阅读说明：本技术 支付方法、支付系统及业务系统 (Payment method, payment system and business system ) 是由 方正业 詹晓 王文虎 于 2020-07-23 设计创作，主要内容包括：本申请提供一种支付方法、一种支付系统以及一种业务系统。所述支付方法包括：支付系统接收来自ETC系统中的路侧单元的对目标车辆的第一识别数据,其中,所述第一识别数据中包括所述目标车辆的标识信息；接收来自加油机的交易数据,所述交易数据中包括所述加油机向所述目标车辆加油的费用；获取为所述费用进行支付的支付方的身份信息；以及向目标服务器发送所述身份信息和所述费用。所述业务系统可以包括所述ETC系统的路侧单元、所述加油机、所述支付系统以及所述目标服务器。(The application provides a payment method, a payment system and a service system. The payment method comprises the following steps: the payment system receives first identification data of a target vehicle from a road side unit in an ETC system, wherein the first identification data comprises identification information of the target vehicle; receiving transaction data from a fuel dispenser, the transaction data including a cost of the fuel dispenser to refuel the destination vehicle; obtaining identity information of a payer who pays the fee; and sending the identity information and the cost to a target server. The business system may include a roadside unit of the ETC system, the fuel dispenser, the payment system, and the destination server.)

1. A payment method comprising, by at least one processor of a payment system:

receiving first identification data of a target vehicle from a road side unit in an ETC system, wherein the first identification data comprises identification information of the target vehicle;

receiving transaction data from a fuel dispenser, the transaction data including cost information for the fuel dispenser to refuel the destination vehicle;

obtaining identity information of a payer who pays the fee; and

and sending the identity information and the expense information to a target server.

2. The payment method according to claim 1, wherein the target vehicle has an on-board unit of the ETC system loaded thereon;

when the target vehicle passes the roadside unit, the roadside unit:

a unit identification identifying the on-board unit,

obtaining identification information of the target vehicle based on the identification of the on-board unit, an

Sending the identification information to the payment system.

3. The payment method of claim 1, further comprising:

receiving second identification data of the target vehicle from a second identification device, wherein the second identification data comprises the identification information of the target vehicle; and

and confirming that the identification information in the first identification data is the same as the identification information in the second identification data.

4. A payment method as claimed in claim 3, wherein the second identification device comprises an image recognition device, the second identification data comprising a visual identification of the target vehicle.

5. A payment method as recited in claim 1, wherein the obtaining identity information of the payer includes:

confirming that the target vehicle is bound with a payment account according to the identification information of the target vehicle; and

and acquiring the payment account information bound with the target vehicle according to the identification information.

6. A payment method as recited in claim 1, wherein the obtaining identity information of the payer includes:

according to the identification information of the target vehicle, confirming that the target vehicle is not bound with a payment account; and

and scanning the biological characteristic data of the user of the target vehicle to acquire the identity information of the user, wherein the identity information comprises the biological characteristic data.

7. The payment method of claim 6, further comprising:

and loading a target page, wherein the target page comprises a target icon, and the target icon is triggered to activate the flow of opening the target payment service by the user.

8. A payment method as defined in claim 6, wherein the biometric information comprises: one or more of facial characteristic data, iris characteristic data, fingerprint characteristic data, voice characteristic data, etc. of the user.

9. A payment method as recited in claim 1, wherein the obtaining identity information of the payer includes:

according to the identification information of the target vehicle, confirming that the target vehicle is not bound with a payment account;

loading a target page, wherein the target page indicates a user of the target vehicle to open a target payment service by using terminal equipment of the user; and

and responding to the opening of the target payment service by the user, and acquiring the payment account information of the user from the target server.

10. A payment system, comprising:

at least one memory including at least one set of instructions; and

at least one processor communicatively coupled to the at least one memory, the at least one processor executing the at least one set of instructions to perform the payment method of any one of claims 1-9.

11. A business system comprising:

a roadside unit of the ETC system recognizing identification information of a target vehicle;

the fuel dispenser is used for filling fuel to the target vehicle and generating fuel filling cost information;

a payment system that receives identification information from the road side unit and cost information from the fuel dispenser; and

and the target server transfers the cost from the account bound by the identification information to a target account according to the identification information and the cost information.

12. The business system of claim 11, wherein said target vehicle has an onboard unit of said ETC system loaded thereon;

when the target vehicle passes the roadside unit, the roadside unit:

a unit identification identifying the on-board unit,

obtaining identification information of the target vehicle based on the identification of the on-board unit, an

Sending the identification information to the payment system.

13. The business system of claim 11 further comprising a second recognition device comprising an image recognition device, the second recognition device recognizing identification information of the target vehicle and transmitting the identification information to the payment system.

Technical Field

The present application relates to the field of information technology, and in particular, to a payment method, a payment system, and a service system.

Background

Existing fueling payment methods typically include: cash or oil card payments at lobby, and code scan or pos payments at lobby backoffice.

The existing refueling payment mode has the following defects: the cash payment in the lobby needs change making and settlement; the oil card payment needs to be stored in advance and stored, the experience is poorer than that of electronic payment, and the oil card payment still needs to be carried to a backoffice if invoicing is required; and the hall sweeps a yard payment or pos payment, the user need get off and move to the hall, and this can cause the gas station circulation efficiency to reduce, takes place to block up.

