Vehicle-mounted payment device, method and system

Abstract

The present application discloses an on-vehicle payment device, method and system, including: an on-vehicle payment device and an ETC card, the on-vehicle payment device is used to receive payment information sent by a toll terminal and send the payment information to the ETC card, the ETC card includes: an ETC chip, a transaction processing module and a digital currency chip, the ETC chip is used to generate a payment request using the payment information, and send the payment request and pre-stored cardholder information to the transaction processing module, the transaction processing module is used to generate a digital currency bill using the payment request, and send the digital currency bill and cardholder information to the digital currency chip, the digital currency chip is used to generate a deduction instruction using the digital currency bill, and send the deduction instruction and cardholder information to the on-vehicle payment device, and the on-vehicle payment device sends the deduction instruction and cardholder information to a digital currency wallet, so that the digital currency wallet can deduct money based on the deduction instruction and the cardholder information.

Description

Technical Field

[0001] The present application relates to the field of mobile payment, and in particular to an in-vehicle payment device, method and system. Background Art

[0002] With the rapid development of the automobile industry, people use cars to travel more and more frequently. When driving a car through a highway, it is necessary to pay the corresponding toll according to the route of travel. The commonly used payment method is to use ETC (Electronic Toll Collection) to pay. During the payment process, the vehicle can complete the payment of tolls without stopping in the ETC lane. However, the currently used dual-chip OBU (On board Unit) does not support digital currency transactions. When the balance of the stored-value card bound to the ETC card is insufficient or there is no network, the transaction cannot be carried out, so that the vehicle needs to retreat from the ETC lane, causing congestion at the toll station. Therefore, it is urgent to study a vehicle-mounted payment device that supports ETC transactions through digital currency payment, so as to facilitate the use of digital currency to pay the toll bill. Summary of the invention

[0003] In view of this, the present application provides an in-vehicle payment device, method and system to facilitate the payment of toll bills using digital currency.

[0004] In order to achieve the above objectives, the proposed solution is as follows:

[0005] An in-vehicle payment device, comprising: an in-vehicle payment device and an electronic toll collection system (ETC) card;

[0006] The vehicle-mounted payment device is used to receive payment information sent by the charging terminal and send the payment information to the ETC card;

[0007] The ETC card includes: an ETC chip, a transaction processing module and a digital currency chip;

[0008] The ETC chip is used to generate a payment request using the payment information, and send the payment request and pre-stored cardholder information to the transaction processing module;

[0009] The transaction processing module is used to generate a digital currency bill using the payment request, and send the digital currency bill and the cardholder information to the digital currency chip;

[0010] The digital currency chip is used to generate a deduction instruction using the digital currency bill, and send the deduction instruction and the cardholder information to the vehicle-mounted payment device, which sends the deduction instruction and the cardholder information to the digital currency wallet so that the digital currency wallet can deduct money based on the deduction instruction and the cardholder information.

[0011] Optional,

[0012] The vehicle-mounted payment device is also used to receive the transaction result returned by the digital currency wallet, and send the transaction result to the ETC card and the charging terminal;

[0013] The ETC chip and the digital currency chip are also used to record the transaction results.

[0014] Optionally, the vehicle-mounted payment device further includes: a positioning module;

[0015] The positioning module is used to obtain the driving distance of the vehicle and send the driving distance to the charging terminal.

[0016] Optionally, the vehicle-mounted payment device further includes: a trusted encryption module;

[0017] The trusted encryption module is used to encrypt and decrypt the transmission data inside the device.

[0018] Optionally, it also includes: equipment management system;

[0019] When the vehicle-mounted payment device is initialized, the vehicle-mounted payment device sends a request to obtain a random number to the device management system;

[0020] The device management system generates a random number according to the request, and sends the random number to the vehicle-mounted payment device;

[0021] The vehicle-mounted payment device obtains the activation key and the random number, and obtains a hash value of the random number and a hash value of the activation key through hash calculation;

[0022] The vehicle-mounted payment device sends registration information to the device management system, where the registration information includes vehicle-mounted payment device information, a hash value of the random number, and a hash value of the activation key;

[0023] The device management system determines whether the hash value of the random number in the registration information is consistent with the hash value of the random number stored in advance, and whether the hash value of the activation key in the registration information is consistent with the hash value of the activation key stored in advance. If both judgment results are yes, the vehicle-mounted payment device information is added to the database, and a registration success result is sent to the vehicle-mounted payment device;

[0024] The vehicle-mounted payment device receives the result of successful registration and completes the initialization operation.

