CN111815305A - Vehicle-mounted machine safety payment method and system - Google Patents

Vehicle-mounted machine safety payment method and system Download PDF

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Publication number
CN111815305A
CN111815305A CN202010834559.XA CN202010834559A CN111815305A CN 111815305 A CN111815305 A CN 111815305A CN 202010834559 A CN202010834559 A CN 202010834559A CN 111815305 A CN111815305 A CN 111815305A
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payment
platform
service gateway
party
dimensional code
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容达
蔡刚强
郑立
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Guangzhou Automobile Group Co Ltd
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Guangzhou Automobile Group Co Ltd
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    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/02Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • G06Q20/027Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP] involving a payment switch or gateway
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/08Payment architectures
    • G06Q20/085Payment architectures involving remote charge determination or related payment systems
    • G06Q20/0855Payment architectures involving remote charge determination or related payment systems involving a third party
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327Short range or proximity payments by means of M-devices
    • G06Q20/3274Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being displayed on the M-device
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/40Authorisation, 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
    • G06Q20/401Transaction verification

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

Abstract

The invention provides a vehicle-mounted machine safety payment method, which comprises the following steps: step S10, when the vehicle machine with the APP of the application store settles, a payment request carrying merchant identification information and price information is sent to the payment service gateway; step S11, the payment service gateway retrieves the shop information table according to the merchant identification information in the payment request, obtains the corresponding payment parameter, and requests a third party payment platform to generate a two-dimensional code link by combining price information; step S12, the third party payment platform generates a two-dimensional code link and transmits the two-dimensional code link to the vehicle machine; step S13, the vehicle machine forms and displays the payment two-dimensional code according to the two-dimensional code link; and step S14, the user performs code scanning payment on the payment two-dimension through the mobile terminal provided with the payment APP. The invention also provides a corresponding system. The method and the device can improve the payment safety, reduce the transmission data volume during vehicle-mounted payment and improve the use experience of users.

