Vehicle-mounted face recognition payment device and system based on binocular vision

Abstract

The application relates to the technical field of vehicle-mounted payment, and discloses a vehicle-mounted face recognition payment device and system based on binocular vision, which comprises a payment terminal, the payment terminal is detachably installed on a central rearview mirror, the payment terminal comprises a payment main control board, a left camera, a right camera, a power module, a payment processor, a lamp, a payment memory, a TYPE-C interface and a wireless network interface are installed on the payment main control board, and the payment main control board is installed on an outer shell. Through the setting of the payment terminal and the intelligent vehicle-mounted terminal, after reaching the destination, the driver confirms the arrival place through the mobile terminal, confirms the arrival place, wakes up the payment terminal, then the passenger looks at the payment device, the payment terminal collects the face and the living body information of the passenger, and after comparison, the payment is completed; when the payment fails, the passenger continues to look at the payment terminal until the payment is successfully identified and completed, effectively solving the problem that the mobile terminal cannot be successfully paid due to no power, poor signal or insufficient traffic.

Description

TECHNICAL FIELD

[0001] The present application relates to the technical field of vehicle payment, in particular to a vehicle face recognition payment device and system based on binocular vision. BACKGROUND

[0002] In today's rapid development of science and technology, the vehicle payment method is also evolving. Traditional vehicle payment methods, such as cash payment, card payment and two-dimensional code payment, have met the payment needs of travel in a certain period of time, but with the increasing complexity of travel scenarios and the increasing demand for convenience, their limitations have become increasingly prominent. Cash payment not only requires passengers to prepare change in advance, but also has problems such as cumbersome change and hygiene hazards. Card payment requires passengers to carry specific cards, and if the card is lost or damaged, the payment will be blocked. Two-dimensional code payment relies on mobile terminals and networks, and once the mobile terminal is out of power, the signal is poor or the traffic is insufficient, the payment cannot be completed smoothly, and in peak hours, it may also cause payment channel congestion, affecting travel efficiency.

[0003] With the rapid development of intelligent transportation and mobile payment, the vehicle payment system plays an increasingly important role in modern travel, and the face recognition technology as a high-precision biometric identification method provides a new solution for the convenience and security of vehicle payment. The present application applies binocular vision technology to vehicle face recognition payment, solving the problem of cumbersome operation of existing payment methods. SUMMARY

[0004] The present application provides a vehicle face recognition payment device and system based on binocular vision, which solves the problems raised in the background technology.

[0005] The present application provides the following technical scheme: a vehicle face recognition payment device and system based on binocular vision, comprising a payment terminal, the payment terminal is detachably installed on a central rearview mirror;

[0006] The outer side of the payment terminal is provided with an intelligent vehicle terminal, and the outer side of the intelligent vehicle terminal is provided with a front camera;

[0007] The payment terminal includes a payment main control board, the payment main control board is provided with a left camera, a right camera, a power module, a payment processor, a light, a payment storage, a TYPE-C interface and a payment communication module, the payment main control board is installed on an outer shell, the outer wall of the outer shell is provided with a cover plate, the left camera, the right camera and the light penetrate the cover plate, the TYPE-C interface penetrates the outer shell, the outer wall of the outer shell is provided with a connecting rod, the outer edge of the connecting rod is provided with a universal ball, the outer edge of the universal ball is movably connected with a connecting shell, the outer wall of the connecting shell is provided with a bottom buckle plate, and the top of the bottom buckle plate is provided with a top buckle plate;

[0008] The outer wall of both ends of the bottom buckle plate is provided with a protective shell, the inner wall of the protective shell is movably connected with an adjusting shaft, the outer edge of both ends of the adjusting shaft is provided with a winding drum, the outer edge of the winding drum is provided with a fastening belt, one end of the fastening belt away from the winding drum is connected with a connecting shaft, and the connecting shaft is installed on the top buckle plate.

[0009] As a preferred technical scheme of the present application: the front and back of the fastening belt are provided with guide shafts, and the guide shafts are installed on the protective shell.

[0010] As a preferred technical scheme of the present application: the inner wall of the connecting shell is threadedly connected with an adjusting nut, the bottom of the adjusting nut is provided with an active adjusting block, and the active adjusting block is made of rubber.

