CN117196609A - Non-inductive payment system - Google Patents

Non-inductive payment system Download PDF

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Publication number
CN117196609A
CN117196609A CN202310927211.9A CN202310927211A CN117196609A CN 117196609 A CN117196609 A CN 117196609A CN 202310927211 A CN202310927211 A CN 202310927211A CN 117196609 A CN117196609 A CN 117196609A
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Prior art keywords
server
fueling
oiling
information
order information
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Chinese (zh)
Inventor
马万龙
牛立
王石峰
罗赛
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Shandong Energy Chain Holding Co ltd
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Chezhubang Beijing Technology Co Ltd
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Priority to CN202310927211.9A priority Critical patent/CN117196609A/en
Publication of CN117196609A publication Critical patent/CN117196609A/en
Pending legal-status Critical Current

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR 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
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3224—Transactions dependent on location of M-devices
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F16/00—Information retrieval; Database structures therefor; File system structures therefor
    • G06F16/90—Details of database functions independent of the retrieved data types
    • G06F16/95—Retrieval from the web
    • G06F16/953—Querying, e.g. by the use of web search engines
    • G06F16/9537—Spatial or temporal dependent retrieval, e.g. spatiotemporal queries
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K17/00—Methods or arrangements for effecting co-operative working between equipments covered by two or more of main groups G06K1/00 - G06K15/00, e.g. automatic card files incorporating conveying and reading operations
    • G06K17/0022—Methods or arrangements for effecting co-operative working between equipments covered by two or more of main groups G06K1/00 - G06K15/00, e.g. automatic card files incorporating conveying and reading operations arrangements or provisious for transferring data to distant stations, e.g. from a sensing device
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR 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
    • G06Q20/327—Short range or proximity payments by means of M-devices
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR 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
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3829—Payment protocols; Details thereof insuring higher security of transaction involving key management

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  • Engineering & Computer Science (AREA)
  • Business, Economics & Management (AREA)
  • Theoretical Computer Science (AREA)
  • General Physics & Mathematics (AREA)
  • Physics & Mathematics (AREA)
  • Accounting & Taxation (AREA)
  • General Business, Economics & Management (AREA)
  • Strategic Management (AREA)
  • Databases & Information Systems (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • General Engineering & Computer Science (AREA)
  • Data Mining & Analysis (AREA)
  • Computer Security & Cryptography (AREA)
  • Finance (AREA)
  • Loading And Unloading Of Fuel Tanks Or Ships (AREA)

Abstract

The application provides a non-inductive payment system, comprising: after the fueling module scans the tag, a tag I D is obtained; the first server receives the oiling request message including the tag I D and the oiling module I D sent by the oiling module, queries a preset tag I D and a user account information comparison table according to the tag I D to obtain target user account information corresponding to the tag I D, judges whether the difference value of the first position information of the oiling module, the second position information of the vehicle and/or the third position information of the user terminal is within a preset range, generates a first confirmation message when the difference value is within the preset range, and sends the first confirmation message to the oiling module, and finally receives the oiling completion message sent by the oiling module when oiling is completed, generates oiling order information to be paid according to the oiling completion message and the oiling module I D, encrypts the oiling order information to be paid and sends the oiling order information to the second server. Thereby, a non-inductive payment of the fueling is made.

Description

Non-inductive payment system
The application relates to a divisional application of Chinese patent application with application number 202010313416.4 and name of 'non-inductive payment system', which is submitted by Chinese patent office on 4 months and 20 days in 2020.
Technical Field
The application relates to the field of data processing, in particular to a non-inductive payment system.
Background
In traditional oiling, after the user finishes oiling, the user needs to actively execute payment operation, such as cash, bank card or network payment, but the payment modes all need to actively operate by the user, occupy some time, increase the residence time of the vehicle in the filling station, and cause the phenomenon of congestion queuing of the vehicle in the filling station during peak time, so that some intention oiling clients directly select to leave when discovering the congestion queuing in the filling station, thereby causing the actual passenger flow to be reduced, reducing the operation efficiency of the filling station and reducing the operation income.
Disclosure of Invention
The embodiment of the application aims to provide a non-inductive payment system so as to solve the problem of low oiling efficiency in the prior art.
