Vehicle-mounted payment method and device, storage medium and program product

Abstract

The present application relates to the field of payment, and more particularly to a method of in-vehicle payment, an apparatus of in-vehicle payment, a non-transitory computer-readable storage medium, and a computer program product. One aspect of the invention provides a vehicle-mounted payment method, which is applied to a vehicle-mounted terminal and comprises the following steps: in response to entering a charging waiting area of a charging station, establishing communication connection with the charging station, sending a wireless charging request and vehicle identification information to the charging station through the communication connection and receiving collection identification information from the charging station; determining the charging electric quantity of the battery during the traveling charging of the vehicle in the wireless charging area; and in response to leaving the wireless charging area, generating a payment processing request at least based on the charged electric quantity, the collection identification information and the vehicle identification information, and sending the payment processing request to a payment server to request to execute payment operation.

Description

Technical Field

[0001] The present application relates to the field of payment, and more particularly to an in-vehicle payment method, an in-vehicle payment device, a non-transitory computer-readable storage medium, and a computer program product. Background Art

[0002] Battery charging solutions for electric vehicles typically include contact charging and wireless charging in fixed parking spaces. Contact charging typically charges the battery by connecting the vehicle to a charging device through a physical connection (such as a charging plug). Wireless charging achieves energy transmission through magnetic field coupling between a transmitting coil and a receiving coil. For example, the transmitting coil generates an alternating magnetic field, and the receiving coil induces an electromotive force based on the alternating magnetic field and converts it into electrical energy to charge the battery. Typically, the power supply (such as a charging station) can record the charge amount and generate a payment order for the user to pay.

[0003] With the development of wireless charging technology, wireless charging while driving has become a trend to make charging electric vehicles more convenient. Wireless charging while driving is a method of providing real-time power to electric vehicles while they are in motion. This involves laying a transmitting coil beneath or on the road surface and installing a receiving coil on the vehicle chassis. As the vehicle moves, the alternating magnetic field generated by the transmitting coil transfers energy to the receiving coil via electromagnetic induction or magnetic coupling, thereby charging the electric vehicle's battery.

[0004] However, the current fixed parking space billing and payment process is difficult to adapt to wireless charging solutions while driving. For example, when multiple vehicles are charging simultaneously, it is difficult to achieve accurate charging billing from the power supply end. Summary of the Invention

[0005] In order to solve or at least alleviate one or more of the above problems, the following technical solutions are provided.

[0006] According to a first aspect of the present application, a method for in-vehicle payment is provided, which is applied to an in-vehicle terminal and includes the following steps: in response to entering a waiting charging area of a charging station, establishing a communication connection with the charging station, sending a wireless charging request and vehicle identification information to the charging station via the communication connection and receiving payment identification information from the charging station; determining the amount of charge charged to the battery during the period when the vehicle is traveling and charging in the wireless charging area; and in response to leaving the wireless charging area, generating a payment processing request based at least on the charged amount, the payment identification information and the vehicle identification information and sending the payment processing request to a payment server to request execution of a payment operation.

[0007] According to the in-vehicle payment method described in one embodiment of the present application, before sending the wireless charging request and vehicle identification information to the charging station, the method also includes: generating user identification information based on the vehicle identification information and user account information; and sending the user identification information to the payment server to request wireless charging payment service.

[0008] According to the in-vehicle payment method described in one embodiment of the present application or any of the above embodiments, the in-vehicle terminal includes a plurality of first receiving coils arranged at intervals along the horizontal direction and a plurality of second receiving coils arranged at intervals along the horizontal direction, and each second receiving coil is arranged to be staggered and superimposed on the corresponding first receiving coil in the vertical direction.

[0009] According to the in-vehicle payment method described in one embodiment or any one of the above embodiments of the present application, the period during which the vehicle is traveling and charging in the wireless charging area includes one or more first charging periods, and during the first charging period, each first receiving coil is in a relative alignment with the corresponding transmitting coil in the wireless charging area.

[0010] According to the in-vehicle payment method described in one embodiment or any one of the above embodiments of the present application, the period during which the vehicle is traveling and charging in the wireless charging area includes one or more second charging periods, and during the second charging period, each second receiving coil is in a relative alignment with the corresponding transmitting coil in the wireless charging area.

