Vehicle non-inductive payment system and method, electronic equipment and storage medium

Abstract

The invention provides a vehicle non-inductive payment system and method, electronic equipment and a storage medium, and the system comprises a vehicle end which is used for transmitting a Bluetooth pairing request to a field end when a vehicle is located at a position nearby a target field, transmitting vehicle information and vehicle UWB equipment information to the field end after the pairing is successful, and transmitting the vehicle information to the field end after receiving a transaction bill transmitted by the field end. Verifying the transaction bill and the driver, and signing the transaction bill to generate a transaction signature and a security certificate after verification succeeds; the field end is used for recording the vehicle information, carrying out real-time distance measurement processing on the vehicle, determining whether the vehicle enters the target field or is ready to leave the target field, determining a transaction bill of the vehicle based on the entrance time and the exit time, verifying a transaction signature and a security certificate, and sending the verification result to the server; and after the verification succeeds, the payment terminal is notified to deduct money from the payment account bound to the vehicle, so that non-inductive payment of the vehicle is completed, and the man-machine interaction experience feeling is improved.

Description

Technical Field

[0001] The present application relates to the field of fee payment technology, and in particular to a vehicle contactless payment system, method, electronic device and storage medium. Background Art

[0002] At this stage, vehicles have developed into an indispensable means of travel in people's lives. Vehicles will incur various expenses during travel. When driving a vehicle through a highway, it will incur tolls. When driving a vehicle to a shopping mall or other consumer place to shop, it will incur parking fees in the parking lot. When the vehicle needs to refuel, it will incur refueling consumption at a gas station. When the vehicle generates consumption behavior, there are currently two main payment methods: the first is to use ETC and vehicle information to realize payment. It is necessary to adopt a special card for single-purpose and multi-purpose. The card application and equipment activation process are complicated. A car can only be bound and used with one account, and it cannot be switched at will. It only supports consumption scenarios such as parking lots and highways. You must first recharge the ETC card before consumption, which causes many inconveniences in people's use. The second is to use the payment APP plus license plate information to realize payment. It uses a camera to recognize the license plate, which is greatly affected by the environment and has a low recognition rate. It is easy to have consumption caused by forged license plates. Therefore, how to quickly complete the payment of vehicle consumption information has become a technical problem that cannot be underestimated. Summary of the invention

[0003] In view of this, the purpose of this application is to provide a vehicle contactless payment system, method, electronic device and storage medium, which can realize that the consumption information of the vehicle in all consumption scenarios can be quickly and accurately identified, and the consumption information can be quickly transmitted to the vehicle end. Even in the case of network disconnection, the vehicle end can complete secure payment in time without the need for the owner to operate. This not only saves the owner's payment time and improves transaction security, but also improves the human-computer interaction experience.

[0004] The embodiment of the present application provides a vehicle contactless payment system, which includes a vehicle end, a field end, and a payment end, wherein the field end is communicatively connected with the vehicle end and the payment end; wherein:

[0005] The vehicle end is used to send a Bluetooth pairing request to the field end of the target field when the vehicle is located near the target field, send vehicle information and vehicle UWB device information to the field end based on the vehicle-mounted Bluetooth after the Bluetooth pairing is successful, and after receiving the transaction bill sent by the field end, verify the transaction bill and the driver of the vehicle, sign the transaction bill after the verification is successful to generate a transaction signature and a security certificate, and send the transaction signature and the security certificate to the field end;

[0006] The field end is used to record the vehicle information, and perform real-time ranging processing on the vehicle based on the vehicle UWB device information and the UWB base station of the field end, determine whether the vehicle has entered the target venue and whether it is about to leave the target venue, and determine the entry and exit time, and determine the transaction bill of the vehicle based on the entry time and the exit time, send the transaction bill to the vehicle end based on the field end Bluetooth, verify the transaction signature and security certificate, and after successful verification, notify the payment end to deduct the payment account bound to the vehicle to complete the contactless payment of the vehicle.

[0007] In a possible implementation manner, the field end includes a vehicle positioning module, and the vehicle positioning module is used to:

[0008] After receiving the ranging command for the vehicle UWB device information, control the UWB base station to establish a link with the UWB anchor point of the vehicle UWB device information that carries the vehicle UWB device information, and after the link is successfully established, perform ranging processing on the vehicle in real time to determine the ranging distance between the vehicle and the target site;

[0009] When the distance between the vehicle and the target site is equal to a first preset distance, it is determined that the vehicle has entered the site;

[0010] When the distance between the vehicle and the target site is equal to a second preset distance, it is determined that the vehicle is ready to leave the target site.

[0011] In a possible implementation manner, the field end includes a server module, and the server module is used to:

[0012] If the payment end successfully deducts the payment account bound to the vehicle, the interception module of the field end is controlled to be in an open state;

[0013] If the payment end fails to deduct money from the payment account bound to the vehicle, the interception module of the field end is controlled to be in an inactive state.

[0014] In a possible implementation manner, the vehicle end includes a vehicle central control module, and the vehicle central control module is used to:

[0015] The vehicle information of the vehicle is set, wherein the vehicle information includes vehicle license plate information, owner's mobile phone number information, owner's identity information, owner's facial image information and password-free payment limit.

