In-vehicle payment system and method

Abstract

The present disclosure provides an in-vehicle payment system and method. The in-vehicle payment system includes: a first communication device configured to communicate with a payment terminal; a payment device configured to provide payment method information; and a vehicle body controller configured to, upon receiving the payment information from the payment terminal, utilize the payment method information to execute payment processing in conjunction with the payment terminal.

Description

[0001] CROSS-REFERENCE TO RELATED APPLICATIONS

[0002] This application claims priority to and the benefit of Korean Patent Application No. 10-2019-0114881, filed on September 18, 2019, which is hereby incorporated by reference herein in its entirety. Technical Field

[0003] The present disclosure relates to an in-vehicle payment system and method. Background Art

[0004] The statements in this section merely provide background information related to the present disclosure and may not constitute prior art.

[0005] With the development of vehicle information technology (IT), vehicles are not only a means of transportation but also provide various functions for user convenience. For example, there is a digital key system that uses mobile devices such as smartphones, wearable devices, and electronic keys (FOBs) to support functions such as getting in and out of the vehicle (i.e., locking and unlocking the doors) and starting the vehicle. Digital key systems use ultra-wideband (UWB) communication to perform digital key authentication. Digital keys can be downloaded to mobile devices in the form of applications (apps) and used.

[0006] In addition, e-commerce functions such as payment through navigation, AVN (audio video navigation), etc. installed in the vehicle or by accessing the Internet have been applied. When payment is required while driving, such as when refueling at a gas station, when paying for parking when leaving a parking lot, or when purchasing items at a drive-through store, the driver must find a payment method (e.g., a debit card, cash, etc.) in a wallet, bag, etc., and pay in the vehicle or pay after getting out of the vehicle, so instant payment is difficult.

[0007] Furthermore, when a driver prepares a payment means for instant payment when paying in a vehicle, the driver's attention may be distracted and a safety problem may occur. Summary of the Invention

[0008] An aspect of the present disclosure provides an in-vehicle payment system and method for performing secure and instant payment using ultra-wideband (UWB) communication.

[0009] The technical problems to be solved by the present inventive concept are not limited to the above-mentioned problems, and any other technical problems not mentioned herein will be clearly understood by those skilled in the art to which the present disclosure pertains from the following description.

[0010] According to one aspect of the present disclosure, an in-vehicle payment system includes: a first communication device that performs secure communication with a payment terminal; a payment device that provides payment means information; and a vehicle body controller that, when receiving payment information from the payment terminal, uses the payment means information to perform payment processing in conjunction with the payment terminal.

[0011] In one form of the present disclosure, the first communication device may utilize ultra-wideband (UWB) communication as secure communication.

[0012] In one form of the present disclosure, the first communication means may utilize at least one of Bluetooth, near field communication (NFC), and low frequency (LF) communication.

[0013] In one form of the present disclosure, the vehicle body controller may measure the vehicle position through secure communication, and when the error between the vehicle position and the designated position is within a tolerance range, the vehicle body controller outputs payment information to a user interface.

[0014] In one form of the present disclosure, the designated location may be one of a refuelable location, a parking location, and a location for receiving ordered items.

[0015] In one form of the present disclosure, when the error between the vehicle position and the designated position exceeds a tolerance range and is within a safe communication range, the vehicle body controller may perform pre-payment processing in conjunction with the payment terminal using payment means information.

[0016] In one form of the present disclosure, the in-vehicle payment system may further include: a second communication device that performs wireless communication with the mobile terminal.

[0017] In one form of the present disclosure, the vehicle body controller may obtain payment means information from the mobile terminal via the second communication device.

[0018] In one form of the present disclosure, the vehicle body controller may perform payment processing at a time point when at least one of refueling completion, leaving the parking lot, and receiving the ordered items is satisfied.

[0019] In one form of the present disclosure, the vehicle body controller may receive a parking meter and absolute location information of the payment terminal from a payment terminal to calculate an expected parking fee and a parking location.

[0020] In one form of the present disclosure, the vehicle body controller may transmit the expected parking fee and parking location to a mobile terminal matched with the vehicle.

[0021] According to another aspect of the present disclosure, an in-vehicle payment method includes: a vehicle body controller receiving payment information from a payment terminal based on secure communication; the vehicle body controller acquiring payment means information; and the vehicle body controller performing payment processing in linkage with the payment terminal using the payment means information.

[0022] In one form of the present disclosure, secure communication may be implemented as ultra-wideband (UWB) communication.

[0023] In one form of the present disclosure, the method may further include: after receiving the payment information, the body controller measures the vehicle position through secure communication; and when the error between the vehicle position and the designated position is within a tolerance range, outputting the payment information to the user interface.