To solve the above problems, the present application provides a non-inductive payment system, the system comprising:
the tag module comprises a tag arranged on a vehicle oil tank;
the oiling module is used for scanning the tag to obtain a tag ID;
the first server receives a refueling request message which is sent by the refueling module and comprises a tag ID and a refueling module ID, queries a preset tag ID and user account information comparison table according to the tag ID to obtain target user account information corresponding to the tag ID, and determines first position information of the refueling module according to the refueling module ID; the target user account information comprises a vehicle ID and a user terminal ID;
the vehicle-mounted terminal receives a first position inquiry request message which is sent by the first server and comprises the vehicle ID, obtains second position information of the vehicle according to the first position inquiry request message, and sends the second position information to the first server;
the user terminal receives a second location query request message including the user terminal ID sent by the first server, obtains third location information of the user terminal according to the second location query request message, and sends the third location information to the first server;
the first server judges whether the difference value of the first position information, the second position information and/or the third position information is within a preset range, and when the difference value is within the preset range, the first server inquires whether the pre-fueling order information to be paid corresponding to the fueling module ID and the target user account information exists according to the fueling station ID, the fueling gun ID and the target user account information; when the oiling is finished, a oiling finishing message sent by the oiling module is received, oiling order information to be paid is generated according to the oiling finishing message and the oiling module ID, and the oiling order information to be paid is encrypted and then sent to a second server; the pre-fueling order information to be paid includes a pre-fueling station ID, a pre-fueling gun ID, a pre-fueling liter, and a pre-fueling expense amount; the first confirmation message includes a fueling boost number of the pre-fueling; the oiling completion message comprises the actual oiling liter and the actual oiling amount;
the second server receives the encrypted oiling order information to be paid, which is sent by the first server, decrypts the encrypted oiling order information to be paid, pays the information, and sends payment state information to the first server after the payment is completed.
In one possible implementation manner, the first server encrypts the oiling order information to be paid through a first symmetric key to obtain first encrypted data; extracting the abstract of the pre-fueling order information to be paid to obtain the abstract of the pre-fueling order information to be paid; signing the abstract through a first private key to obtain a signed abstract; encrypting the first symmetric key through a second public key to obtain an encrypted first symmetric key; packaging the first encrypted data, the signed digest and the encrypted first symmetric key to obtain encrypted data; and sending the encrypted data to a second server so that the second server performs the secret payment.
In one possible implementation manner, the second server unpacks the encrypted data to obtain the first encrypted data, the signed digest and the encrypted first symmetric key; decrypting the encrypted first symmetric key through a second private key to obtain a first symmetric key; decrypting the first encrypted data through the first symmetric key to obtain pre-fueling order information to be paid; extracting the abstract of the pre-fueling order information to be paid through an abstract algorithm to obtain an abstract to be compared; decrypting the signed abstract through a first public key to obtain the abstract; and comparing the abstract with the abstract to be compared, and determining that the abstract passes the security verification when the abstract and the abstract to be compared are equal.
In one possible implementation manner, the first server receives pre-fueling order information sent by a user terminal; the pre-fueling order information includes a user ID, a pre-fueling station ID, a pre-fueling gun ID, a pre-fueling liter, and a pre-fueling expense amount;
inquiring credit capability information of user account information corresponding to the user ID according to the user ID; the credit ability information includes a credit score of the user;
when the credit score is not smaller than a preset score threshold value, inquiring first payment capability information of a payment account of a user corresponding to the user account information;
and generating pre-fueling order information to be paid when the first payment capability information is not less than the consumption amount of the pre-fueling.
In one possible implementation manner, when the difference value of the first position information, the second position information and/or the third position information is not within a preset range, the first server determines that the refueling request message is an abnormal refueling request message, and generates an abnormal notification message; and sending the abnormality notification message to the user terminal.
In one possible implementation manner, the first server obtains an original fueling order information set corresponding to each fueling station ID in a preset time period; the original oiling order information set comprises a plurality of original oiling order information, and the original oiling order information is information after payment of the order information to be paid;
according to a preset time interval, the original fueling order information set is aggregated to obtain time sequences of fuel consumption of different fuel numbers;
detecting the time sequence, and determining the number and time of oil with abnormal oil consumption;
generating a first message according to the oil number and time when the abnormal oil consumption exists; the first message comprises an oil number and time when the abnormal oil consumption exists;
and sending the first message to a management terminal.