Disclosure of Invention

To address the shortcomings of conventional fueling payment methods, the present application discloses a payment method comprising, by at least one processor of a payment system: receiving first identification data of a target vehicle from a road side unit in an ETC system, wherein the first identification data comprises identification information of the target vehicle; receiving transaction data from a fuel dispenser, the transaction data including cost information for the fuel dispenser to refuel the destination vehicle; obtaining identity information of a payer who pays the fee; and sending the identity information and the cost information to a target server.

In some embodiments, wherein the target vehicle has an onboard unit of the ETC system onboard; when the target vehicle passes the roadside unit, the roadside unit: identifying a unit identifier of the on-board unit, obtaining identification information of the target vehicle according to the identifier of the on-board unit, and sending the identification information to the payment system.

In some embodiments, the payment method further comprises: receiving second identification data of the target vehicle from a second identification device, wherein the second identification data comprises the identification information of the target vehicle; and confirming that the identification information in the first identification data is the same as the identification information in the second identification data.

In some embodiments, wherein the second recognition device comprises an image recognition device, the second recognition data comprises a visual identification of the target vehicle.

In some embodiments, wherein said obtaining identity information of said payer comprises: confirming that the target vehicle is bound with a payment account according to the identification information of the target vehicle; and acquiring the payment account information bound with the target vehicle according to the identification information.

In some embodiments, wherein said obtaining identity information of said payer comprises: according to the identification information of the target vehicle, confirming that the target vehicle is not bound with a payment account; and scanning the biological characteristic data of the user of the target vehicle to acquire the identity information of the user, wherein the identity information comprises the biological characteristic data.

In some embodiments, the payment method further comprises: and loading a target page, wherein the target page comprises a target icon, and the target icon is triggered to activate the flow of opening the target payment service by the user.

In some embodiments, wherein the biometric information comprises: one or more of facial characteristic data, iris characteristic data, fingerprint characteristic data, voice characteristic data, etc. of the user.

In some embodiments, wherein said obtaining identity information of said payer comprises: according to the identification information of the target vehicle, confirming that the target vehicle is not bound with a payment account; loading a target page, wherein the target page indicates a user of the target vehicle to open a target payment service by using terminal equipment of the user; and responding to the opening of the target payment service by the user, and acquiring the payment account information of the user from the target server.

The application also discloses a payment system, including: at least one memory including at least one set of instructions; and at least one processor communicatively coupled to the at least one memory, the at least one processor executing the payment method described herein when the at least one processor executes the at least one set of instructions.

The application also discloses a service system, comprising: a roadside unit of the ETC system recognizing identification information of a target vehicle; the fuel dispenser is used for filling fuel to the target vehicle and generating fuel filling cost information; a payment system that receives identification information from the road side unit and cost information from the fuel dispenser; and the target server transfers the cost from the account bound by the identification information to a target account according to the identification information and the cost information.

In some embodiments, wherein the target vehicle has an onboard unit of the ETC system onboard; when the target vehicle passes the roadside unit, the roadside unit: identifying a unit identifier of the on-board unit, obtaining identification information of the target vehicle according to the identifier of the on-board unit, and sending the identification information to the payment system.

In some embodiments, the business system further comprises a second recognition device comprising an image recognition device, the second recognition device recognizing identification information of the target vehicle and transmitting the identification information to the payment system.

The business system acquires the identity of a vehicle by adopting an identification system of an ETC system. On one hand, the acquired identity of the vehicle is more accurate and reliable; on the other hand, rich vehicle attribute information can be obtained by the ETC system.

The business system does not adopt a clearing and settlement system of the ETC system to settle accounts, but adopts a third-party payment platform to settle accounts, so that the payment speed is improved, the instant payment can be realized, the convenience of the payment is improved, and the application scene of the business system is enlarged.

The application the service system is externally connected with a payment machine capable of supporting face verification on the oiling machine. The payment machine tool can be a standard payment machine tool, can perform data transmission with the RSU and the camera, and obtains the license plate number through the RSU and the camera, so as to obtain the payment account number bound with the license plate number. The payment machine can generate complete bill information (license plate number, bill amount, payment account number and the like) only by acquiring the bill amount from the oiling machine, so that the change and the upgrade of the oiling machine are avoided, and the payment machine can be widely popularized.

This application payment method, the guide user signs again with third party payment platform's payment withhold agreement, separates ETC discernment and ETC payment, abandons the high-speed settlement system of separating of ETC, signs the very high third party electron payment mode of payment timeliness again. Gas station has promoted payment efficiency, and the user that uses electronic payment need not go to the backroom payment again to obtain accurate vehicle information through the ETC, can establish complete user's archives, the expansion of value-added service such as the member of being convenient for.