Description

Vehicle-mounted machine safety payment method and system
Technical Field
The invention relates to the technical field of vehicle-mounted machine payment, in particular to a vehicle-mounted machine safety payment method and system.
Background
The existing vehicle has become an access terminal of the internet or the internet of vehicles, and more functions can be realized on the vehicle machine of the vehicle, for example, in the prior art, an APP of an application store can be installed on the vehicle machine to realize purchase and payment operations of software, goods and the like. With the increasing number of vehicle-mounted payment scenes, such as application payment purchase, theme payment purchase, voice virtual image purchase, vehicle-mounted article purchase and the like, the payee of each payment scene is different, namely the caller of the vehicle-mounted payment service is different, and in the calling process, the guarantee of the safety of payment data is an important subject.
For payments, it is currently common practice in the art to: when a caller (such as APP) calls the payment service, payment parameter information is directly transmitted to the payment service gateway: APP identification number (APPid), merchant identification number (merchant id), merchant key (key), certificate file, and payee name. However, the operation mode in the prior art has the following problems:
firstly, in the payment parameter information, the security requirements required by the merchant key and the certificate file are very high, and if leakage occurs in the transmission process, a serious payment security problem can be caused; if the certificate file is leaked, the certificate needs to be regenerated;
secondly, the data required to be transmitted for each calling is more, and packet loss is easy to occur, so that the success rate of the payment request is reduced; meanwhile, the request speed is influenced, so that the request and return speeds of payment are low, and the experience is influenced.
Disclosure of Invention
The technical problem to be solved by the invention is to provide a vehicle-mounted machine secure payment method and system, which can improve the payment security, reduce the transmission data volume during vehicle-mounted machine payment and improve the use experience of users.
In order to solve the technical problem, an aspect of the present invention provides a car-in-vehicle secure payment method, which includes the following steps:
step S10, when the vehicle machine installed with the APP of the application store settles, a payment request is sent to a payment service gateway, wherein the payment request carries merchant identification information and price information;
step S11, the payment service gateway receives the payment request, retrieves a pre-stored store information table according to the merchant identification information carried by the payment service gateway, obtains the payment parameter corresponding to the merchant identification information, sends the payment parameter and the price information to a third party payment platform, and requests to generate a two-dimensional code link; wherein the payment parameters include: the APP identification number, the merchant key, the certificate and the payee name information are obtained;
step S12, the third party payment platform generates a two-dimensional code link according to the payment parameters and the price information and sends the two-dimensional code link to the vehicle machine through a payment service gateway;
step S13, after receiving the two-dimension code link, the car machine renders the two-dimension code to form a payment two-dimension code and displays the payment two-dimension code;
and step S14, the user performs code scanning payment on the payment two-dimension through the mobile terminal provided with the payment APP.
Wherein, further include:
and the payment result of the mobile terminal is sent to the vehicle machine through the third party payment platform and the payment service gateway and is displayed.
Wherein, further include:
a shop information table is stored in the payment service gateway in advance, the shop information table includes payment parameters and merchant identification information corresponding to each merchant in the car APP, and the payment parameters include: APP identification number, merchant key, certificate file, payee name.
The third party payment platform is a Payment platform, a WeChat payment platform, a Unionpay payment platform, a wing payment platform, a Huacheng payment platform and an apple payment platform.
Correspondingly, another aspect of the present invention further provides a car machine secure payment system, which includes a car machine installed with an APP store, a payment service gateway, a third party payment platform, and a mobile terminal, wherein:
the vehicle machine is used for initiating a payment request to a payment service gateway during settlement, wherein the payment request carries merchant identification information and price information; the payment two-dimensional code is rendered and displayed after the two-dimensional code link from the third-party payment platform is received;
the payment service gateway is used for receiving the payment request, retrieving a pre-stored store information table according to merchant identification information carried by the payment service gateway, obtaining payment parameters corresponding to the merchant identification information, sending the payment parameters and price information to a third party payment platform, and requesting to generate a two-dimensional code link; and forwarding the two-dimensional code link from the third party payment platform; wherein the payment parameters include: the APP identification number, the merchant key, the certificate and the payee name information are obtained;
the third party payment platform is used for generating a two-dimensional code link according to the payment parameters and the price information from the payment service gateway and forwarding the two-dimensional code link to the vehicle machine through the payment service gateway;
the mobile terminal is internally provided with a payment APP and is used for carrying out code scanning payment on the two-dimensional payment.
Wherein, the car machine specifically includes:
the payment request sending unit is used for initiating a payment request to a payment service gateway during settlement, wherein the payment request carries merchant identification information and price information;
the two-dimension code link receiving unit is used for receiving a two-dimension code link from a third-party payment platform;
the two-dimension code generating unit is used for rendering the two-dimension code link, generating and displaying a payment two-dimension code;
and the payment result receiving unit is used for receiving the payment result forwarded to the mobile terminal through the third party payment platform and the payment service gateway.
Wherein the payment service gateway further comprises:
a storage unit, configured to store a store information table, where a corresponding relationship between each merchant identification information and a payment parameter thereof is stored in the store information table, where the payment parameter includes: the APP identification number, the merchant key, the certificate and the payee name information are obtained;
the payment request receiving and processing unit is used for receiving the payment request from the vehicle machine and acquiring merchant identification information and price information carried in the payment request;
the retrieval unit is used for retrieving a pre-stored store information table according to the merchant identification information and acquiring the payment parameters corresponding to the merchant identification information;
the two-dimension code request unit is used for sending the payment parameters and the price information to a third party payment platform and requesting to generate a two-dimension code link;
and the transparent transmission unit is used for transmitting the two-dimensional code link from the third-party payment platform or the payment result of the mobile terminal to the vehicle machine.
The third party payment platform is a Payment platform, a WeChat payment platform, a Unionpay payment platform, a wing payment platform, a Huacheng payment platform and an apple payment platform.
The embodiment of the invention has the following beneficial effects:
the invention provides a vehicle-mounted machine safety payment method and a vehicle-mounted machine safety payment system, when an application store APP on a vehicle-mounted machine calls a payment service, only merchant identification information needs to be transmitted to a payment service website, information with high safety requirements such as a merchant key and a certificate file does not need to be transmitted, the risk of disclosure in the process can be prevented, and the data safety is improved;
meanwhile, only the merchant identification information needs to be transmitted, so that the transmission data volume during vehicle-mounted payment can be reduced, the success rate and the speed of payment requests are improved, and the use experience of users can be improved.
Drawings
In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly introduced below, and it is obvious that the drawings in the following description are only some embodiments of the present invention, and it is within the scope of the present invention for those skilled in the art to obtain other drawings based on the drawings without inventive exercise.
Fig. 1 is a schematic main flow diagram of an embodiment of a secure payment method of a vehicle machine according to the present invention;
FIG. 2 is a more detailed flow diagram of a corresponding embodiment of FIG. 1;
fig. 3 is a schematic structural diagram of an embodiment of a car-in-vehicle secure payment system provided in the present invention;
FIG. 4 is a schematic structural diagram of an embodiment of the vehicle machine shown in FIG. 3;
fig. 5 is a schematic structural diagram of an embodiment of the payment service gateway in fig. 3.
Detailed Description
In order to make the objects, technical solutions and advantages of the present invention more apparent, the present invention will be described in further detail with reference to the accompanying drawings.
Fig. 1 shows a main flow diagram of an embodiment of a car-in-vehicle secure payment method provided by the present invention. Referring to fig. 2 together, in this embodiment, the method includes the following steps:
step S10, after purchasing application software or goods, the car machine installed with the APP of the application store initiates a payment request to a payment service gateway when settling, wherein the payment request carries merchant identification information and price information; it can be understood that the APP store APP is a caller of the payment service, and only sends a primary key (merchant identification information) to the payment service gateway when the payment service is called, and the primary key should be relatively secure, and no serious security problem will be caused even if the primary key is leaked;
step S11, the payment service gateway receives the payment request, retrieves a pre-stored store information table according to the merchant identification information carried by the payment service gateway, obtains the payment parameter corresponding to the merchant identification information, sends the payment parameter and the price information to a third party payment platform, and requests to generate a two-dimensional code link; wherein the payment parameters include: the APP identification number, the merchant key, the certificate and the payee name information are obtained; the third party payment platform comprises a Payment platform, a WeChat payment platform, a Unionpay payment platform, a wing payment platform, a Huacheng payment platform, an apple payment platform and the like; it is to be understood that the present invention is not limited to the above-listed third party payment platforms; specifically, in an actual example, the third party payment platform may be a development kit (SDK) corresponding to the payment platform;
step S12, the third party payment platform generates a two-dimensional code link according to the payment parameters and the price information and sends the two-dimensional code link to the vehicle machine through a payment service gateway;
step S13, after receiving the two-dimension code link, the car machine renders the two-dimension code to form a payment two-dimension code and displays the payment two-dimension code;
and step S14, the user performs code scanning payment on the payment two-dimension through the mobile terminal provided with the payment APP.
Specifically, in some examples, further comprising:
and the payment result of the mobile terminal is sent to the vehicle machine through the third party payment platform and the payment service gateway and is displayed.
It can be understood that, for the case of purchasing application software, after the mobile terminal successfully pays, the application software is downloaded to the vehicle, and after the application software is downloaded, the vehicle is locally installed, and after the application software is installed, the user can directly use the function of the application software.
If the vehicle-mounted application store pay downloading is carried out, the method comprises the following steps for the vehicle-mounted application store and the user side:
step 1: the user clicks on the payment application at the vehicle-end application store. The application store is displayed through an application shelf at the vehicle end, and bears the application function selected and downloaded from the network end. At this time, the above-described step S10 is executed.
Step 2: and the car machine system pops up the two-dimensional code with the price. Specifically, the payment method can include displaying the payment two-dimension code, the total amount of the fee, the payment description document, and the like. At this time, the steps S11-S13 are executed.
And step 3: the user uses the mobile phone to scan the code to pay. The user can use the mobile phone terminal payment application (WeChat, Paibao and the like) to carry out code scanning payment of corresponding fees. Corresponding execution of S14.