[0025] An in-vehicle payment method, comprising:

[0026] Get the payment information sent by the charging terminal;

[0027] generating a corresponding payment request using the payment information;

[0028] Generate a corresponding digital currency bill using the payment request;

[0029] Generate a corresponding deduction instruction using the digital currency bill;

[0030] The deduction instruction and the pre-stored cardholder information are sent to the digital currency wallet, so that the digital currency wallet can deduct money based on the deduction instruction and the cardholder information.

[0031] Optionally, also include:

[0032] Receive the transaction result returned by the digital currency wallet, and send the transaction result to the charging terminal.

[0033] An in-vehicle payment system, comprising: a charging terminal, an in-vehicle payment device and a digital currency wallet;

[0034] The charging terminal is used to send payment information to the vehicle-mounted payment device;

[0035] The vehicle-mounted payment device is used to obtain payment information sent by the charging terminal, generate a corresponding payment request using the payment information, generate a corresponding digital currency bill using the payment request, generate a corresponding deduction instruction using the digital currency bill, and send the deduction instruction and pre-stored cardholder information to the digital currency wallet;

[0036] The digital currency wallet is used to deduct money based on the deduction instruction and the cardholder information.

[0037] Optionally, the process of the digital currency wallet deducting money based on the deduction instruction and the cardholder information includes:

[0038] Using the cardholder information to verify with pre-stored wallet information;

[0039] If the cardholder information is consistent with the wallet information, deduction is performed according to the deduction instruction;

[0040] If the cardholder information is inconsistent with the wallet information, the deduction fails.

[0041] Optionally, when the cardholder information is consistent with the wallet information, the process of the digital currency wallet deducting money according to the deduction instruction includes:

[0042] Determine whether the balance in the digital currency wallet is sufficient to complete the deduction;

[0043] If the balance in the digital currency wallet is sufficient to complete the deduction, the deduction is carried out according to the deduction instruction;

[0044] If the balance in the digital currency wallet is insufficient to complete the deduction, determine whether the information of the bank account bound to the digital currency wallet is consistent with the cardholder information;

[0045] If the information of the bank account bound to the digital currency wallet is consistent with the cardholder information, a deduction request is generated using the deduction instruction, and the deduction request is sent to the bank account, so that the bank account deducts money according to the deduction request;

[0046] If the bank account information bound to the digital currency wallet is inconsistent with the cardholder information, the deduction will fail.

[0047] It can be seen from the above technical scheme that an on-vehicle payment device, method and system provided by an embodiment of the present application include: an on-vehicle payment device and an electronic toll collection system ETC card, wherein the on-vehicle payment device is used to receive payment information sent by the toll terminal and send the payment information to the ETC card, the ETC card includes: an ETC chip, a transaction processing module and a digital currency chip, the ETC chip is used to generate a payment request using the payment information, and send the payment request and pre-stored cardholder information to the transaction processing module, the transaction processing module is used to generate a digital currency bill using the payment request, and send the digital currency bill and cardholder information to the digital currency chip, the digital currency chip is used to generate a deduction instruction using the digital currency bill, and send the deduction instruction and cardholder information to the on-vehicle payment device, and the on-vehicle payment device sends the deduction instruction and cardholder information to the digital currency wallet, so that the digital currency wallet can deduct money based on the deduction instruction and cardholder information. This application sets up a transaction processing module in the ETC card, which can convert the payment request generated by the ETC chip into a digital currency bill, and then the digital currency chip card uses the digital currency bill to generate the corresponding deduction request, and finally use digital currency to realize payment. Among them, digital currency helps to further enrich electronic payment methods, and digital currency can be used for fund transactions without relying on bank accounts, so that payment and settlement can be achieved between users and charging terminals, reducing the intermediate links of fund transactions, thereby improving the efficiency of transactions to a certain extent. BRIEF DESCRIPTION OF THE DRAWINGS

[0048] In order to more clearly illustrate the embodiments of the present application or the technical solutions in the prior art, the drawings required for use in the embodiments or the description of the prior art will be briefly introduced below. Obviously, the drawings described below are only embodiments of the present application. For ordinary technicians in this field, other drawings can be obtained based on the provided drawings without paying any creative work.

