 13 in this step may be obtained by the image collection device 12, or may be collected by other devices, and may be acquired in other manners, as long as the server 13 can obtain the location.
  • image capture device 12 may be a smart terminal, such as a smart phone.
  • the smart phone may be provided by a driver of the taxi, and the mobile phone may be placed at the position of the first officer in the vehicle, so that the location may collect the face image of the user who takes the taxi.
  • 3 illustrates a manner in which the handset is placed, the smartphone 31 can be carried on the base 32, and the base 32 can be placed at a location inside the vehicle, such as a shelf in front of the first officer.
  • This example can utilize the camera of the smartphone 31 to capture the face image of the in-vehicle user.
  • the smart phone 31 is installed with an in-vehicle payment application APP, which is equivalent to an application client of the in-vehicle payment application, and the client can transmit the collected face image to the background server 13.
  • the base 32 can include a multi-degree of freedom clip module 33 that can be flexibly rotated and can be rotated under the control of an in-vehicle payment application to cause the camera of the smartphone to capture a face image of the in-vehicle user.
  • the multi-degree-of-freedom clip module 33 can be controlled to rotate, so that the face image can be better collected.
  • the multi-degree of freedom clip module 33 can also be 0 degrees of freedom, fixed to a position toward a medium height face.
  • the application client of this step can also collect the geographic location of the in-vehicle user at the endpoint of the riding route. For example, when the user gets off the vehicle, the APP can transmit the located geographical location to the server 13 in the background.
  • the server 13 can store the geographical location of the APP transmission in association with the user's face image, see the example in FIG. Many people, from Monday to Friday, always have a three-point line, basically getting on and off at a relatively stable position, which is easy to count. However, there are many people getting on and off at the same location, so there may be more than one face image corresponding to the same geographical location.
  • the geographical location A-image set a image in Figure 1 shows the geographical location.
  • the image set a includes face images of a plurality of users.
  • the geographic location B-image set b image is another set of associations, which is indicated at the geographic location B. Users corresponding to each face image in the image set b often get on and off the vehicle.
  • step 202 according to the geographic location, an image set associated with the geographic location is obtained from an image database, the image set including face images respectively belonging to a plurality of users.
  • the image set associated with the geographic location can be obtained from the stored image database. That is, at the geographic location, the user corresponding to each face image in the image set often gets on and off the vehicle, and the current in-vehicle user may be one of these people, and the identity of the current in-vehicle user may be identified through step 203. .
  • step 203 the face image of the in-vehicle user is compared with each face image in the image set, the identity of the in-vehicle user is identified, and a debit account corresponding to the in-vehicle user is obtained.
  • This step uses the face recognition technology to identify which of the face images in the image set obtained in step 202 is the current in-vehicle user.
  • the individual face images in the image database may be collected by the in-vehicle user in advance when registering the in-vehicle payment application, and the user may also store his own debit account, age, name, and associated with the face image when registering. Personal information such as occupation.
  • this step by comparing the face images, it can be known which face image of the current car user is in the image set, that is, the identity of the user is obtained, and the corresponding debit account is obtained.
  • the server in order to make the face images of this step match, the number of images in the image set is less, so as to improve the efficiency of the comparison, the geographical location of the in-vehicle user can be more refined.
  • the server when the server acquires the geographic location of the in-vehicle user in step 201, the server can not only receive the location of the location sent by the APP, but also locate the obtained location information in combination with other methods.
  • the server can not only receive the location of the location sent by the APP, but also locate the obtained location information in combination with other methods.
  • the inbound point reports the connection information to the server, and then the server determines the geographical location of the in-vehicle user according to the location of the network access point to which the smart terminal is connected, assists the user in the location of the APP at the time of the taxi.
  • the geographical location thus determined can be more refined, and the location of the network access point described above can be within a predetermined range around the endpoint of the riding route, for example, within a range of 200 meters in the peripheral diameter of the user's boarding location.
  • the refinement of the positioning position helps to reduce the number of images in the image set and improve the face recognition efficiency.
  • the face image in the image database when the face image in the image database is stored, it can be stored in a more detailed geographical location.
  • the above-mentioned intelligent terminal of the in-vehicle user is the user's own terminal, such as the user's own mobile phone, and the in-vehicle intelligent terminal in this example, such as the smart phone 31 carried on the base 32 shown in FIG. 3 is not
  • the car user can be a mobile phone provided by the driver, and the two smart terminals are different terminals.