[0024] In one form of the present disclosure, the designated location may be one of a refuelable location, a parking location, and a location for receiving ordered items.

[0025] In one form of the present disclosure, the method may further include: after receiving the payment information, when the error between the vehicle position and the designated position exceeds the tolerance range and is within the safe communication range, the body controller uses the payment means information to perform pre-payment processing in conjunction with the payment terminal.

[0026] In one form of the present disclosure, acquiring the payment means information may include acquiring the payment means information from a payment device installed in the vehicle or a mobile terminal of a passenger in the vehicle.

[0027] In one form of the present disclosure, performing the payment process may include performing the payment process at a time point when at least one of refueling completion, leaving the parking lot, and receiving the ordered items is satisfied.

[0028] Further areas of applicability will become apparent from the description provided herein.It should be understood that the description and specific examples are intended for purposes of illustration only and are not intended to limit the scope of the present disclosure. BRIEF DESCRIPTION OF THE DRAWINGS

[0029] In order that the present disclosure may be fully understood, various forms of the present disclosure, given by way of example, will now be described with reference to the accompanying drawings, in which:

[0030] Figure 1 is a block diagram of an in-vehicle payment system in one form of the present disclosure;

[0031] Figure 2 is an example illustrating a payment process in one form of the present disclosure;

[0032] Figure 3 is another example illustrating a payment process in one form of the present disclosure;

[0033] Figure 4 is a flowchart illustrating an in-vehicle payment method in the first form of the present disclosure;

[0034] Figure 5is a flowchart illustrating an in-vehicle payment method in a second form of the present disclosure;

[0035] Figure 6 is a flow chart illustrating a parking fee notification service method in one form of the present disclosure;

[0036] Figure 7 is a flowchart showing an in-vehicle payment method in the third form of the present disclosure; and

[0037] Figure 8 is a block diagram illustrating a computing system for executing an in-vehicle payment method in one form of the present disclosure.

[0038] The drawings described herein are for illustration purposes only and are not intended to limit the scope of the present disclosure in any way. DETAILED DESCRIPTION

[0039] The following description is merely exemplary in nature and is not intended to limit the present disclosure, application, or uses. It should be understood that throughout the drawings, corresponding reference numerals indicate like or corresponding parts and features.

[0040] Hereinafter, some forms of the present disclosure will be described in detail with reference to the exemplary drawings. When adding reference numerals to the components of each drawing, it should be noted that even if the same or equivalent components are shown in other drawings, they are represented by the same reference numerals. In addition, when describing some forms of the present disclosure, if it is determined that the detailed description of the related known configurations or functions hinders the understanding of some forms of the present disclosure, the detailed description of the related known configurations or functions will be omitted.

[0041] When describing some forms of the present disclosure, terms such as "first", "second", "A", "B", "(a)", "(b)", etc. may be used. These terms are intended only to distinguish a component from other components, and these terms do not limit the nature, order or sequence of the components. Unless otherwise defined, all terms used herein, including technical terms and scientific terms, have the same meaning as commonly understood by those skilled in the art to which the present disclosure belongs. It will be further understood that terms such as those defined in general dictionaries should be interpreted as having meanings consistent with the contextual meanings of the relevant art, and will not be interpreted as ideal or overly formal meanings unless expressly defined as such herein.

[0042] Figure 1 is a block diagram of an in-vehicle payment system 100 in some forms of the present disclosure. In addition, Figure 2 is an example illustrating the payment process in some forms of the present disclosure. In addition, Figure 3 is another example illustrating a payment process in some forms of the present disclosure.

[0043] Figure 1 The in-vehicle payment system 100 provides wireless payment services using a digital key system installed in a vehicle. The wireless payment services of the in-vehicle payment system 100 allow the payer (e.g., driver or passenger) of the vehicle to pay for gas, parking, ordering items, etc. without leaving the vehicle.

[0044] The in-vehicle payment system 100 includes a first communication device 110, an authentication device 120, a second communication device 130, a payment device 140, a user interface 150, an air conditioner (air conditioning system) 160, and a vehicle body controller 170, which are connected to each other via an in-vehicle network (IVN). The in-vehicle network can be implemented using at least one of communication technologies such as a controller area network (CAN), a media-oriented systems transport (MOST) network, a local interconnect network (LIN), or Flexray.

[0045] The first communication device 110 allows the in-vehicle payment system 100 to perform secure communication with the payment terminal 200. Here, secure communication is a communication technology used for digital key authentication. Ultra-wideband (UWB) communication or the like can be used as secure communication. UWB communication can be used to measure the position of the vehicle (vehicle position). The payment terminal 200, which is a device capable of wireless and / or wired communication, can be implemented as a point of sale (POS) terminal. Although not shown in the drawings, the payment terminal 200 may include a communication module, a user input module, an output module, a processor, and a memory.