[0049] Figure 1 A schematic diagram of the structure of a vehicle-mounted payment device provided in an embodiment of the present application;

[0050] Figure 2 A flow chart of an in-vehicle payment method provided in an embodiment of the present application. DETAILED DESCRIPTION

[0051] The following will be combined with the drawings in the embodiments of the present application to clearly and completely describe the technical solutions in the embodiments of the present application. Obviously, the described embodiments are only part of the embodiments of the present application, not all of the embodiments. Based on the embodiments in the present application, all other embodiments obtained by ordinary technicians in this field without creative work are within the scope of protection of this application.

[0052] Figure 1 A schematic diagram of the structure of an on-vehicle payment device provided in an embodiment of the present application, the on-vehicle payment device may include: an on-vehicle payment device 10 and an ETC card 20.

[0053] The vehicle-mounted payment device 10 and the ETC card 20 can support two data transmission modes: contact and contactless. The contact mode can realize data transmission between the vehicle-mounted payment device 10 and the ETC card 20 through gold finger contact, and the contactless mode can realize data transmission between the vehicle-mounted payment device 10 and the ETC card 20 through DSRC (Dedicated Short Range Communication). Figure 1 The scenario shown is a contactless data transmission between the vehicle-mounted payment device 10 and the ETC card 20. To pay the toll using the vehicle-mounted payment device 10, it is necessary to ensure that the vehicle-mounted payment device 10 and the ETC card 20 can transmit data.

[0054] The vehicle-mounted payment device 10 can be used to receive payment information sent by the toll terminal and send the payment information to the ETC card 20.

[0055] Specifically, when a vehicle equipped with the vehicle-mounted payment device 10 enters a toll area, it may issue a request to enter the toll area, and the toll terminal receives information about the vehicle entering the toll area, where the information may include the intersection where the vehicle enters the toll area and the time when the vehicle enters the toll area. When the vehicle needs to leave the toll area, it may also issue a request to leave the toll area, and the toll terminal receives information about the vehicle leaving the toll area, where the information may include the intersection where the vehicle leaves the toll area and the time when the vehicle arrives at the intersection.

[0056] When receiving the request of the vehicle to leave the toll area, the toll terminal can process the information of the vehicle entering the toll area and the information of the vehicle leaving the toll area, generate payment information, and send it to the vehicle-mounted payment device 10. The payment information may include the fees that the vehicle needs to pay in the toll area, etc. After receiving the payment information sent by the payment terminal, the vehicle-mounted payment device 10 can send the payment information to the ETC card 20.

[0057] During the information transmission process between the vehicle-mounted payment device 10 and the payment terminal, the vehicle-mounted payment device 10 can utilize the DSRC module to communicate with the RSU (Road Side Unit) set in the charging area, thereby realizing information transmission.

[0058] The ETC card 20 may include: an ETC chip 201 , a transaction processing module 202 and a digital currency chip 203 .

[0059] The ETC card 20 has the same appearance as existing bank cards and ID cards. When in use, the ETC card 20 needs to be inserted into the vehicle-mounted payment device 10. When not in use, the ETC card 20 can be pulled out of the vehicle-mounted payment device.

[0060] Among them, the ETC chip 201 can be used to generate a payment request using payment information, and send the payment request and pre-stored cardholder information to the transaction processing module 202.

[0061] Specifically, after receiving the payment information sent by the vehicle-mounted payment device 10, the ETC chip 201 can generate a corresponding payment request using the payment information, and then send the payment request and the pre-stored holder information to the transaction processing module 202. The payment request may include information such as the online transaction sequence number, overdraft limit, transaction amount, transaction type identifier, terminal number, transaction date and transaction time. The holder information may be pre-stored in the ETC chip 201, and the holder information may include the holder identity identifier, the issuer system employee identifier, the holder name, the holder ID number, the holder ID type, and other information.

[0062] Among them, the payment request can be generated according to the payment protocol preset in the ETC chip 201. The payment request generated by the existing ETC chip 201 cannot meet the digital currency payment requirements. If the ETC chip 201 needs to be modified so that the ETC chip 201 can adapt to digital currency payment, the changes involved are relatively large, such as involving the ETC chip 201 issuer and the third-party payment institution, etc. Therefore, a transaction processing module 202 can be set in the ETC card 20 to convert the payment request, so that only the ETC card 20 needs to be modified to realize digital currency payment.