[0016] In a possible implementation manner, when the vehicle end is used to verify the transaction bill and the driver of the vehicle, the vehicle end is specifically used to:

[0017] Verify whether the fee information in the transaction bill exceeds the preset password-free payment limit in the vehicle information;

[0018] If the password-free payment limit is not exceeded, verify whether the driver's facial image information is consistent with the preset vehicle owner's facial image information in the vehicle information, and if they are consistent, the verification is successful;

[0019] If the amount exceeds the preset password-free payment limit, a pop-up window of the consumption amount will pop up to wait for the driver's confirmation and then authenticate the driver. If the identity authentication is unsuccessful, the transaction bill will not be signed.

[0020] In a possible implementation manner, when the payment end is used to deduct money from the payment account bound to the vehicle, the payment end is specifically used to:

[0021] Check whether the balance of the payment account satisfies the transaction bill;

[0022] If not, the interception module is not activated, and the driver is reminded to recharge the payment account;

[0023] If so, the payment account bound to the vehicle is deducted and the interception module is activated.

[0024] In a possible implementation manner, the vehicle end further includes a speaker, and the speaker is used to:

[0025] After the vehicle central control module displays that the payment is successful, the speaker broadcasts the payment success information and consumption information.

[0026] The embodiment of the present application also provides a vehicle contactless payment method, the vehicle contactless payment method comprising:

[0027] When the vehicle is located near the target site, a Bluetooth pairing request is sent to the target site's site end. After the Bluetooth pairing is successful, the vehicle information and the vehicle UWB device information are sent to the site end based on the vehicle's Bluetooth.

[0028] The vehicle information is recorded, and based on the vehicle UWB device information and the UWB base station at the site, real-time ranging processing is performed on the vehicle to determine whether the vehicle has entered the target site and is about to leave the target site, as well as the entry and exit time and exit time;

[0029] Determine the transaction bill of the vehicle based on the entry time and the exit time, verify the transaction bill and the driver of the vehicle, and after successful verification, sign the transaction bill to generate a transaction signature and a security certificate;

[0030] The transaction signature and security certificate are verified, and after successful verification, the payment end is notified to deduct the payment from the payment account bound to the vehicle to complete the contactless payment of the vehicle.

[0031] An embodiment of the present application also provides an electronic device, including: a processor, a memory and a bus, wherein the memory stores machine-readable instructions executable by the processor, and when the electronic device is running, the processor and the memory communicate through the bus, and when the machine-readable instructions are executed by the processor, the steps of the above-mentioned vehicle contactless payment method are performed.

[0032] An embodiment of the present application also provides a computer-readable storage medium, on which a computer program is stored. When the computer program is executed by a processor, the steps of the vehicle contactless payment method as described above are executed.

[0033] The embodiments of the present application provide a vehicle contactless payment system, method, electronic device and storage medium, wherein the vehicle contactless payment system includes a vehicle end, a field end and a payment end, wherein the field end is communicatively connected with the vehicle end and the payment end; wherein the vehicle end is used to send a Bluetooth pairing request to the field end of the target field when the vehicle is located near the target field, and after successful Bluetooth pairing, send vehicle information and vehicle UWB device information to the field end based on the vehicle-mounted Bluetooth, and after receiving the transaction bill sent by the field end, verify the transaction bill and the driver of the vehicle, and after successful verification, sign the transaction bill to generate a transaction signature and a security certificate, and then send the transaction signature and The security certificate is sent to the field end; the field end is used to record the vehicle information, and perform real-time ranging processing on the vehicle based on the vehicle UWB device information and the UWB base station of the field end, determine whether the vehicle has entered the target site and is about to leave the target site, and determine the entry and exit time, and determine the transaction bill of the vehicle based on the entry time and the exit time, send the transaction bill to the vehicle end based on the field end Bluetooth, verify the transaction signature and security certificate, and notify the payment end to deduct the payment account bound to the vehicle after successful verification, so as to complete the contactless payment of the vehicle. It realizes that the consumption information of the vehicle in all consumption scenarios can be quickly and accurately identified, and the consumption information can be quickly transmitted to the vehicle end, and the vehicle end can complete the secure payment in time even when the network is disconnected without the owner's operation, which can not only save the owner's payment time and improve transaction security, but also improve the human-computer interaction experience.

[0034] In order to make the above-mentioned objects, features and advantages of the present application more obvious and easy to understand, preferred embodiments are specifically cited below and described in detail with reference to the attached drawings. BRIEF DESCRIPTION OF THE DRAWINGS

[0035] In order to more clearly illustrate the technical solutions of the embodiments of the present application, the drawings required for use in the embodiments will be briefly introduced below. It should be understood that the following drawings only show certain embodiments of the present application and therefore should not be regarded as limiting the scope. For ordinary technicians in this field, other related drawings can be obtained based on these drawings without paying creative work.

[0036] Figure 1 This is one of the structural schematic diagrams of a vehicle contactless payment system provided in an embodiment of the present application;

[0037] Figure 2 The second structural diagram of a vehicle contactless payment system provided in an embodiment of the present application;

[0038] Figure 3 A schematic diagram of information binding and vehicle ranging activation provided in an embodiment of the present application;

[0039] Figure 4 A flow chart of a vehicle contactless payment method provided in an embodiment of the present application;

[0040] Figure 5 A schematic diagram of the structure of an electronic device provided in an embodiment of the present application.

