Vehicle-mounted intelligent payment system and control method thereof

Abstract

The invention discloses a vehicle-mounted intelligent payment system and a control method thereof, the vehicle-mounted intelligent payment system comprises a central control large screen, a main controller, camera equipment and intelligent vehicle window display equipment, and a user selects to enter a consumption code scanning payment mode or a payment code showing payment mode according to a payment scene; the main controller is used for controlling the system to enter a consumption code scanning payment mode or a payment code showing payment mode and assisting a user in completing payment in the corresponding payment mode; the camera device scans a consumption two-dimensional code in a consumption code scanning payment mode and carries out face recognition payment according to user needs in a payment confirmation stage; or in the payment code showing payment mode, face recognition payment is carried out according to the needs of the user in the payment confirmation stage; and the intelligent vehicle window display equipment is used for performing vehicle window display on the payment two-dimensional code generated by the main controller, so that the outside-vehicle code scanning equipment scans the code for collection. Two payment scenes of code scanning payment and payment code showing payment can be completed through the vehicle, and the vehicle intelligent requirement is better met.

Description

Technical Field

[0001] The present invention belongs to the technical field of in-vehicle intelligent systems, and specifically relates to an in-vehicle intelligent payment system and a control method thereof. The system can complete two payment scenarios, namely, code scanning payment and payment by presenting a payment code, through a vehicle, and is particularly suitable for payment services in parking lots, mobile car restaurants and other places. Background Art

[0002] In addition to traditional cash payment, people are increasingly relying on QR code smart payment, that is, through mainstream applications such as WeChat, Alipay, and Cloud QuickPass, they bind their bank savings cards and credit cards to generate consumption QR codes or payment QR codes, and make QR code smart payments when they need to pay. There are two main smart payment methods to complete consumption payment and collection, one is to actively scan the code to confirm payment, and the other is to be scanned to confirm payment, that is, actively provide the payment QR code to confirm payment.

[0003] The main scenarios for mobile car payment now include parking lots, mobile fast-food restaurants, etc. The specific payment methods will vary according to different supported scenarios. In some scenarios, a QR code can be provided for consumption, and the car can actively start the code scanning function to complete the payment process; in some scenarios, a payment code needs to be presented, and the merchant scans the code to complete the payment. In this scenario, the car owner needs to show the QR code to the merchant, and the merchant scans the QR code through the device to complete the payment.

[0004] In the current payment state, the car owner controls the mobile phone or other mobile terminals to scan the consumption QR code or present the payment QR code to complete the payment process. The vehicle itself does not participate in the payment process. In the process of scanning or presenting the QR code, the car owner often needs to extend the mobile phone or other mobile terminals from the car window and approach the consumption QR code or the scanning and payment device to complete the relevant operation. Most of the time, due to limited space, it often brings inconvenience to the car owner.

[0005] Therefore, with the popularity of cars in people's daily lives and changes in consumer payment methods, the need to use cars as payment terminals is becoming increasingly urgent. Summary of the invention

[0006] In order to solve the above-mentioned problems existing in the prior art, the present invention provides a vehicle-mounted intelligent payment system and a control method thereof, which can complete two payment scenarios of scanning code payment and presenting payment code payment through the vehicle, better meet the needs of vehicle intelligence, expand the application field of vehicles, further free the driver's hands, and allow the driver to concentrate on vehicle driving operations, which is convenient for users to pay and can also improve driving safety to a certain extent.

[0007] The objective of the present invention is achieved through the following technical solutions:

[0008] As a first aspect of the present invention, a vehicle-mounted intelligent payment system is provided, comprising a central control screen, a main controller, a camera device, and an intelligent window display device; the central control screen is connected to the main controller via a CAN bus, and the camera device and the intelligent window display device are respectively connected to the main controller via a CAN bus;

[0009] After the smart payment system is started, the central control screen provides the user with a payment mode selection portal, and the user chooses to enter the scanning consumption code payment mode or the presenting payment code payment mode according to the payment scenario; and provides a payment method selection interface and / or a password input interface in the payment confirmation stage;

[0010] The main controller is used to control the system to enter the scanning consumption code payment mode or the presenting payment code payment mode, and assist the user to complete the payment in the corresponding payment mode, and store the payment information;

[0011] The camera device is used to scan the consumption QR code in the scanning consumption code payment mode and perform face recognition payment according to user needs in the payment confirmation stage; or to perform face recognition payment according to user needs in the payment confirmation stage in the payment code presentation payment mode;

[0012] The smart window display device is used to display the payment QR code generated by the main controller on the window in the payment code presentation payment mode, so that the code scanning device outside the vehicle can scan the code to receive payment.