[0046] The first communication device 110 performs short-range wireless communication with the payment terminal 200. At least one of communication technologies such as Bluetooth Low Energy (BLE), low frequency (LF) communication, near field communication (NFC), radio frequency identification (RFID), infrared communication (IrDA), ZigBee, etc. can be used as the short-range communication technology. For example, the first communication device 110 can transmit a UWB communication wake-up request to the payment terminal 200 using Bluetooth and / or LF communication. In addition, the first communication device 110 can also receive authentication information (e.g., a certificate) transmitted from the payment terminal 200.

[0047] The authentication device 120 transmits and receives data requiring security (e.g., certificates) with the payment terminal 200 or the mobile terminal 300 storing the digital key through the first communication device 110. The authentication device 120 performs identity authentication (hereinafter referred to as ID authentication) of the payment terminal 200 and / or the digital key. When a certificate is received from the payment terminal 200 or the mobile terminal 300 storing the digital key, the authentication device 120 performs ID authentication based on the received certificate. The mobile terminal 300, which is a device capable of wireless and / or wired communication, can be implemented as a portable device such as a smart phone, a tablet computer, a personal digital assistant (PDA), a portable multimedia player (PMP), and / or a laptop computer. Although not shown in the drawings, such a mobile terminal 300 may include a communication module, a user input module, an output module, a processor, and a memory.

[0048] The second communication device 130 performs short-range wireless communication with the mobile terminal 300 storing the payment method information. At least one of communication technologies such as Bluetooth, LF communication, NFC, UWB, RFID, etc. can be used as the short-range wireless communication technology. The second communication device 130 can be implemented as a Wireless Power Consortium (WPC) device supporting short-range wireless communication.

[0049] Payment device 140 is installed in the vehicle to read payment method information and transmit the read payment method information to vehicle body controller 170. For example, payment device 140 can be implemented in a form integrated with the vehicle's interior mirror. In other words, payment device 140 is used to provide payment method information. Here, the payment method can be a credit card, cash card, smart card (app card), etc., and the payment method information can include card number, expiration date, biometric information, signature, etc.

[0050] The user interface 150 receives data (information) from the user or outputs progress and results based on the operation of the vehicle body controller 170. The user interface 150 may be implemented as an AVN (Audio Video Navigation), a telematics terminal, or the like.

[0051] The user interface 150 may include a biometric information input device such as a fingerprint sensor and / or an iris sensor, an input device such as a keyboard, buttons and / or switches, and a display device. The display device may include at least one of a liquid crystal display (LCD), a thin film transistor-liquid crystal display (TFT LCD), an organic light emitting diode (OLED) display, a flexible display, a 3D display, a transparent display, a head-up display (HUD), a touch screen, and a cluster instrument panel.

[0052] The user interface 150 can receive biometric information of a user (e.g., a payer), such as a fingerprint or iris, through a biometric information input device. The user interface 150 transmits the received biometric information of the user to the vehicle body controller 170. Furthermore, the user interface 150 can transmit data generated based on user operations to the vehicle body controller 170. For example, the user interface 150 can obtain user input such as selection information of a specific object (e.g., an item to be purchased) and the amount of fuel to be filled through an input device. Furthermore, the user interface 150 can output payment information, payment approval details, and the like in the form of visual, auditory, and / or tactile information.

[0053] The air conditioner 160 is a device for controlling the temperature, humidity, and / or air flow in the vehicle, etc. The air conditioner 160 can switch the operation mode to the in-vehicle air mode or the outside air mode according to the instruction of the vehicle body controller 170 .

[0054] The vehicle body controller 170 is a device for controlling smart keys, door opening and closing, tire pressure, etc. The vehicle body controller 170 obtains payment method information from the payment device 140 or the mobile terminal 300 to perform payment processing. The vehicle body controller 170 includes a processor 171 and a memory 172.

[0055] The processor 171 controls the overall operation of the vehicle body controller 170. The processor 171 may be implemented as at least one of an application specific integrated circuit (ASIC), a digital signal processor (DSP), a programmable logic device (PLD), a field programmable gate array (FPGA), a central processing unit (CPU), a microcontroller, and a microprocessor.