And 4, step 4: and starting to download the application at the vehicle end after the payment is successful. Namely, the system end prompts after receiving the successful payment, and downloads the application.
And 5: and automatically installing the application after the application is downloaded. And after the application is downloaded, the vehicle is locally installed, and a user can directly use the vehicle after the application is installed.
Specifically, in some examples, further comprising:
a shop information table is stored in the payment service gateway in advance, the shop information table includes payment parameters and merchant identification information corresponding to each merchant in the car APP, and the payment parameters include: APP identification number, merchant key, certificate file, payee name. The following table 1 shows a data structure of a store information table, in which data are only examples:
TABLE 1 store information Table data Format
Sequence of steps Number (C) APP identification number (APPid) Merchant identification information (Merchant_id) Merchant key (Merchant_key) Certificate file (certificate) Name of payee (Merchant \u) Name)
1 2341 2231 767asdasd12 Document Application store
And a more detailed flowchart is shown in fig. 2, wherein, for a clearer understanding of the present invention, the car machine and the payment invocation end, i.e. the APP store APP installed in the car machine, are separately shown. Further details may be combined with the foregoing description.
Fig. 3 is a schematic structural diagram illustrating an embodiment of the in-vehicle secure payment system provided by the present invention. With reference to fig. 4 and 5, in this embodiment, the car-machine secure payment system includes a car machine 1 installed with an APP store, a payment service gateway 2, a third-party payment platform 3, and a mobile terminal 4, where:
the car machine 1 is used for initiating a payment request to a payment service gateway during settlement, wherein the payment request carries merchant identification information and price information; the payment two-dimensional code is rendered and displayed after the two-dimensional code link from the third-party payment platform is received;
the payment service gateway 2 is configured to receive the payment request, retrieve a pre-stored store information table according to merchant identification information carried by the payment request, obtain payment parameters corresponding to the merchant identification information, send the payment parameters and price information to a third-party payment platform, and request generation of a two-dimensional code link; and forwarding the two-dimensional code link from the third party payment platform; wherein the payment parameters include: the APP identification number, the merchant key, the certificate and the payee name information are obtained;
the third party payment platform 3 is used for generating a two-dimensional code link according to the payment parameters and the price information from the payment service gateway and forwarding the two-dimensional code link to the vehicle machine through the payment service gateway; the third party payment platform is a Payment platform, a WeChat payment platform, a Unionpay payment platform, a wing payment platform, a Huacheng payment platform and an apple payment platform;
and the mobile terminal 4 is internally provided with a payment APP and is used for carrying out code scanning payment on the two-dimensional payment.
Specifically, in an actual example, the car machine 1 specifically includes:
a payment request sending unit 10, configured to initiate a payment request to a payment service gateway when performing settlement, where the payment request carries merchant identification information and price information;
the two-dimensional code link receiving unit 11 is used for receiving a two-dimensional code link from a third party payment platform;
the two-dimension code generating unit 12 is configured to render the two-dimension code link, generate and display a payment two-dimension code;
and a payment result receiving unit 13, configured to receive the payment result forwarded to the mobile terminal through the third party payment platform and the payment service gateway.
In a specific example, the payment service gateway 2 further comprises:
the storage unit 20 is configured to store a store information table, where a corresponding relationship between each merchant identification information and a payment parameter thereof is stored in the store information table, where the payment parameter includes: the APP identification number, the merchant key, the certificate and the payee name information are obtained;
a payment request receiving and processing unit 21, configured to receive a payment request from the vehicle device, and obtain merchant identification information and price information carried in the payment request;
a retrieving unit 22, configured to retrieve a pre-stored store information table according to the merchant identification information, and obtain a payment parameter corresponding to the merchant identification information;
the two-dimension code request unit 23 is configured to send the payment parameter and the price information to a third-party payment platform to request generation of a two-dimension code link;
and the transparent transmission unit 24 is used for transmitting the two-dimensional code link from the third-party payment platform or the payment result of the mobile terminal to the vehicle machine.
For more details, reference may be made to the foregoing description of fig. 1 to 2, which is not repeated herein.
The embodiment of the invention has the following beneficial effects:
the invention provides a vehicle-mounted machine safety payment method and a vehicle-mounted machine safety payment system, when an application store APP on a vehicle-mounted machine calls a payment service, only merchant identification information needs to be transmitted to a payment service website, information with high safety requirements such as a merchant key and a certificate file does not need to be transmitted, the risk of disclosure in the process can be prevented, and the data safety is improved;
meanwhile, only the merchant identification information needs to be transmitted, so that the transmission data volume during vehicle-mounted payment can be reduced, the success rate and the speed of payment requests are improved, and the use experience of users can be improved.
As will be appreciated by one skilled in the art, embodiments of the present invention may be provided as a method, apparatus, or computer program product. Accordingly, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present invention may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.
The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
While the invention has been described in connection with what is presently considered to be the most practical and preferred embodiment, it is to be understood that the invention is not to be limited to the disclosed embodiment, but on the contrary, is intended to cover various modifications and equivalent arrangements included within the spirit and scope of the appended claims.