  • step 204 the ride fee of the ride is deducted from the charge account.
  • the user's debit account can be deducted.
  • an exemption limit payment can be made.
  • the password can be paid in addition; in addition, some security measures can be assisted in the payment, for example, when the payment is forbidden, the voice of the vehicle user can be collected. Pattern, when the collected voiceprint is consistent with the voiceprint pre-registered by the user, it is confirmed that the user is himself, and the allowance is allowed to be paid.
  • the in-vehicle payment method and device of the present example obtains the identity of the user by performing face recognition on the in-vehicle user, thereby automatically deducting the fare of the fare, so that the payment when traveling by car is more convenient, even if the user does not bring the mobile phone and the wallet. You can also deduct the fare.
  • the application of the present disclosure on the vehicle can be further enriched.
  • the example illustrated in FIG. 3 may be referred to as an in-vehicle payment system, which may include a base 32 disposed therein in a vehicle occupied by the user, and a smart terminal 31 carried on the base 32.
  • a client of the in-vehicle payment application is installed on the smart terminal 31, and the application can execute the above-described in-vehicle payment method of the present disclosure.
  • the base can be designed, as shown in FIG. 4, the base can include the following modules:
  • the power supply module 41 is configured to draw a 5V DC power source from the vehicle battery.
  • the first charging module 42 is connected to the power supply module 41 for charging the smart terminal on the base, and specifically for charging the smart phone fixed on the N-degree-of-freedom clip module.
  • the second charging module 43 is connected to the power supply module 41 for charging other smart terminals, for example, can charge the smartphone of the vehicle passenger, and can include an insertion detection circuit that automatically starts charging the passenger's mobile phone when the passenger's mobile phone is inserted. .
  • the base has the function of a charger, which greatly facilitates the charging of the user who takes the taxi.
  • the smart terminal may further include: a car audio control module 44 for pushing audio on the in-vehicle payment application of the smart phone to the vehicle audio 45.
  • a car audio control module 44 for pushing audio on the in-vehicle payment application of the smart phone to the vehicle audio 45.
  • the smart phone can push the audio of the passenger on-demand to the vehicle audio 45 through the car audio control module 44 for playing.
  • the car audio control module 44 can be pushed by FM transmission, or by Bluetooth to Aux IN. This design allows passengers to control the content of the taxi audio, to order on demand, and to change the traditional way that can only be controlled by the driver, thus making the passenger's ride experience better.
  • the captured face image of the in-vehicle user can also be fully utilized.
  • the background server 13 can obtain the user attribute characteristics of the in-vehicle user according to the face image, such as the gender, age, etc. of the user, and according to the The attribute feature pushes the corresponding advertisement to the APP.
  • the APP For example, if it is a female passenger, it can push advertisements for cosmetics and clothes, and if it is an elderly passenger, it can push health and health-related advertisements.
  • This kind of advertisement push method can make the advertisement push more precise, and the APP can be superimposed on the floating layer without affecting the user's entertainment.
  • the in-vehicle payment system of the present disclosure can be a system integrating payment and entertainment, which can not only automatically complete the payment of the fare by recognizing the face image, but also charge the in-vehicle user, and can be based on the recognized face.
  • the advertisement is accurately pushed to the in-vehicle user, and the user can also play the entertainment content on the vehicle audio, which can make the user experience better when riding.
  • the entertainment mode has changed, there is no need to install the display screen behind the co-pilot's seat, which saves the cost, does not pose a safety hazard to the rear passengers, and the passenger's entertainment More initiative, you can choose the content that you are interested in, it will increase the interest of passengers on the car; on the other hand, from the advertising push, the existing way to play the screen behind the co-pilot seat is more blind, no Targeted, and the method of this example can make different advertisements for different passengers by collecting faces, so that the advertisement push is more effective; on the other hand, from the payment method, the user does not need to be cumbersome to operate, the server Automatic payment can be done by collecting face recognition users.
  • each step in the above-described flow shown in FIG. 2 is not limited to the order in the flowchart.
  • the description of each step may be implemented in the form of software, hardware or a combination thereof, for example, a person skilled in the art may implement it in the form of software code, and may be a computer executable computer capable of implementing the logic function corresponding to the step. instruction.
  • the executable instructions can be stored in a memory and executed by a processor in the device.