[0041] Icons: 100- vehicle contactless payment system; 110- vehicle end; 111- vehicle central control module; 112- speaker; 113- vehicle Bluetooth; 120- field end; 121- vehicle positioning module; 122- server module; 123- field end Bluetooth; 130- payment end; 500- electronic device; 510- processor; 520- memory; 530- bus. DETAILED DESCRIPTION

[0042] To make the purpose, technical scheme and advantages of the embodiments of the present application clearer, the technical scheme in the embodiments of the present application will be clearly and completely described below in conjunction with the drawings in the embodiments of the present application. Obviously, the described embodiments are only a part of the embodiments of the present application, rather than all of the embodiments. The components of the embodiments of the present application usually described and shown in the drawings here can be arranged and designed in various different configurations. Therefore, the following detailed description of the embodiments of the present application provided in the drawings is not intended to limit the scope of the application claimed for protection, but merely represents the selected embodiments of the present application. Based on the embodiments of the present application, each other embodiment obtained by those skilled in the art without making creative work belongs to the scope of protection of the present application.

[0043] First, the application scenarios to which the present application is applicable are introduced. The present application can be applied to the field of fee payment technology.

[0044] According to research, vehicles have become an indispensable means of transportation in people's lives at this stage. Vehicles will incur various expenses during travel. When driving a vehicle through a highway, it will incur tolls. When driving a vehicle to a shopping mall or other consumer place to shop, it will incur parking fees in the parking lot. When the vehicle needs to refuel, it will incur refueling consumption at a gas station. There are currently two main payment methods after the vehicle generates consumption behavior: the first is to use ETC and vehicle information to realize payment. It is necessary to adopt a special card for single-purpose and multi-purpose. The card application and equipment activation process are complicated. A car can only be bound and used with one account, and it cannot be switched at will. It only supports consumption scenarios such as parking lots and highways. It must first recharge the ETC card before consumption, which causes many inconveniences in people's use. The second is to use the payment APP plus license plate information to realize payment. It uses a camera to recognize the license plate, which is greatly affected by the environment and has a low recognition rate. It is easy to have consumption caused by forged license plates. Therefore, how to quickly complete the payment of vehicle consumption information has become a technical problem that cannot be underestimated.

[0045] Based on this, the embodiment of the present application provides a vehicle contactless payment system, which enables the consumption information of the vehicle in all consumption scenarios to be quickly and accurately identified, and the consumption information can be quickly transmitted to the vehicle end. The vehicle end can complete secure payment in time even when the network is disconnected and does not require the owner to operate. It can not only save the owner's payment time and improve transaction security, but also improve the human-computer interaction experience.

[0046] See also Figure 1 , Figure 1 This is one of the structural diagrams of a vehicle contactless payment system provided in an embodiment of the present application. Figure 1As shown in , the vehicle contactless payment system provided in the embodiment of the present application includes a vehicle end 110 , a field end 120 and a payment end 130 , and the field end 120 is communicatively connected with the vehicle end 110 and the payment end 130 .

[0047] Specifically, the vehicle end 110 is used to send a Bluetooth pairing request to the field end 120 of the target field when the vehicle is located near the target field. After the Bluetooth pairing is successful, the vehicle information and the vehicle UWB device information are sent to the field end 120 based on the vehicle Bluetooth 113. After receiving the transaction bill sent by the field end 120, the transaction bill and the driver of the vehicle are verified. After the verification is successful, the transaction bill is signed to generate a transaction signature and a security certificate, and the transaction signature and the security certificate are sent to the field end 120; the field end 120 is used to record the vehicle information and based on The vehicle UWB device information and the UWB base station of the field end 120 perform real-time ranging processing on the vehicle to determine whether the vehicle has entered the target site and is about to leave the target site, as well as the entry and exit time, and the transaction bill of the vehicle is determined based on the entry time and the exit time. The transaction bill is sent to the vehicle end 110 based on the field end 120 Bluetooth, and the transaction signature and security certificate are verified. After successful verification, the payment end 130 is notified to deduct the payment account bound to the vehicle to complete the contactless payment of the vehicle.

[0048] Here, the vehicle includes a vehicle central control module 111, an information identification module, a wireless communication module (on-board Bluetooth) and a security chip. The field end 120 is a control terminal corresponding to places such as parking lots, gas stations and highway entrances where vehicle consumption will occur. The field end 120 includes a vehicle positioning module 121, a wireless communication module (field end Bluetooth 123), an interception module and a server module 122. The payment end 130 can be other service ends such as Cloud QuickPass that can complete payment.

[0049] Among them, the nearby location is set based on expert experience, and the vehicle information includes vehicle license plate information, owner’s mobile phone number information, owner’s identity information, owner’s facial image information, and other information such as password-free payment amount.

[0050] Here, the target site may be a parking lot, a gas station, a highway entrance or other sites.