[0056] The memory 172 stores software programmed to cause the processor 171 to perform predetermined operations. The memory 172 can store payment method registration information, vehicle information, etc. Here, the payment method registration information is information pre-stored based on a predetermined registration program and may include payment method identification information (e.g., card number), payment method validity period, user authentication information (payer authentication information), etc. Vehicle information may include vehicle identification number, fuel type (fuel type), etc. The memory 172 can store a digital key authentication program, a user (payer) authentication program, a positioning program, a fee calculation program, etc. The memory 172 can be implemented as at least one of a storage medium (recording medium) such as a flash memory, a hard disk, a secure digital (SD) card, a random access memory (RAM), a static random access memory (SRAM), a read-only memory (ROM), a programmable read-only memory (PROM), an electrically erasable programmable ROM (EEPROM), an erasable programmable ROM (EPROM), a register, a removable disk, or the like.

[0057] The processor 171 of the vehicle body controller 170 measures the vehicle position through the first communication device 110. In other words, the vehicle body controller 170 obtains the position information (absolute position) of the payment terminal 200 from the payment terminal 200 through UWB communication. The payment terminal 200 transmits the position information of the payment terminal 200 to the vehicle that enters the range (area) where UWB communication is possible. The vehicle body controller 170 calculates the relative position of the vehicle (i.e., the vehicle position) based on the position of the payment terminal 200. That is, the processor 171 can calculate the distance between the vehicle, i.e., the on-board payment system 100, and the payment terminal 200, and estimate the vehicle position based on the calculated distance. The processor 171 can use triangulation and / or time of flight technology (ToF) to measure the vehicle position (the distance between the vehicle and the payment terminal).

[0058] Processor 171 can calculate the error between the vehicle's location and a designated location. The designated location can be one of a refueling location, a parking location, and a location to receive ordered items (purchased items). Processor 171 determines whether the error between the vehicle's location and the designated location is within a tolerance range. The tolerance range is pre-set by the system designer.

[0059] When the error between the vehicle position and the designated location is within the tolerance range, the processor 171 identifies the payment information and performs payment processing using the payment means information. The processor 171 can obtain the payment information from the payment terminal 200 before or after the vehicle arrives at the designated location. When the vehicle arrives at the designated location, the processor 171 outputs the payment information through the user interface 150. In other words, when the error between the vehicle position and the designated location is within the tolerance range, the processor 171 outputs the payment information to the user interface 150. The processor 171 displays the payment information on the screen of the user interface 150 and determines the payer of the fee included in the payment information. The processor 171 can determine (select) the driver or the passenger as the payer based on the user input input through the user interface 150.

[0060] Processor 171 obtains the payment method information of the determined payer. Processor 171 determines whether payment using the payment method information is approved through a payer authentication process. For example, processor 171 compares the fingerprint information in the payment method registration information pre-stored in memory 172 with the fingerprint information input through user interface 150 to determine whether the two fingerprints match. If the two fingerprints match, processor 171 approves payment using the payment method information. If the two fingerprints do not match, processor 171 disapproves payment using the payment method information.

[0061] When payment is approved, the processor 171 transmits the payment means information to the payment terminal 200. The payment terminal 200 performs payment processing using the payment means information and transmits the payment approval result to the vehicle body controller 170. The processor 171 outputs the payment approval result through the user interface 150 so that the payer can recognize the payment approval result.

[0062] like Figure 2 As shown, when the first vehicle V1 enters the parking area A, the body controller 170 of the first vehicle V1 measures the vehicle position through secure communication with the payment terminal 200 via the first communication device 110. The body controller 170 of the first vehicle V1 transmits the fuel type, refueling amount and vehicle position to the payment terminal 200. The payment terminal 200 identifies the vehicle position and provides the fuel type (fuel information) and refueling amount to the fuel pump (fuel dispenser) L that matches the vehicle position. The payment terminal 200 calculates the refueling fee during refueling or when refueling is completed, and transmits payment information including the refueling fee, refueling amount and / or fuel price to the first vehicle V1. The body controller 170 of the first vehicle V1 receives the payment information and performs payment processing based on the received payment information.

[0063] In addition, the body controller 170 of the first vehicle V1 may recognize the position of the fuel pump L using a surround view monitor (SVM) mounted on the vehicle to automatically open the fuel filling port of the first vehicle V1.

[0064] The body controller 170 of the second vehicle V2 communicates with the payment terminal 200 to determine whether the third vehicle V3, located in front of the second vehicle V2, has refueled. When the third vehicle V3 has finished refueling, the body controller 170 of the second vehicle V2 controls the air conditioner 160 to switch its operating mode to the interior air mode to prevent the influx of fumes caused by the movement of the third vehicle V3. Here, when the operating mode is the exterior air mode, the air conditioner 160 switches to the interior air mode. When the operating mode is the interior air mode, the air conditioner 160 maintains the current operating mode.

[0065] Reference Figure 3 The vehicle body controller 170 of the first vehicle V1 can execute parking fee payment in conjunction with the payment terminal A 200A through secure communication while the vehicle is parked. This reduces the effort required to wait for payment or search for a parking meter for prepayment.