[0011] According to the in-vehicle payment method described in one embodiment or any one of the above embodiments of the present application, determining the amount of charge in the battery while the vehicle is traveling and charging in a wireless charging area includes: determining the voltage and current of each first receiving coil and each second receiving coil while the vehicle is traveling and charging in the wireless charging area; determining the charging time of the vehicle while traveling and charging in the wireless charging area; and determining the amount of charge in the battery based on the charging time, the voltage, and the current.

[0012] According to the in-vehicle payment method of one embodiment or any of the above embodiments of the present application, the payment identification information of the charging station includes token information generated based on the payment account information of the charging station.

[0013] According to the in-vehicle payment method described in one embodiment or any one of the above embodiments of the present application, generating a payment processing request based at least on the charged power, the payment identification information and the vehicle identification information includes: receiving billing rule information from the charging station; and generating the payment processing request based on the billing rule information, the charged power, the payment identification information and the vehicle identification information.

[0014] According to the in-vehicle payment method described in one embodiment or any one of the above embodiments of the present application, generating a payment processing request based at least on the charged power, the payment identification information and the vehicle identification information includes: sending the charged power to the charging station and receiving charging fee information from the charging station; and generating the payment processing request based on the charging fee information, the payment identification information and the vehicle identification information.

[0015] According to the in-vehicle payment method described in one embodiment or any of the above embodiments of the present application, before sending the payment processing request to the payment server, the method also includes: sending the payment processing request and the charging end request to the charging station and receiving verification pass information from the charging station.

[0016] According to the in-vehicle payment method of one embodiment or any of the above embodiments of the present application, the vehicle identification information includes one or more of a vehicle identification code and license plate information.

[0017] According to the second aspect of the present application, a device for in-vehicle payment is provided, which includes: a memory; a processor coupled to the memory; and a computer program stored on the memory, which, when the computer program runs on the processor, causes the steps of the in-vehicle payment method described in the first aspect of the present application to be executed.

[0018] According to the third aspect of the present application, a non-transitory computer-readable storage medium is provided, characterized in that the non-transitory computer-readable storage medium includes instructions, which, when run, execute the steps of the in-vehicle payment method described in the first aspect of the present application.

[0019] According to a fourth aspect of the present application, a computer program product is provided, which includes instructions, and when the instructions are executed by a processor, the steps of the in-vehicle payment method according to the first aspect of the present application are implemented.

[0020] The in-vehicle payment solution according to one or more embodiments of the present application can determine the battery charge amount during the vehicle's on-the-go charging at the in-vehicle terminal, and generate a payment processing request through the charging station's payment identification information and charging amount to request the payment server to perform the payment operation, thereby transferring the operations of recording the charging amount and generating the payment order from the charging station to the in-vehicle terminal, realizing accurate billing and contactless payment of the vehicle's on-the-go charging amount, simplifying the payment process, and improving the user's payment experience. BRIEF DESCRIPTION OF THE DRAWINGS

[0021] The above and / or other aspects and advantages of the present application will become clearer and easier to understand through the following description of various aspects in conjunction with the accompanying drawings, in which the same or similar elements are represented by the same reference numerals. In the drawings:

[0022] Figure 1 A schematic diagram showing an example application scenario of the in-vehicle payment method according to an embodiment of the present application is shown.

[0023] Figure 2 A flowchart of a method for in-vehicle payment according to one or more embodiments of the present application is shown.

[0024] Figure 3 A schematic diagram of a receiving coil of a vehicle-mounted terminal according to an embodiment of the present application is shown.

[0025] Figure 4 A flowchart of an in-vehicle payment method according to one or more other embodiments of the present application is shown.

[0026] Figure 5 A schematic block diagram of an in-vehicle payment device according to one or more embodiments of the present application is shown. DETAILED DESCRIPTION

[0027] The following describes in detail example embodiments of the present application, and examples of these embodiments are illustrated in the accompanying drawings. It should be noted that the description below is for the purpose of explanation and illustration and should not be regarded as limiting the present application. Without departing from the principles of the present application, those skilled in the art may make electrical, mechanical, logical and structural changes to these embodiments as needed without departing from the scope of the present application. In addition, those skilled in the art will understand that, for any specific application scenario or actual need, one or more features of the different embodiments described below may be combined.

[0028] Terms such as "comprising" and "including" indicate that, in addition to the units and steps directly and explicitly stated in the specification, the technical solution of this application does not exclude the possibility of having other units and steps not directly or explicitly stated. Terms such as "first" and "second" do not indicate the order of units in terms of time, space, size, etc., but are merely used to distinguish between units.