[0051] Among them, the security chip of the vehicle end 110 digitally signs the confirmed transaction bill and generates a security certificate. In this solution, the security chip is used to digitally sign the consumption information. When the field end 120 sends the consumption bill to the vehicle end 110, after the vehicle end 110 verifies that it is correct, the security chip digitally signs the payment information and generates a security certificate and sends it to the field end 120, thereby improving the security of data transmission and avoiding subsequent disputes over transactions between the vehicle end 110 and the field end 120.

[0052] Here, in order to implement this solution, the car owner needs to download the UnionPay QuickPass APP on his mobile phone and activate the contactless parking function through the following process: search the car owner's life → click on parking → bind the license plate number and click on contactless parking → agree to the UnionPay QuickPass agreement and select the bank card deduction order. Subsequently, the vehicle can use the bank card bound to UnionPay QuickPass for contactless parking payment.

[0053] In a specific embodiment, the vehicle end 110 is used to send a Bluetooth pairing request to the field end 120 of the target field when the vehicle is located near the target field. After the Bluetooth pairing is successful, the vehicle information and the vehicle UWB device information are sent to the field end 120 using the vehicle-mounted Bluetooth. The field end 120 is used to record the vehicle information, and perform real-time ranging processing on the vehicle according to the vehicle UWB device information and the UWB base station of the field end 120, determine whether the vehicle has entered the target field and is about to leave the target field, and determine the entry and exit time and the exit time, and use the entry and exit The vehicle's transaction bill is determined based on the time and departure time, and the transaction bill is sent to the vehicle end 110 through the field end Bluetooth 123. After the vehicle end 110 receives the transaction bill sent by the field end 120, it verifies the transaction bill and the driver of the vehicle. After the verification is successful, the transaction bill is signed to generate a transaction signature and a security certificate, and the transaction signature and security certificate are sent to the field end 120. The field end 120 verifies the transaction signature and security certificate. After the verification is successful, it notifies the payment end 130 to deduct the payment account bound to the vehicle to complete the vehicle's contactless payment.

[0054] For further information, see Figure 2 , Figure 2 This is a second structural diagram of a vehicle contactless payment system provided in an embodiment of the present application. Figure 2 As shown, the field end 120 includes a vehicle positioning module 121 .

[0055] In a possible implementation, the vehicle positioning module 121 is used to:

[0056] A: After receiving the ranging command for the vehicle's UWB device information, the UWB base station is controlled to establish a link with the UWB anchor point of the vehicle's UWB device information that carries the vehicle's UWB device information. After the link is successfully established, the vehicle is ranged in real time to determine the ranging distance between the vehicle and the target site.

[0057] Here, the field-side Bluetooth 123 sends the ranging command for the vehicle UWB device information to the vehicle positioning module 121. The vehicle positioning module 121 controls the UWB base station to establish a link with the UWB anchor point of the vehicle UWB device information that carries the vehicle UWB device information. After the link is successfully established, the vehicle is ranged in real time to determine the ranging distance between the vehicle and the target site.

[0058] B: When the distance between the vehicle and the target site is equal to a first preset distance, it is determined that the vehicle enters the site end 120 .

[0059] Here, when the distance between the vehicle and the target site is equal to the first preset distance, it is determined that the vehicle enters the site terminal 120 .

[0060] C: When the distance between the vehicle and the target site is equal to a second preset distance, it is determined that the vehicle is ready to leave the target site.

[0061] Here, when the distance between the vehicle and the target site is equal to the second preset distance, it is determined that the vehicle is ready to leave the target site.

[0062] When the vehicle enters the target site, the server module 122 determines the entry and exit time, and when the vehicle leaves the target site, the server module 122 determines the exit and entry time. The first preset distance and the second preset distance are different. For the specific setting process, please refer to the actual application for numerical setting, and this part is not specifically limited.

[0063] In a possible implementation manner, the vehicle end 110 includes a vehicle central control module 111, and the vehicle central control module 111 is used to:

[0064] The vehicle information of the vehicle is set, wherein the vehicle information includes vehicle license plate information, owner's mobile phone number information, owner's identity information, owner's facial image information and password-free payment limit.

[0065] For further information, see Figure 3 , Figure 3 This is a schematic diagram of information binding and vehicle ranging activation provided in the embodiment of the present application. Figure 3As shown, after the owner purchases the vehicle, the vehicle end 110 obtains the vehicle information (vehicle UWB device information, vehicle license plate information, owner's mobile phone number, owner's identity, and the face of the person who can use the vehicle for non-contact car payment in the future) for binding, which is used for subsequent effective identification of the vehicle, and only the owner or authorized personnel can change the vehicle information. When the vehicle enters the vicinity of the field end 120, the vehicle Bluetooth 113 and the field end Bluetooth 123 complete the pairing, and the vehicle end 110 transmits the vehicle information and vehicle UWB device information to the field end 120 via Bluetooth. After receiving the information, the field end Bluetooth 123 transmits the ranging command carrying the vehicle UWB device information to the field end UWB base station. After receiving the ranging command, the UWB base station starts to establish a round of ranging with the UWB anchor point of the vehicle end 110 carrying the vehicle UWB device information. When the distance between the vehicle and the field end 120 reaches the first preset distance, the field end 120 considers that the vehicle has entered the field and records the vehicle information and entry time.