[0011] As a preferred technical scheme of the present application: the outer edge of the adjusting shaft is fixedly sleeved with a fixed wheel, the outer edge of the fixed wheel is provided with a fixed groove, the outer periphery of the fixed wheel is provided with a fixed column, and the fixed column is arranged in the inner cavity of the limiting cylinder.

[0012] As a preferred technical scheme of the present application: the inner cavity of the limiting cylinder is provided with a supporting spring, the inner wall of the limiting cylinder is provided with a fixed plate, and the supporting spring is located between the fixed plate and the fixed column.

[0013] As a preferred technical scheme of the present application: the fixed groove is provided with a plurality of fixed grooves, and the plurality of fixed grooves are uniformly distributed on the fixed wheel.

[0014] As a preferred technical scheme of the present application: the fastening belt is made of inelastic cloth, and the fastening belt is wound on the winding drum.

[0015] The vehicle-mounted face recognition payment system based on binocular vision comprises a payment terminal, an intelligent vehicle-mounted terminal, a mobile terminal and a payment server.

[0016] The intelligent vehicle-mounted terminal is in communication connection with the payment server and the mobile terminal.

[0017] The mobile terminal is used for confirming the end state of the trip and sending a start signal to the intelligent vehicle-mounted terminal.

[0018] The intelligent vehicle-mounted terminal is used for waking up the payment terminal in response to the start signal and displaying payment information.

[0019] The payment terminal is used for collecting the face image and living body information of a user in response to the wake-up and completing identity verification and payment operation based on the face image and living body information.

[0020] The present application has the following beneficial effects:

[0021] 1. The vehicle-mounted face recognition payment device and system based on binocular vision, through the setting of the payment terminal and the intelligent vehicle-mounted terminal, the driver confirms the arrival place through the mobile terminal after arriving at the destination, confirms the arrival place, and then wakes up the payment terminal, then the passenger looks at the payment device, the payment terminal collects the passenger's face and living body information, and completes the payment after comparison, continues to look at the payment terminal when the payment fails, until the identification payment is completed, effectively solves the problem that the mobile terminal cannot be paid smoothly due to lack of power, poor signal or insufficient traffic.

[0022] 2. The vehicle-mounted face recognition payment device and system based on binocular vision, through the setting of the payment terminal and the intelligent vehicle-mounted terminal, the parking system on the parking lot recognizes the license plate, then the payment terminal recognizes the car owner, when it is necessary to leave the parking lot, the parking time is confirmed through the parking system in the parking lot, and the payment terminal recognizes the face of the car owner, then the bound account is automatically deducted, the payment is completed, the mobile terminal does not need to be held to scan the code for payment, the vehicle leaving efficiency is improved, and congestion caused by payment when leaving during the shopping peak period and the playing peak period is avoided.

[0023] 3. The vehicle-mounted face recognition payment device and system based on binocular vision, through the setting of the top buckle plate, the fastening belt and the bottom buckle plate, the adjusting shaft is rotated, the adjusting shaft drives the winding drum to rotate when rotating, the winding drum winds the fastening belt when rotating, the fastening belt between the top buckle plate and the bottom buckle plate is gradually tightened, and when the fastening belt is tightened, it indicates that the installation is completed, the top buckle plate and the bottom buckle plate are connected through the fastening belt, the distance between the top buckle plate and the bottom buckle plate can be adjusted according to the thickness of the central rearview mirror, and the device can be installed on central rearview mirrors of different sizes. BRIEF DESCRIPTION OF DRAWINGS

[0024] Figure 1 It is a front perspective structural schematic view of the application;

[0025] Figure 2 It is a back perspective structural schematic view of the application;

[0026] Figure 3 It is a payment terminal installation structural schematic view of the application;

[0027] Figure 4 It is a payment main control board structural schematic view of the application;

[0028] Figure 5 It is a payment terminal sectional structural schematic view of the application;

[0029] Figure 6 It is an enlarged structural schematic view of A in the application; Figure 5

[0030] Figure 7 It is a payment system schematic view of the application;​

[0031] Figure 8 Payment terminal connection diagram for the present application;

[0032] Figure 9 Payment terminal diagram for the present application;

[0033] Figure 10 Ride-hailing, taxi passenger payment process diagram for the present application

[0034] Figure 11 Private car parking lot payment diagram for the present application

[0035] Figure 12 Private car parking lot payment diagram for the present application combined with parking lot system