In one possible implementation, the first server generates a second confirmation message when there is no pre-fueling order information to be paid, and sends the second confirmation message to the fueling module; the second acknowledgement message includes an oil gun ID;
and the oiling module is used for oiling according to the oil tank ID and preset oiling data, and sending oiling order information to be paid to the first server after oiling is completed.
In one possible implementation, the tag module includes: the antenna comprises a chip module, an antenna module and a storage module;
the chip module is respectively connected with the antenna module and the storage module;
the storage module stores a first code for uniquely identifying the vehicle.
In one possible implementation, the fueling module includes a fueling device and a fueling gun; the oil gun is provided with a card reader, and the card reader comprises a transmitting module, a receiving module and a communication module; the communication module is connected with the first server; the transmitting module transmits electromagnetic energy, the antenna module senses the electromagnetic energy and activates the chip module, and the chip module transmits the first code outwards;
the card reader receives the first code through the receiving module, decodes the first code to obtain a tag ID, and sends the tag ID and the oiling module ID to the first server through the communication module.
By applying the non-inductive payment system provided by the embodiment of the application, the tag module is decoded by the oiling module, after the oiling request message is sent, the position information is verified, and oiling is performed when the position information is normal, and in the payment process after the oiling is completed, the safety of the payment process is ensured by encrypting the oiling order information, so that the safety of the whole oiling process is ensured, and the oiling efficiency is improved.
Drawings
Fig. 1 is a schematic structural diagram of a non-inductive payment system according to an embodiment of the present application;
fig. 2 is a schematic diagram of a specific structure of a non-inductive payment system according to an embodiment of the present application.
Detailed Description
The application is described in further detail below with reference to the drawings and examples. It is to be understood that the specific embodiments described herein are merely illustrative of the application and are not limiting of the application. It should be noted that, for convenience of description, only the portions related to the present application are shown in the drawings.
It should be noted that, without conflict, the embodiments of the present application and features of the embodiments may be combined with each other. The application will be described in detail below with reference to the drawings in connection with embodiments.
The first, second, etc. numbers are merely distinguished and have no other meaning.
Fig. 1 is a schematic structural diagram of a non-inductive payment system according to an embodiment of the present application. The system is applied to the scene of filling oil in a filling station. The first server may be a Point of sale (POS) server having a calculation processing function, and the second server may be a server of a payment system, for example, it may be determined which type of server the second server is specifically according to a payment mode selected by a user from pre-fueling order information to be paid, when the payment mode is a payment device or a WeChat payment, the second server may be a payment device or a WeChat server, and when the payment mode is a savings card payment, the second server may be a settlement server of a bank corresponding to the savings card. As shown in fig. 1, the non-inductive payment system includes the following: a tag module 1, a fueling module 2, a first server 3, an in-vehicle terminal 4, and a second server 5.
The tag module 1 includes a tag provided on a vehicle fuel tank.
Fig. 2 is a schematic diagram of a specific structure of a non-inductive payment system according to an embodiment of the present application. Referring to fig. 2, the tag includes: chip module 11, antenna module 12 and memory module. The chip module 11 is respectively connected with the antenna module 12 and the storage module 13; the storage module 13 stores a first code for uniquely identifying the vehicle.
And the oiling module 2 scans the label to obtain the label ID.
The oiling module 2 comprises an oiling device and an oil gun; the oil gun is provided with a card reader, and the card reader comprises a transmitting module 21, a receiving module 22 and a communication module 23; the communication module 23 may be connected to the first server 3 or may be connected to a communication module of the fueling device; the transmitting module 21 transmits electromagnetic energy, the antenna module 12 senses the electromagnetic energy and activates the chip module 11, and the chip module 11 transmits the first code outwards; the card reader receives the first code through the receiving module 22, decodes the first code to obtain the tag ID, and transmits the tag ID and the fueling module ID to the communication module of the fueling device or the first server 3 through the communication module 23.
The first server 3 receives the oiling request message comprising the tag ID and the oiling module ID sent by the oiling module 2, inquires a preset tag ID and user account information comparison table according to the tag ID to obtain target user account information corresponding to the tag ID, and determines first position information of the oiling module 2 according to the oiling module ID; the target user account information includes a vehicle ID and a user terminal ID.
The fueling module ID may include, among other things, a fueling station ID and a fueling gun ID. The station ID may be a number of stations, each station having a unique number. For example, the gas station number may be "1110".