[0066] In a possible implementation, the field end 120 includes a server module 122, and the server module 122 is used to:

[0067] If the payment end 130 successfully deducts the payment account bound to the vehicle, the interception module of the field end 120 is controlled to be in an open state;

[0068] If the payment end 130 fails to deduct money from the payment account bound to the vehicle, the interception module of the field end 120 is controlled to be in an inactive state.

[0069] Here, the server module 122 is also used to record the vehicle's entry and exit time and calculate consumption bills (including parking fees, refueling fees, charging electricity fees, highway tolls and any other tradable consumption lists), verify the transaction signature and digital certificate transmitted by the vehicle, and control the opening and closing of the interception module.

[0070] In a possible implementation manner, when the vehicle end 110 is used to verify the transaction bill and the driver of the vehicle, the vehicle end 110 is specifically used to:

[0071] (1): Verify whether the fee information in the transaction bill exceeds the preset password-free payment limit in the vehicle information.

[0072] Here, verify whether the fee information in the transaction bill exceeds the preset password-free payment limit in the vehicle information.

[0073] (2): If the password-free payment limit is not exceeded, verify whether the driver's facial image information is consistent with the preset vehicle owner's facial image information in the vehicle information. If they are consistent, the verification is successful.

[0074] Here, if the password-free payment limit is not exceeded, the driver's facial image information is verified to see if it is consistent with the preset vehicle owner's facial image information in the vehicle information. If they are consistent, the verification is successful.

[0075] If the facial image information of the verified driver is inconsistent with the preset facial image information of the vehicle owner in the vehicle information, the vehicle central control module 111 reminds the driver to pay the fee in other ways.

[0076] (3): If the amount exceeds the preset password-free payment limit, a pop-up window will pop up to wait for the driver to confirm and then authenticate the driver. If the authentication fails, the transaction bill will not be signed.

[0077] Here, if the preset password-free payment limit is exceeded, a pop-up window of the consumption amount will pop up and wait for the driver's confirmation before the driver's identity is authenticated. If the identity authentication is unsuccessful, the transaction bill will not be signed.

[0078] In a possible implementation manner, when the payment terminal 130 is used to deduct money from the payment account bound to the vehicle, the payment terminal 130 is specifically used to:

[0079] Check whether the balance of the payment account satisfies the transaction bill; if not, do not activate the interception module and remind the driver to recharge the payment account; if yes, deduct the payment account bound to the vehicle and activate the interception module.

[0080] Here, it is checked whether the balance of the payment account meets the transaction bill; if not, the interception module is not activated and the driver is reminded to recharge the payment account; if so, the payment account bound to the vehicle is deducted and the interception module is activated.

[0081] In a possible implementation manner, the vehicle end 110 further includes a speaker 112, and the speaker 112 is used to:

[0082] After the vehicle central control module 111 displays that the payment is successful, the speaker 112 broadcasts the payment success information and consumption information.

[0083] The vehicle end 110 also includes an information identification module, which includes a speaker 112, a 3D camera and a microphone. The 3D camera is used to confirm the identity of the bank card holder, the speaker 112 is used for audio output, and the microphone is used for audio input.

[0084] In a specific embodiment, the process of vehicle exit and fee payment is as follows: when the distance between the vehicle and the target site reaches a second preset distance, the site 120 considers that the vehicle is ready to exit, the vehicle positioning module 121 detects the vehicle exit and transmits the information to the server module 122 of the site 120, the server module 122 records the exit time, and calculates the vehicle consumption amount according to the parking lot charging rules, and the site 120 generates a transaction bill and transmits it to the vehicle via Bluetooth. The vehicle collects the transaction bill. After receiving the fee information, the vehicle end 110 needs to first determine whether the payment fee exceeds the pre-set password-free payment limit. If it does not exceed the password-free payment limit, after the driver successfully authorizes the identity, the vehicle uses the security chip to sign the transaction bill to generate a transaction signature and a security certificate and transmits it to the field end 120 via Bluetooth. After the server module 122 of the field end 120 verifies the digital signature and the security certificate, it can deduct the bank card bound to the license plate number; if the consumption amount exceeds the password-free limit, the vehicle central control module 111 pops up a consumption amount pop-up window. After the owner confirms and authorizes the identity, the vehicle uses the security chip to sign the transaction bill to generate a transaction signature and a security certificate and transmits it to the field end 120 via Bluetooth. After the field end 120 server verifies the digital signature and the security certificate, it can deduct the bank card bound to the license plate number. After the field end 120 successfully deducts the money, it sends the payment success notification to the vehicle end 110 via the field end Bluetooth 123. The vehicle central control module 111 displays the payment success and consumption information and broadcasts it through the speaker 112. At the same time, the field end 120 lifts the barrier to release the vehicle and sends an invoice link to the owner's mobile phone. After filling in the information, the owner chooses to submit the corresponding bill. Subsequently, the field end 120 generates the invoice and sends it to the email address provided by the owner.

