WO2018218551A1 - Fare payment method - Google Patents

Fare payment method Download PDF

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Publication number
WO2018218551A1
WO2018218551A1 PCT/CN2017/086740 CN2017086740W WO2018218551A1 WO 2018218551 A1 WO2018218551 A1 WO 2018218551A1 CN 2017086740 W CN2017086740 W CN 2017086740W WO 2018218551 A1 WO2018218551 A1 WO 2018218551A1
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WIPO (PCT)
Prior art keywords
fingerprint
server
vehicle
financial card
fare
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PCT/CN2017/086740
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French (fr)
Chinese (zh)
Inventor
陈雅芳
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深圳市永恒丰科技有限公司
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Application filed by 深圳市永恒丰科技有限公司 filed Critical 深圳市永恒丰科技有限公司
Priority to PCT/CN2017/086740 priority Critical patent/WO2018218551A1/en
Publication of WO2018218551A1 publication Critical patent/WO2018218551A1/en

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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
    • G06Q20/38—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

Definitions

  • the present invention relates to the field of communication technologies, and in particular, to a method for implementing payment of a fare.
  • Current taxi fare payment methods include: financial card payment, cash payment, and payment software installed through a smartphone.
  • the main purpose of the present invention is to solve the problem that the user who does not carry the relevant financial card, cash and smart phone in the prior art cannot pay the fare through the financial card, the cash payment, or the payment software payment method of the smart phone, thereby causing the payment of the fare.
  • the present invention provides a method for implementing fare payment, and the method for implementing the fare payment includes:
  • the vehicle terminal After calculating and displaying the fare amount, the vehicle terminal generates and plays a fingerprint image shooting prompt information;
  • the server searches for a financial card number that establishes a binding relationship with the fingerprint image in a pre-established fingerprint image_financial card number binding relationship, and sends one of the found financial card numbers to the vehicle-mounted terminal;
  • the vehicle-mounted terminal displays the received financial card number, and reports the charged account number and the fare amount to the server;
  • the server sends a fingerprint password acquisition instruction to the vehicle terminal according to the received charging account number and the fare amount;
  • the vehicle-mounted terminal generates and plays the fingerprint password input prompt information according to the fingerprint password acquisition instruction
  • the server determines whether the fingerprint password input by the user matches the fingerprint image
  • the amount of the fare is transferred from the account corresponding to the financial card number sent to the in-vehicle terminal to the account corresponding to the charging account.
  • the method for realizing the fare payment provided by the present invention, after the vehicle terminal calculates and displays the fare amount, generates and plays the fingerprint image shooting prompt information; acquires the fingerprint image of the user, and reports the fingerprint image to the server;
  • the server searches for a financial card number that establishes a binding relationship with the fingerprint image in a pre-established fingerprint image_financial card number binding relationship, and sends one of the found financial card numbers to the vehicle-mounted terminal;
  • the vehicle terminal displays the received financial card number, and reports the own charging account number and the fare amount to the server; the server sends the fingerprint password to the vehicle terminal according to the received charging account and the fare amount.
  • the vehicle terminal generates and plays the fingerprint password input prompt information according to the fingerprint password acquisition instruction; receives the fingerprint password input by the user, and reports the fingerprint password input by the user to the server; the server determines whether the fingerprint password input by the user is The fingerprint image is matched; if the fingerprint password and the fingerprint image In the case of matching, the amount of the fare is transferred from the account corresponding to the financial card number issued to the in-vehicle terminal to the account corresponding to the charging account, and the user does not need to carry the financial card, cash, smart phone, and need not remember
  • the payment of the financial card number and the payment password for the payment can realize the payment of the fare, which brings great convenience to the user, and the user experience is good. At the same time, it can prevent others from stealing the consumption and ensure the safety of the user's property.
  • FIG. 1 is a schematic flow chart of an embodiment of a method for implementing fare payment according to the present invention.
  • FIG. 1 is a schematic flowchart diagram of an embodiment of a method for implementing fare payment according to the present invention.
  • the method for implementing the fare payment includes:
  • Step S10 After calculating and displaying the fare amount, the vehicle-mounted terminal generates and plays the fingerprint image shooting prompt information.
  • Step S20 Acquire a fingerprint image of the user, and report the fingerprint image to the server.
  • Step S30 The server searches for a financial card number that establishes a binding relationship with the fingerprint image in a pre-established fingerprint image_financial card number binding relationship, and sends one of the found financial card numbers to the vehicle terminal.
  • a fingerprint image may establish a binding relationship with one, two, or a plurality of financial card numbers.
  • Step S40 The vehicle-mounted terminal displays the received financial card number, and reports the charged account number and the fare amount to the server.
  • the passenger user to be paid can know the financial card used for the payment.
  • Step S50 The server sends a fingerprint password acquisition instruction to the vehicle-mounted terminal according to the received charging account number and the fare amount.
  • Step S60 The vehicle-mounted terminal generates and plays the fingerprint password input prompt information according to the fingerprint password acquisition instruction.
  • Step S70 Receive the fingerprint password input by the user, and report the fingerprint password input by the user to the server.
  • the vehicle-mounted terminal generates and displays a fingerprint password input box after playing the fingerprint password input prompt information, and the user can gently fit the corresponding finger finger to the fingerprint password input box. In the area, the input of the fingerprint password is implemented.
  • Step S80 The server determines whether the fingerprint password input by the user matches the fingerprint image.
  • the fingerprint corresponding to the fingerprint password and the fingerprint corresponding to the fingerprint image must be the same fingerprint.
  • Step S90 If the fingerprint password matches the fingerprint image, transfer the fare amount to the account corresponding to the financial account number that is sent to the vehicle terminal.
  • the user does not need to carry the financial card, the cash, the smart phone, and does not need to remember the financial card number and the payment password to be paid, so that the payment of the fare can be realized, and the user is brought Great convenience, good user experience, and prevent others from stealing consumption, ensuring the safety of user property.