[0066] Furthermore, the body controller 170 of the second vehicle V2 can request payment terminal B 200B to provide information such as the payment terminal's location information and a parking fee table. Payment terminal B 200B transmits its absolute location information and the parking fee table to the second vehicle V2 via UWB communication. The body controller 170 of the second vehicle V2 calculates the expected parking fee and parking location based on the absolute location information and parking fee table provided by payment terminal B 200B. The body controller 170 of the second vehicle V2 transmits the calculated expected parking fee and parking location information to the mobile terminal 300 associated with the second vehicle V2. The mobile terminal 300 displays the expected parking fee and parking location information on its display, allowing the user to identify the parking fee in real time.

[0067] Figure 4 1 is a flow chart illustrating an in-vehicle payment method in some forms of the present disclosure. Some forms of the present disclosure describe a process of using an in-vehicle payment system 100 to pay for gas at a gas station.

[0068] Reference Figure 4 When a vehicle enters a gas station, a payment terminal 200 located at the gas station transmits fuel price information to the corresponding vehicle (S110). The fuel price information includes the price of each fuel type per reference unit (e.g., liter). When transmitting the fuel price information, the payment terminal 200 may also transmit the absolute location information of the payment terminal 200.

[0069] When the vehicle stops at a refueling zone, the in-vehicle payment system 100 displays the fuel price information received from the payment terminal 200 on the user interface 150 (S120). Here, the refueling zone is a pre-designated location (designated location). The vehicle body controller 170 of the in-vehicle payment system 100 measures the vehicle's position based on UWB communication. Here, the vehicle's position refers to a relative position (relative distance) relative to the absolute position of the payment terminal 200. When the error between the vehicle's position and the designated location is within a tolerance range, the vehicle body controller 170 displays the fuel price information on the display of the user interface 150.

[0070] The in-vehicle payment system 100 selects a refueling amount based on the user input (S130). The vehicle body controller 170 determines the refueling amount based on the user input input through the user interface 150. Here, the vehicle body controller 170 may determine the refueling fee based on the user input.

[0071] When the refueling amount is selected, the vehicle payment system 100 transmits the refueling amount, fuel type and vehicle location to the payment terminal 200 and opens the refueling port (S140). The vehicle body controller 170 transmits a refueling request message including the refueling amount, fuel type and vehicle location to the payment terminal 200.

[0072] Payment terminal 200 transmits a refueling command to the fuel pump corresponding to the vehicle's location (S150). The refueling command includes the refueling amount and fuel type information. Upon receiving the refueling fee from in-vehicle payment system 100, payment terminal 200 calculates the refueling amount based on the refueling fee and fuel price information and provides the calculated refueling amount to the fuel pump. The fuel pump can only supply the corresponding fuel type based on the refueling command from payment terminal 200.

[0073] During refueling, the payment terminal 200 calculates the refueling fee based on the refueling amount, fuel type, and fuel price, and transmits payment information including the calculated refueling fee (S160). An example has been described in which the payment terminal 200 transmits payment information to the in-vehicle payment system 100 during refueling. However, the present disclosure is not limited thereto, and payment information may be transmitted when refueling starts or when refueling is completed.

[0074] When the payment information is received, the in-vehicle payment system 100 outputs the received payment information to the user interface 150 ( S170 ).

[0075] The in-vehicle payment system 100 determines a payer ( S180 ). The vehicle body controller 170 determines one of the driver and / or passenger as the payer. Here, the vehicle body controller 170 may select the payer based on user input received through the user interface 150 .

[0076] The in-vehicle payment system 100 obtains the payee's payment method information (S190). If the payee is the vehicle owner, the vehicle body controller 170 obtains the payment method information from the payment device 140. The payment device 140 reads the payment method information installed on the payment device 140 and transmits the read information to the vehicle body controller 170. On the other hand, if the payee is a passenger, the vehicle body controller 170 obtains the payment method information by communicating with the payee's mobile terminal 300 via the second communication device 130.

[0077] The in-vehicle payment system 100 performs a payer authentication process on the means of payment information (S200). The vehicle body controller 170 performs a payer authentication process to verify the validity of the means of payment information. Payer authentication can be performed using authentication technologies such as fingerprint authentication, iris authentication, etc. For example, the vehicle body controller 170 obtains the payer's fingerprint information through the user interface 150, compares the obtained fingerprint information with the fingerprint information that matches the pre-registered means of payment, and determines that the payer authentication is successful when the two fingerprint information match each other. In one example, when the vehicle body controller 170 obtains the means of payment information from the payer's mobile terminal 300, the mobile terminal 300 performs a payer authentication process on the means of payment information, and then transmits the payment authentication result to the vehicle body controller 170.