Drawings

Fig. 1 is a schematic view illustrating an application scenario of a payment method provided in an embodiment of the present application;

fig. 2 is a schematic diagram illustrating a hardware structure of a payment system provided in an embodiment of the present application;

FIG. 3 illustrates a flow chart of a payment method provided in accordance with an embodiment of the present application;

FIG. 4A is a schematic diagram illustrating a license plate confirmation page provided in accordance with an embodiment of the present application;

FIG. 4B illustrates a schematic diagram of a fueling bill page provided in accordance with an embodiment of the present application;

FIG. 4C is a schematic diagram illustrating a payment page provided in accordance with an embodiment of the present application;

FIG. 4D is a schematic diagram illustrating a guidance page provided in accordance with an embodiment of the present application;

FIG. 4E is a schematic diagram illustrating a pay-and-sign-up page provided in accordance with an embodiment of the present application;

FIG. 4F is a schematic diagram illustrating another pay-and-sign-up page provided in accordance with an embodiment of the present application;

FIG. 5 is a schematic structural diagram of a business system provided in an embodiment of the present application; and

fig. 6 shows a process diagram of a payment method provided according to an embodiment of the present application.

Detailed Description

The following description is presented to enable any person skilled in the art to make and use the present disclosure, and is provided in the context of a particular application and its requirements. Various modifications to the disclosed embodiments will be readily apparent to those skilled in the art, and the general principles defined herein may be applied to other embodiments and applications without departing from the spirit and scope of the present application. Thus, the present application is not limited to the embodiments shown, but is to be accorded the widest scope consistent with the claims.

The terminology used herein is for the purpose of describing particular example embodiments only and is not intended to be limiting.

These and other features of the present application, as well as the operation and function of the related elements of structure and the combination of parts and economies of manufacture, may be significantly improved upon consideration of the following description. All of which form a part of this application, with reference to the accompanying drawings. It is to be expressly understood, however, that the drawings are for the purpose of illustration and description only and are not intended as a definition of the limits of the application.

These and other features of the present application, as well as the operation and function of the related elements of the structure, and the economic efficiency of assembly and manufacture, are significantly improved by the following description. All of which form a part of this application with reference to the accompanying drawings. It is to be expressly understood, however, that the drawings are for the purpose of illustration and description only and are not intended as a definition of the limits of the application. It should also be understood that the drawings are not drawn to scale.

An Electronic Toll Collection (ETC) is a charging system widely applied to highway charging scenes or bridge charging scenes. ETC is the most advanced charging system in the world and is one of the service functions of an intelligent transportation system. The ETC system is a system composed of a plurality of subsystems. The ETC system may include an ETC issuing system (issuer), an ETC blacklist system, an ETC accounting system (highway owners and operating companies), an ETC liquidation settlement system, an ETC vehicle automatic identification system, a center management system, and the like.

The ETC vehicle automatic identification system may be composed of an On Board Unit (OBU), a Road Side Unit (RSU), a loop sensor, and the like. The OBU is stored with identification information of the vehicle and is generally arranged on a windshield in front of the vehicle; the RSU is installed beside the toll station; the loop sensor is installed under the ground of the lane.

The central management system has a large database storing information on a large number of registered vehicles and users. When the vehicle passes through the toll station port, the loop sensor senses the vehicle, the RSU sends out an inquiry signal, the OBU responds, and the RSU and the OBU perform bidirectional communication and data exchange. The central management system obtains vehicle identification information, such as information of an automobile ID number, an automobile type and the like, and corresponding information in the database for comparison and judgment, controls the management system to generate different actions according to different conditions, such as controlling the clearing and settlement system to deduct the road toll which should be paid at this time from a prepaid account of the automobile, or sending an instruction to other auxiliary facilities for work.

The working principle of the ETC system is as follows: the special short-range communication is carried out between the OBU arranged on a vehicle windshield and the RSU on an ETC lane of a toll station, and the computer networking technology and a bank are utilized to carry out background settlement processing, so that the purpose that the vehicle can pay the highway or bridge expenses through the highway or bridge toll station without parking is achieved. ETC has covered 2 hundred million car owners, and the OBU is the on-vehicle electronic tags of national uniform standard, has contained abundant vehicle and car owner data among them, possesses high commercial value. After the vehicle OBU is identified by the RSU in a high-speed scene, the high-speed expense bill generally needs about T +3 days to complete fee deduction due to the weak clearing and settlement capacity of the ETC. In order to ensure the passing efficiency (electronic toll collection), ETC charging in a high-speed scene is a mode of passing first and then deducting. In a high-speed scene, if the fee deduction fails, the bank will blacken the user and the vehicle to make them unable to pass.

For solving traditional shortcoming of refueling payment scheme, this application provides an utilize ETC's the payment scheme that refuels: laying RSU in the gas station; the RSU identifies a vehicle OBU; a clearing and settlement system of a high-speed scene is used; the user needs to sign a contract for deduction of an oil filling scene when the scheme is adopted for oil filling for the first time, and automatic deduction is carried out from a bank card bound by the ETC after oil filling is successful.

The refueling payment scheme comprises the following steps: first, when the vehicle leaves the yard, the fuel station cannot confirm the deduction result. And the passenger unit price for refueling is higher. If bad accounts occur, the oil station has high resource loss risk. That is, the above-mentioned fueling payment scheme does not enable bill real-time settlement and first payment and then departure. Secondly, the withholding item usually arrives at the account about T +3 days, and except for the own oil station of the ETC issuer, the long account period of the T +3 days cannot be accepted by other oil stations.