Claims (8)

1. The vehicle-mounted machine secure payment method is characterized by comprising the following steps:
step S10, when the vehicle machine installed with the APP of the application store settles, a payment request is sent to a payment service gateway, wherein the payment request carries merchant identification information and price information;
step S11, the payment service gateway receives the payment request, retrieves a pre-stored store information table according to the merchant identification information carried by the payment service gateway, obtains the payment parameter corresponding to the merchant identification information, sends the payment parameter and the price information to a third party payment platform, and requests to generate a two-dimensional code link; wherein the payment parameters include: the APP identification number, the merchant key, the certificate and the payee name information are obtained;
step S12, the third party payment platform generates a two-dimensional code link according to the payment parameters and the price information and sends the two-dimensional code link to the vehicle machine through a payment service gateway;
step S13, after receiving the two-dimension code link, the car machine renders the two-dimension code to form a payment two-dimension code and displays the payment two-dimension code;
and step S14, the user performs code scanning payment on the payment two-dimension through the mobile terminal provided with the payment APP.
2. The method of claim 1, further comprising:
and the payment result of the mobile terminal is sent to the vehicle machine and displayed through the third party payment platform and the payment service gateway.
3. The method of claim 2, further comprising:
a shop information table is stored in the payment service gateway in advance, the shop information table includes payment parameters and merchant identification information corresponding to each merchant in the car APP, and the payment parameters include: APP identification number, merchant key, certificate file, payee name.
4. The method of any one of claims 1 to 3, wherein the third party payment platform is a Payment platform, WeChat Payment platform, Unionpay Payment platform, wing Payment platform, Huaqi Payment platform, and apple Payment platform.
5. The utility model provides a car machine safety payment system which characterized in that, including car machine, payment service gateway, third party payment platform and the mobile terminal who installs application shop APP, wherein:
the vehicle machine is used for initiating a payment request to a payment service gateway during settlement, wherein the payment request carries merchant identification information and price information; the payment two-dimensional code is rendered and displayed after the two-dimensional code link from the third-party payment platform is received;
the payment service gateway is used for receiving the payment request, retrieving a pre-stored store information table according to merchant identification information carried by the payment service gateway, obtaining payment parameters corresponding to the merchant identification information, sending the payment parameters and price information to a third party payment platform, and requesting to generate a two-dimensional code link; and forwarding the two-dimensional code link from the third party payment platform; wherein the payment parameters include: the APP identification number, the merchant key, the certificate and the payee name information are obtained;
the third party payment platform is used for generating a two-dimensional code link according to the payment parameters and the price information from the payment service gateway and forwarding the two-dimensional code link to the vehicle machine through the payment service gateway;
the mobile terminal is internally provided with a payment APP and is used for carrying out code scanning payment on the two-dimensional payment.
6. The system of claim 5, wherein the vehicle machine specifically comprises:
the payment request sending unit is used for initiating a payment request to a payment service gateway during settlement, wherein the payment request carries merchant identification information and price information;
the two-dimension code link receiving unit is used for receiving a two-dimension code link from a third-party payment platform;
the two-dimension code generating unit is used for rendering the two-dimension code link, generating and displaying a payment two-dimension code;
and the payment result receiving unit is used for receiving the payment result forwarded to the mobile terminal through the third party payment platform and the payment service gateway.
7. The system of claim 6, wherein the payment service gateway further comprises:
a storage unit, configured to store a store information table, where a corresponding relationship between each merchant identification information and a payment parameter thereof is stored in the store information table, where the payment parameter includes: the APP identification number, the merchant key, the certificate and the payee name information are obtained;
the payment request receiving and processing unit is used for receiving the payment request from the vehicle machine and acquiring merchant identification information and price information carried in the payment request;
the retrieval unit is used for retrieving a pre-stored store information table according to the merchant identification information and acquiring the payment parameters corresponding to the merchant identification information;
the two-dimension code request unit is used for sending the payment parameters and the price information to a third party payment platform and requesting to generate a two-dimension code link;
and the transparent transmission unit is used for transmitting the two-dimensional code link from the third-party payment platform or the payment result of the mobile terminal to the vehicle machine.
8. The system of claim 7, wherein the third party payment platform is a paypal payment platform, a WeChat payment platform, a Unionpay payment platform, a wing payment platform, a Huacheng payment platform, and an apple payment platform.
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CN103179207A (en) * 2013-03-19 2013-06-26 深圳市掌讯通讯设备有限公司 Data transmission method and system as well as device
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CN115205992A (en) * 2021-04-08 2022-10-18 广州汽车集团股份有限公司 Vehicle toll payment method, vehicle-mounted assistant, and computer-readable storage medium
CN115205992B (en) * 2021-04-08 2024-03-01 广州汽车集团股份有限公司 Vehicle toll payment method, vehicle-mounted assistant and computer-readable storage medium
CN114093038A (en) * 2021-10-19 2022-02-25 阿波罗智联(北京)科技有限公司 Parking payment method and device

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