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WO2018121370A1 - Boîte en t, système de paiement monté sur véhicule à base de boîte en t, et procédé associé - Google Patents

Boîte en t, système de paiement monté sur véhicule à base de boîte en t, et procédé associé Download PDF

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Publication number
WO2018121370A1
WO2018121370A1 PCT/CN2017/117392 CN2017117392W WO2018121370A1 WO 2018121370 A1 WO2018121370 A1 WO 2018121370A1 CN 2017117392 W CN2017117392 W CN 2017117392W WO 2018121370 A1 WO2018121370 A1 WO 2018121370A1
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WO
WIPO (PCT)
Prior art keywords
payment
module
information
box
merchant terminal
Prior art date
Application number
PCT/CN2017/117392
Other languages
English (en)
Chinese (zh)
Inventor
祖立军
何朔
刘国宝
Original Assignee
中国银联股份有限公司
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by 中国银联股份有限公司 filed Critical 中国银联股份有限公司
Publication of WO2018121370A1 publication Critical patent/WO2018121370A1/fr

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    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/326—Payment applications installed on the mobile devices
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/16—Payments settled via telecommunication systems
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G06Q20/4014—Identity check for transactions
    • G06Q20/40145—Biometric identity checks
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions
    • G06Q30/0645—Rental transactions; Leasing transactions
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07B—TICKET-ISSUING APPARATUS; FARE-REGISTERING APPARATUS; FRANKING APPARATUS
    • G07B15/00—Arrangements or apparatus for collecting fares, tolls or entrance fees at one or more control points
    • G07B15/06—Arrangements for road pricing or congestion charging of vehicles or vehicle users, e.g. automatic toll systems
    • G07B15/063—Arrangements for road pricing or congestion charging of vehicles or vehicle users, e.g. automatic toll systems using wireless information transmission between the vehicle and a fixed station

Definitions

  • the interior of the vehicle intelligent system mainly includes: a vehicle body electronic system 10, an automobile operating system 20, an in-vehicle intelligent entertainment system 30, an extended application 40, and a T-BOX communication device 50.
  • the mobile APP method the association with the used car is used for each rental, and after the rental is completed, the payment is completed by the mobile payment method, and the payment method can only realize the demand of the automobile rental fee, and the parking and the high speed during the use of the automobile.
  • the payment requirements, such as fees and violations, still need to be in accordance with the original process.
  • the mobile APP also needs to manually fill in some information, and the convenience is not high. And other issues.
  • the SE module called by the payment module and used to securely store account information.
  • the payment service module is configured to retrieve account information from the SE module according to the call of the payment application and return the retrieved account information to the payment application, and on the other hand, the payment sent from the payment application Information is sent to the merchant terminal.
  • the payment service module encrypts the payment information and sends the payment information to the merchant terminal.
  • Transaction management module used to implement payment service logic processing
  • a transaction kernel module configured to package payment information according to payment account information and vehicle information groups
  • the payment module has:
  • the T-BOX reads the account information stored in the SE module of the T-BOX;
  • the built-in electronic payment system of the T-BOX based smart car of the present invention includes: a T-BOX 100 and a merchant terminal 200.
  • Payment module 120 is a module that is invoked by payment application 110 and that implements the payment function.
  • SE module 130 It is called by the payment module 120 and is used to securely store account information. Since the secure storage is implemented, the information in the SE module 130 cannot be cracked or illegally read.
  • 3 is a block diagram showing the configuration of the payment module 120 in the T-BOX of the present invention.
  • a TLS/SSL secure connection a remote notification service, and a vehicle network data transmission service are provided in the communication management module 123.
  • the communication layer-TLS/SSL is mainly responsible for the payment service module 110.
  • a secure communication connection is established with the external entity, and the remote notification service notification is primarily an interface between the payment service module 110 and the remote notification service.
  • step S104 the transaction management module 122 of the payment service module 120 initiates an account information read instruction to the SE module 130.
  • step S105 the account information is read, and the account information is returned from the SE module 130 to the payment service module 120.
  • step S109 the merchant terminal 200 continues to process after receiving the payment information, and gives a payment letter.
  • the information is returned to the communication management module 123 of the payment service module 120.
  • the ability to pay is efficient.
  • the car information can be transmitted together in the payment process, which enhances the ability to integrate payment and application scenarios, and can cope with various car consumption payment scenarios, such as high-speed charging. Aspects need to be differentiated according to different models;