  • the present disclosure also provides an apparatus, which may include a processor, a memory, wherein the processor and the memory are typically connected to each other by an internal bus.
  • the device may also include an external interface to enable communication with other devices or components.
  • the memory stores control logic for in-vehicle payment, computer instructions stored on the memory and operable on the processor, and the processor is configured to implement control logic for in-vehicle payment by executing the instruction, the control logic
  • the functionally divided logical module may be the one shown in FIG.
  • the device for in-vehicle payment may include: a data acquisition module 51, an image acquisition module 52, an identity recognition module 53, and a charge processing module 54.
  • a data acquisition module 51 configured to acquire a face image of the in-vehicle user, and a geographic location of the in-vehicle user at the end of the riding route;
  • An image obtaining module 52 configured to acquire, according to the geographic location, an image set associated with the geographic location from an image database, where the image set includes face images respectively belonging to multiple users;
  • the identification module 53 is configured to compare the face image of the in-vehicle user with each face image in the image set, identify the identity of the in-vehicle user, and obtain a debit account corresponding to the in-vehicle user;
  • the deduction processing module 54 is configured to deduct the ride fee of the ride from the deduction account.
  • the data obtaining module 51 when acquiring the geographic location of the in-vehicle user at the endpoint of the riding route, includes: acquiring a geographic location when the in-vehicle user collected by the application client gets on the vehicle, the application client The smart terminal on which the operation is located is placed inside the vehicle of the in-vehicle user.
  • the apparatus may further include: a feature acquisition module 55 and an advertisement push module 56.
  • a feature acquiring module 55 configured to obtain a user attribute feature of the in-vehicle user according to the face image of the in-vehicle user;
  • the advertisement pushing module 56 is configured to push an advertisement corresponding to the user attribute feature to the application client.
  • the data obtaining module 51 when used to obtain the geographic location of the in-vehicle user at the endpoint of the riding route, includes: determining the in-vehicle user according to the location of the network access point to which the in-vehicle user's smart terminal is connected The geographic location, the network access point location is within a predetermined range of perimeters of the endpoints of the ride.
  • the password input process shown in FIG. 2 may also be included in a computer readable storage medium on which machine readable instructions corresponding to the in-vehicle payment control logic are stored, and the media may be connected to a processing device that executes the instructions.
  • the instructions stored on the medium can be executed by the processing device.
  • the machine readable instructions corresponding to the in-vehicle payment control logic stored on the medium are configured to: obtain a face image of the in-vehicle user, and a geographic location of the in-vehicle user at the end of the riding route; according to the geographic location, Acquiring a set of images associated with the geographic location from an image database, the image set including face images respectively belonging to a plurality of users; performing a face image of the in-vehicle user with each face image in the image set Comparing, identifying the identity of the in-vehicle user, and obtaining a debit account corresponding to the in-vehicle user; and deducting the ride fee of the ride from the debit account.
  • the computer readable storage medium may be in various forms, for example, in different examples, the machine readable storage medium may be: RAM (Radom Access Memory), volatile memory, Non-volatile memory, flash memory, storage drives (such as hard drives), solid state drives, any type of storage disk (such as optical disks, dvd, etc.), or similar storage media, or a combination thereof.
  • the computer readable medium can also be paper or other suitable media capable of printing a program. Using these media, these programs can be acquired electronically (eg, optically scanned), can be compiled, interpreted, and processed in a suitable manner and then stored in a computer medium.
  • the apparatus or module illustrated in the above embodiments may be implemented by a computer chip or an entity, or by a product having a certain function.
  • a typical implementation device is a computer, and the specific form of the computer may be a personal computer, a laptop computer, a cellular phone, a camera phone, a smart phone, a personal digital assistant, a media player, a navigation device, an email transceiver, and a game control.
  • the biometric identification may be assisted to ensure that the user himself is performing the fee deduction.
  • the biometric identification may be used to trigger the user's own permission confirmation for the ride fee deduction operation, and the biometrics involved in the biometric identification may include eye features, voiceprints, fingerprints, palm prints, heartbeats, Pulse, chromosome, DNA, human bite marks, etc.; wherein the eye lines may include biological features such as iris and sclera.
  • the user's voiceprint can be identified, and the ride fee is deducted when the voiceprint matches the pre-registered voiceprint.