The oil gun ID may include the number of the oil gun, and the oil gun may be divided into oil guns with different numbers according to the corresponding gasoline types, for example, 001 may correspond to 92 # gasoline, 002 may correspond to 95# gasoline, and each oil filling device may have one or more oil guns, where when there are multiple oil guns, these oil guns may correspond to the same type of gasoline, and may also correspond to different types of gasoline. The structure of the gun ID may be a gas station id+a fueling device id+a gun number, for example, "1110012001" may have the meaning of: the gas station number "1110", the fueling device number "012", and the gun number "001" can be obtained from the gun ID, which gun is located under which fueling device in the gas station.
Specifically, one tag ID may correspond to one piece of vehicle information including a vehicle identification (Identity document, ID) and vehicle type information. The vehicle ID is a unique vehicle identifier, which may be a license plate number or a globally unique number of the vehicle.
One tag ID corresponds to one piece of vehicle information, and one user may have one or more vehicles, that is, one user may have one tag ID or may have a plurality of tag IDs, but one user corresponds to only one user account information, and these correspondence relations are stored in a preset tag ID and user account information comparison table. Thus, when the first server 3 receives the fueling request message, the fueling request message is unpacked, the user account information and the vehicle ID corresponding to the tag ID are determined according to the tag ID, and the user account information corresponding to the current tag ID is used as the target user account information.
The user account information may be an account number of the user stored in the first server 3, and under the account number, the user account information may have a vehicle ID, a vehicle type, a user terminal ID, a user ID to which the vehicle belongs, a fleet ID to which the vehicle belongs, and a user contact manner, for example, a mobile phone number of the user.
The first location information may be longitude and latitude information of the gas stations, each gas station has a unique number, and the gas station may be searched through the gas station ID, so that the longitude and latitude of the gas station may be determined according to the gas station ID.
The vehicle-mounted terminal 4 receives a first position inquiry request message including the vehicle ID sent by the first server 3, obtains second position information of the vehicle according to the first position inquiry request message, and sends the second position information to the first server 3;
specifically, the vehicle is provided with the vehicle-mounted terminal 4, the vehicle-mounted terminal 4 may be provided with a positioning module, or the vehicle-mounted terminal 4 communicates with a vehicle-mounted sensor, such as a GPS, provided on the vehicle, so that the first server 3 may communicate with the vehicle-mounted terminal 4, and thus, a second position where the vehicle is currently located may be obtained. The second position information is longitude and latitude data of the current vehicle.
The user terminal receives a second location query request message comprising the user terminal ID sent by the first server 3, obtains third location information of the user terminal according to the second location query request message, and sends the third location information to the first server 3;
specifically, the user account information includes a user terminal ID, where the terminal may be a mobile phone, an IPAD, and the like, and when the terminal is a mobile phone, the terminal ID may be a unique identification code of the mobile phone. When the target user account information is logged in at the terminal, the user terminal ID may be stored in the target user account information.
The first server 3 may send a query request message to the user terminal according to the terminal ID, where the user terminal may obtain, through the base station, third location information of the terminal corresponding to the terminal ID, where the third location information is also longitude and latitude information. Subsequently, the user terminal may transmit the third location information as response information to the first server 3.
The first server 3 judges whether the difference value of the first position information, the second position information and/or the third position information is in a preset range, and when the difference value is in the preset range, the first server 3 inquires whether the pre-fueling order information to be paid corresponding to the fueling module ID and the target user account information exists according to the fueling station ID, the fueling gun ID and the target user account information; when the oil filling module exists, generating a first confirmation message, sending the first confirmation message to the oil filling module 2, and finally, when the oil filling is finished, receiving an oil filling completion message sent by the oil filling module 2, generating oiling order information to be paid according to the oil filling completion message and an oil filling module ID, encrypting the oiling order information to be paid, and sending the oiling order information to the second server 5; the pre-fueling order information to be paid includes a pre-fueling station ID, a pre-fueling gun ID, a pre-fueling liter, and a pre-fueling expense amount; the first confirmation message includes a refuel liter of pre-refuel; the refuel completion message includes the actual refuel liter number and the actual refuel amount.
When the difference values of the first position information, the second position information and/or the third position information are within the preset range, it may be determined that the fueling request message is valid, and after determining whether the pre-fueling order information to be paid is preset in the first server 3, fueling is performed according to the pre-fueling data in the pre-fueling order information to be paid.