[0063] The transaction processing module 202 can be used to generate a digital currency bill using a payment request, and send the digital currency bill and cardholder information to the digital currency chip 203 .

[0064] Specifically, after generating a payment request, the ETC chip 201 can send the payment request to the transaction processing module 202, and the transaction processing module 202 can use the payment request to generate a digital currency bill. Without changing the original ETC chip 201, by adding the transaction processing module 202, the payment request generated by the ETC chip 201 can be converted into a digital currency bill that can be processed by the digital currency chip 203.

[0065] Among them, digital currencies include: digital RMB. Digital RMB is a legal digital currency with a series of advantages such as no interest, low cost, payment and settlement, and anonymity, which will help further enrich electronic payment methods.

[0066] The digital currency chip 203 can be used to generate a deduction instruction using a digital currency bill, and send the deduction instruction and cardholder information to the vehicle-mounted payment device 10 .

[0067] Specifically, the digital currency chip 203 uses the digital currency bill and can generate a corresponding deduction instruction according to the digital currency payment protocol, and sends the deduction instruction and the cardholder information to the vehicle-mounted payment device 10, and the vehicle-mounted payment device 10 sends the deduction instruction and the cardholder information to the digital currency wallet, so that the digital currency wallet can deduct money based on the deduction instruction and the cardholder information. The deduction instruction may include: the digital currency wallet account bound to the digital currency chip and the fees to be paid.

[0068] In the above embodiment, an on-vehicle payment device provided by an embodiment of the present application may include: an on-vehicle payment device 10 and an electronic toll collection system ETC card 20, wherein the on-vehicle payment device 10 is used to receive payment information sent by the toll terminal and send the payment information to the ETC card 20, and the ETC card 20 may include: an ETC chip 201, a transaction processing module 202 and a digital currency chip 203, the ETC chip 201 is used to generate a payment request using the payment information, and send the payment request and pre-stored cardholder information to the transaction processing module 202, the transaction processing module 202 is used to generate a digital currency bill using the payment request, and send the digital currency bill and cardholder information to the digital currency chip 203, the digital currency chip 203 is used to generate a deduction instruction using the digital currency bill, and send the deduction instruction and cardholder information to the on-vehicle payment device 10, and the on-vehicle payment device 10 sends the deduction instruction and cardholder information to the digital currency wallet, so that the digital currency wallet can deduct money based on the deduction instruction and cardholder information. This application sets a transaction processing module 202 in the ETC card 20, which can convert the payment request generated by the ETC chip 201 into a digital currency bill, and then the digital currency chip 203 card uses the digital currency bill to generate a corresponding deduction request, and finally uses digital currency to realize payment. Among them, digital currency helps to further enrich electronic payment methods, and digital currency can be used for fund transactions without relying on bank accounts, so that payment and settlement can be realized between users and charging terminals, reducing the intermediate links of fund transactions, thereby improving the efficiency of transactions to a certain extent.

[0069] In some embodiments of the present application, after the digital currency wallet completes the deduction, the digital currency wallet can generate a transaction result based on the specific deduction situation and return the transaction result to the vehicle-mounted payment device 10, wherein the transaction result may include information on the success or failure of the deduction, the remaining balance in the account, and other information.

[0070] Specifically, after the digital currency wallet returns the transaction result to the vehicle-mounted payment device 10, the vehicle-mounted payment device 10 can also be used to receive the transaction result returned by the digital currency wallet, and send the transaction result to the ETC card 20 and the charging terminal.

[0071] After the vehicle-mounted payment device 10 sends the transaction result to the ETC card 20, the ETC chip 201 can also be used to record the corresponding transaction result so that the user can check it later. The digital currency chip 203 can also be used to record the transaction result so as to update the account amount bound to the digital currency chip 203 to obtain the current accurate balance, and at the same time facilitate the user to check it later.

[0072] In some embodiments of the present application, the in-vehicle payment device 10 may further include: a positioning module.

[0073] Specifically, the positioning module can be used to obtain the driving distance of the vehicle and send the driving distance to the toll terminal. Among them, since the vehicle-mounted payment device 10 will communicate with the toll terminal in the toll area when the vehicle enters and leaves the toll area, when the vehicle leaves the toll area, the driving distance from entering the toll area to leaving the toll area can be obtained and sent to the toll terminal. After the toll terminal receives the driving distance, the driving distance can be used as reference information for billing, thereby generating payment information. Among them, the positioning module can use a differential GPS component. In the process of information transmission between the above-mentioned vehicle-mounted payment device 10 and the payment terminal, the vehicle-mounted payment device 10 can use the DSRC module to communicate with the RSU set in the toll area, thereby realizing information transmission.