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Abstract

本公开提供一种车载支付方法和装置，其中方法包括：获取车载用户的人脸图像、以及所述车载用户在乘车路线端点的地理位置；根据所述地理位置，由图像数据库中获取与所述地理位置关联的图像集，所述图像集包括分别属于多个用户的人脸图像；将所述车载用户的人脸图像与所述图像集中的各人脸图像进行比对，识别所述车载用户的身份，并得到所述车载用户对应的扣费账户；由所述扣费账户中，扣除本次乘车的乘车费用。本公开使得乘车出行时的付款更加便利，即使用户没有带手机和钱包，也可以进行车费扣款。

Description

一种车载支付的方法和装置 技术领域
本公开涉及网络技术领域，特别涉及一种车载支付的方法和装置。
背景技术
随着互联网技术的快速发展，出租车行业的运营方式也在发生变化。比如，当前人们在乘坐出租车时，可以使用打车软件进行打车，并且还可以使用打车软件在下车后付款，已经为人们的出行提供了很大的便利。但是，这种方式仍然需要用户携带自己的手机或者钱包，并且还需要在手机上安装打车软件进行打车和付款的相关操作，否则，无法便捷的进行打车。
发明内容
有鉴于此，本公开提供一种车载支付方法和装置，以使得乘车出行时的付款更加便利。
具体地，本公开是通过如下技术方案实现的：
第一方面，提供一种车载支付的方法，所述方法包括：
获取车载用户的人脸图像、以及所述车载用户在乘车路线端点的地理位置；
根据所述地理位置，由图像数据库中获取与所述地理位置关联的图像集，所述图像集包括分别属于多个用户的人脸图像；
将所述车载用户的人脸图像与所述图像集中的各人脸图像进行比对，识别所述车载用户的身份，并得到所述车载用户对应的扣费账户；
由所述扣费账户中，扣除本次乘车的乘车费用。
第二方面，提供一种车载支付的系统，所述系统包括：
设置在用户所乘车辆内的底座；
所述底座上承载一个智能终端，所述智能终端上安装有车载支付应用，所 述车载支付应用用于执行本公开所述的车载支付方法。
第三方面，提供一种车载支付的装置，所述装置包括：
数据获取模块，用于获取车载用户的人脸图像、以及所述车载用户在乘车路线端点的地理位置；
图像获取模块，用于根据所述地理位置，由图像数据库中获取与所述地理位置关联的图像集，所述图像集包括分别属于多个用户的人脸图像；
身份识别模块，用于将所述车载用户的人脸图像与图像集中的各人脸图像进行比对，识别所述车载用户的身份，并得到所述车载用户对应的扣费账户；
扣费处理模块，用于由所述扣费账户中，扣除本次乘车的乘车费用。
本公开的车载支付方法和装置，通过对车载用户进行人脸识别，得到该用户的身份，从而自动进行车费扣款，使得乘车出行时的付款更加便利，即使用户没有带手机和钱包，也可以进行车费扣款。
附图说明
图1是本公开实施例提供的一个车载支付的应用场景图；
图2是本公开实施例提供的一个车载支付的流程图；
图3是本公开实施例提供的一种手机放置方式示意图；
图4是本公开实施例提供的一种底座结构示意图；
图5是本公开实施例提供的一种车载支付装置的结构示意图；
图6是本公开实施例提供的一种车载支付装置的结构示意图。
具体实施方式
本公开例子中提供的车载支付方法，例如可以应用于出租车的付费。
请参见图1示例的应用场景，以出租车为例进行描述，一个出租车11内可以安装一个图像采集设备12，该图像采集设备12具有摄像头，可以用于采集乘坐出租车的车载用户的人脸图像。图像采集设备12可以将获取的人脸图像传输至后台的服务器13，由服务器13根据所述人脸图像进行处理，自动完成对车载 用户本次乘车的费用扣除。
图2示例了一个例子中的服务器13执行车载支付的流程：
在步骤201中，获取车载用户的人脸图像、以及所述车载用户在乘车路线端点的地理位置。
例如，图1中的图像采集设备12不仅可以获取车载用户的人脸图像，还可以对用户的地理位置进行定位，得到车载用户在乘车路线端点的地理位置。这里的乘车路线端点，可以是用户上车的地方，或者是用户下车的地方。