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

Abstract

A fare payment method, comprising: displaying by a vehicle-mounted terminal a fingerprint shooting prompt after the vehicle-mounted terminal displays a fare amount (S10); acquiring a fingerprint image and reporting the fingerprint image to a server (S20); searching by the server a fingerprint image_financial card number binding relationship for financial card numbers corresponding to the fingerprint image and sending one of the found financial card numbers to the vehicle-mounted terminal (S30); displaying by the vehicle terminal the financial card number, and reporting a charging account number and the fare amount to the server (S40); sending by the server a fingerprint password acquisition instruction to the vehicle-mounted terminal on the basis of the charging account number and the fare amount (S50); displaying by the vehicle-mounted terminal a fingerprint password input prompt according to the acquisition instruction (S60); receiving a fingerprint password and reporting the fingerprint password to the server (S70); determining by the server whether the fingerprint password matches the fingerprint image (S80); and if yes, transferring the fare amount from an account corresponding to the financial card number to an account corresponding to the charging account number (S90). According to the method, users can complete fare payment without having to carry financial cards, cash, or smart phones, and without having to remember financial card numbers or payment passwords.

Description

车费支付的实现方法  How to implement fare payment
技术领域Technical field
本发明涉及通讯技术领域，尤其涉及一种车费支付的实现方法。The present invention relates to the field of communication technologies, and in particular, to a method for implementing payment of a fare.
背景技术Background technique
目前的出租车车费支付方式有：金融卡刷卡支付、现金支付、以及通过智能手机安装的支付软件支付。Current taxi fare payment methods include: financial card payment, cash payment, and payment software installed through a smartphone.
针对未携带相关金融卡、现金以及智能手机的用户，无法采用上述三种支付方式实现车费的支付，致使用户无法乘坐出租车。For users who do not carry relevant financial cards, cash and smart phones, the above three payment methods cannot be used to realize the payment of fares, so that users cannot take taxis.
发明内容Summary of the invention
本发明的主要目的在于解决现有技术中未携带相关金融卡、现金以及智能手机的用户，无法通过金融卡刷卡支付、现金支付、或通过智能手机的支付软件支付方式实现车费的支付，致使用户无法乘坐出租车的技术问题。The main purpose of the present invention is to solve the problem that the user who does not carry the relevant financial card, cash and smart phone in the prior art cannot pay the fare through the financial card, the cash payment, or the payment software payment method of the smart phone, thereby causing the payment of the fare. The technical problem that users cannot take a taxi.
为实现上述目的，本发明提供的一种车费支付的实现方法，所述车费支付的实现方法包括：To achieve the above object, the present invention provides a method for implementing fare payment, and the method for implementing the fare payment includes:
车载终端在计算并显示车费金额之后，生成并播放指纹图像拍摄提示信息；After calculating and displaying the fare amount, the vehicle terminal generates and plays a fingerprint image shooting prompt information;
获取用户的指纹图像，将所述指纹图像上报给服务器；Obtaining a fingerprint image of the user, and reporting the fingerprint image to the server;
所述服务器在预先建立的指纹图像_金融***码绑定关系中查找与所述指纹图像建立绑定关系的金融***码，将所查找到的金融***码其中之一下发给所述车载终端；The server searches for a financial card number that establishes a binding relationship with the fingerprint image in a pre-established fingerprint image_financial card number binding relationship, and sends one of the found financial card numbers to the vehicle-mounted terminal;
所述车载终端对所接收的金融***码进行显示，并将自身的收费账号、所述车费金额上报至服务器；The vehicle-mounted terminal displays the received financial card number, and reports the charged account number and the fare amount to the server;
所述服务器依据所接收的收费账号、车费金额，向车载终端下发指纹密码获取指令；The server sends a fingerprint password acquisition instruction to the vehicle terminal according to the received charging account number and the fare amount;
所述车载终端根据所述指纹密码获取指令，生成并播放指纹密码输入提示信息；The vehicle-mounted terminal generates and plays the fingerprint password input prompt information according to the fingerprint password acquisition instruction;