[0085] The embodiment of the present application provides a vehicle contactless payment system, which includes a vehicle side, a field side and a payment side, wherein the field side is communicatively connected with the vehicle side and the payment side; wherein the vehicle side is used to send a Bluetooth pairing request to the field side of the target site when the vehicle is located near the target site, and after successful Bluetooth pairing, the vehicle information and vehicle UWB device information are sent to the field side based on the vehicle-mounted Bluetooth, and after receiving the transaction bill sent by the field side, the transaction bill and the driver of the vehicle are verified, and after successful verification, the transaction bill is signed to generate a transaction signature and a security certificate, and the transaction signature and the security certificate are sent to the field side. The field end is used to record the vehicle information, and perform real-time distance measurement on the vehicle based on the vehicle UWB device information and the field end UWB base station, determine whether the vehicle has entered the target site and is about to leave the target site, and determine the entry and exit time, and determine the transaction bill of the vehicle based on the entry time and the exit time, send the transaction bill to the vehicle end based on the field end Bluetooth, verify the transaction signature and security certificate, and notify the payment end to deduct the payment account bound to the vehicle after successful verification, so as to complete the contactless payment of the vehicle. It realizes that the consumption information of the vehicle in all consumption scenarios can be quickly and accurately identified, and the consumption information can be quickly transmitted to the vehicle end, and the vehicle end can complete the secure payment in time even when the network is disconnected without the owner's operation, which can not only save the owner's payment time and improve the transaction security, but also improve the human-computer interaction experience.

[0086] See also Figure 4 , Figure 4 This is a flow chart of a vehicle contactless payment method provided in an embodiment of the present application. Figure 4 As shown in , the vehicle contactless payment method provided by the embodiment of the present application includes:

[0087] S401: When the vehicle is located near the target site, a Bluetooth pairing request is sent to the site end of the target site. After the Bluetooth pairing is successful, the vehicle information and the vehicle UWB device information are sent to the site end based on the vehicle-mounted Bluetooth.

[0088] In this step, when the vehicle is located near the target site, a Bluetooth pairing request is sent to the site end of the target site. After the Bluetooth pairing is successful, the vehicle information and vehicle UWB device information are sent to the site end according to the vehicle-mounted Bluetooth.

[0089] Among them, Bluetooth pairing is the matching of the vehicle-mounted Bluetooth and the field-side Bluetooth.

[0090] S402: Record the vehicle information, and perform real-time ranging processing on the vehicle based on the vehicle UWB device information and the UWB base station at the site to determine whether the vehicle has entered the target site and is about to leave the target site, as well as the entry and exit time.

[0091] In this step, the vehicle information is recorded, and the vehicle is measured in real time based on the vehicle UWB device information and the UWB base station at the site to determine whether the vehicle has entered the target site and is about to leave the target site, as well as the entry and exit time.

[0092] S403: Determine the transaction bill of the vehicle based on the entry time and the exit time, verify the transaction bill and the driver of the vehicle, and after successful verification, sign the transaction bill to generate a transaction signature and a security certificate.

[0093] In this step, the transaction bill of the vehicle is determined based on the entry time and exit time, the transaction bill and the driver of the vehicle are verified, and after successful verification, the transaction bill is signed to generate a transaction signature and a security certificate.

[0094] S404: Verify the transaction signature and security certificate. After successful verification, notify the payment end to deduct money from the payment account bound to the vehicle to complete the contactless payment of the vehicle.

[0095] In this step, the transaction signature and security certificate are verified. After successful verification, the payment end is notified to deduct the payment account bound to the vehicle to complete the contactless payment of the vehicle.

[0096] In a possible implementation manner, the real-time ranging processing of the vehicle based on the vehicle UWB device information and the UWB base station of the field end to determine whether the vehicle has entered the target site and is about to leave the target site includes:

[0097] After receiving the ranging command for the vehicle UWB device information, control the UWB base station to establish a link with the UWB anchor point of the vehicle UWB device information that carries the vehicle UWB device information, and after the link is successfully established, perform ranging processing on the vehicle in real time to determine the ranging distance between the vehicle and the target site;

[0098] When the distance between the vehicle and the target site is equal to a first preset distance, it is determined that the vehicle has entered the site;

[0099] When the distance between the vehicle and the target site is equal to a second preset distance, it is determined that the vehicle is ready to leave the target site.

[0100] In a possible implementation manner, the vehicle contactless payment method further includes:

[0101] If the payment end successfully deducts the payment account bound to the vehicle, the interception module of the field end is controlled to be in an open state;

[0102] If the payment end fails to deduct money from the payment account bound to the vehicle, the interception module of the field end is controlled to be in an inactive state.

[0103] In a possible implementation manner, the vehicle contactless payment method further includes:

[0104] The vehicle information of the vehicle is set, wherein the vehicle information includes vehicle license plate information, owner's mobile phone number information, owner's identity information, owner's facial image information and password-free payment limit.

[0105] In a possible implementation manner, the verification process of the transaction bill and the driver of the vehicle includes:

[0106] Verify whether the fee information in the transaction bill exceeds the preset password-free payment limit in the vehicle information;

[0107] If the password-free payment limit is not exceeded, verify whether the driver's facial image information is consistent with the preset vehicle owner's facial image information in the vehicle information, and if they are consistent, the verification is successful;

[0108] If the amount exceeds the preset password-free payment limit, a pop-up window of the consumption amount will pop up to wait for the driver's confirmation and then authenticate the driver. If the identity authentication is unsuccessful, the transaction bill will not be signed.