此外，本步骤中的服务器13获取到的地理位置，可以是图像采集设备12定位得到，或者也可以是其他的设备采集，可以采用其他的方式获取，只要服务器13能够得到该位置即可。
在一个示例性的例子中，图像采集设备12可以是一个智能终端，例如，智能手机。该智能手机可以是由出租车的司机提供，可以将该手机设置在车辆内的副驾驶的位置，使得该位置可以采集到乘坐出租车的用户的人脸图像即可。图3示例了一种手机放置的方式，智能手机31可以承载在底座32上，将底座32放置在车辆内部的某位置例如副驾驶前方的置物台上。本例子可以利用智能手机31的摄像头来采集车载用户的人脸图像。
如图3所示，智能手机31安装有车载支付应用APP，该APP相当于车载支付应用的应用客户端，该客户端可以将采集的人脸图像传输至后台服务器13。此外，在一个例子中，底座32可以包括一个多自由度夹子模块33，能够灵活的转动，可以在车载支付应用的控制下转动，以使得智能手机的摄像头采集到车载用户的人脸图像。比如，当手机APP在采集图像时发现没有正对人脸，可以控制多自由度夹子模块33转动，以能够较好的采集到人脸图像。在另一个例子中，多自由度夹子模块33也可以是0自由度，固定为朝向中等高度人脸的位置。
本步骤的应用客户端还可以采集车载用户在乘车路线端点的地理位置，例如，当用户下车时，APP可以将定位得到的地理位置传输至后台的服务器13。服务器13可以将APP传输的地理位置与用户的人脸图像关联存储，参见图1中的示例。很多人周一到周五，总是三点一线的位置，基本上在相对稳定的位 置上下车，容易统计。但是，在同一个位置处，上下车的人很多，所以对应同一个地理位置的人脸图像也可能会有多个，图1示例的“地理位置A-图像集a像，即表示在地理位置A这个地方上下车的用户有多个，图像集a中包括多个用户的人脸图像。同理，“地理位置B-图像集b像则是另一组关联关系，表示在地理位置B处会有图像集b中的各个人脸图像对应的用户经常上下车。
在步骤202中，根据所述地理位置，由图像数据库中获取与所述地理位置关联的图像集，所述图像集包括分别属于多个用户的人脸图像。
在步骤201中确定车载用户的地理位置的基础上，可以由存储的图像数据库中，得到该地理位置关联的图像集。即，在该地理位置处，存在所述图像集中的各个人脸图像对应的用户经常上下车，那么当前的车载用户可能是这些人中的其中一个，可以通过步骤203识别到当前车载用户的身份。
在步骤203中，将所述车载用户的人脸图像与所述图像集中的各人脸图像进行比对，识别所述车载用户的身份，并得到所述车载用户对应的扣费账户。
本步骤采用人脸识别技术，识别到当前的车载用户是步骤202中得到的图像集中的哪一个人脸图像。而图像数据库中的各个人脸图像，可以是车载用户预先在车载支付应用注册时采集得到，并且，用户在注册时还可以与人脸图像一并关联存储自己的扣费账户、年龄、姓名、职业等个人信息。本步骤通过人脸图像的比对，就可以知道当前的车载用户是图像集中的哪一个人脸图像，即获知该用户的身份，并得到对应的扣费账户，
在一个例子中，为了使得本步骤的人脸图像比对时，图像集中的图像数量少一些，以提高比对的效率，可以将车载用户的地理位置定位的更加细化。例如，在步骤201中服务器获取车载用户的地理位置时，不仅可以接收APP发送的定位位置，还可以结合其他方式定位得到的位置信息。比如，车载用户上下车的地方周围可能会有一些网络接入点，例如，蓝牙、wifi等，用户的智能终端可以连接上这些网络接入点，并且可以由用户的智能终端或者所述网络接入点将连接信息上报至服务器，再由服务器根据智能终端所连接的网络接入点位置，辅助用户在出租车时的APP定位位置，确定车载用户的地理位置。这样确定的 地理位置可以更加细化，上述的网络接入点的位置可以在乘车路线端点的周边预定范围内，例如可以是在用户上车地点的周边直径200米范围内。定位位置的细化有助于减少图像集的图像数量，提高人脸识别效率，对应的，图像数据库中的人脸图像存储时，可以关联更加细化的地理位置进行存储。需要说明的是，上述的车载用户的智能终端是用户自己的终端，比如用户自己的手机，而本例子中的车载的智能终端，比如图3中所示在底座32上承载的智能手机31不是车载用户的，可以是司机提供的手机，这两个智能终端是不同的终端。