In summary, the ETC payment timeliness does not meet the business requirements of business scenes, so that the ETC is only widely applied to high-speed charging scenes and bridge charging scenes at present and is not expanded to other vehicle owner service scenes with strong business attributes.

In order to realize the problems of quick payment and timely payment in the refueling scene, the payment method is provided. Fig. 1 shows an application scenario diagram of a payment method provided in an embodiment of the present application.

An on board Unit 420 (OBU) is an important component of the ETC system. The on-board unit 420 is generally mounted inside the front windshield of the vehicle 20.

The on-board unit 420 may be an electronic tag. In some embodiments, the electronic tag is a monolithic electronic tag. The monolithic electronic tag comprises an integrated circuit chip storing vehicle attributes (identification codes and the like) and a small microwave transmitter. The attribute data of the vehicle stored in the integrated circuit chip can only be written once and cannot be changed. In some embodiments, the electronic tag is a two-piece electronic tag. The two-piece electronic tag may include an IC card and an in-vehicle microwave transceiver. The IC card may include a micro CPU therein. The micro CPU has certain capabilities of calculating, processing and storing data. The IC card can be used as an electronic tag, and can also be used as a credit card and a financial card. When the IC is used as an electronic tag, it needs to be inserted into the vehicle-mounted microwave transceiver, which reads the vehicle attribute data in the IC card. The roadside unit 410 bidirectionally communicates with the vehicle-mounted microwave transceiver using the DSRC technique, and acquires the vehicle attribute data.

The on-board unit 420 may use DSRC technology to establish a microwave communication link with the roadside unit 410. The road side unit 410 and the on board unit 420 may perform bidirectional communication and acquire vehicle attribute data stored by the on board unit 420.

The Road Side Unit 410(Road Side Unit, RSU for short) is an important component of the ETC system. The roadside unit 410 is installed at the roadside. The roadside unit 410 is typically mounted at a height of 5.5m directly above the ETC roadway. The roadside unit 410 communicates with an onboard unit 420 mounted on the vehicle 20 using DSRC technology. The roadside unit 410 identifies the identity of the vehicle 20 by communicating with the on-board unit 420.

The roadside unit 410 generally includes a roadside antenna and a radio frequency controller. The roadside antenna may be a high-gain directional beam steering read-write antenna. The roadside antenna may be a microwave transceiver module responsible for transmission/reception, modulation/demodulation, encoding/decoding, encryption/decryption, etc. of signals and data. The radio frequency controller can be a module for controlling data transmission and reception and processing information transmission and reception to an upper computer.

The fuel dispenser 500 is a fuel delivery metering device that directly dispenses fuel to the vehicle 20. The fuel dispenser 500 and the tank, lines, plumbing valves, etc. form a complete fuel supply system. The fuel dispenser 500 may be constructed of an oil pump, an oil separator, a meter, a counter, a motor, an oil gun, etc. The fuel dispenser 500 may fill the vehicle 20 with fuel through the fuel gun. The fuel dispenser 500 may also obtain the amount of fuel currently being dispensed and/or the cost of dispensing fuel via the meter and the counter. Fuel dispenser 500 may send the amount of fuel and/or the cost of the current fueling to payment system 100.

The camera 300 may acquire license plate information of the vehicle 20 and transmit the license plate information to the payment system 100. After receiving the license plate information, the payment system 100 may match the received identity information of the vehicle 20 from the road side unit 410 to confirm the identity of the vehicle 20.

The payment system 100 can assist a gasoline station in doing toll collection work. The payment system 100 may include a payment instrument. As an example, the payment instrument may be a face recognition device. In some embodiments, the payment system 100 may also include a merchant's cash center coupled to the payment instrument. For convenience of description, in the following description of the present application, the functions of the payment system 100 are described taking a payment instrument as an example.

The payment system 100 may be coupled to a fuel dispenser 500. Payment system 100 may receive information from fuel dispenser 500 regarding the cost of the fueling event. The payment system 100 is connected to a roadside unit 410. The payment system 100 may receive identity information about the vehicle 20 from the road side unit 410. In some embodiments, the payment system 100 may request from the server 30 a transaction fee to transfer the target amount from the payer's account to the merchant account.

As an example, fig. 2 shows a hardware structure diagram of a payment system 100 provided according to an embodiment of the present application. The payment system 100 includes at least one memory 230 and at least one processor 220. In some embodiments, the payment system 100 may also include a communication port 250 and an internal communication bus 210. Meanwhile, the payment system 100 may also include an I/O component 260.

Internal communication bus 210 may connect various system components including memory 230 and processor 220.

The I/O component 260 supports input/output between the payment system 100 and other components (e.g., the terminal device 10).

Memory 230 may include a data storage device. The data storage device may be a non-transitory storage medium or a transitory storage medium. For example, the data storage devices may include one or more of a disk 232, Read Only Memory (ROM)234, or Random Access Memory (RAM) 236. The memory 230 also includes at least one instruction set stored in the data storage device. The instructions are computer program code that may include programs, routines, objects, components, data structures, procedures, modules, and the like that perform the methods of pushing information provided herein.

The communication port 250 is used for data communication between the payment system 100 and the outside.