[0036] In the figure: 1, payment terminal; 2, intelligent vehicle terminal; 3, front camera; 4, mobile terminal; 5, payment server; 6, central rearview mirror;

[0037] 101, payment main control board; 102, left camera; 103, right camera; 104, power module; 105, payment processor; 106, light; 107, payment memory; 108, TYPE-C interface; 109, payment communication module; 110, outer shell; 111, cover plate; 112, connecting rod; 113, universal ball; 114, connecting shell; 115, active adjustment block; 116, adjusting nut; 117, bottom buckle plate; 118, protective shell; 119, adjusting shaft; 120, winding drum; 121, fastening belt; 122, guide shaft; 123, connecting shaft; 124, top buckle plate; 125, fixed wheel; 126, fixed groove; 127, fixed column; 128, supporting spring; 129, limiting cylinder; 130, fixed plate. DETAILED DESCRIPTION

[0038] The technical solutions in the embodiments of the present application will be described clearly and completely below with reference to the drawings in the embodiments of the present application. Obviously, the described embodiments are only part of the embodiments of the present application, rather than all the embodiments. Based on the embodiments in the present application, all other embodiments obtained by those of ordinary skill in the art without creative labor fall within the scope of protection of the present application.

[0039] Please refer to Figures 1-12 , binocular vision-based vehicle-mounted face recognition payment device and system, including payment terminal 1, the payment terminal 1 is detachably installed on the central rearview mirror 6;

[0040] In the structure, the payment terminal 1 can be installed on the central rearview mirror 6. Since the central rearview mirror 6 is located in the central area above the center console, the central rearview mirror 6 can shoot the passengers in the back row and the driver and the front passenger in the front row.

[0041] The outer side of the payment terminal 1 is provided with the intelligent vehicle terminal 2, and the outer side of the intelligent vehicle terminal 2 is provided with the front camera 3.

[0042] In the structure, the front camera 3 scans the two-dimensional code of the parking fee. The scanned two-dimensional code is processed by the intelligent vehicle terminal 2. The intelligent vehicle terminal 2 sends the processed payment information to the payment terminal 1. At this time, the payment terminal 1 is started. The car owner looks at the payment terminal 1 for face recognition, and then can drive away from the parking lot after the payment is completed.

[0043] The payment terminal 1 comprises a payment main control board 101, a left camera 102, a right camera 103, a power module 104, a payment processor 105, a light 106, a payment storage 107, a TYPE-C interface 108 and a payment communication module 109 installed on the payment main control board 101. The payment main control board 101 is installed on the outer shell 110. The outer wall of the outer shell 110 is provided with a cover plate 111. The left camera 102, the right camera 103 and the light 106 penetrate the cover plate 111. The TYPE-C interface 108 penetrates the outer shell 110. The outer wall of the outer shell 110 is provided with a connecting rod 112. The outer edge of the connecting rod 112 is provided with a universal ball 113. The outer edge of the universal ball 113 is movably connected with a connecting shell 114. The outer wall of the connecting shell 114 is provided with a bottom buckle plate 117. The top of the bottom buckle plate 117 is provided with a top buckle plate 124.

[0044] In the above structure, the top buckle plate 124 and the fixed column 127 can fix the outer shell 110 on the central rearview mirror 6 through the setting of the top buckle plate 124 and the bottom buckle plate 117. The left camera 102 and the right camera 103 simulate the parallax principle of human eyes through the cooperative work of the left camera 102 and the right camera 103, so that the photographed object can obtain three-dimensional vision, and the recognition accuracy and speed are improved. The power module 104 is a core power support unit. The core function is to convert the external input power into stable power required by each component inside the device, while ensuring power supply safety, continuity, and adaptation to scene requirements, directly determining the reliability and service life of the payment device. After the payment processor 105 receives the encrypted payment data transmitted by the payment gateway, it completes the key operations such as transaction verification, authorization, and fund transfer, while considering security protection and compliance reconciliation. It is the core component that ensures smooth and safe payment. In complex light scenes such as outdoors and underground, the light 106 will adapt to the environment through brightness adjustment to ensure operation visibility. The payment storage 107 securely and reliably stores key data required for the entire payment process, ensuring transaction compliance, traceability, and uninterruptedness, while protecting user information and fund safety. The TYPE-C interface 108 can insert a C-port data line, which is connected to the intelligent vehicle terminal 2 through the C-port data line to realize data transmission and power supply. The payment communication module 109 is an information bridge that connects external devices and various payment systems, supports payment interaction in different scenarios, ensures efficient and secure data transmission, and assists in device management, which is a key component for smooth payment process.