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  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (AREA)
  • General Physics & Mathematics (AREA)
  • Physics & Mathematics (AREA)
  • Finance (AREA)
  • Theoretical Computer Science (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Marketing (AREA)
  • Economics (AREA)
  • Development Economics (AREA)
  • Computer Security & Cryptography (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Cash Registers Or Receiving Machines (AREA)

Abstract

L'invention concerne un système de paiement électronique basé sur T-BOX intégré dans un véhicule intelligent, et un procédé de paiement. Le système comprend : un T-BOX (100) disposé à l'intérieur du véhicule intelligent ; et un terminal commerçant (200) pour interagir avec le T-BOX (100) et achever le paiement, le T-BOX (100) comprenant : une application de paiement (110) pour mettre en œuvre une application qui doit effectuer un paiement ; un module de paiement (120) invoqué par l'application de paiement (110) et utilisé pour réaliser une fonction de paiement ; et un module SE (130) invoqué par le module de paiement (120) et utilisé pour stocker de manière sécurisée des informations de compte. Le T-BOX (100) peut être pris en tant que terminal de paiement, ce qui permet d'améliorer la capacité de paiement ; en outre, la sécurité du paiement peut également être garantie.
PCT/CN2017/117392 2016-12-29 2017-12-20 Boîte en t, système de paiement monté sur véhicule à base de boîte en t, et procédé associé WO2018121370A1 (fr)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
CN201611242785.9 2016-12-29
CN201611242785.9A CN106980971A (zh) 2016-12-29 2016-12-29 T‑box、基于t‑box的车载支付系统及其方法

Publications (1)

Publication Number Publication Date
WO2018121370A1 true WO2018121370A1 (fr) 2018-07-05

Family

ID=59340273

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/CN2017/117392 WO2018121370A1 (fr) 2016-12-29 2017-12-20 Boîte en t, système de paiement monté sur véhicule à base de boîte en t, et procédé associé

Country Status (3)

Country Link
CN (1) CN106980971A (fr)
TW (1) TWI673664B (fr)
WO (1) WO2018121370A1 (fr)

Cited By (1)

* Cited by examiner, † Cited by third party
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WO2023231216A1 (fr) * 2022-06-01 2023-12-07 合众新能源汽车股份有限公司 Système et procédé de paiement de frais de véhicule

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CN106980971A (zh) * 2016-12-29 2017-07-25 中国银联股份有限公司 T‑box、基于t‑box的车载支付系统及其方法
CN108806002A (zh) * 2018-05-19 2018-11-13 智车优行科技（北京）有限公司 车辆和电子缴费设备、方法、计算机可读存储介质
CN109034780A (zh) * 2018-06-25 2018-12-18 深圳市金溢科技股份有限公司 车载移动支付方法、系统及其v2x车载装置、v2x路侧pos装置
CN109271907B (zh) * 2018-09-03 2021-03-23 北京万集科技股份有限公司 车辆etc设备的控制方法及系统
CN109377330A (zh) * 2018-12-25 2019-02-22 钛马信息网络技术有限公司 一种汽车分时零售系统及方法
CN111553667B (zh) * 2020-04-02 2024-11-12 中国银联股份有限公司 交易方法、网关设备、支付平台、商户设备和交易系统
WO2022110106A1 (fr) 2020-11-30 2022-06-02 华为技术有限公司 Procédé et appareil de balayage de code
CN113938300B (zh) * 2021-10-12 2023-08-15 亿咖通(湖北)技术有限公司 分级控制方法及装置
CN116071869A (zh) * 2021-10-29 2023-05-05 北京华大智宝电子系统有限公司 一种用于新能源充电桩的付款系统
CN116071066A (zh) * 2021-10-29 2023-05-05 北京华大智宝电子系统有限公司 一种付款系统
CN116071060A (zh) * 2021-10-29 2023-05-05 北京华大智宝电子系统有限公司 一种付款方法

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CN104021598A (zh) * 2014-07-01 2014-09-03 福州瑞芯微电子有限公司 一种车辆计费的方法、装置和系统
CN105590345A (zh) * 2014-11-26 2016-05-18 中国银联股份有限公司 一种利用智能汽车在服务点进行支付的系统和方法
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WO2023231216A1 (fr) * 2022-06-01 2023-12-07 合众新能源汽车股份有限公司 Système et procédé de paiement de frais de véhicule

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TW201826182A (zh) 2018-07-16
TWI673664B (zh) 2019-10-01
CN106980971A (zh) 2017-07-25

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