[0029] Hereinafter, various exemplary embodiments according to the present application will be described in detail with reference to the accompanying drawings.

[0030] Figure 1 A schematic diagram showing an example application scenario of the in-vehicle payment method according to an embodiment of the present application is shown.

[0031] like Figure 1As shown in FIG, the application scenario 10 of the vehicle payment method includes a waiting charging area 110, a wireless charging area 120, a charging payment area 130 and a vehicle 140 of a charging station. The vehicle 140 includes a vehicle terminal ( Figure 1 (not shown), the vehicle terminal executes the vehicle payment method according to one or more embodiments of the present application, so as to achieve accurate billing and payment of the amount of electricity charged by the vehicle 140 while traveling.

[0032] In one embodiment, the vehicle-mounted terminal may include a communication unit and a processing unit. The communication unit may be used to establish a communication connection with a charging station (e.g., a service terminal at the charging station) when the vehicle 140 is in the waiting charging area 110 and, via the communication connection, send a wireless charging request and vehicle identification information to the charging station and receive payment identification information from the charging station, as well as optionally receive billing rule information from the charging station. The communication unit may be used to send a payment processing request and a charging end request to the charging station and receive verification information from the charging station when the vehicle 140 is in the charging payment area 130. The processing unit may be used to determine the battery charge level while the vehicle 140 is charging in the wireless charging area 120. In the waiting charging area 110, when the vehicle 140 receives the payment identification information and the gate of the waiting charging area 110 is opened, the vehicle 140 may enter the wireless charging area 120.

[0033] In one embodiment, wireless charging area 120 may be equipped with a transmitter coil, and a receiver coil may be installed on the underside of vehicle 140. While vehicle 140 is charging within wireless charging area 120, the alternating magnetic field generated by the transmitter coil can induce a current in the receiver coil, thereby charging the battery of vehicle 140. When vehicle 140 is finished charging, it can enter charging payment area 130 for accurate metering and payment of the electricity consumed.

[0034] It should be noted that Figure 1 The application scenario of the in-vehicle payment method is described only as an example. Without departing from the spirit and scope of the present application, the waiting charging area 110, the wireless charging area 120 and the charging payment area 130 can be implemented in other shapes and set in other positions, and the application scenario can include multiple vehicles, and the in-vehicle terminal of each vehicle executes the in-vehicle payment method according to one or more embodiments of the present application.

[0035] Figure 2 A flow chart of an in-vehicle payment method according to one or more embodiments of the present application is shown, and the method is applied to an in-vehicle terminal.

[0036] like Figure 2As shown in , in step S201, in response to entering the waiting charging area of the charging station, a communication connection is established with the charging station, a wireless charging request and vehicle identification information are sent to the charging station via the communication connection, and payment identification information is received from the charging station.

[0037] Optionally, when a vehicle enters a waiting area for charging, it may establish a communication connection with the charging station based on Wi-Fi communication, Bluetooth communication, ZigBee communication, cellular network communication (such as 4G / 5G), etc. Optionally, the vehicle identification information may include a vehicle identification code, license plate information, etc. Optionally, the payment identification information may be implemented as token information (Token) generated based on the payment account information of the charging station, for example, by processing the payment account information of the charging station through an encryption algorithm (such as HMAC) or a randomization method to generate corresponding token information. By generating corresponding token information based on the payment account information of the charging station, direct storage and transmission of the payment account information can be avoided, thereby reducing the risk of data leakage.

[0038] In one embodiment, before step S201, user identification information may be generated based on the vehicle identification information and the user account information, and the user identification information may be sent to the payment server to request the wireless charging payment service. For example, the vehicle identification information and the user account information may be bound to generate the user identification information.

[0039] In step S203 , the amount of charge in the battery during the period when the vehicle is traveling and charging within the wireless charging area is determined.

[0040] Optionally, in step S203, the voltage and current of each receiving coil can be determined while the vehicle is charging within the wireless charging area, the duration of the vehicle's charging within the wireless charging area can be determined, and the battery charge level can be determined based on the charging duration, voltage, and current. In one embodiment, a voltage sensor can be used to measure the voltage across each receiving coil, a current sensor can be used to measure the current in each receiving coil, the instantaneous power can be determined based on the voltage and current of each receiving coil, and the battery charge level can be determined by integrating the instantaneous power and the charging duration.