[0074] Since the vehicle-mounted payment device 10 involves currency transactions, during the communication process of each module, the data may be maliciously tampered with, resulting in transaction risks. Based on this, in some embodiments of the present application, in order to avoid the security of communication data between the modules in the vehicle-mounted payment device 10 to a certain extent, the vehicle-mounted payment device 10 may also include: a trusted encryption module.

[0075] Specifically, the trusted encryption module can be used to encrypt and decrypt the transmission data within the device. For example, when the vehicle-mounted payment device 10 includes a DSRC module and a controller, after the DSRC module in the vehicle-mounted payment device 10 receives the payment information sent by the charging terminal, the trusted encryption module can encrypt the payment information, and then the DSRC module sends the encrypted payment information to the controller. When the controller receives the encrypted payment information, the trusted encryption module is required to decrypt the payment information so that the controller can process the decrypted payment information.

[0076] In some embodiments of the present application, when the vehicle-mounted payment device 10 is used for the first time, an initialization operation needs to be performed first. During the initialization, based on this, the vehicle-mounted payment device may further include: a device management system.

[0077] When the vehicle-mounted payment device 10 is initialized, the vehicle-mounted payment device 10 sends a request to obtain a random number to the device management system;

[0078] The device management system generates a random number based on the request and sends the random number to the vehicle-mounted payment device 10;

[0079] The vehicle-mounted payment device 10 obtains the activation key and the random number, and obtains the hash value of the random number and the hash value of the activation key through hash calculation;

[0080] The vehicle-mounted payment device 10 sends registration information to the device management system, where the registration information includes the vehicle-mounted payment device 10 information, the hash value of the random number, and the hash value of the activation key;

[0081] The device management system determines whether the hash value of the random number in the registration information is consistent with the hash value of the random number stored in advance, and whether the hash value of the activation key in the registration information is consistent with the hash value of the activation key stored in advance. If both judgment results are yes, the information of the vehicle-mounted payment device 10 is added to the database, and a successful registration result is sent to the vehicle-mounted payment device 10;

[0082] The vehicle-mounted payment device 10 receives the result of successful registration and completes the initialization operation.

[0083] An in-vehicle payment method provided in an embodiment of the present application is described below. The in-vehicle payment method described below and the in-vehicle payment device described above can be referenced to each other.

[0084] Figure 2 A flow chart of an in-vehicle payment method provided in an embodiment of the present application, the method may include the following steps:

[0085] Step S100: Obtain payment information sent by the charging terminal.

[0086] Specifically, when the toll terminal receives a request from a vehicle to leave the toll area, it can analyze the information of the vehicle entering the toll area and the vehicle leaving the toll area, generate payment information, and send it to the on-board payment device through the RSU. The payment information may include the fees that the vehicle needs to pay in the toll area.

[0087] Step S101: Generate a corresponding payment request using payment information.

[0088] Specifically, after receiving the payment information sent by the charging terminal, the vehicle-mounted payment device may generate a corresponding payment request according to a pre-set payment protocol.

[0089] Step S102: Generate a corresponding digital currency bill using the payment request.

[0090] Specifically, since the vehicle-mounted payment device needs to use digital currency for transactions, when a payment request is received, the payment request can be used to generate a corresponding digital currency bill.

[0091] Step S103: Generate corresponding deduction instructions using the digital currency bill.

[0092] Specifically, after obtaining the digital currency bill, the corresponding deduction instruction can be generated according to the digital currency payment agreement.

[0093] Step S104: Send the deduction instruction and pre-stored cardholder information to the digital currency wallet.

[0094] Specifically, in the above steps, a deduction instruction can be obtained, and the deduction instruction can include account information to be deducted, and the account information can point to the corresponding digital currency wallet. After the deduction instruction and the pre-stored cardholder information are sent to the digital currency wallet, the digital currency wallet can deduct money based on the deduction instruction and the pre-stored cardholder information, thereby realizing digital currency transactions.