接收用户输入的指纹密码，将用户输入的指纹密码上报服务器；Receiving the fingerprint password input by the user, and reporting the fingerprint password input by the user to the server;
所述服务器判断用户输入的指纹密码是否与所述指纹图像匹配；The server determines whether the fingerprint password input by the user matches the fingerprint image;
若所述指纹密码与所述指纹图像匹配，则将所述车费金额由下发给车载终端的所述金融***码对应的账户转入所述收费账号对应的账户。If the fingerprint password matches the fingerprint image, the amount of the fare is transferred from the account corresponding to the financial card number sent to the in-vehicle terminal to the account corresponding to the charging account.
本发明所提供的车费支付的实现方法，通过车载终端在计算并显示车费金额之后，生成并播放指纹图像拍摄提示信息；获取用户的指纹图像，将所述指纹图像上报给服务器；所述服务器在预先建立的指纹图像_金融***码绑定关系中查找与所述指纹图像建立绑定关系的金融***码，将所查找到的金融***码其中之一下发给所述车载终端；所述车载终端对所接收的金融***码进行显示，并将自身的收费账号、所述车费金额上报至服务器；所述服务器依据所接收的收费账号、车费金额，向车载终端下发指纹密码获取指令；所述车载终端根据所述指纹密码获取指令，生成并播放指纹密码输入提示信息；接收用户输入的指纹密码，将用户输入的指纹密码上报服务器；所述服务器判断用户输入的指纹密码是否与所述指纹图像匹配；若所述指纹密码与所述指纹图像匹配，则将所述车费金额由下发给车载终端的所述金融***码对应的账户转入所述收费账号对应的账户的方式，用户无需携带金融卡、现金、智能手机，无需记住待付款的金融***码以及付款密码，便可实现车费的支付，给用户带来了极大的便利，用户体验效果好，同时还能防止他人盗用消费，确保了用户财产安全。The method for realizing the fare payment provided by the present invention, after the vehicle terminal calculates and displays the fare amount, generates and plays the fingerprint image shooting prompt information; acquires the fingerprint image of the user, and reports the fingerprint image to the server; The server searches for a financial card number that establishes a binding relationship with the fingerprint image in a pre-established fingerprint image_financial card number binding relationship, and sends one of the found financial card numbers to the vehicle-mounted terminal; The vehicle terminal displays the received financial card number, and reports the own charging account number and the fare amount to the server; the server sends the fingerprint password to the vehicle terminal according to the received charging account and the fare amount. The vehicle terminal generates and plays the fingerprint password input prompt information according to the fingerprint password acquisition instruction; receives the fingerprint password input by the user, and reports the fingerprint password input by the user to the server; the server determines whether the fingerprint password input by the user is The fingerprint image is matched; if the fingerprint password and the fingerprint image In the case of matching, the amount of the fare is transferred from the account corresponding to the financial card number issued to the in-vehicle terminal to the account corresponding to the charging account, and the user does not need to carry the financial card, cash, smart phone, and need not remember The payment of the financial card number and the payment password for the payment can realize the payment of the fare, which brings great convenience to the user, and the user experience is good. At the same time, it can prevent others from stealing the consumption and ensure the safety of the user's property.
附图说明DRAWINGS
图1为本发明的车费支付的实现方法一实施例的流程示意图。FIG. 1 is a schematic flow chart of an embodiment of a method for implementing fare payment according to the present invention.
本发明目的的实现、功能特点及优点将结合实施例，参照附图做进一步说明。The implementation, functional features, and advantages of the present invention will be further described in conjunction with the embodiments.
具体实施方式detailed description
以下结合说明书附图对本发明的优选实施例进行说明，应当理解，此处所描述的优选实施例仅用于说明和解释本发明，并不用于限定本发明，并且在不冲突的情况下，本发明中的实施例及实施例中的特征可以相互组合。The preferred embodiments of the present invention are described in conjunction with the accompanying drawings, and the preferred embodiments described herein are intended to illustrate and explain the invention, and not to limit the invention, and The embodiments and the features in the embodiments can be combined with each other.
本发明提供一种车费支付的实现方法。参照图1，图1为本发明的车费支付的实现方法一实施例的流程示意图。在一实施例中，所述车费支付的实现方法包括：The invention provides a method for realizing payment of a fare. Referring to FIG. 1, FIG. 1 is a schematic flowchart diagram of an embodiment of a method for implementing fare payment according to the present invention. In an embodiment, the method for implementing the fare payment includes:
步骤S10：车载终端在计算并显示车费金额之后，生成并播放指纹图像拍摄提示信息。Step S10: After calculating and displaying the fare amount, the vehicle-mounted terminal generates and plays the fingerprint image shooting prompt information.