[0045] The outer wall of both ends of the bottom buckle plate 117 is provided with a protective shell 118. The inner wall of the protective shell 118 is movably connected with an adjusting shaft 119. The outer edge of both ends of the adjusting shaft 119 is provided with a winding drum 120. The outer edge of the winding drum 120 is provided with a fastening belt 121. One end of the fastening belt 121 away from the winding drum 120 is connected with a connecting shaft 123. The connecting shaft 123 is installed on the top buckle plate 124.

[0046] In the above structure, the winding drum 120 is driven to rotate by rotating the adjusting shaft 119. When the winding drum 120 rotates, the fastening belt 121 is pulled, so that the fastening belt 121 is wound on the winding drum 120. The top buckle plate 124 connected to the fastening belt 121 can be tightened, so that the bottom buckle plate 117 and the top buckle plate 124 are clamped on the central rearview mirror 6, and the payment terminal 1 is installed.

[0047] In a preferred embodiment, the front and back of the fastening belt 121 are provided with guide shafts 122, which are installed on the protective shell 118.

[0048] In the structure, the two guide shafts 122 limit and guide the fastening belt 121, the guide shafts 122 roll when the fastening belt 121 is pulled, so that the fastening belt 121 does not contact the protective shell 118, and the service life of the fastening belt 121 is prolonged.

[0049] In a preferred embodiment, the inner wall of the connecting shell 114 is threadedly connected with the adjusting nut 116, the bottom of the adjusting nut 116 is provided with the active adjusting block 115, and the active adjusting block 115 is made of rubber.

[0050] In the structure, when the universal ball 113 and the connecting shell 114 are loose, the active adjusting block 115 is extruded by screwing the adjusting nut 116, so that the universal ball 113 and the active adjusting block 115 are in close contact, the universal ball 113 is not easy to rotate with the connecting rod 112, the cover plate 111 can be accurately positioned, the cover plate 111 will not be displaced when the automobile runs on a bumpy road section, and the stability of the device is improved.

[0051] In a preferred embodiment, the outer edge of the adjusting shaft 119 is fixedly sleeved with the fixed wheel 125, the outer edge of the fixed wheel 125 is provided with the fixed groove 126, and the outer periphery of the fixed wheel 125 is provided with the fixed column 127.

[0052] In the structure, when the fixed column 127 is located in the fixed groove 126, the adjusting shaft 119 is not easy to rotate, and the adjusting shaft 119 needs to be rotated by manpower, so that the adjusting shaft 119 cannot be rotated without manpower intervention, and the stability of the device is improved.

[0053] In a preferred embodiment, the inner cavity of the limiting cylinder 129 is provided with the supporting spring 128, the inner wall of the limiting cylinder 129 is provided with the fixed plate 130, and the supporting spring 128 is located between the fixed plate 130 and the fixed column 127.

[0054] In the structure, when the supporting spring 128 is located in the limiting cylinder 129, it is always in a compressed state and always has elasticity, the fixed column 127 is supported by the supporting spring 128, the fixed column 127 is located in the fixed groove 126, and when the fixed column 127 needs to be separated from the fixed groove 126, the adjusting shaft 119 needs to be rotated to drive the fixed wheel 125 to rotate.

[0055] In a preferred embodiment, the fixed groove 126 is provided with a plurality of fixed grooves 126, and the plurality of fixed grooves 126 are uniformly distributed on the fixed wheel 125.

[0056] In the above structure, by setting multiple fixing grooves 126, since the sizes of the central rearview mirror 6 are different, multiple fixing grooves 126 need to be set to adapt to central rearview mirrors 6 of different sizes, so that the adjusting shaft 119 can be positioned, improving the flexibility of the device.

[0057] In a preferred embodiment: the fastening belt 121 is made of inelastic cloth, and the fastening belt 121 is wound on the winding drum 120.

[0058] In the above structure, by setting inelastic cloth, the distance between the top buckle plate 124 and the bottom buckle plate 117 cannot be expanded after being determined, so the top buckle plate 124 and the bottom buckle plate 117 can be stably installed on the central rearview mirror 6, and by winding the fastening belt 121 on the winding drum 120, the length between the top buckle plate 124 and the bottom buckle plate 117 can be changed, and the length between the top buckle plate 124 and the bottom buckle plate 117 is longer than the initial length, which is just suitable for central rearview mirrors 6 of different sizes.