[0095] In the above embodiment, a vehicle-mounted payment method is provided, which receives payment information returned by a charging terminal, generates a corresponding payment request using the payment information, generates a corresponding digital currency bill using the payment request, generates a corresponding deduction instruction using the digital currency bill, and sends the deduction instruction and pre-stored cardholder information to a digital currency wallet, so that the digital currency wallet can deduct money based on the deduction instruction and pre-stored cardholder information. This application can convert a payment request into a digital currency bill, and then use the digital currency bill to generate a corresponding deduction request, and finally use digital currency to realize payment. Among them, digital currency helps to further enrich electronic payment methods, and digital currency can conduct fund transactions without relying on bank accounts, so that payment and settlement can be realized between users and charging terminals, reducing the intermediate links of fund transactions, thereby improving the efficiency of transactions to a certain extent.

[0096] Optional, in-vehicle payment methods may also include:

[0097] Receive the transaction result returned by the digital currency wallet and send the transaction result to the charging terminal.

[0098] The embodiment of the present application provides an in-vehicle payment system, which may include: a charging terminal, an in-vehicle payment device, and a digital currency wallet;

[0099] A toll terminal, which can be used to send payment information to an onboard payment device;

[0100] The vehicle-mounted payment device can be used to obtain payment information sent by the charging terminal, generate a corresponding payment request using the payment information, generate a corresponding digital currency bill using the payment request, generate a corresponding deduction instruction using the digital currency bill, and send the deduction instruction and pre-stored cardholder information to the digital currency wallet;

[0101] A digital currency wallet that can be used to deduct funds based on deduction instructions and cardholder information.

[0102] Optionally, the process of deducting funds by the digital currency wallet based on the deduction instruction and the cardholder information may include:

[0103] Using the cardholder information and pre-stored wallet information for verification;

[0104] If the cardholder information is consistent with the wallet information, the deduction will be made according to the deduction instruction;

[0105] If the cardholder information is inconsistent with the wallet information, the deduction will fail.

[0106] Optionally, when the cardholder information is consistent with the wallet information, the process of the digital currency wallet deducting funds according to the deduction instruction may include:

[0107] Determine whether the balance in the digital currency wallet is sufficient to complete the deduction;

[0108] If the balance in the digital currency wallet is sufficient to complete the deduction, the deduction will be made according to the deduction instruction;

[0109] If the balance in the digital currency wallet is insufficient to complete the deduction, determine whether the information of the bank account bound to the digital currency wallet is consistent with the cardholder information;

[0110] If the bank account information bound to the digital currency wallet is consistent with the cardholder information, a deduction request is generated using the deduction instruction, and the deduction request is sent to the bank account, so that the bank account can deduct money according to the deduction request;

[0111] If the bank account information bound to the digital currency wallet is inconsistent with the cardholder information, the deduction will fail.

[0112] Finally, it should be noted that, in this article, relational terms such as first and second, etc. are only used to distinguish one entity or operation from another entity or operation, and do not necessarily require or imply any such actual relationship or order between these entities or operations. Moreover, the terms "include", "comprise" or any other variants thereof are intended to cover non-exclusive inclusion, so that a process, method, article or device including a series of elements includes not only those elements, but also other elements not explicitly listed, or also includes elements inherent to such process, method, article or device. In the absence of further restrictions, the elements defined by the sentence "comprise a ..." do not exclude the presence of other identical elements in the process, method, article or device including the elements.

[0113] The various embodiments in this specification are described in a progressive manner, and each embodiment focuses on the differences from other embodiments. The various embodiments can be combined with each other, and the same or similar parts can be referenced to each other.

[0114] The above description of the disclosed embodiments enables those skilled in the art to implement or use the present application. Various modifications to these embodiments will be apparent to those skilled in the art, and the general principles defined herein may be implemented in other embodiments without departing from the spirit or scope of the present application. Therefore, the present application will not be limited to the embodiments shown herein, but will conform to the widest scope consistent with the principles and novel features disclosed herein.