[0041] In step S205 , in response to leaving the wireless charging area, a payment processing request is generated based on at least the charged power, the payment identification information, and the vehicle identification information, and the payment processing request is sent to the payment server to request execution of a payment operation.

[0042] Optionally, in step S205, billing rule information from the charging station may be received, and a payment processing request may be generated based on the billing rule information, the amount of charged electricity, the payment identification information, and the vehicle identification information. Optionally, in step S205, the amount of charged electricity may be sent to the charging station and charging fee information from the charging station may be received, and a payment processing request may be generated based on the charging fee information, the payment identification information, and the vehicle identification information. It should be noted that the charging fee information may be determined by the on-board terminal based on the billing rule information and the amount of charged electricity, or may be determined by the charging station based on the billing rule information and the amount of charged electricity. Exemplarily, the billing rule information may include electricity fee information, charging service fee information, overtime occupancy fee information, parking fee information, and the like.

[0043] In one embodiment, before sending the payment processing request to the payment server, the payment processing request and the charging end request may be sent to the charging station and a verification pass message may be received from the charging station. For example, the charging station may verify the payment processing request's payment identification information and vehicle identification information, for example, verifying whether the vehicle identification information in the payment processing request is consistent with the vehicle identification information sent in step S201, and verifying whether the payment identification information in the payment processing request is consistent with the payment identification information of the charging station. For example, when it is verified that the vehicle identification information in the payment processing request is consistent with the vehicle identification information sent in step S201 and the payment identification information in the payment processing request is consistent with the payment identification information of the charging station, a verification pass message may be generated.

[0044] According to one or more embodiments of the present application, the on-board payment method can determine the battery charge level of a vehicle while it is charging, and generate a payment processing request based on the charging station's payment identification information and the charging level to request the payment server to execute the payment operation. This transfers the operation of recording the charging level and generating the payment order from the charging station to the on-board terminal, achieving accurate billing and contactless payment for the vehicle's on-the-go charging level, simplifying the payment process, and improving the user's payment experience. By determining the battery charge level of a vehicle while it is charging within a wireless charging area at the on-board terminal, the battery charge level of each vehicle can be accurately determined when multiple vehicles are charging simultaneously. By receiving the payment identification information from the charging station, the on-board terminal can proactively generate a payment processing request based on the charging level and send the payment processing request to the payment server to request the execution of the payment operation. Compared with the charging station generating a payment order for the user to pay, this can simplify the payment process and improve payment efficiency.

[0045] Figure 3 A schematic diagram of a receiving coil of a vehicle-mounted terminal according to an embodiment of the present application is shown.

[0046] like Figure 3 As shown in , the receiving coil of the vehicle terminal includes a plurality of first receiving coils 310 spaced apart in the horizontal direction and a plurality of second receiving coils 320 spaced apart in the horizontal direction, wherein each second receiving coil 320 is staggered and superimposed on the corresponding first receiving coil 310 in the vertical direction. For ease of understanding, Figure 3 Also shown are multiple transmitting coils 330, which can be arranged at Figure 1 It should be noted that the horizontal direction refers to a direction parallel to the horizontal plane, and the vertical direction refers to a direction perpendicular to the horizontal direction.

[0047] In one embodiment, the first receiving coil 310 and the second receiving coil 320 can be mounted on the vehicle chassis to receive the magnetic field energy transmitted by the transmitting coil 330 and convert it into electrical energy to charge the vehicle battery. For example, the first receiving coil 310 and the second receiving coil 320 can induce a voltage in the alternating magnetic field generated by the transmitting coil 330. This induced voltage is converted into direct current through rectification to charge the battery.

[0048] In one embodiment, the period during which a vehicle is charging within a wireless charging area may include one or more first charging periods and one or more second charging periods. During the first charging period, each first receiving coil 310 is in relative alignment with the transmitting coil 330, and during the second charging period, each second receiving coil 320 is in relative alignment with the transmitting coil 330. For example, referring to Figure 3 As shown in , each first receiving coil 310 is in a state of relative alignment with the corresponding transmitting coil 330. This relative alignment means that each first receiving coil 310 is aligned or substantially aligned with the corresponding transmitting coil 330. For example, the relative offset between the two is less than a threshold offset, so that the magnetic field coupling between each first receiving coil 310 and the corresponding transmitting coil 330 is maximized, thereby achieving the highest or higher energy transfer efficiency. Similarly, as the vehicle moves, each second receiving coil 320 can be in a state of relative alignment with the corresponding transmitting coil 330, so that the magnetic field coupling between each second receiving coil 320 and the corresponding transmitting coil 330 is maximized, thereby achieving the highest or higher energy transfer efficiency. Through wireless charging simulation experiments, using Figure 3 The first receiving coil 310 and the second receiving coil 320 shown in FIG. 3 are capable of maintaining a charging efficiency between 65% and 90% during the entire charging period.