[0109] In a possible implementation manner, deducting money from the payment account bound to the vehicle includes:

[0110] Check whether the balance of the payment account satisfies the transaction bill;

[0111] If not, the interception module is not activated, and the driver is reminded to recharge the payment account;

[0112] If so, the payment account bound to the vehicle is deducted and the interception module is activated.

[0113] In a possible implementation, the vehicle contactless payment method includes:

[0114] After the vehicle central control module displays that the payment is successful, the speaker broadcasts the payment success information and consumption information.

[0115] A vehicle contactless payment method provided in an embodiment of the present application includes: when a vehicle is located near a target site, sending a Bluetooth pairing request to a site end of the target site, and after successful Bluetooth pairing, sending vehicle information and vehicle UWB device information to the site end based on the vehicle-mounted Bluetooth; recording the vehicle information, and performing real-time ranging processing on the vehicle based on the vehicle UWB device information and the UWB base station of the site end to determine whether the vehicle has entered the target site and whether it is about to leave the target site, as well as determining the entry and exit time and exit time; determining the transaction bill of the vehicle based on the entry time and the exit time, verifying the transaction bill and the driver of the vehicle, and after successful verification, signing the transaction bill to generate a transaction signature and a security certificate; verifying the transaction signature and the security certificate, and after successful verification, notifying the payment end to deduct money from the payment account bound to the vehicle to complete the contactless payment of the vehicle. It ensures that the vehicle's consumption information in all consumption scenarios can be quickly and accurately identified, and the consumption information can be quickly transmitted to the vehicle end. The vehicle end can complete secure payment in a timely manner even when the network is disconnected, and no operation is required by the owner. This not only saves the owner's payment time and improves transaction security, but also enhances the human-computer interaction experience.

[0116] See also Figure 5 , Figure 5 This is a schematic diagram of the structure of an electronic device provided in an embodiment of the present application. Figure 5 As shown in , the electronic device 500 includes a processor 510 , a memory 520 and a bus 530 .

[0117] The memory 520 stores machine-readable instructions executable by the processor 510. When the electronic device 500 is running, the processor 510 communicates with the memory 520 via the bus 530. When the machine-readable instructions are executed by the processor 510, the above-mentioned Figure 4 The steps of the vehicle contactless payment method in the method embodiment shown, the specific implementation method can be found in the method embodiment, and will not be repeated here.

[0118] The present application also provides a computer-readable storage medium on which a computer program is stored. When the computer program is executed by a processor, the computer program can execute the above-mentioned Figure 4 The steps of the vehicle contactless payment method in the method embodiment shown, the specific implementation method can be found in the method embodiment, and will not be repeated here.

[0119] Those skilled in the art can clearly understand that, for the convenience and brevity of description, the specific working processes of the systems, devices and units described above can refer to the corresponding processes in the aforementioned method embodiments and will not be repeated here.

[0120] In the several embodiments provided in the present application, it should be understood that the disclosed systems, devices and methods can be implemented in other ways. The device embodiments described above are merely schematic. For example, the division of the units is only a logical function division. There may be other division methods in actual implementation. For example, multiple units or components can be combined or integrated into another system, or some features can be ignored or not executed. Another point is that the mutual coupling or direct coupling or communication connection shown or discussed can be through some communication interfaces, and the indirect coupling or communication connection of devices or units can be electrical, mechanical or other forms.

[0121] The units described as separate components may or may not be physically separated, and the components shown as units may or may not be physical units, that is, they may be located in one place or distributed on multiple network units. Some or all of the units may be selected according to actual needs to achieve the purpose of the solution of this embodiment.

[0122] In addition, each functional unit in each embodiment of the present application may be integrated into one processing unit, or each unit may exist physically separately, or two or more units may be integrated into one unit.

[0123] If the functions are implemented in the form of software functional units and sold or used as independent products, they can be stored in a non-volatile computer-readable storage medium that is executable by a processor. Based on this understanding, the technical solution of the present application can essentially be embodied in the form of a software product, or in other words, the part that contributes to the prior art or the part of the technical solution. The computer software product is stored in a storage medium, including several instructions for a computer device (which can be a personal computer, a server, or a network device, etc.) to perform all or part of the steps of the method described in each embodiment of the present application. The aforementioned storage medium includes: various media that can store program codes, such as a USB flash drive, a mobile hard disk, a read-only memory (ROM), a random access memory (RAM), a magnetic disk or an optical disk.

[0124] Finally, it should be noted that the above-described embodiments are only specific implementation methods of the present application, which are used to illustrate the technical solutions of the present application, rather than to limit them. The protection scope of the present application is not limited thereto. Although the present application is described in detail with reference to the above-mentioned embodiments, ordinary technicians in the field should understand that any technician familiar with the technical field can still modify the technical solutions recorded in the above-mentioned embodiments within the technical scope disclosed in the present application, or can easily think of changes, or make equivalent replacements for some of the technical features therein; and these modifications, changes or replacements do not make the essence of the corresponding technical solutions deviate from the spirit and scope of the technical solutions of the embodiments of the present application, and should be included in the protection scope of the present application. Therefore, the protection scope of the present application shall be based on the protection scope of the claims.