步骤S20：获取用户的指纹图像，将所述指纹图像上报给服务器。Step S20: Acquire a fingerprint image of the user, and report the fingerprint image to the server.
步骤S30：所述服务器在预先建立的指纹图像_金融***码绑定关系中查找与所述指纹图像建立绑定关系的金融***码，将所查找到的金融***码其中之一下发给所述车载终端。Step S30: The server searches for a financial card number that establishes a binding relationship with the fingerprint image in a pre-established fingerprint image_financial card number binding relationship, and sends one of the found financial card numbers to the vehicle terminal.
本实施例中一个指纹图像可以与一个、两个、或多个金融***码建立绑定关系。 In this embodiment, a fingerprint image may establish a binding relationship with one, two, or a plurality of financial card numbers.
步骤S40：所述车载终端对所接收的金融***码进行显示，并将自身的收费账号、所述车费金额上报至服务器。Step S40: The vehicle-mounted terminal displays the received financial card number, and reports the charged account number and the fare amount to the server.
本实施例中车载终端对所接收的金融***码进行显示后，待付款的乘客用户便可知晓本次付款所使用的金融卡。In the embodiment, after the vehicle-mounted terminal displays the received financial card number, the passenger user to be paid can know the financial card used for the payment.
步骤S50：所述服务器依据所接收的收费账号、车费金额，向车载终端下发指纹密码获取指令。Step S50: The server sends a fingerprint password acquisition instruction to the vehicle-mounted terminal according to the received charging account number and the fare amount.
步骤S60：所述车载终端根据所述指纹密码获取指令，生成并播放指纹密码输入提示信息。Step S60: The vehicle-mounted terminal generates and plays the fingerprint password input prompt information according to the fingerprint password acquisition instruction.
步骤S70：接收用户输入的指纹密码，将用户输入的指纹密码上报服务器。Step S70: Receive the fingerprint password input by the user, and report the fingerprint password input by the user to the server.
本实施例中所述车载终端在播放指纹密码输入提示信息之后，还会生成并显示指纹密码输入框，此时用户便可将相应的手指指腹轻轻贴合在所述指纹密码输入框所在区域内，实现指纹密码的输入。In the embodiment, the vehicle-mounted terminal generates and displays a fingerprint password input box after playing the fingerprint password input prompt information, and the user can gently fit the corresponding finger finger to the fingerprint password input box. In the area, the input of the fingerprint password is implemented.
步骤S80：所述服务器判断用户输入的指纹密码是否与所述指纹图像匹配。Step S80: The server determines whether the fingerprint password input by the user matches the fingerprint image.
本实施例中所述指纹密码所对应的指纹与所述指纹图像对应的指纹必须为同一指纹。In this embodiment, the fingerprint corresponding to the fingerprint password and the fingerprint corresponding to the fingerprint image must be the same fingerprint.
步骤S90：若所述指纹密码与所述指纹图像匹配，则将所述车费金额由下发给车载终端的所述金融***码对应的账户转入所述收费账号对应的账户。Step S90: If the fingerprint password matches the fingerprint image, transfer the fare amount to the account corresponding to the financial account number that is sent to the vehicle terminal.
本实施例通过在所述指纹密码与所述指纹图像匹配成功的情况下执行后续转账操作的方式，能够防止他人盗用金融卡消费，确保了用户的财产安全。In this embodiment, by performing a subsequent transfer operation in a case where the fingerprint password and the fingerprint image are successfully matched, it is possible to prevent others from stealing the financial card consumption and ensure the security of the user's property.
上述实施例所提供的车费支付的实现方法，用户无需携带金融卡、现金、智能手机，无需记住待付款的金融***码以及付款密码，便可实现车费的支付，给用户带来了极大的便利，用户体验效果好，同时还能防止他人盗用消费，确保了用户财产安全。In the implementation method of the fare payment provided by the above embodiment, the user does not need to carry the financial card, the cash, the smart phone, and does not need to remember the financial card number and the payment password to be paid, so that the payment of the fare can be realized, and the user is brought Great convenience, good user experience, and prevent others from stealing consumption, ensuring the safety of user property.
以上仅为本发明的优选实施例，并非因此限制本发明的专利范围，凡是利用本发明说明书及附图内容所作的等效结构或等效流程变换，或直接或间接运用在其他相关的技术领域，均同理包括在本发明的专利保护范围内。The above are only the preferred embodiments of the present invention, and are not intended to limit the scope of the invention, and the equivalent structure or equivalent process transformations made by the description of the present invention and the drawings are directly or indirectly applied to other related technical fields. The same is included in the scope of patent protection of the present invention.