[0059] The vehicle-mounted face recognition payment system based on binocular vision includes a payment terminal 1, an intelligent vehicle-mounted terminal 2, a mobile terminal 4, and a payment server 5.

[0060] The intelligent vehicle-mounted terminal 2 is in communication connection with the payment server 5 and the mobile terminal 4 respectively.

[0061] The mobile terminal 4 is used to confirm the end state of the trip and send a start signal to the intelligent vehicle-mounted terminal 2.

[0062] The intelligent vehicle-mounted terminal 2 is used to wake up the payment terminal 1 in response to the start signal and display payment information.

[0063] The payment terminal 1 is used to collect the face image and living body information of a user in response to the wake-up and complete identity verification and payment operation based on the face image and living body information.

[0064] In the above structure, the arrival of the destination is confirmed by the mobile terminal 4, the mobile terminal 4 sends to the intelligent vehicle-mounted terminal 2, the payment terminal 1 is started by the intelligent vehicle-mounted terminal 2, the passenger observes the payment terminal 1, the payment terminal 1 recognizes the face of the passenger, and the recognition result is displayed on the intelligent vehicle-mounted terminal 2, the driver and the passenger confirm the payment information, this function needs to be set on the APP, if not set, the payment amount is displayed on the support of the intelligent vehicle-mounted terminal 2.

[0065] The working principle is that, in use, the bottom buckle plate 117 is attached below the central rearview mirror 6, and the top buckle plate 124 is placed above the central rearview mirror 6, at which time the fastening belt 121 between the top buckle plate 124 and the bottom buckle plate 117 is in a relaxed state, then the adjusting shaft 119 is rotated, the adjusting shaft 119 drives the winding drum 120 to rotate when rotating, the winding drum 120 winds the fastening belt 121 when rotating, and the fastening belt 121 between the top buckle plate 124 and the bottom buckle plate 117 is gradually tightened, when the adjusting shaft 119 is difficult to rotate, the payment terminal 1 is installed, the adjusting shaft 119 drives the fixed wheel 125 to rotate at the same time, when the adjusting shaft 119 stops rotating, the elastic force of the supporting spring 128 supports the fixed column 127 in the fixed groove 126, and the adjusting shaft 119 needs to be rotated with force to rotate, when used on a taxi or a network car, the driver confirms the arrival place through the mobile terminal 4 after arriving at the destination, confirms it, and then the passenger looks at the payment device, the payment terminal 1 collects the passenger's face and living body information, and completes payment after comparison, continues to look at the payment terminal 1 when payment fails, until the payment is identified and completed, when used on a private car, the vehicle enters a parking lot, and the parking system on the parking lot identifies the license plate, then the payment terminal 1 identifies the car owner, when it is necessary to leave the parking lot, the parking time is confirmed through the parking system in the parking lot, and the payment terminal 1 identifies the face of the car owner, then automatically deducts the bound account, completes payment, and does not need to pick up the mobile terminal 4 to make a code payment, improves the vehicle exit efficiency, avoids congestion caused by payment when leaving during the shopping peak period and the playing peak period, and the cover body 110 is connected with the connecting cover 114, the active adjusting block 115 and the adjusting nut 116 through the connecting rod 112 and the universal ball 113, the cover plate 111 can be rotated, the cover plate 111 can be adjusted at multiple angles, the left camera 102 and the right camera 103 can face the identification area, when the cover plate 111 is loose, the active adjusting block 115 on the adjusting nut 116 is compressed by screwing the adjusting nut 116, at which time the active adjusting block 115 is closely attached to the universal ball 113, and the cover plate 111 is subjected to greater resistance.

[0066] It should be noted that, in the present document, the terms such as first and second, etc., are used merely to differentiate one entity or operation from another entity or operation, and do not necessarily require or imply any such actual relationship or order between these entities or operations. Also, the terms "comprises", "comprising", or any other variations thereof, are intended to cover non-exclusive inclusions, so that a process, method, article, or apparatus that comprises a list of elements does not only include those elements, but also includes other elements not explicitly listed, or inherent to such a process, method, article, or apparatus.