[0078] When the payer authentication is successful, the in-vehicle payment system 100 transmits the payment means information to the payment terminal 200 (S210). The vehicle body controller 170 transmits the payment means information through UWB communication.

[0079] Payment terminal 200 uses the payment method information to perform a payment approval process (S220). Here, payment terminal 200 performs the payment approval process after refueling is complete. Payment terminal 200 transmits a payment approval request message including the payment method information to a payment gateway (PG) company server (not shown). Payment terminal 200 receives a payment approval response from the PG company server.

[0080] The payment terminal 200 transmits the payment approval result to the in-vehicle payment system 100 (S230). The payment terminal 200 transmits the payment approval result to the vehicle based on the received payment approval response.

[0081] The in-vehicle payment system 100 outputs the payment approval result on the user interface 150 so that the payer can recognize the payment approval result (S240). The vehicle body controller 170 may display the payment approval result on a display.

[0082] Figure 5 1 is a flowchart illustrating an in-vehicle payment method in some aspects of the present disclosure. In some aspects of the present disclosure, the case of paying parking fees will be described as an example. The in-vehicle payment system 100 performs parking fee payment in conjunction with the payment terminal 200 based on UWB communication.

[0083] The in-vehicle payment system 100 may request the payment terminal 200 to settle the parking fee (S310). The vehicle body controller 170 may request the payment terminal 200 to settle the parking fee before or upon leaving the parking lot. When requesting the settlement of the parking fee, the vehicle body controller 170 also transmits identification information, such as the vehicle number and / or parking location.

[0084] The payment terminal 200 settles the parking fee (S320) based on the request of the in-vehicle payment system 100. The payment terminal 200 refers to the parking fee table and settles the parking fee based on the parking time.

[0085] The payment terminal 200 generates payment information including the settled parking fee, and transmits the generated payment information to the corresponding vehicle requesting the settlement of the parking fee ( S330 ).

[0086] When the payment information is received from the payment terminal 200 , the in-vehicle payment system 100 outputs the corresponding payment information ( S340 ). The vehicle body controller 170 displays the payment information on the display screen of the user interface 150 .

[0087] The in-vehicle payment system 100 determines the payer after outputting the payment information ( S350 ).

[0088] When the in-vehicle payment system 100 determines the payer, it obtains the payer's payment method information ( S360 ). The vehicle body controller 170 of the in-vehicle payment system 100 may obtain the payment method information from the payment device 140 or the mobile terminal 300 that matches the determined payer.

[0089] The in-vehicle payment system 100 performs a payer authentication process on the payment means information ( S370 ).

[0090] When the payer authentication is successful, the in-vehicle payment system 100 transmits the payment means information to the payment terminal 200 ( S380 ).

[0091] The payment terminal 200 performs payment approval processing based on the payment means information (S390). After the vehicle leaves the parking lot or when the vehicle starts to leave the parking location (parking space), the payment terminal 200 may request payment approval from the PG company server.

[0092] The payment terminal 200 transmits the payment approval result to the in-vehicle payment system 100 ( S400 ). The in-vehicle payment system 100 receives the payment approval result through the first communication device 110 .

[0093] The in-vehicle payment system 100 outputs the payment approval result to the user interface 150 ( S410 ). The vehicle body controller 170 may receive the payment approval result through the first communication device 110 and output the received payment approval result in the form of visual information and / or auditory information.

[0094] Figure 6 is a flow chart illustrating a parking fee notification service method in some forms of the present disclosure.

[0095] Reference Figure 6 After parking is completed, the in-vehicle payment system 100 requests the payment terminal 200 for a parking fee table and the location information of the payment terminal 200 (S510). At this time, the vehicle body controller 170 may also transmit vehicle information including vehicle identification information, vehicle model, etc. The parking fee table is a table that specifies parking fees for each vehicle type and parking time.

[0096] The payment terminal 200 transmits the parking meter and the absolute location information of the payment terminal 200 to the in-vehicle payment system 100 based on the request of the in-vehicle payment system 100 (S520). The payment terminal 200 may also transmit the parking lot entry time information of the vehicle.

[0097] The in-vehicle payment system 100 calculates the expected parking fee and parking location based on the parking fee table and the absolute location information (S530). The vehicle body controller 170 calculates the expected parking fee based on the parking fee table. The vehicle body controller 170 measures the distance between the vehicle and the payment terminal 200 through UWB communication with the payment terminal 200 and calculates the vehicle's parking location based on the measured distance.