Claims (1)

  1. 一种车费支付的实现方法，其特征在于，所述车费支付的实现方法包括： A method for realizing payment of a fare, characterized in that the method for realizing the payment of the fare includes:
    车载终端在计算并显示车费金额之后，生成并播放指纹图像拍摄提示信息；After calculating and displaying the fare amount, the vehicle terminal generates and plays a fingerprint image shooting prompt information;
    获取用户的指纹图像，将所述指纹图像上报给服务器；Obtaining a fingerprint image of the user, and reporting the fingerprint image to the server;
    所述服务器在预先建立的指纹图像_金融***码绑定关系中查找与所述指纹图像建立绑定关系的金融***码，将所查找到的金融***码其中之一下发给所述车载终端；The server searches for a financial card number that establishes a binding relationship with the fingerprint image in a pre-established fingerprint image_financial card number binding relationship, and sends one of the found financial card numbers to the vehicle-mounted terminal;
    所述车载终端对所接收的金融***码进行显示，并将自身的收费账号、所述车费金额上报至服务器；The vehicle-mounted terminal displays the received financial card number, and reports the charged account number and the fare amount to the server;
    所述服务器依据所接收的收费账号、车费金额，向车载终端下发指纹密码获取指令；The server sends a fingerprint password acquisition instruction to the vehicle terminal according to the received charging account number and the fare amount;
    所述车载终端根据所述指纹密码获取指令，生成并播放指纹密码输入提示信息；The vehicle-mounted terminal generates and plays the fingerprint password input prompt information according to the fingerprint password acquisition instruction;
    接收用户输入的指纹密码，将用户输入的指纹密码上报服务器；Receiving the fingerprint password input by the user, and reporting the fingerprint password input by the user to the server;
    所述服务器判断用户输入的指纹密码是否与所述指纹图像匹配；The server determines whether the fingerprint password input by the user matches the fingerprint image;
    若所述指纹密码与所述指纹图像匹配，则将所述车费金额由下发给车载终端的所述金融***码对应的账户转入所述收费账号对应的账户。If the fingerprint password matches the fingerprint image, the amount of the fare is transferred from the account corresponding to the financial card number sent to the in-vehicle terminal to the account corresponding to the charging account.
PCT/CN2017/086740 2017-05-31 2017-05-31 Fare payment method WO2018218551A1 (en)

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