Further, when the difference value between the first position information and the second position information is not in the preset range, determining that the refueling request message is an abnormal refueling request message; or when the difference value between the first position information and the third position information is not in the preset range, determining that the refueling request message is an abnormal refueling request message; or when the difference value of the first position information, the second position information and the third position information is not in a preset range, determining that the oiling request message is an abnormal oiling request message, and generating an abnormal notification message; and sending the abnormality notification message to the user terminal. Therefore, whether the refueling request message is a normal refueling request message can be determined through the position judgment, and when the refueling request message is abnormal, an abnormal notification message is generated so as to avoid the refueling operation when the vehicle is abnormal.
The user terminal may have two types:
firstly, when a comparison table comprises a fleet ID, sending an abnormality notification message to a user terminal of a lead of the fleet ID according to the fleet ID corresponding to the vehicle ID;
and secondly, when the comparison table does not comprise the fleet ID, sending an abnormality notification message to a user terminal corresponding to the fleet ID according to the fleet ID. Thus, if the tag is stolen, the third location information may be sent to the user terminal for the user terminal to locate the location of the tag.
Further, the first server 3 may obtain the pre-fueling order information to be paid through the following operations.
Specifically, first, the first server 3 receives pre-fueling order information sent by the user terminal; the pre-fueling order information includes a user ID, a pre-fueling station ID, a pre-fueling gun ID, a pre-fueling liter, and a pre-fueling spending amount; then, inquiring credit capability information of user account information corresponding to the user ID according to the user ID; the credit ability information includes a credit score of the user; secondly, inquiring first payment capability information of a payment account of a user corresponding to user account information when the credit score is not smaller than a preset score threshold value; finally, when the first payment capability information is not less than the amount of consumption of the pre-fueling, pre-fueling order information to be paid is generated.
The user terminal can be an intelligent terminal such as a mobile phone. The credit ability information may be a score of the credit ability of the user, e.g., the credit ability score may be generated from a payment record of the user, a credit record of the customer. For example, in the first server 3, a credit score may be generated, and the credit record of the user at the bank may be generated, and the credit capability information of the user may be obtained after the two credit scores are weighted and summed. The credit ability information is a dynamically changing data that can be changed with the user's payment record and credit record.
Thus, the first server 3, upon receiving the fueling request message, first performs a query to determine whether there is pre-fueling order information to be paid, and when there is pre-fueling order information to be paid, performs fueling directly according to the fueling rise of the pre-fueling therein.
Further, the first server 3 encrypts the oiling order information to be paid through the first symmetric key to obtain first encrypted data; extracting the abstract of the pre-fueling order information to be paid to obtain the abstract of the pre-fueling order information to be paid; signing the abstract through a first private key to obtain a signed abstract; encrypting the first symmetric key through the second public key to obtain an encrypted first symmetric key; packaging the first encrypted data, the signed digest and the encrypted first symmetric key to obtain encrypted data; the encrypted data is sent to the second server 5 to enable the second server 5 to make a payment without encryption.
The first symmetric key herein is a key when symmetric encryption is performed, and the first symmetric key may be generated according to a symmetric encryption algorithm, including, but not limited to, a data encryption algorithm (Data Encryption Algorithm, DES), a triple data encryption algorithm (Triple Data Encryption Algorithm,3 DES), an advanced encryption standard (Advanced Encryption Standard, AES) algorithm, an RC-5 algorithm, and an international data encryption algorithm (International Data Encryption Algorithm, IDEA).
Therefore, the order data is symmetrically encrypted through the first symmetric key, the abstract is asymmetrically encrypted through the first private key, and the first symmetric key is asymmetrically encrypted through the second public key, so that the safety of the data under multiple encryption is ensured.
The second server 5 receives the encrypted to-be-paid fueling order information sent by the first server 3, decrypts the encrypted to-be-paid fueling order information, performs payment, and sends payment status information to the first server 3 after the payment is completed.