[0013] Furthermore, the central control large screen includes:

[0014] A human-computer interaction interface is used to provide the user with a payment mode selection interface, as well as a payment method selection interface and / or a password input interface during the payment confirmation phase, and to display the current payment progress and payment results to the user during the payment process;

[0015] The communication module is used to communicate data with the main controller, send the user's payment mode selection result and payment password input information to the main controller; and feed back the payment process information and payment result to the human-computer interaction interface according to the control instructions sent by the main controller.

[0016] Furthermore, the main controller comprises:

[0017] The payment process control module is used to start the corresponding control process of scanning consumption code payment mode or presenting payment code payment mode according to the user's selection;

[0018] A camera control module, used to control each camera in the camera device to collect consumption QR code images and / or user face images according to the instructions of the payment process control module;

[0019] The car window display control module is used to generate the user's payment QR code information according to the instruction of the payment process control module and send the payment QR code information to the smart car window display device for payment QR code display;

[0020] The payment setting module is used for users to select payment methods and confirm payment amounts; the information recognition module is used to recognize consumption QR code images, user face images and / or user password input information, and send prompt information to the central control screen based on the information recognition results.

[0021] Furthermore, the payment setting module is also used for users to preset payment methods and payment amounts according to their own needs.

[0022] Furthermore, the main controller also includes a payment information storage module for storing payment information completed by the user through the vehicle-mounted intelligent payment system.

[0023] Furthermore, the camera device comprises:

[0024] External camera, used to collect consumer QR code images outside the vehicle;

[0025] Built-in camera, used to collect facial images of users in the car.

[0026] Furthermore, the exterior view camera includes a front view camera and a side view camera. The front view camera is used to collect images in front of the vehicle, and the side view camera is used to collect images outside the vehicle.

[0027] Furthermore, the smart window display device is arranged on a side window of the vehicle.

[0028] As a second aspect of the present invention, a control method of a vehicle-mounted intelligent payment system is also provided, comprising:

[0029] S1. The system payment function is activated, and the user selects the payment mode of scanning the consumption code or presenting the payment code on the central control screen according to the payment scenario;

[0030] When the scanning consumption code payment mode is selected, step S2 is executed; when the presenting payment code payment mode is selected, step S3 is executed;

[0031] S2. The main controller controls the camera to collect the QR code information of the consumption outside the vehicle, completes the QR code recognition of the consumption, passes the payment information back to the central control screen, and then proceeds to step S4;

[0032] S3. The main controller generates a payment QR code and displays the payment QR code through the smart window display device. The payment QR code is scanned by the external code scanning device and the payment information is transmitted back to the central control screen, and then the process proceeds to step S4;

[0033] S4. The central control screen provides a payment interface, and the user selects a payment method and confirms the payment amount on the payment interface, completes the payment operation of the corresponding payment method, and then proceeds to step S5;

[0034] S5. Payment result display and payment information storage: The main controller sends the payment result to the central control screen for display, and saves the payment information in the main controller.

[0035] Furthermore, in step S4, the payment method includes:

[0036] 1) Face recognition payment: The main controller controls the camera to collect the user's face image, and performs face identity authentication through the main controller. After the authentication is passed, the payment is confirmed;

[0037] 2) Password payment: The main controller sends instructions to the central control screen, and the central control screen provides a password input interface. After the user enters the password, the main controller verifies the password and confirms the payment after the verification is passed.

[0038] The present invention has the following advantages:

[0039] The present invention provides a vehicle-mounted intelligent payment system and a control method thereof, covering a variety of payment scenarios.