[0067] While embodiments of the application have been shown and described, it is to be understood that the embodiments described are merely exemplary of the principles and application of the present application. Numerous modifications and adaptions can be effected without departing from the spirit and scope of the present application, which is not limited to the exact construction and arrangement described. It is intended, therefore, to cover all modifications and adaptions that fall within the scope of the claims and their equivalents.

Claims

1. A vehicle-mounted face recognition payment device based on binocular vision, comprising a payment terminal (1), characterized in that: The payment terminal (1) is detachably mounted on the central rearview mirror (6); The outer side of the payment terminal (1) is provided with an intelligent vehicle terminal (2), and the outer side of the intelligent vehicle terminal (2) is provided with a front camera (3); The payment terminal (1) comprises a payment main control board (101), a left camera (102), a right camera (103), a power module (104), a payment processor (105), a light (106), a payment storage (107), a TYPE-C interface (108) and a payment communication module (109) are installed on the payment main control board (101), the payment main control board (101) is installed on the outer shell (110), the outer wall of the outer shell (110) is provided with a cover plate (111), the left camera (102), the right camera (103) and the light (106) penetrate the cover plate (111), the TYPE-C interface (108) penetrates the outer shell (110), the outer wall of the outer shell (110) is provided with a connecting rod (112), the outer edge of the connecting rod (112) is provided with a universal ball (113), the outer edge of the universal ball (113) is movably connected with a connecting shell (114), the outer wall of the connecting shell (114) is provided with a bottom buckle plate (117), and the top of the bottom buckle plate (117) is provided with a top buckle plate (124). The outer wall of both ends of the bottom buckle plate (117) is provided with a protective shell (118), the inner wall of the protective shell (118) is movably connected with an adjusting shaft (119), the outer edges of both ends of the adjusting shaft (119) are provided with a winding drum (120), the outer edge of the winding drum (120) is provided with a fastening belt (121), one end of the fastening belt (121) away from the winding drum (120) is connected with a connecting shaft (123), and the connecting shaft (123) is installed on the top buckle plate (124).

2. The binocular vision-based vehicle-mounted face recognition payment device according to claim 1, characterized in that: The front and back of the fastening belt (121) are provided with guide shafts (122), and the guide shafts (122) are installed on the protective shell (118). 3.The binocular vision-based vehicle-mounted face recognition payment device according to claim 1, characterized in that: The inner wall of the connecting shell (114) is threadedly connected with an adjusting nut (116), the bottom of the adjusting nut (116) is provided with an active adjusting block (115), and the active adjusting block (115) is made of rubber. 4.The binocular vision-based vehicle-mounted face recognition payment device according to claim 1, characterized in that: The outer edge of the adjusting shaft (119) is fixedly sleeved with a fixed wheel (125), the outer edge of the fixed wheel (125) is provided with a fixed groove (126), the outer periphery of the fixed wheel (125) is provided with a fixed column (127), and the fixed column (127) is arranged in the inner cavity of the limiting cylinder (129). 5.The binocular vision-based vehicle-mounted face recognition payment device according to claim 4, characterized in that: The inner cavity of the limiting cylinder (129) is provided with a supporting spring (128), the inner wall of the limiting cylinder (129) is provided with a fixed plate (130), and the supporting spring (128) is located between the fixed plate (130) and the fixed column (127). 6.The binocular vision-based vehicle-mounted face recognition payment device according to claim 4, characterized in that: The fixed groove (126) is provided with a plurality of fixed grooves (126), and the plurality of fixed grooves (126) are uniformly distributed on the fixed wheel (125). 7.The binocular vision-based vehicle-mounted face recognition payment device according to claim 2, characterized in that: The fastening belt (121) is made of inelastic cloth and is wound on the winding drum (120).

8. A vehicle-mounted face recognition payment system based on binocular vision, characterized in that, The payment terminal (1) according to claim 1, a smart vehicle terminal (2), a mobile terminal (4) and a payment server (5) are comprised; The smart vehicle terminal (2) is in communication connection with the payment server (5) and the mobile terminal (4) respectively; The mobile terminal (4) is used for confirming a trip end state and sending a start signal to the smart vehicle terminal (2); The smart vehicle terminal (2) is used for waking up the payment terminal (1) in response to the start signal and displaying payment information; The payment terminal (1) is used for collecting a user's face image and living body information in response to the wake-up and completing identity verification and payment operation based on the face image and living body information.

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