[0098] The vehicle payment system 100 transmits the calculated expected parking fee and parking location to the mobile terminal 300 matched with the vehicle (S540). The vehicle body controller 170 transmits the expected parking fee and parking location to the mobile terminal 300 using the vehicle's wireless communication (eg, telematics).

[0099] The mobile terminal 300 outputs the received expected parking fee and parking location so that the user can recognize the expected parking fee and parking location (S550). For example, the mobile terminal 300 displays the expected parking fee and parking location on a display.

[0100] Figure 7 1 is a flow chart illustrating an in-vehicle payment method in some forms of the present disclosure. In some forms of the present disclosure, the case of ordering and paying in a drive-through store will be described as an example.

[0101] Reference Figure 7 , the payment terminal 200 transmits the sales product information (S710). The payment terminal 200 transmits the sales product information at a predetermined period, or transmits the sales product information when the vehicle enters the range within which the payment terminal 200 can perform UWB communication.

[0102] The in-vehicle payment system 100 displays the sales product information received from the payment terminal 200 on the screen of the user interface 150 ( S720 ).

[0103] The in-vehicle payment system 100 determines the product to be purchased based on the user input received from the user interface 150 (S730). For example, when the driver selects a product to be purchased from the products displayed on the screen of the user interface 150, the vehicle body controller 170 determines the user-selected product as the product to be purchased. Once the product to be purchased is determined, the vehicle body controller 170 transmits an order including the determined product to be purchased to the payment terminal 200.

[0104] When receiving the order from the in-vehicle payment system 100 , the payment terminal 200 calculates a payment amount based on the products to be purchased in the order ( S740 ).

[0105] The payment terminal 200 transmits payment information including the payment amount to the in-vehicle payment system 100 ( S750 ).

[0106] The in-vehicle payment system 100 receives the payment information and outputs the payment information to the user interface 150 ( S760 ).

[0107] The in-vehicle payment system 100 determines the payer after outputting the payment information ( S770 ).

[0108] When the payer is determined, the in-vehicle payment system 100 obtains payment method information matching the payer ( S780 ). The vehicle body controller 170 of the in-vehicle payment system 100 may obtain the payment method information from the payment device 140 or the mobile terminal 300 .

[0109] The in-vehicle payment system 100 processes the payer authentication to verify the validity of the payment means information (S790). When the payer authentication is successful, the in-vehicle payment system 100 transmits the payment means information to the payment terminal 200 (S800).

[0110] The payment terminal 200 processes the payment approval based on the payment means information (S810). The payment terminal 200 may request the payment approval from the PG company server before or after the vehicle arrives at the location for receiving the purchased items. The payment terminal 200 receives a payment approval response from the PG company server.

[0111] The payment terminal 200 transmits the payment approval result to the in-vehicle payment system 100 (S820). The payment terminal 200 provides the payment approval result to the vehicle based on the payment approval response.

[0112] The in-vehicle payment system 100 receives the payment approval result and outputs the payment approval result to the user interface 150 ( S830 ).

[0113] Figure 8 is a block diagram illustrating a computing system for executing an in-vehicle payment method in some forms of the present disclosure.

[0114] Reference Figure 8 The computing system 1000 may include at least one processor 1100 , a memory 1300 , a user interface input device 1400 , a user interface output device 1500 , a storage device 1600 , and a network interface 1700 connected via a system bus 1200 .

[0115] The processor 1100 may be a central processing unit (CPU) or a semiconductor device that processes instructions stored in the memory 1300 and / or the storage device 1600. The memory 1300 and the storage device 1600 may include various types of volatile or non-volatile storage media. For example, the memory 1300 may include a ROM (Read Only Memory) 1310 and a RAM (Random Access Memory) 1320.

[0116] Therefore, the operation of the method or algorithm described in some forms of the present disclosure can be directly implemented as a hardware or software module or a combination of hardware and software modules performed by the processor 1100. The software module can reside in a storage medium (i.e., memory 1300 and / or storage device 1600) such as RAM, flash memory, ROM, EPROM, EEPROM, registers, hard disk, removable disk and CD-ROM. An exemplary storage medium is connected to the processor 1100, and the processor 1100 can read information from the storage medium and write information to the storage medium. In another method, the storage medium can be integrated with the processor 1100. The processor 1100 and the storage medium can reside in an application specific integrated circuit (ASIC). The ASIC can reside in a user terminal. In another method, the processor 1100 and the storage medium can reside in a user terminal as separate components.

[0117] The above description is merely an example of the technical ideas of the present disclosure, and those skilled in the art may make various modifications and changes without departing from the basic features of the present disclosure. Therefore, some forms of the present disclosure are not intended to limit the technical ideas of the present disclosure but are used to illustrate the present disclosure, and the scope of the technical ideas of the present disclosure is not limited by some forms of the present disclosure. The scope of the present disclosure should be interpreted as being encompassed by the scope of the appended claims, and all technical ideas that fall within the scope of the claims should be interpreted as being included within the scope of the present disclosure.