The at least one processor 220 communicates with the at least one memory 230 via an internal communication bus 210. The at least one processor 220 is configured to execute the at least one instruction set, and when the at least one processor 220 executes the at least one instruction set, the payment system 100 implements the payment method provided herein. Processor 220 may perform all of the steps involved in the payment method. Processor 220 may be in the form of one or more processors, and in some embodiments, processor 220 may include one or more hardware processors, such as microcontrollers, microprocessors, Reduced Instruction Set Computers (RISC), Application Specific Integrated Circuits (ASICs), application specific instruction set processors (ASIPs), Central Processing Units (CPUs), Graphics Processing Units (GPUs), Physical Processing Units (PPUs), microcontroller units, Digital Signal Processors (DSPs), Field Programmable Gate Arrays (FPGAs), Advanced RISC Machines (ARM), Programmable Logic Devices (PLDs), any circuit or processor capable of executing one or more functions, or the like, or any combination thereof. For illustrative purposes only, only one processor 220 is depicted in the payment system 100 in the present application. It should be noted, however, that the payment system 100 may also include multiple processors, and thus, the operations and/or method steps disclosed herein may be performed by one processor, as described herein, or by a combination of multiple processors. For example, if in the present application the processor 220 of the payment system 100 performs steps a and B, it should be understood that steps a and B may also be performed by two different processors 220 in combination or separately (e.g., a first processor performing step a, a second processor performing step B, or both a first and second processor performing steps a and B).

The server 30 may be a server of a third party payment platform. The third party payment platform can provide payment solutions for users and gas stations. The user and the merchant have a digital resource account with the server 30. Server 30 may receive instructions from the user's terminal device 10 or payment system 100 and transfer the digital resource of the target amount between the user account and the merchant account in accordance with the instructions.

The server 30 may receive and process a subscription request from the payment system 100 or the terminal device 10. Depending on the subscription, the server 30 may bind the payment account of the target user with the identification of the target vehicle. As an example, the identification of the target vehicle may be its license plate number.

Fig. 3 shows a flowchart of a payment method S100 provided according to an embodiment of the present application. Some of the steps of process S100 may be stored as at least one instruction set in a non-transitory storage medium (such as memory 230) in payment system 100. At least one processor 220 is communicatively coupled to the at least one non-transitory storage medium, wherein when the payment system 100 is operating, the at least one processor 220 reads the at least one instruction set and performs some of the steps of process S100 as indicated by the at least one instruction set.

The illustrated operations of the flow S100 presented below are intended to be illustrative and not limiting. In some embodiments, the process S100 may be implemented with one or more additional operations not described, and/or with one or more operations described herein. Further, the order of the operations shown in FIG. 3 and described below is not intended to be limiting.

S111, the road side unit 410 identifies the unit identification of the vehicle-mounted unit 420.

S112, the roadside unit 410 obtains identification information of the vehicle 20.

When the vehicle 20 with the on-board unit 420 enters the communication range, the loop sensor embedded underground will reflect and start the read-write antenna in the road side unit 410. The read-write antenna communicates with the on-board unit 420 in a microwave information exchange manner, and reads vehicle attribute information in the on-board unit 420. The vehicle attribute information in the on-board unit 420 includes, as an example, an identification of the vehicle 20, a model code, and the like. In some embodiments, after obtaining the information, the road side unit 410 also sends the vehicle attribute information to a central management system; the central management system may perform validity determination on the vehicle attribute information, such as determining whether the current vehicle 20 is a normal vehicle, such as determining whether the current on-board unit 420 is valid, and the central management system may return the determination result to the roadside unit 410.

S113, the roadside unit 410 sends the identification information to the payment system 100.

S114, the payment system 100 receives the first identification data of the vehicle 20 from the roadside unit 410 of the ETC system.

The vehicle 20 may be equipped with an on-board unit 420 of the ETC system. The first identification data may include an identification of the vehicle 20, a model code, and the like.

When the roadside unit 410 learns from the central information management system that the vehicle 20 belongs to a normal vehicle and/or that the on-board unit 420 currently belongs to a valid state, the roadside unit 410 may transmit the identity information of the vehicle 20 to the payment system 100.

S115, the payment system 100 receives second identification data for the vehicle 20 from the second identification device.

In some embodiments, the second recognition device may comprise an image recognition device. As an example, the image recognition apparatus may include a camera 300. The second identification data includes a visual identification of the vehicle 20. As an example, the second identification data may include license plate information of the vehicle 20. The camera 300 may be laid over the fuel dispenser 500. After the vehicle 20 enters the gas station, the camera 300 may capture license plate information of the vehicle 20 and transmit the captured license plate information to the payment system 100. After obtaining the license plate information from the camera 300, the payment system 100 may check the vehicle identity information from the road side unit 410 according to the license plate information to confirm the identity of the vehicle 20 again. In some embodiments, the camera 300 may also capture the location of the fuel dispenser 500 where the vehicle 20 is located and send the location to the payment system 100 along with the license plate information of the vehicle 20.

S116, the payment system 100 confirms that the identification information in the first identification data is the same as the identification information in the second identification data.