在步骤204中，由所述扣费账户中，扣除本次乘车的乘车费用。
本步骤中，可以由用户的扣费账户扣费。另外，由于出租车的费用不是太高，可以进行免密的限额支付。在一个例子中，如果用户希望得到允许才能扣费，也可以进行密码输入的支付；此外，在支付时还可以辅助一些加强安全的措施，比如，当免密支付时，可以采集车载用户的声纹，当采集声纹与用户预先注册的声纹一致时，确认是用户本人，允许免密限额支付。
本例子的车载支付方法和装置，通过对车载用户进行人脸识别，得到该用户的身份，从而自动进行车费扣款，使得乘车出行时的付款更加便利，即使用户没有带手机和钱包，也可以进行车费扣款。
在另一个例子中，还可以对本公开在车载上的应用更加丰富化。例如，图3中所示例的可以称为一个车载支付系统，该系统可以包括其中的设置在用户所乘车辆内的底座32、以及该底座32上承载的智能终端31。该智能终端31上安装有车载支付应用的客户端，该应用可以执行本公开上述的车载支付方法。
例如，可以对底座进行设计，如图4所示，该底座可以包括如下几个模块：
供电模块41，用于由车辆电池引出5V的直流电源。
第一充电模块42，与供电模块41连接，用于为底座上的智能终端充电，具体可以是为固定在N自由度夹子模块上的智能手机充电。
第二充电模块43，与供电模块41连接，用于为其他智能终端充电，例如可以为车载乘客的智能手机充电，可以包含插入检测电路，当乘客的手机插入时将自动启动为乘客的手机充电。这样底座就兼具了充电器的功能，极大了方便 了乘坐出租车的用户的充电。
又例如，还可以在智能终端包括：车载音响控制模块44，用于将智能手机的车载支付应用上的音频推送至车辆音响45。乘客上车后，可以在智能手机上点播一些音乐、视频等娱乐内容，智能手机可以通过车载音响控制模块44将乘客点播的音频推送到车辆音响45进行播放。比如，车载音响控制模块44可以通过FM发射，或者蓝牙转Aux IN等方式进行推送。这种设计使得乘客可以对出租车音响的播放内容进行控制，能够点播，改变了传统的只能由司机控制的方式，从而使得乘客的乘车体验更好。
再例如，还可以充分利用采集的车载用户的人脸图像，如图4所示，后台服务器13可以根据人脸图像得到车载用户的用户属性特征，比如，用户的性别、年龄等，并根据该属性特征向APP推送对应的广告。例如，如果是女性的乘客，可以推送一些化妆品和衣服的广告，如果是老年乘客，可以推送养生和保健相关的广告。这种广告推送方式可以使得广告推送更加精准，并且，APP播放广告时可以是浮层叠加，不影响用户娱乐。
由上可以看到，本公开的车载支付系统可以是一个集支付和娱乐一体的系统，不仅能够通过识别人脸图像自动完成车费的支付，还可以为车载用户充电，可以根据识别的人脸向车载用户准确的推送广告，而且用户还可以点播娱乐内容在车辆音响播放，这样可以使得用户在乘车时的体验更好。
相对于现有技术来说，一方面，娱乐方式发生了变化，不需要再在副驾驶的座椅后边安装显示屏幕，节省了成本，也不会对后排乘客造成安全隐患，而且乘客的娱乐更具主动性，可以选择自己感兴趣的内容，会提高乘客乘车的兴趣；另一方面，从广告推送来说，现有方式中在副驾驶座椅后边的屏幕播放的广告比较盲目，没有针对性，而本例子的方式可以通过采集人脸，对不同的乘客推送不同的广告，从而使得广告推送更有效果；再一方面，从付款方式来说，用户不需要再繁琐的操作，服务器可以通过采集人脸识别用户完成自动付款。
上述图2所示流程中的各个步骤，其执行顺序不限制于流程图中的顺序。此外，各个步骤的描述，可以实现为软件、硬件或者其结合的形式，例如，本 领域技术人员可以将其实现为软件代码的形式，可以为能够实现所述步骤对应的逻辑功能的计算机可执行指令。当其以软件的方式实现时，所述的可执行指令可以存储在存储器中，并被设备中的处理器执行。