[0118] According to the present disclosure, payment is performed using UWB communication used as an authentication security technology for a digital key for getting on and off a vehicle, starting, etc., so that the security of an in-vehicle payment service can be improved.

[0119] In addition, according to the present disclosure, the position of a vehicle performing payment can be measured based on UWB communication, thereby enabling pre-purchase and remote payment using a single payment terminal.

[0120] In addition, according to the present disclosure, the vehicle payment service can be implemented without changing the configuration of the existing digital key system, so that the vehicle payment service can be provided without increasing the cost.

[0121] The description of the present disclosure is merely exemplary in nature and, therefore, variations that do not depart from the essence of the present disclosure are intended to fall within the scope of the present disclosure. Such variations will not be regarded as departing from the spirit and scope of the present disclosure.

Claims

1. An in-vehicle payment system, comprising: a first communication device, communicating with the payment terminal; Payment device, providing payment method information; as well as The vehicle body controller, when receiving payment information from the payment terminal, executes payment processing in conjunction with the payment terminal using the payment means information. The vehicle body controller measures the vehicle position through the first communication device, and when the error between the vehicle position and the designated position exceeds a tolerance range and is within a safe communication range, the vehicle body controller uses the payment method information to perform pre-payment processing in conjunction with the payment terminal. The vehicle's body controller determines whether another vehicle located in front of the vehicle is refueling by communicating with the payment terminal, and When the other vehicle completes refueling, the body controller of the vehicle controls the air conditioner to switch the operation mode to the in-vehicle air mode.

2. The vehicle-mounted payment system according to claim 1, wherein: The first communication device communicates via ultra-wideband communication (UWB communication).

3. The vehicle-mounted payment system according to claim 2, wherein: The first communication device communicates using at least one of Bluetooth, near field communication (NFC), and low frequency communication (LF).

4. The vehicle-mounted payment system according to claim 1, wherein: When the error between the vehicle position and the designated position is within the tolerance range, the vehicle body controller outputs the payment information to a user interface.

5. The vehicle-mounted payment system according to claim 4, wherein: The designated location is one of a refueling location, a parking location, and a location for receiving ordered items.

6. The vehicle-mounted payment system according to claim 1, wherein: The system further comprises: The second communication device communicates with the mobile terminal through wireless communication.

7. The vehicle-mounted payment system according to claim 6, wherein: The vehicle body controller obtains the payment means information from the mobile terminal through the second communication device.

8. The vehicle-mounted payment system according to claim 1, wherein: The vehicle body controller performs payment processing at a time point when at least one of refueling completion, leaving the parking lot, and receiving the ordered items is satisfied.

9. The vehicle-mounted payment system according to claim 1, wherein: The vehicle body controller receives a parking meter and absolute position information of the payment terminal from the payment terminal to calculate an expected parking fee and a parking position.

10. The vehicle-mounted payment system according to claim 9, wherein: The vehicle body controller transmits the expected parking fee and the parking location to a mobile terminal matched with the vehicle.

11. An in-vehicle payment method, comprising: The vehicle body controller receives payment information from the payment terminal based on secure communication; The vehicle body controller obtains payment means information; as well as The vehicle body controller uses the payment method information to execute payment processing in conjunction with the payment terminal. Wherein, the method further comprises: The vehicle body controller measures the vehicle position through the secure communication; and When the error between the vehicle position and the designated position exceeds the tolerance range and is within the safe communication range, the vehicle body controller uses the payment method information to execute pre-payment processing in conjunction with the payment terminal. The vehicle's body controller determines whether another vehicle located in front of the vehicle is refueling by communicating with the payment terminal, and When the other vehicle completes refueling, the body controller of the vehicle controls the air conditioner to switch the operation mode to the in-vehicle air mode.

12. The method according to claim 11, wherein The secure communication is ultra-wideband communication, namely, UWB communication.

13. The method according to claim 11, wherein The method further comprises: When the error between the vehicle position and the designated position is within the tolerance range, the payment information is output to a user interface.

14. The method according to claim 13, wherein The designated location is one of a refueling location, a parking location, and a location for receiving ordered items.

15. The method according to claim 11, wherein Obtaining the payment method information further includes: The payment means information is acquired from a payment device installed in a vehicle or a mobile terminal of a passenger in the vehicle.

16. The method according to claim 11, wherein Performing payment processing further includes: The payment process is performed at a point in time when at least one of the following is satisfied: refueling completion, leaving the parking lot, and receiving the ordered items.

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