The payment system 100 confirms that the license plate information of the vehicle 20 from the roadside unit 410 matches the license plate information of the vehicle 20 from the camera 300. If the match is passed, the payment system 100 determines that a transaction may be conducted with the current vehicle 20. As an example, the transaction is a fueling transaction.

Conversely, if the payment system 100 confirms that the license plate information of the vehicle 20 from the rsu 410 does not match the license plate information of the vehicle 20 from the camera 300, or confirms that the license plate information of the vehicle from the rsu 410 is invalid, the payment system 100 may issue an alarm.

S117, the payment system 100 loads the license plate confirmation page.

In some embodiments, the payment system 100 may load a page containing license plate information via its display device. The user can further confirm the license plate information through the page. By way of example, fig. 4A is a schematic diagram illustrating a license plate confirmation page 910 according to an embodiment of the present application. The fuel filler can click on the icon 911 in the page 910 to confirm that the license plate information is correct. Of course, in some embodiments, the payment system 100 may not load the license plate confirmation page.

And S118, the fueling station staff supplies fuel to the vehicle 20 through the fuel dispenser 500.

S119, the payment system 100 receives transaction data from the fuel dispenser 500.

The transaction data includes the cost of refueling the vehicle 20 with the fuel dispenser 500.

When the payment system 100 determines that the license plate information of the vehicle from the road side unit 410 matches the license plate information of the vehicle from the camera 300, the payment system 100 may determine that the transaction with the current vehicle 20 is possible.

The fueling station operator may be able to fuel the present vehicle 20 via the fuel dispenser 500. The fuel dispenser 500 calculates the cost of the fueling event and sends the information of the cost to the payment system 100.

S120, the payment system 100 determines whether the identification information is bound with a payment account.

In accordance with the foregoing description, the payment system 100 obtains the license plate information of the current vehicle from the road side unit 410. The payment system 100 first determines whether the current vehicle has signed up for the ETC deduction agreement, i.e., whether the current vehicle has bound a payment account.

In some embodiments, the payment system 100 may consult the server 30 of the third party payment platform whether the current vehicle is bound to a payment account. For example, the payment system 100 may send the license plate information of the vehicle to the server 30, and the server 30 queries whether there is a payment account bound to the license plate after obtaining the license plate information of the vehicle.

S181, the payment system 100 acquires identity information of a payer who pays the fee.

S182, the payment system 100 loads the bill page.

S183, the payment system 100 sends the identity information and the fee information to the server 30.

S184, the server 30 deducts the fee from the account corresponding to the identity information to the target account.

The target account may comprise a charging account of a gas station. When the payment system 100 confirms that the current vehicle is bound with a payment account, the payment system 100 acquires information of the payment account. In summary, the payment system 100 obtains payment account information and fueling cost information.

In some embodiments, after obtaining payment account information and fueling cost information, payment system 100 may load a page containing a fueling bill via its display device. The user may further confirm the refuel bill through the page. By way of example, fig. 4B illustrates a schematic diagram of a fueling bill page 920 provided in accordance with an embodiment of the present application. The refuel bill page 920 shows that the cost of this refuel is 300 yuan.

The payment system 100 generates an order according to the information of the payment account and the fee information, and the payment system 100 sends a fee deduction request to the server 30 according to the order. The server 30 can transfer the target amount of the digital resource directly from the payment account to the charging account of the gas station according to the deduction request.

The user and the gas station complete the fueling transaction by this time.

In some embodiments, the server 30 may also push payment information to the terminal device 10 of the subscriber when the credit is large. The terminal device 10 may load a payment page based on the payment information. The user can confirm payment or not pay through the payment page loaded by the terminal device 10, and further the payment is ensured to be safe. By way of example, fig. 4C illustrates a schematic diagram of a payment page 520 provided in accordance with an embodiment of the present application. The user clicks the confirm payment icon 521 on the payment page 520, and the terminal device 10 loads the payment password box through which the user enters a password to complete payment.

S201, the payment system 100 loads the guidance page.

When the payment system 100 confirms that the current vehicle is not bound with a payment account, the payment system 100 can guide the user to open the ETC quick payment through the page loaded by the display device of the payment system.

By way of example, FIG. 4D illustrates a schematic diagram of a guidance page 620. The lead page 620 may also be displayed with billing information.

An icon 621 may be included on the guidance page 620. Icon 621 may be a two-dimensional code. Icon 621 is used for guiding the user to adopt and sweep the sign indicating number payment and open ETC swift payment. The user may scan the icon 621 using the terminal device 10, and further activate a process of opening the ETC fast payment using the account of the user on the payment platform a.

An icon 622 may be included on the guidance page 620. Icon 622 is used to guide the user to employ face-brushing payment and to open ETC quick payment. The user clicks on icon 622 and the payment system 100 may activate its biometric reading device. By way of example, the biometric reading device may include, but is not limited to, a camera mounted within the payment system 100, a fingerprint reader, and the like.

S202, the payment system 100 obtains the biometric features of the user.

S203, the payment system 100 finds the payment account corresponding to the biometric feature through the biometric feature.

S204, the payment system 100 loads the payment and sign-up page.

S205, the user confirms the payment and signs up.

S206, the payment system 100 binds the user payment account with the vehicle identification.