例如，对应于上述方法，本公开同时提供一种设备，该设备可以包括处理器、存储器，其中，处理器和存储器通常借由内部总线相互连接。在其他可能的实现方式中，所述设备还可能包括外部接口，以能够与其他设备或者部件进行通信。进一步地，存储器上存储有车载支付的控制逻辑，存储在存储器上并可在处理器上运行的计算机指令，所述处理器通过执行所述指令，用于实现车载支付的控制逻辑，该控制逻辑从功能上划分的逻辑模块，可以是图5所示的的结构。如图5所示，该车载支付的装置可以包括：数据获取模块51、图像获取模块52、身份识别模块53和扣费处理模块54。
数据获取模块51，用于获取车载用户的人脸图像、以及所述车载用户在乘车路线端点的地理位置；
图像获取模块52，用于根据所述地理位置，由图像数据库中获取与所述地理位置关联的图像集，所述图像集包括分别属于多个用户的人脸图像；
身份识别模块53，用于将所述车载用户的人脸图像与图像集中的各人脸图像进行比对，识别所述车载用户的身份，并得到所述车载用户对应的扣费账户；
扣费处理模块54，用于由所述扣费账户中，扣除本次乘车的乘车费用。
在一个例子中，数据获取模块51，在用于获取所述车载用户在乘车路线端点的地理位置时，包括：获取应用客户端采集的车载用户上车时的地理位置，所述应用客户端运行所在的智能终端设置在所述车载用户的所乘车辆内部。
在一个例子中，如图6所示，该装置还可以包括：特征获取模块55和广告推送模块56。
特征获取模块55，用于根据所述车载用户的人脸图像，得到所述车载用户的用户属性特征；
广告推送模块56，用于向应用客户端推送与所述用户属性特征对应的广告。
在一个例子中，数据获取模块51，在用于获取所述车载用户在乘车路线端 点的地理位置时，包括：根据所述车载用户的智能终端所连接的网络接入点位置，确定车载用户的地理位置，所述网络接入点位置在所述乘车路线端点的周边预定范围内。
此外，图2所示的密码输入流程还可以被包括在计算机可读存储介质中，所述介质上存储有车载支付控制逻辑对应的机器可读指令，并且这些介质可以与执行指令的处理设备连接，介质上存储的所述指令能够被处理设备执行。所述介质上存储的车载支付控制逻辑对应的机器可读指令用于实现如下操作：获取车载用户的人脸图像、以及所述车载用户在乘车路线端点的地理位置；根据所述地理位置，由图像数据库中获取与所述地理位置关联的图像集，所述图像集包括分别属于多个用户的人脸图像；将所述车载用户的人脸图像与所述图像集中的各人脸图像进行比对，识别所述车载用户的身份，并得到所述车载用户对应的扣费账户；由所述扣费账户中，扣除本次乘车的乘车费用。
在本公开中，计算机可读存储介质可以是多种形式，比如，在不同的例子中，所述机器可读存储介质可以是：RAM(Radom Access Memory，随机存取存储器)、易失存储器、非易失性存储器、闪存、存储驱动器(如硬盘驱动器)、固态硬盘、任何类型的存储盘(如光盘、dvd等)，或者类似的存储介质，或者它们的组合。特殊的，所述的计算机可读介质还可以是纸张或者其他合适的能够打印程序的介质。使用这些介质，这些程序可以被通过电学的方式获取到(例如，光学扫描)、可以被以合适的方式编译、解释和处理，然后可以被存储到计算机介质中。
上述实施例阐明的装置或模块，具体可以由计算机芯片或实体实现，或者由具有某种功能的产品来实现。一种典型的实现设备为计算机，计算机的具体形式可以是个人计算机、膝上型计算机、蜂窝电话、相机电话、智能电话、个人数字助理、媒体播放器、导航设备、电子邮件收发设备、游戏控制台、平板计算机、可穿戴设备或者这些设备中的任意几种设备的组合。
为了描述的方便，描述以上装置时以功能分为各种模块分别描述。当然，在实施本公开时可以把各模块的功能在同一个或多个软件和/或硬件中实现。
本申请实施例中在确定车载用户的身份后进行乘车费用的扣除时，为了进一步加强用户资金的安全性，可以辅助生物识别来保证用户本人在进行费用扣除。比如，可以通过生物识别来触发用户本人对本次乘车费用扣除操作的允许确认，而所述的生物识别所涉及的生物特征，可以包括眼部特征、声纹、指纹、掌纹、心跳、脉搏、染色体、DNA、人牙咬痕等；其中眼纹可以包括虹膜、巩膜等生物特征。比如，可以通过识别用户的声纹，当声纹与预先注册的声纹一致时，扣除乘车费用。