Therefore, the order data is symmetrically encrypted through the first symmetric key, the abstract is asymmetrically encrypted through the first private key, and the first symmetric key is asymmetrically encrypted through the second public key, so that the safety of the data under multiple encryption is ensured. The second server 5 decrypts to ensure the payment security, and the second server 5 decrypts as follows:
firstly, the second server 5 unpacks the encrypted data to obtain first encrypted data, a signed abstract and an encrypted first symmetric key; then, decrypting the encrypted first symmetric key through the second private key to obtain a first symmetric key; secondly, decrypting the first encrypted data through the first symmetric key to obtain pre-fueling order information to be paid; then, extracting the abstract of the pre-fueling order information to be paid through an abstract algorithm to obtain an abstract to be compared; then, decrypting the signed abstract through the first public key to obtain the abstract; and finally, comparing the abstract with the abstract to be compared, and determining that the abstract and the abstract pass the security verification when the abstract and the abstract are equal.
Thereby, the second server 5 decrypts in correspondence with the encrypted process, thereby ensuring the security of the payment process.
The first server 3 also needs to perform security verification between the first server 3 and the second server 5 before encryption. Before the security verification is performed, the security of the public key and the private key generated by the first server 3 needs to be confirmed by the server of the third party certification authority. Verification of public key security may be performed by:
firstly, a first public key, a server ID of a third party certification authority and a second server 5ID are sent to a server of the third party certification authority; then, the server of the third party authentication mechanism encrypts the first public key through a preset private key to obtain the encrypted first public key of the server of the third party authentication mechanism; secondly, the server of the third party certification authority sends the first public key encrypted by the server of the third party certification authority to the second server 5 according to the ID of the second server 5; finally, the second server 5 decrypts the encrypted first public key through a preset public key to obtain the first public key; the preset public key is a preset public key of a server of the third party certification authority.
Wherein the server of the third party certificate authority would previously send the first public key to the first server 3 and the second server 5. Therefore, the security of the public key is ensured through the server of the third party authentication mechanism, and the security of the payment process is ensured.
The step of performing security verification on the private key is the same as the step of performing security verification on the public key, and will not be described here again. The first server 3 generates a plurality of pairs of public and private keys for data encryption.
Further, the first server 3 obtains an original fueling order information set corresponding to each fueling station ID in a preset time period; the original oiling order information set comprises a plurality of original oiling order information, wherein the original oiling order information is information after payment of the order information to be paid;
according to the preset time interval, the original fueling order information set is aggregated to obtain time sequences of fuel consumption of different fuel numbers;
detecting the time sequence, and determining the oil number and time when the abnormal oil consumption exists;
generating a first message according to the oil number and time when the abnormal oil consumption exists; the first message comprises the oil number and time when the abnormal oil consumption exists;
and sending the first message to the management terminal.
Specifically, the time interval may be preset according to a preset period. The preset time period may be one week, one month, three months, and the preset time interval may be one day or one day. The original fueling order information may be aggregated to obtain a time sequence for each fueling number, where the time sequence has an abscissa of time, e.g. 1 day apart, and an ordinate of fuel consumption, e.g. 2020/03/01, a fueling station has a fuel consumption of 4300L of 95# gasoline, 2020/03/02, a fueling station has a fuel consumption of 4900L of 95# gasoline, etc.
According to the time sequence abnormality detection algorithm S-H-ESD, the oil number and time of abnormal oil consumption can be determined.
In the time sequence anomaly detection algorithm, the time sequence of the oil number in the time sequence can be taken as a sample set in view of the periodicity and the trend of the time sequence data, the median and the absolute median of the sample set are obtained, and a single anomaly point is calculated until all anomaly points are calculated. For a limited number set, the middle one can be found by sorting all fuel consumption levels down. If the sample set has an even number, the median is not unique, and the average of the two values in the middle is usually taken as the median. The absolute median may be the median of the absolute deviation of each data point (fuel consumption) in the sample set to the median.
For the calculated abnormal point, a first message may be generated according to the oil number corresponding to the abnormal point and the specific value of the abnormal oil consumption. To facilitate verification of the original fueling order set via the first message. When it is determined that the fuel consumption amount of a certain day is abnormal, the original fueling order information of the fuel number related to the fuel station ID of the certain day may be checked to verify whether the original fueling order information is in error. Therefore, the verification of the original fueling order information is realized, and the accuracy of fueling data is ensured.
The fueling order information to be paid becomes fueling order information after payment, and a plurality of fueling order information in the first server 3 constitute an original fueling order information set.
Further, the first server 3 may further predict according to the time sequence of each oil number and the historical time sequence of the oil number, to obtain a predicted time sequence of each oil number; and sending the prediction result in the prediction time sequence to the management terminal so that the management terminal can configure the reserves of the oil numbers according to the prediction result.