With continued reference to FIG. 4D, the user clicks on icon 622 on page 620, i.e., the user selects to use a swipe payment. The payment system 100 reads the biometric characteristic of the user through a reading device. As an example, the reading device may be a scanning device integrated within the payment system 100. The user uploads his biometric to the payment system 100 via the reading device. The payment system 100 obtains the biometric characteristic of the user through the reading device. By way of example, the biometric characteristic may include, but is not limited to, facial characteristic data, iris characteristic data, fingerprint characteristic data, voice characteristic data, and the like of the user. For convenience of description, in the description of the present application, the functions of the biometrics features are described taking facial features as an example.

If the face recognition is successful, the payment system 100 acquires a payment account corresponding to the face feature according to the acquired face feature.

After acquiring the payment account, the payment system 100 may load a payment and sign-up page through a display device (e.g., a display of a payment instrument) thereof to guide the user to sign up for ETC fast payment. As an example, fig. 4E shows a schematic diagram of a pay-and-sign-up page 450 provided according to an embodiment of the present application. The user can click the icon 451 for agreement and payment to activate the flow of opening the ETC quick payment.

The user clicks the icon 451 for approval and payment, and the payment system 100 loads a payment password box through its display device (e.g., a display of a payment instrument), through which the user inputs a payment password to open the ETC quick payment. And the payment platform A binds the account of the user on the payment platform A with the license plate identifier. When the vehicle is used for ETC fueling next time, the payment system 100 can directly deduct the fueling fee from the payment account of the user to the account of the gas station according to the bound account number.

S207, the terminal device 10 loads the payment and sign-up page.

S208, the user confirms payment and signs up.

S209, the payment system 100 binds the user payment account with the vehicle identification.

With continued reference to fig. 4D, the user may scan icon 621 on page 620 via terminal device 10, i.e., the user selects to pay using a scanned code.

After acquiring the information contained in the icon 621, the terminal device 10 reads the payment account of the user on the payment platform a, and jumps to the page for payment and signing, so as to guide the user to sign the ETC for fast payment. By way of example, fig. 4F illustrates a schematic view of a pay-and-sign-up page 460 provided in accordance with an embodiment of the present application. The page 460 is displayed on the display screen of the terminal device 10. The user can click the icon 461 for agreement and payment to activate the flow of opening the ETC quick payment.

The user clicks the icon 461 agreeing to pay, the terminal device 10 loads the payment password box, and the user inputs a payment password through the payment password box to open the ETC fast payment. And the payment platform A binds the account of the user on the payment platform A with the license plate identifier. When the vehicle is subjected to ETC refueling next time, the payment system 100 can acquire payment account information bound with the license plate information from the payment platform a. The payment platform A can directly deduct the refueling fee from the payment account of the user to the account of the gas station according to the bound account number.

The application also provides a service system. As an example, fig. 5 shows a schematic structural diagram of a business system 800 provided according to an embodiment of the present application. Specifically, the business system 800 may include the roadside unit 410 of the ETC system, the fuel dispenser 500, the server 30, and the payment system 100 described herein.

The roadside unit 410 of the ETC system may recognize the identification information of the vehicle 20; the fuel dispenser 500 may dispense fuel to the vehicle 20 and generate a cost for dispensing the fuel; the payment system 100 may receive identification information from the roadside unit 410 and cost information from the fuel dispenser 500; the server 30 may transfer the fee from the account to which the identification information is bound to the gas station account according to the identification information and the fee information. In some embodiments, business system 800 may further include a second identification device. As an example, the second identification device may be a camera 300 mounted above the fuel dispenser 500. The second recognition device may recognize the identification information of the vehicle 20 and transmit the identification information to the payment system 100.

For the detailed structure and function of each part of the service system 800, reference may be made to the foregoing description, and for brevity, detailed description is omitted here.

Fig. 6 further describes the payment method and business system of the present application.

When the vehicle 20 with the on-board unit 420 installed enters the communication range, the roadside unit 410 may communicate with the on-board unit 420 and read the vehicle attribute information in the on-board unit 420. The road side unit 410 may send attribute information of the vehicle to the payment system 100.

When the vehicle 20 travels in front of a particular fuel dispenser, the camera 300 above the fuel dispenser 500 obtains the license plate information of the vehicle 20 by means of image recognition and sends the license plate information to the payment system 100.

The payment system 100 matches the license plate information received from the road side unit 410 with the license plate information from the camera 300. After the match passes, the payment system 100 may load a page containing license plate information on its display device. The user can further confirm the license plate through the page.

When the user confirms that the license plate information is correct, the service station worker can fill the vehicle 20 with fuel through the fuel dispenser 500. At the end of the fueling event, the fuel dispenser 500 calculates the cost information for the fueling event and sends the cost information to the payment system 100.

Payment system 100, upon receiving the cost information from fuel dispenser 500, may load a billing page on its display device.

The payment system 100 consults the server 30 of the third party payment platform whether the current license plate has a payment account bound to it.

If the current license plate does not bind to the payment account, the payment system 100 can load a guide page to guide the user to pay the bill by face brushing payment or code scanning payment and open ETC rapid payment at the same time. When the user opens the ETC fast payment, the server 30 binds the payment account of the user with the license plate of the vehicle 20. When the vehicle 20 next enters the fueling station for fueling, the payment system 100 can deduct the fueling fee from the bound payment account.