以上所述仅为本公开的较佳实施例而已，并不用以限制本公开，凡在本公开的精神和原则之内，所做的任何修改、等同替换、改进等，均应包含在本公开保护的范围之内。

Claims (14)

  1. 一种车载支付的方法，所述方法包括：
    获取车载用户的人脸图像、以及所述车载用户在乘车路线端点的地理位置；
    根据所述地理位置，由图像数据库中获取与所述地理位置关联的图像集，所述图像集包括分别属于多个用户的人脸图像；
    将所述车载用户的人脸图像与所述图像集中的各人脸图像进行比对，识别所述车载用户的身份，并得到所述车载用户对应的扣费账户；
    由所述扣费账户中，扣除本次乘车的乘车费用。
  2. 根据权利要求1所述的方法，所述获取所述车载用户在乘车路线端点的地理位置，包括：
    获取应用客户端采集的车载用户上车时的地理位置，所述应用客户端运行所在的智能终端设置在所述车载用户的所乘车辆内部。
  3. 根据权利要求2所述的方法，所述方法还包括：
    根据所述车载用户的人脸图像，得到所述车载用户的用户属性特征；
    向所述应用客户端推送与所述用户属性特征对应的广告。
  4. 根据权利要求1所述的方法，所述获取所述车载用户在乘车路线端点的地理位置，包括：
    根据所述车载用户的智能终端所连接的网络接入点位置，确定所述车载用户的地理位置，所述网络接入点位置在所述乘车路线端点的周边预定范围内。
  5. 根据权利要求1所述的方法，所述方法还包括：
    获取车载用户在乘车路线端点的地理位置；
    将所述地理位置与所述车载用户的人脸图像关联存储。
  6. 一种车载支付的系统，所述系统包括：
    设置在用户所乘车辆内的底座；
    所述底座上承载一个智能终端，所述智能终端上安装有车载支付应用，所述车载支付应用用于执行如权利要求1～5任一所述的车载支付方法。
  7. 根据权利要求6所述的系统，所述底座上包括：
    供电模块，用于由车辆电池引出电源；
    第一充电模块，与所述供电模块连接，用于为所述底座上的智能终端充电；
    第二充电模块，与所述供电模块连接，用于为其他智能终端充电。
  8. 根据权利要求6所述的系统，所述底座包括：
    用于固定所述智能终端的多自由度夹子模块，所述多自由度夹子模块用于在所述车载支付应用的控制下转动，以使得所述智能终端的摄像头采集到车载用户的人脸图像。
  9. 根据权利要求6所述的系统，所述智能终端，包括：
    车载音响控制模块，用于将所述车载支付应用上的音频推送至车辆音响。
  10. 根据权利要求6所述的系统，所述底座设置在车辆的副驾驶位置。
  11. 一种车载支付的装置，所述装置包括：
    数据获取模块，用于获取车载用户的人脸图像、以及所述车载用户在乘车路线端点的地理位置；
    图像获取模块，用于根据所述地理位置，由图像数据库中获取与所述地理位置关联的图像集，所述图像集包括分别属于多个用户的人脸图像；
    身份识别模块，用于将所述车载用户的人脸图像与图像集中的各人脸图像进行比对，识别所述车载用户的身份，并得到所述车载用户对应的扣费账户；
    扣费处理模块，用于由所述扣费账户中，扣除本次乘车的乘车费用。
  12. 根据权利要求11所述的装置，所述数据获取模块，在用于获取所述车载用户在乘车路线端点的地理位置时，包括：获取应用客户端采集的车载用户上车时的地理位置，所述应用客户端运行所在的智能终端设置在所述车载用户的所乘车辆内部。
  13. 根据权利要求12所述的装置，所述装置还包括：
    特征获取模块，用于根据所述车载用户的人脸图像，得到所述车载用户的用户属性特征；
    广告推送模块，用于向应用客户端推送与所述用户属性特征对应的广告。
  14. 根据权利要求11所述的装置，所述数据获取模块，在用于获取所述车载用户在乘车路线端点的地理位置时，包括：根据所述车载用户的智能终端所连接的网络接入点位置，确定车载用户的地理位置，所述网络接入点位置在所述乘车路线端点的周边预定范围内。
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