[0040] The present invention proposes to actively display the user's payment QR code information through devices such as smart window displays to expand the application scenarios of smart payment. Aiming at the existing scenarios where the payment QR code needs to be presented, the present invention uses the smart window display device of the whole vehicle, in conjunction with the main controller and the central control screen, so that the user can display the payment QR code on the smart window display screen, thereby cooperating with the merchant to complete passive code scanning, and then complete identity verification and payment confirmation and other actions.

[0041] The present invention proposes key information in the data assets after the customer pays, which can improve the user experience of other applications. The present invention proposes that when the user completes the payment, the payment information generated can be used as a data asset for mining. Under the premise of ensuring the confidentiality of consumption information, other related applications extract key data information for other applications to perform data mining, thereby improving the user experience of other functions. BRIEF DESCRIPTION OF THE DRAWINGS

[0042] In order to more clearly illustrate the specific implementation of the present invention or the technical solution in the prior art, the drawings required for use in the specific implementation or the description of the prior art are briefly introduced below.

[0043] Figure 1 This is a schematic diagram of the principle of an in-vehicle intelligent payment system according to Embodiment 1 of the present invention;

[0044] Figure 2This is a flow chart of a control method of an in-vehicle intelligent payment system described in Example 2 of the present invention. DETAILED DESCRIPTION

[0045] The technical solution of the present invention will be described clearly and completely below in conjunction with the accompanying drawings. Obviously, the described embodiments are only part of the embodiments of the present invention, not all of the embodiments. Based on the embodiments of the present invention, all other embodiments obtained by ordinary technicians in this field without creative work are within the scope of protection of the present invention.

[0046] Example 1

[0047] A vehicle-mounted intelligent payment system includes a central control screen (host and large screen), a main controller, a camera device, and an intelligent window display device. The central control screen is connected to the main controller via a CAN bus, and the camera device and the intelligent window display device are respectively connected to the main controller via a CAN bus; Figure 1 As shown;

[0048] After the smart payment system is started, the central control screen provides the user with a payment mode selection portal, and the user chooses to enter the scanning consumption code payment mode or the presenting payment code payment mode according to the payment scenario; and provides a password input interface in the payment confirmation stage for the user to enter the payment password to complete the payment;

[0049] The main controller is used to control the system to enter the scanning consumption code payment mode or the presenting payment code payment mode, and assist the user to complete the payment in the corresponding payment mode, and store the payment information;

[0050] The camera device is used to scan the consumption QR code in the scanning consumption code payment mode and perform face recognition payment according to user needs in the payment confirmation stage; or to perform face recognition payment according to user needs in the payment confirmation stage in the payment code presentation payment mode;

[0051] The smart window display device is used to display the payment QR code generated by the main controller on the window in the payment code presentation payment mode, so that the code scanning device outside the vehicle can scan the code to receive payment.

[0052] Furthermore, the central control large screen includes:

[0053] Human-computer interaction interface, used to provide users with a payment mode selection interface, as well as a password input interface during the payment confirmation stage, and to display the current payment progress and payment results to users during the payment process;

[0054] The communication module is used to communicate data with the main controller, send the user's payment mode selection result and payment password input information to the main controller; and feed back the payment process information and payment result to the human-computer interaction interface according to the control instructions sent by the main controller.

[0055] Furthermore, the main controller comprises:

[0056] The payment process control module is used to start the corresponding control process of scanning consumption code payment mode or presenting payment code payment mode according to the user's selection;

[0057] A camera control module, used to control each camera in the camera device to collect consumption QR code images and / or user face images according to the instructions of the payment process control module;

[0058] The car window display control module is used to generate the user's payment QR code information according to the instruction of the payment process control module and send the payment QR code information to the smart car window display device for payment QR code display;

[0059] The payment setting module is used for users to select payment methods and confirm payment amounts. Users can also preset payment methods and payment amounts according to their own needs. Users can select a payment method or use two methods to complete payment through policy configuration. For example, if the amount is less than or equal to 200 yuan, automatic payment can be completed through face recognition. If the amount is greater than 200 yuan, the user needs to actively enter the payment password to complete the payment.