If the current license plate is bound with a payment account, the payment system 100 acquires the payment account according to the license plate information, sends the payment account and the information of the refueling cost to the server 30, and requests the server 30 to deduct the refueling cost from the account of the payment account to the account of the merchant. If the amount of the refuelling fee is large, the server 30 may push a page for confirming the payment to the terminal device 10 of the user, and the user may pay through the page for confirming the payment loaded by the terminal device 10 of the user.

In summary, the present application provides a payment method, a payment system and a service system.

The business system acquires the identity of a vehicle by adopting an identification system of an ETC system. On one hand, the acquired identity of the vehicle is more accurate and reliable; on the other hand, rich vehicle attribute information can be obtained by the ETC system.

The business system does not adopt a clearing and settlement system of the ETC system to settle accounts, but adopts a third-party payment platform to settle accounts, so that the payment speed is improved, the instant payment can be realized, the convenience of the payment is improved, and the application scene of the business system is enlarged.

The application the service system is externally connected with a payment machine capable of supporting face verification on the oiling machine. The payment machine tool can be a standard payment machine tool, can perform data transmission with the RSU and the camera, and obtains the license plate number through the RSU and the camera, so as to obtain the payment account number bound with the license plate number. The payment machine can generate complete bill information (license plate number, bill amount, payment account number and the like) only by acquiring the bill amount from the oiling machine, so that the change and the upgrade of the oiling machine are avoided, and the payment machine can be widely popularized.

This application payment method, the guide user signs again with third party payment platform's payment withhold agreement, separates ETC discernment and ETC payment, abandons the high-speed settlement system of separating of ETC, signs the very high third party electron payment mode of payment timeliness again. Gas station has promoted payment efficiency, and the user that uses electronic payment need not go to the backroom payment again to obtain accurate vehicle information through the ETC, can establish complete user's archives, the expansion of value-added service such as the member of being convenient for.

In conclusion, upon reading the present detailed disclosure, those skilled in the art will appreciate that the foregoing detailed disclosure can be presented by way of example only, and not limitation. Those skilled in the art will appreciate that the present application is intended to cover various reasonable variations, adaptations, and modifications of the embodiments described herein, although not explicitly described herein. Such alterations, improvements, and modifications are intended to be suggested by this application and are within the spirit and scope of the exemplary embodiments of the application.

Furthermore, certain terminology has been used in this application to describe embodiments of the application. For example, "one embodiment," "an embodiment," and/or "some embodiments" means that a particular feature, structure, or characteristic described in connection with the embodiment can be included in at least one embodiment of the application. Therefore, it is emphasized and should be appreciated that two or more references to "an embodiment" or "one embodiment" or "an alternative embodiment" in various portions of this specification are not necessarily all referring to the same embodiment. Furthermore, the particular features, structures, or characteristics may be combined as suitable in one or more embodiments of the application.

It should be appreciated that in the foregoing description of embodiments of the present application, various features are sometimes grouped together in a single embodiment, figure, or description thereof for the purpose of streamlining the disclosure aiding in the understanding of such feature. Alternatively, various features may be dispersed throughout several embodiments of the application. This is not to be taken as an admission that any of the features of the claims are essential, and it is fully possible for a person skilled in the art to extract some of them as separate embodiments when reading the present application. That is, embodiments in the present application may also be understood as an integration of multiple sub-embodiments. And each sub-embodiment described herein is equally applicable to less than all features of a single foregoing disclosed embodiment.

In some embodiments, numbers expressing quantities or properties useful for describing and claiming certain embodiments of the present application are to be understood as being modified in certain instances by the terms "about", "approximately" or "substantially". For example, "about", "approximately" or "substantially" may mean a ± 20% variation of the value it describes, unless otherwise specified. Accordingly, in some embodiments, the numerical parameters set forth in the written description and attached claims are approximations that may vary depending upon the desired properties sought to be obtained by a particular embodiment. In some embodiments, numerical parameters should be construed in light of the number of reported significant digits and by applying ordinary rounding techniques. Notwithstanding that the numerical ranges and parameters setting forth the broad scope of the embodiments of the application are approximations, the numerical values set forth in the specific examples are reported as precisely as possible.

Each patent, patent application, publication of a patent application, and other material, such as articles, books, descriptions, publications, documents, articles, and the like, cited herein is hereby incorporated by reference. All matters hithertofore set forth herein except as related to any prosecution history, may be inconsistent or conflicting with this document or any prosecution history which may have a limiting effect on the broadest scope of the claims. Now or later associated with this document. For example, if there is any inconsistency or conflict in the description, definition, and/or use of terms associated with any of the included materials with respect to the terms, descriptions, definitions, and/or uses associated with this document, the terms in this document are used.

Finally, it should be understood that the embodiments of the application disclosed herein are illustrative of the principles of the embodiments of the present application. Other modified embodiments are also within the scope of the present application. Accordingly, the disclosed embodiments are presented by way of example only, and not limitation. Those skilled in the art may implement the present application in alternative configurations according to the embodiments of the present application. Thus, embodiments of the present application are not limited to those embodiments described with precision in the application.