The management terminal may be a terminal that manages the fueling equipment at each fueling station, and for the time series, the total fuel consumption of each fuel number may be calculated, so as to perform advanced configuration of the storage amount corresponding to each fuel number. Providing basis for the storage capacity configuration of the gas station in advance.
By applying the non-inductive payment system provided by the embodiment of the application, the tag module is decoded by the oiling module, after the oiling request message is sent, the position information is verified, and oiling is performed when the position information is normal, and in the payment process after the oiling is completed, the safety of the payment process is ensured by encrypting the oiling order information, so that the safety of the whole oiling process is ensured, and the oiling efficiency is improved.
Those of skill would further appreciate that the various illustrative elements and algorithm steps described in connection with the embodiments disclosed herein may be implemented as electronic hardware, computer software, or combinations of both, and that the various illustrative elements and steps are described above generally in terms of function in order to clearly illustrate the interchangeability of hardware and software. Whether such functionality is implemented as hardware or software depends upon the particular application and design constraints imposed on the solution. Skilled artisans may implement the described functionality in varying ways for each particular application, but such implementation decisions should not be interpreted as causing a departure from the scope of the present application.
The steps of a method or algorithm described in connection with the embodiments disclosed herein may be embodied in hardware, in a software module executed by a processor, or in a combination of the two. The software modules may be disposed in Random Access Memory (RAM), memory, read Only Memory (ROM), electrically programmable ROM, electrically erasable programmable ROM, registers, hard disk, a removable disk, a CD-ROM, or any other form of storage medium known in the art.
The foregoing detailed description of the application has been presented for purposes of illustration and description, and it should be understood that the application is not limited to the particular embodiments disclosed, but is intended to cover all modifications, equivalents, alternatives, and improvements within the spirit and principles of the application.

Claims (10)

1. A non-inductive payment system, the system comprising:
the tag module comprises a tag arranged on a vehicle oil tank;
the oiling module scans the tag to obtain a tag ID;
the system comprises a first server, a second server and a third server, wherein the first server receives pre-fueling order information sent by a user terminal; the pre-fueling order information includes a user ID, a pre-fueling station ID, a pre-fueling gun ID, a pre-fueling liter, and a pre-fueling expense amount;
inquiring credit capability information of user account information corresponding to the user ID according to the user ID; the credit ability information includes a credit score of the user;
when the credit score is not smaller than a preset score threshold value, inquiring first payment capability information of a payment account of a user corresponding to the user account information;
generating pre-fueling order information to be paid when the first payment capability information is not less than the amount of consumption of the pre-fueling;
the first server acquires an original fueling order information set corresponding to each fueling station ID in a preset time period; the original oiling order information set comprises a plurality of original oiling order information, and the original oiling order information is information after payment of the oiling order information to be paid;
according to a preset time interval, the original fueling order information set is aggregated to obtain time sequences of fuel consumption of different fuel numbers;
detecting the time sequence, and determining the number and time of oil with abnormal oil consumption;
generating a first message according to the oil number and time when the abnormal oil consumption exists; the first message comprises an oil number and time when the abnormal oil consumption exists.
2. The system of claim 1, wherein the first server receives a fueling request message including a tag ID and a fueling module ID sent by the fueling module, queries a preset tag ID and user account information comparison table according to the tag ID to obtain target user account information corresponding to the tag ID, and determines first location information of the fueling module according to the fueling module ID; the target user account information comprises a vehicle ID and a user terminal ID;
the vehicle-mounted terminal receives a first position inquiry request message which is sent by the first server and comprises the vehicle ID, obtains second position information of the vehicle according to the first position inquiry request message, and sends the second position information to the first server;
the user terminal receives a second location query request message including the user terminal ID sent by the first server, obtains third location information of the user terminal according to the second location query request message, and sends the third location information to the first server;
the first server judges whether the difference value of the first position information, the second position information and/or the third position information is in a preset range, and when the difference value is in the preset range, the first server inquires whether pre-fueling order information to be paid corresponding to the fueling module ID and the target user account information exists according to the fueling station ID, the fueling gun ID and the target user account information; when the oiling is finished, a oiling finishing message sent by the oiling module is received, oiling order information to be paid is generated according to the oiling finishing message and the oiling module ID, and the oiling order information to be paid is encrypted and then sent to a second server; the pre-fueling order information to be paid includes a pre-fueling station ID, a pre-fueling gun ID, a pre-fueling liter, and a pre-fueling expense amount; the first confirmation message includes a fueling boost number of the pre-fueling; the oiling completion message comprises the actual oiling liter and the actual oiling amount;
the second server receives the encrypted oiling order information to be paid, which is sent by the first server, decrypts the encrypted oiling order information to be paid, pays the information, and sends payment state information to the first server after the payment is completed.