[0049] In one embodiment, the transmitting coil 330 can be configured to selectively generate an alternating magnetic field based on the vehicle position information. For example, when it is determined based on the vehicle position information that the vehicle is approaching, the transmitting coil 330 can generate an alternating magnetic field, otherwise the transmitting coil 330 can stop generating the alternating magnetic field, thereby reducing no-load loss. For example, referring to Figure 3 As shown in FIG, the two transmitting coils 330 on the left that are in relative alignment with the first receiving coil 310 can generate an alternating magnetic field, while the two transmitting coils 330 on the right can stop generating the alternating magnetic field.

[0050] Figure 4 A flowchart of an in-vehicle payment method according to one or more other embodiments of the present application is shown, which describes a specific implementation of the interaction between the in-vehicle terminal, the charging station and the payment server.

[0051] In one embodiment, for example, referring to Figure 1 As shown in , steps S4-S7 can be performed when the vehicle is in the waiting charging area 110, step S8 can be performed when the vehicle is in the wireless charging area 120, and steps S9-S12 can be performed when the vehicle leaves the wireless charging area 120, for example, when the vehicle is in the charging payment area 130.

[0052] like Figure 4 As shown in FIG, in step S1, the charging station sends a request for activating a payment service and the payment account information of the charging station to the payment server.

[0053] In step S2, the payment server sends token information generated based on the payment account information of the charging station to the charging station. For example, the token information can be a unique payment Token number.

[0054] In step S3, the vehicle terminal sends user identification information and a request for wireless charging payment service to the payment server. The user identification information can be generated based on the vehicle identification information and the user's payment account information. For example, the vehicle identification information and the user's payment account information can be bound to generate the user identification information.

[0055] In step S4, when the vehicle is in the waiting charging area of the charging station, the on-board terminal establishes a communication connection with the charging station and sends a wireless charging request and vehicle identification information to the charging station via the communication connection.

[0056] In step S5, the charging station sends the vehicle identification information to the payment server for verification.

[0057] In step S6, the payment server sends the verification result to the charging station, where the verification result is used to indicate the binding relationship between the vehicle identification information and the user payment account information and the status of the user payment account.

[0058] In step S7, when the verification result indicates that the vehicle identification information and the user payment account information are bound and the status of the user payment account is normal, the charging station sends the charging station's payment identification information to the on-board terminal and opens the access gate, and optionally sends the charging station's billing rule information to the on-board terminal.

[0059] In step S8 , the vehicle-mounted terminal determines the amount of charge in the battery while the vehicle is traveling and charging within the wireless charging area.

[0060] In step S9, the vehicle terminal sends a payment processing request and a charging end request to the charging station. The payment processing request is generated based on at least the amount of charged electricity, the payment identification information, and the vehicle identification information. Optionally, the vehicle terminal may receive billing rule information from the charging station and generate the payment processing request based on the billing rule information, the amount of charged electricity, the payment identification information, and the vehicle identification information. Optionally, the vehicle terminal may send the amount of charged electricity to the charging station and receive charging fee information from the charging station, and generate the payment processing request based on the charging fee information, the payment identification information, and the vehicle identification information.

[0061] In step S10, the charging station verifies the payment identification information and vehicle identification information in the payment processing request, for example, verifying whether the vehicle identification information in the payment processing request is consistent with the vehicle identification information sent in step S4, and verifying whether the payment identification information in the payment processing request is consistent with the payment identification information of the charging station. If the vehicle identification information in the payment processing request is consistent with the vehicle identification information sent in step S4, and the payment identification information in the payment processing request is consistent with the payment identification information of the charging station, a verification pass message may be sent to the vehicle terminal.

[0062] In step S11 , the vehicle-mounted terminal sends a payment processing request to the payment server to request execution of a payment operation.

[0063] In step S12, the payment server sends the deduction result to the charging station. If the deduction result indicates that the deduction is successful, the charging station can open the gate.

[0064] Figure 5 A schematic block diagram of an in-vehicle payment device according to one or more embodiments of the present application is shown.