[0060] An information recognition module is used to recognize the information of the consumer QR code image, the user's face image and / or the user's password input information, and send a prompt message to the central control screen according to the information recognition result;

[0061] The payment information storage module is used to store the payment information completed by the user through the in-vehicle intelligent payment system.

[0062] Furthermore, the camera device comprises:

[0063] An external camera is used to collect images outside the vehicle, specifically to collect images of consumer QR codes;

[0064] The built-in camera is used to capture images inside the vehicle, specifically, to capture facial images of users inside the vehicle.

[0065] Preferably, the external viewing camera includes a front-view camera and a side-view camera. The front-view camera is used to collect images in front of the vehicle, and the side-view camera is used to collect images in the side of the vehicle, so that the consumer QR code image collection range is wider.

[0066] Furthermore, the smart window display device is arranged on a side window of the vehicle.

[0067] Example 2

[0068] This embodiment is a control method of a vehicle-mounted intelligent payment system as described in Embodiment 1. Figure 2 As shown, the following steps are included:

[0069] S1. The system payment function is activated, and the user selects the payment mode on the central control screen according to the payment scenario:

[0070] When smart payment is needed, the user starts the in-vehicle smart payment system on the central control screen, and then chooses to enter the scan code payment mode or the present code payment mode on the central control screen interface according to the actual payment scenario;

[0071] When the scanning consumption code payment mode is selected, step S2 is executed; when the presenting payment code payment mode is selected, step S3 is executed;

[0072] S2. The main controller controls the camera to collect the QR code information of the consumption outside the vehicle, completes the QR code recognition of the consumption, passes the payment information back to the central control screen, and then proceeds to step S4;

[0073] S3. The main controller generates a payment QR code and displays the payment QR code through the smart window display device. The payment QR code is scanned by the external code scanning device and the payment information is transmitted back to the central control screen, and then the process proceeds to step S4;

[0074] S4. The central control screen provides a payment interface, where the user selects a payment method and confirms the payment amount, and performs payment operations corresponding to the payment method; the payment methods include:

[0075] 3) Face recognition payment: The main controller controls the camera to collect the user's face image and performs face identity authentication through the main controller. After the authentication is passed, the payment is confirmed. After the payment is completed, the process goes to step S5;

[0076] 4) Password payment: The main controller sends a command to the central control screen, and the central control screen provides a password input interface. After the user enters the password, the main controller verifies the password. After the verification is passed, the payment is confirmed. After the payment is completed, step S5 is entered;

[0077] S5. Payment result display and payment information storage: The main controller sends the payment result to the central control screen for display, and saves the payment information in the main controller.

[0078] The preferred embodiments of the present invention are described in detail above in conjunction with the accompanying drawings. However, the present invention is not limited to the specific details in the above embodiments. Within the technical concept of the present invention, a variety of simple modifications can be made to the technical solution of the present invention, and these simple modifications all belong to the protection scope of the present invention.

[0079] It should also be noted that the various specific technical features described in the above specific embodiments can be combined in any suitable manner without contradiction. In order to avoid unnecessary repetition, the present invention will not further describe various possible combinations.

[0080] In addition, various embodiments of the present invention may be arbitrarily combined, and as long as they do not violate the concept of the present invention, they should also be regarded as the contents disclosed by the present invention.

Claims

1. A vehicle-mounted intelligent payment system, characterized in that: It includes a central control screen, a main controller, a camera device, and an intelligent window display device; the central control screen is connected to the main controller via a CAN bus, and the camera device and the intelligent window display device are respectively connected to the main controller via a CAN bus; After the smart payment system is started, the central control screen provides the user with a payment mode selection portal, and the user chooses to enter the scanning consumption code payment mode or the presenting payment code payment mode according to the payment scenario; and provides a payment method selection interface and / or a password input interface in the payment confirmation stage; The main controller is used to control the system to enter the scanning consumption code payment mode or the presenting payment code payment mode, and assist the user to complete the payment in the corresponding payment mode, and store the payment information; The camera device is used to scan the consumption QR code in the scanning consumption code payment mode and perform face recognition payment according to user needs in the payment confirmation stage; or to perform face recognition payment according to user needs in the payment confirmation stage in the payment code presentation payment mode; The smart window display device is used to display the payment QR code generated by the main controller on the window in the payment code presentation payment mode, so that the code scanning device outside the vehicle can scan the code to collect payment.