3. The system of claim 2, wherein the first server encrypts the fueling order information to be paid with a first symmetric key to obtain first encrypted data; extracting the abstract of the pre-fueling order information to be paid to obtain the abstract of the pre-fueling order information to be paid; signing the abstract through a first private key to obtain a signed abstract; encrypting the first symmetric key through a second public key to obtain an encrypted first symmetric key; packaging the first encrypted data, the signed digest and the encrypted first symmetric key to obtain encrypted data; and sending the encrypted data to a second server so that the second server performs the secret payment.
4. The system of claim 3, wherein the second server unpacks the encrypted data to obtain the first encrypted data, the signed digest, and the encrypted first symmetric key; decrypting the encrypted first symmetric key through a second private key to obtain a first symmetric key; decrypting the first encrypted data through the first symmetric key to obtain pre-fueling order information to be paid; extracting the abstract of the pre-fueling order information to be paid through an abstract algorithm to obtain an abstract to be compared; decrypting the signed abstract through a first public key to obtain the abstract; and comparing the abstract with the abstract to be compared, and determining that the abstract passes the security verification when the abstract and the abstract to be compared are equal.
5. The system of any of claims 3-4, wherein the first server sends the first private key to be verified, the first public key to be verified, and the second server ID to a server of the third party certification authority based on the server ID of the third party certification authority; the server of the third party authentication mechanism encrypts a first private key to be verified and a first public key to be verified through a preset private key respectively to obtain a first private key and a first public key encrypted by the server of the third party authentication mechanism; the server of the third party authentication mechanism sends the first private key and the first public key encrypted by the server of the third party authentication mechanism to the second server according to the second server ID; the second server decrypts the encrypted first private key and the first public key through a preset public key to obtain the first private key and the first public key; the preset public key is a preset public key of a server of the third party certification authority.
6. The system of claim 1, wherein the first server is further configured to generate the dynamically changing credit score based on a payment record of the user and a credit record of the customer; the method is particularly used for:
generating a first credit score based on the number of payments and the total amount;
generating a second credit score based on the credit record of the user at the bank;
the credit score is obtained as a function of the user's payment record change and the credit record change based on a weighted summation of the first credit score and the second credit score.
7. The system according to claim 2, wherein the first server determines that the fueling request message is an abnormal fueling request message and generates an abnormality notification message when a difference value of the first position information, the second position information, and/or the third position information is not within a preset range; and sending the abnormality notification message to the user terminal.
8. The system of claim 1, wherein the first server is further configured to determine, according to a time-series anomaly detection algorithm, a number of oil and a time when the anomaly fuel consumption exists, specifically configured to:
taking the time sequence of the oil number in the time sequence as a sample set to obtain the time median and the time absolute median of the sample set; calculating a single abnormal point based on the time median and the time absolute median until all abnormal points are calculated, so as to determine oil numbers and time corresponding to the abnormal points;
or after sequencing all the oil consumption amounts, finding out the median of the oil consumption amount and the absolute median of the oil consumption amount; and calculating each abnormal point based on the median of the oil consumption and the absolute median of the oil consumption so as to determine the oil number and time corresponding to each abnormal point.
9. The system of claim 1, wherein the first server is further configured to predict, based on the time sequence of each oil number and the historical time sequence of the oil numbers, a predicted time sequence of each oil number; and sending the prediction result in the prediction time sequence to the management terminal so that the management terminal can configure the reserves of the oil numbers according to the prediction result.
10. The system of claim 2, wherein the first server generates a second confirmation message when there is no pre-fueling order information to be paid, and sends the second confirmation message to a fueling module; the second acknowledgement message includes an oil gun ID;
and the oiling module is used for oiling according to the oil gun ID and preset oiling data, and sending oiling order information to be paid to the first server after oiling is completed.
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