[0065] like Figure 5As shown in FIG, the in-vehicle payment apparatus 500 includes a memory 510, a processor 520, and a computer program 530 stored in the memory 510 and executable on the processor 520. The processor 520 executes the computer program 530 to implement the in-vehicle payment method according to one aspect of the present application.

[0066] In addition, the present application may also be implemented as a non-transitory computer-readable storage medium, in which a program for causing a computer to execute the in-vehicle payment method according to one aspect of the present application is stored.

[0067] Here, as non-temporary computer-readable storage media, various forms of non-temporary computer-readable storage media can be used, such as disks (for example, magnetic disks, optical disks, etc.), cards (for example, memory cards, optical cards, etc.), semiconductor memories (for example, ROMs, non-volatile memories, etc.), and tapes (for example, magnetic tapes, cassette tapes, etc.).

[0068] In the applicable situation, the combination of hardware, software or hardware and software can be used to realize the various embodiments provided by the application. Moreover, in the applicable situation, without departing from the scope of the application, the various hardware components and / or software components set forth herein can be combined into a composite component comprising software, hardware and / or both. In the applicable situation, without departing from the scope of the application, the various hardware components and / or software components set forth herein can be divided into a subcomponent comprising software, hardware or both. In addition, in the applicable situation, it is contemplated that the software component can be implemented as a hardware component, and vice versa.

[0069] Software according to the present application (such as program code and / or data) can be stored on one or more non-transitory computer-readable storage media. It is also contemplated that the software identified herein can be implemented using one or more general or special-purpose computers and / or computer systems, networked and / or otherwise. Where applicable, the order of the various steps described herein can be changed, combined into composite steps, and / or divided into sub-steps to provide the features described herein.

[0070] The embodiments and examples set forth herein are provided to best illustrate embodiments according to the present application and its specific applications, and thereby enable those skilled in the art to make and use the present application. However, those skilled in the art will appreciate that the above description and examples are provided for ease of illustration and example only. The descriptions set forth are not intended to be exhaustive of all aspects of the present application or to limit the present application to the precise forms disclosed.

Claims

1. A vehicle-mounted payment method, characterized in that: The method is applied to a vehicle-mounted terminal and comprises the following steps: In response to entering a waiting charging area of a charging station, establishing a communication connection with the charging station, sending a wireless charging request and vehicle identification information to the charging station via the communication connection, and receiving payment identification information from the charging station; Determine the amount of charge in the battery while the vehicle is charging in the wireless charging area; as well as In response to leaving the wireless charging area, a payment processing request is generated based on at least the charged power, the payment identification information and the vehicle identification information, and the payment processing request is sent to a payment server to request execution of a payment operation.

2. The method according to claim 1, wherein before sending the wireless charging request and vehicle identification information to the charging station, the method further comprises: generating user identification information based on the vehicle identification information and the user account information; as well as The user identification information is sent to the payment server to request a wireless charging payment service.

3. The method according to claim 1, wherein the vehicle-mounted terminal includes a plurality of first receiving coils arranged at intervals along the horizontal direction and a plurality of second receiving coils arranged at intervals along the horizontal direction, and each second receiving coil is arranged to be staggered and superimposed on the corresponding first receiving coil in the vertical direction.

4. The method according to claim 3, wherein the period during which the vehicle is traveling and charging within the wireless charging area includes one or more first charging periods, during which each of the first receiving coils is in a relative alignment with the corresponding transmitting coil within the wireless charging area.

5. The method according to claim 3, wherein the period during which the vehicle is traveling and charging within the wireless charging area includes one or more second charging periods, during which each of the second receiving coils is in a state of relative alignment with the corresponding transmitting coil within the wireless charging area.

6. The method according to claim 3, wherein determining the amount of charge in the battery during the period when the vehicle is traveling and charging within the wireless charging area comprises: determining a voltage and a current of each first receiving coil and each second receiving coil during a period in which the vehicle is traveling and charging within the wireless charging area; Determine the charging time of the vehicle while driving and charging in the wireless charging area; as well as The amount of charge in the battery is determined based on the charging time, the voltage, and the current. 7 . The method according to claim 1 , wherein the payment identification information of the charging station includes token information generated based on payment account information of the charging station.

8. The method according to claim 1, wherein generating a payment processing request based at least on the charged amount of electricity, the payment receiving identification information, and the vehicle identification information comprises: Receiving billing rule information from the charging station; as well as The payment processing request is generated based on the charging rule information, the charged power, the payment identification information and the vehicle identification information.