2. The vehicle-mounted intelligent payment system according to claim 1, characterized in that: The central control screen includes: A human-computer interaction interface is used to provide the user with a payment mode selection interface, as well as a payment method selection interface and / or a password input interface during the payment confirmation phase, and to display the current payment progress and payment results to the user during the payment process; The communication module is used to communicate data with the main controller, send the user's payment mode selection result and payment password input information to the main controller; and feed back the payment process information and payment result to the human-computer interaction interface according to the control instructions sent by the main controller.

3. The vehicle-mounted intelligent payment system according to claim 1, characterized in that: The main controller comprises: The payment process control module is used to start the corresponding control process of scanning consumption code payment mode or presenting payment code payment mode according to the user's selection; A camera control module, used to control each camera in the camera device to collect consumption QR code images and / or user face images according to the instructions of the payment process control module; The car window display control module is used to generate the user's payment QR code information according to the instruction of the payment process control module and send the payment QR code information to the smart car window display device for payment QR code display; The payment setting module is used for users to select payment methods and confirm payment amounts; the information recognition module is used to recognize consumption QR code images, user face images and / or user password input information, and send prompt information to the central control screen based on the information recognition results.

4. The vehicle-mounted intelligent payment system according to claim 3, characterized in that: The payment setting module is also used for users to preset payment methods and payment amounts according to their own needs.

5. The vehicle-mounted intelligent payment system as claimed in claim 3, characterized in that: The main controller also includes a payment information storage module for storing payment information completed by the user through the vehicle-mounted intelligent payment system.

6. The vehicle-mounted intelligent payment system according to claim 1, characterized in that: The camera device comprises: External camera, used to collect consumer QR code images outside the vehicle; Built-in camera, used to collect facial images of users in the car.

7. The vehicle-mounted intelligent payment system according to claim 6, characterized in that: The exterior view camera includes a front view camera and a side view camera. The front view camera is used to collect images in front of the vehicle, and the side view camera is used to collect images in the outside of the vehicle.

8. The vehicle-mounted intelligent payment system according to claim 1, characterized in that: The smart window display device is arranged on the side window of the vehicle.

9. A control method for an in-vehicle intelligent payment system as claimed in any one of claims 1 to 8, characterized in that: include: S1. The system payment function is activated, and the user selects the payment mode of scanning the consumption code or presenting the payment code on the central control screen according to the payment scenario; When the scanning consumption code payment mode is selected, step S2 is executed; when the presenting payment code payment mode is selected, step S3 is executed; S2. The main controller controls the camera to collect the QR code information of the consumption outside the vehicle, completes the QR code recognition of the consumption, passes the payment information back to the central control screen, and then proceeds to step S4; S3. The main controller generates a payment QR code and displays the payment QR code through the smart window display device. The payment QR code is scanned by the external code scanning device and the payment information is transmitted back to the central control screen, and then the process proceeds to step S4; S4. The central control screen provides a payment interface, and the user selects a payment method and confirms the payment amount on the payment interface, completes the payment operation of the corresponding payment method, and then proceeds to step S5; S5. Payment result display and payment information storage: The main controller sends the payment result to the central control screen for display, and saves the payment information in the main controller.

10. A control method for an in-vehicle intelligent payment system as claimed in claim 9, characterized in that: In step S4, the payment method includes: 1) Face recognition payment: The main controller controls the camera to collect the user's face image, and performs face identity authentication through the main controller. After the authentication is passed, the payment is confirmed; 2) Password payment: The main controller sends instructions to the central control screen, and the central control screen provides a password input interface. After the user enters the password, the main controller verifies the password and confirms the payment after the verification is passed.

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