Claims

1. A vehicle contactless payment system, characterized in that: The vehicle contactless payment system includes a vehicle end, a field end and a payment end, and the field end is communicatively connected with the vehicle end and the payment end; wherein, The vehicle end is used to send a Bluetooth pairing request to the field end of the target field when the vehicle is located near the target field, send vehicle information and vehicle UWB device information to the field end based on the vehicle-mounted Bluetooth after the Bluetooth pairing is successful, and after receiving the transaction bill sent by the field end, verify the transaction bill and the driver of the vehicle, sign the transaction bill after the verification is successful to generate a transaction signature and a security certificate, and send the transaction signature and the security certificate to the field end; The field end is used to record the vehicle information, and perform real-time ranging processing on the vehicle based on the vehicle UWB device information and the UWB base station of the field end, determine whether the vehicle has entered the target venue and whether it is about to leave the target venue, and determine the entry and exit time, and determine the transaction bill of the vehicle based on the entry time and the exit time, send the transaction bill to the vehicle end based on the field end Bluetooth, verify the transaction signature and security certificate, and after successful verification, notify the payment end to deduct the payment account bound to the vehicle to complete the contactless payment of the vehicle.

2. The vehicle contactless payment system according to claim 1, characterized in that: The field end includes a vehicle positioning module, and the vehicle positioning module is used to: After receiving the ranging command for the vehicle UWB device information, control the UWB base station to establish a link with the UWB anchor point of the vehicle UWB device information that carries the vehicle UWB device information, and after the link is successfully established, perform ranging processing on the vehicle in real time to determine the ranging distance between the vehicle and the target site; When the distance between the vehicle and the target site is equal to a first preset distance, it is determined that the vehicle has entered the site; When the distance between the vehicle and the target site is equal to a second preset distance, it is determined that the vehicle is ready to leave the target site.

3. The vehicle contactless payment system according to claim 1, characterized in that: The field end includes a server module, and the server module is used for: If the payment end successfully deducts the payment account bound to the vehicle, the interception module of the field end is controlled to be in an open state; If the payment end fails to deduct money from the payment account bound to the vehicle, the interception module of the field end is controlled to be in an inactive state.

4. The vehicle contactless payment system according to claim 1, characterized in that: The vehicle end includes a vehicle central control module, and the vehicle central control module is used to: The vehicle information of the vehicle is set, wherein the vehicle information includes vehicle license plate information, owner's mobile phone number information, owner's identity information, owner's facial image information and password-free payment limit.

5. The vehicle contactless payment system according to claim 1, characterized in that: When the vehicle end is used to verify the transaction bill and the driver of the vehicle, the vehicle end is specifically used to: Verify whether the fee information in the transaction bill exceeds the preset password-free payment limit in the vehicle information; If the password-free payment limit is not exceeded, verify whether the driver's facial image information is consistent with the preset vehicle owner's facial image information in the vehicle information, and if they are consistent, the verification is successful; If the amount exceeds the preset password-free payment limit, a pop-up window of the consumption amount will pop up to wait for the driver's confirmation and then authenticate the driver. If the identity authentication is unsuccessful, the transaction bill will not be signed.

6. The vehicle contactless payment system according to claim 1, characterized in that: When the payment terminal is used to deduct money from the payment account bound to the vehicle, the payment terminal is specifically used to: Check whether the balance of the payment account satisfies the transaction bill; If not, the interception module is not activated, and the driver is reminded to recharge the payment account; If so, the payment account bound to the vehicle is deducted and the interception module is activated.

7. The vehicle contactless payment system according to claim 4, characterized in that: The vehicle end further includes a speaker, which is used for: After the vehicle central control module displays that the payment is successful, the speaker broadcasts the payment success information and consumption information.

8. A vehicle contactless payment method, characterized in that: The vehicle contactless payment method is applied to the vehicle contactless payment system according to any one of claims 1 to 7, and the vehicle contactless payment method includes: When the vehicle is located near the target site, a Bluetooth pairing request is sent to the target site's site end. After the Bluetooth pairing is successful, the vehicle information and the vehicle UWB device information are sent to the site end based on the vehicle's Bluetooth. The vehicle information is recorded, and based on the vehicle UWB device information and the UWB base station at the site, real-time ranging processing is performed on the vehicle to determine whether the vehicle has entered the target site and is about to leave the target site, as well as the entry and exit time and exit time; Determine the transaction bill of the vehicle based on the entry time and the exit time, verify the transaction bill and the driver of the vehicle, and after successful verification, sign the transaction bill to generate a transaction signature and a security certificate; The transaction signature and security certificate are verified, and after successful verification, the payment end is notified to deduct the payment from the payment account bound to the vehicle to complete the contactless payment of the vehicle.

9. An electronic device, characterized in that: include: A processor, a memory and a bus, wherein the memory stores machine-readable instructions executable by the processor. When the electronic device is running, the processor and the memory communicate through the bus. When the machine-readable instructions are run by the processor, the steps of the vehicle contactless payment method as described in claim 8 are executed.

10. A computer-readable storage medium, characterized in that: The computer-readable storage medium stores a computer program, and when the computer program is executed by the processor, the steps of the vehicle contactless payment method as claimed in claim 8 are executed.

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