9. The method according to claim 1, wherein generating a payment processing request based at least on the charged amount of electricity, the payment receipt identification information, and the vehicle identification information comprises: Sending the charged amount to the charging station and receiving charging fee information from the charging station; as well as The payment processing request is generated based on the charging fee information, the payment identification information, and the vehicle identification information.

10. The method according to claim 1, wherein before sending the payment processing request to the payment server, the method further comprises: The payment processing request and the charging end request are sent to the charging station, and verification pass information is received from the charging station. The method according to claim 1 , wherein the vehicle identification information comprises one or more of a vehicle identification number and a license plate information.

12. A vehicle-mounted payment device, characterized in that: The device is provided on a vehicle-mounted terminal and includes: Memory; a processor coupled to the memory; and A computer program stored on the memory, which, when executed on the processor, causes the following operations: In response to entering a waiting charging area of a charging station, establishing a communication connection with the charging station, sending a wireless charging request and vehicle identification information to the charging station via the communication connection, and receiving payment identification information from the charging station; Determining the charge level of the battery while the vehicle is charging while in the wireless charging area; and In response to leaving the wireless charging area, a payment processing request is generated based on at least the charged power, the payment identification information and the vehicle identification information, and the payment processing request is sent to a payment server to request execution of a payment operation.

13. The apparatus of claim 12 , wherein the computer program, when executed on the processor, further causes, before sending the wireless charging request and vehicle identification information to the charging station: generating user identification information based on the vehicle identification information and the user account information; and The user identification information is sent to the payment server to request a wireless charging payment service.

14. The device according to claim 12, wherein the vehicle-mounted terminal comprises a plurality of first receiving coils arranged at intervals along the horizontal direction and a plurality of second receiving coils arranged at intervals along the horizontal direction, and each second receiving coil is arranged to be staggered and superimposed on the corresponding first receiving coil in the vertical direction.

15. The apparatus according to claim 14, wherein a period during which the vehicle is traveling and charging within the wireless charging area includes one or more first charging periods, during which each of the first receiving coils is in a state of relative alignment with a corresponding transmitting coil within the wireless charging area.

16. The apparatus according to claim 14, wherein a period during which the vehicle is traveling and charging within the wireless charging area includes one or more second charging periods, during which each of the second receiving coils is in a relative alignment with a corresponding transmitting coil within the wireless charging area.

17. The apparatus of claim 14, wherein the computer program, when executed on the processor, causes determining the amount of charge in a battery during a period of charging a vehicle traveling within a wireless charging area to include: determining a voltage and a current of each first receiving coil and each second receiving coil during a period in which the vehicle is traveling and charging within the wireless charging area; Determine the charging time of the vehicle while driving and charging in the wireless charging area; as well as The amount of charge in the battery is determined based on the charging time, the voltage, and the current. 18 . The apparatus according to claim 12 , wherein the payment identification information of the charging station comprises token information generated based on payment account information of the charging station.

19. The apparatus of claim 12, wherein when the computer program is executed on the processor, generating a payment processing request based on at least the charged amount of electricity, the payment receiving identification information, and the vehicle identification information comprises: Receiving billing rule information from the charging station; as well as The payment processing request is generated based on the charging rule information, the charged power, the payment identification information and the vehicle identification information.

20. The apparatus of claim 12, wherein when the computer program is executed on the processor, generating a payment processing request based on at least the charged amount of electricity, the payment receiving identification information, and the vehicle identification information comprises: Sending the charged amount to the charging station and receiving charging fee information from the charging station; as well as The payment processing request is generated based on the charging fee information, the payment identification information, and the vehicle identification information.

21. The apparatus of claim 20, wherein the computer program, when executed on the processor, further causes, before sending the payment processing request to the payment server: The payment processing request and the charging end request are sent to the charging station, and verification pass information is received from the charging station.

22. The apparatus of claim 12, wherein the vehicle identification information comprises one or more of a vehicle identification number and license plate information.

23. A non-transitory computer-readable storage medium, characterized in that The non-transitory computer-readable storage medium includes instructions, which, when executed, execute the in-vehicle payment method according to any one of claims 1 to 11.

24. A computer program product, characterized in that The computer program product includes instructions, which, when executed by a processor, implement the in-vehicle payment method according to any one of claims 1 to 11.

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