Claims

1. A vehicle-mounted payment device, characterized in that: include: On-board payment devices, electronic toll collection system (ETC) cards and equipment management systems; The vehicle-mounted payment device is used to receive payment information sent by the charging terminal and send the payment information to the ETC card; The ETC card includes: an ETC chip, a transaction processing module and a digital currency chip; The ETC chip is used to generate a payment request using the payment information, and send the payment request and pre-stored cardholder information to the transaction processing module; The transaction processing module is used to generate a digital currency bill using the payment request, and send the digital currency bill and the cardholder information to the digital currency chip; The digital currency chip is used to generate a deduction instruction using the digital currency bill, and send the deduction instruction and the cardholder information to the vehicle-mounted payment device, and the vehicle-mounted payment device sends the deduction instruction and the cardholder information to the digital currency wallet, so that the digital currency wallet deducts money based on the deduction instruction and the cardholder information; When the vehicle-mounted payment device is initialized, the vehicle-mounted payment device sends a request to obtain a random number to the device management system; The device management system generates a random number according to the request, and sends the random number to the vehicle-mounted payment device; The vehicle-mounted payment device obtains the activation key and the random number, and obtains a hash value of the random number and a hash value of the activation key through hash calculation; The vehicle-mounted payment device sends registration information to the device management system, where the registration information includes vehicle-mounted payment device information, a hash value of the random number, and a hash value of the activation key; The device management system determines whether the hash value of the random number in the registration information is consistent with the hash value of the random number stored in advance, and whether the hash value of the activation key in the registration information is consistent with the hash value of the activation key stored in advance. If both judgment results are yes, the vehicle-mounted payment device information is added to the database, and a registration success result is sent to the vehicle-mounted payment device; The vehicle-mounted payment device receives the result of successful registration and completes the initialization operation.

2. The vehicle-mounted payment device according to claim 1, characterized in that: The vehicle-mounted payment device is also used to receive the transaction result returned by the digital currency wallet, and send the transaction result to the ETC card and the charging terminal; The ETC chip and the digital currency chip are also used to record the transaction results.

3. The device according to claim 1, characterized in that The vehicle-mounted payment device also includes: a positioning module; The positioning module is used to obtain the driving distance of the vehicle and send the driving distance to the charging terminal.

4. The device according to claim 1, characterized in that The vehicle-mounted payment device further includes: a trusted encryption module; The trusted encryption module is used to encrypt and decrypt the transmission data inside the device.

5. The vehicle-mounted payment method related to the vehicle-mounted payment device as claimed in claim 1, characterized in that: include: Get the payment information sent by the charging terminal; generating a corresponding payment request using the payment information; Generate a corresponding digital currency bill using the payment request; Generate a corresponding deduction instruction using the digital currency bill; The deduction instruction and the pre-stored cardholder information are sent to the digital currency wallet, so that the digital currency wallet can deduct money based on the deduction instruction and the cardholder information.

6. The method according to claim 5, characterized in that Also includes: Receive the transaction result returned by the digital currency wallet, and send the transaction result to the charging terminal.

7. The vehicle-mounted payment system related to the vehicle-mounted payment device as claimed in claim 1, characterized in that: include: Toll terminals, in-vehicle payment devices and digital currency wallets; The charging terminal is used to send payment information to the vehicle-mounted payment device; The vehicle-mounted payment device is used to obtain payment information sent by the charging terminal, generate a corresponding payment request using the payment information, generate a corresponding digital currency bill using the payment request, generate a corresponding deduction instruction using the digital currency bill, and send the deduction instruction and pre-stored cardholder information to the digital currency wallet; The digital currency wallet is used to deduct money based on the deduction instruction and the cardholder information.

8. The vehicle-mounted payment system according to claim 7, characterized in that: The process of the digital currency wallet deducting money based on the deduction instruction and the cardholder information includes: Using the cardholder information to verify with pre-stored wallet information; If the cardholder information is consistent with the wallet information, deduction is performed according to the deduction instruction; If the cardholder information is inconsistent with the wallet information, the deduction fails.

9. The vehicle-mounted payment system according to claim 8, characterized in that: When the cardholder information is consistent with the wallet information, the process of the digital currency wallet deducting money according to the deduction instruction includes: Determine whether the balance in the digital currency wallet is sufficient to complete the deduction; If the balance in the digital currency wallet is sufficient to complete the deduction, the deduction is carried out according to the deduction instruction; If the balance in the digital currency wallet is insufficient to complete the deduction, determine whether the information of the bank account bound to the digital currency wallet is consistent with the cardholder information; If the information of the bank account bound to the digital currency wallet is consistent with the cardholder information, a deduction request is generated using the deduction instruction, and the deduction request is sent to the bank account, so that the bank account deducts money according to the deduction request; If the bank account information bound to the digital currency wallet is inconsistent with the cardholder information, the deduction will fail.

Images