WO2022017180A1 - 支付方法、支付***及业务*** - Google Patents

支付方法、支付***及业务*** Download PDF

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Publication number
WO2022017180A1
WO2022017180A1 PCT/CN2021/104886 CN2021104886W WO2022017180A1 WO 2022017180 A1 WO2022017180 A1 WO 2022017180A1 CN 2021104886 W CN2021104886 W CN 2021104886W WO 2022017180 A1 WO2022017180 A1 WO 2022017180A1
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WO
WIPO (PCT)
Prior art keywords
payment
identification
information
target vehicle
target
Prior art date
Application number
PCT/CN2021/104886
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English (en)
French (fr)
Inventor
方正业
詹晓
王文虎
Original Assignee
支付宝(杭州)信息技术有限公司
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Publication of WO2022017180A1 publication Critical patent/WO2022017180A1/zh

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Classifications

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    • G07—CHECKING-DEVICES
    • G07B—TICKET-ISSUING APPARATUS; FARE-REGISTERING APPARATUS; FRANKING APPARATUS
    • G07B15/00—Arrangements or apparatus for collecting fares, tolls or entrance fees at one or more control points
    • G07B15/06—Arrangements for road pricing or congestion charging of vehicles or vehicle users, e.g. automatic toll systems
    • G07B15/063—Arrangements for road pricing or congestion charging of vehicles or vehicle users, e.g. automatic toll systems using wireless information transmission between the vehicle and a fixed station
    • G—PHYSICS
    • G08—SIGNALLING
    • G08G—TRAFFIC CONTROL SYSTEMS
    • G08G1/00—Traffic control systems for road vehicles
    • G08G1/01—Detecting movement of traffic to be counted or controlled
    • G08G1/0104—Measuring and analyzing of parameters relative to traffic conditions
    • G08G1/0108—Measuring and analyzing of parameters relative to traffic conditions based on the source of data
    • G08G1/0116—Measuring and analyzing of parameters relative to traffic conditions based on the source of data from roadside infrastructure, e.g. beacons
    • 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
    • G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • G—PHYSICS
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    • 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
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    • G—PHYSICS
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    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/085—Payment architectures involving remote charge determination or related payment systems
    • 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
    • G06Q20/08—Payment architectures
    • G06Q20/14—Payment architectures specially adapted for billing systems
    • G06Q20/145—Payments according to the detected use or quantity
    • 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
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    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/20—Point-of-sale [POS] network systems
    • G06Q20/204—Point-of-sale [POS] network systems comprising interface for record bearing medium or carrier for electronic funds transfer or payment credit
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    • 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
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    • G06Q20/208—Input by product or record sensing, e.g. weighing or scanner processing
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    • 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
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    • 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
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    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F13/00—Coin-freed apparatus for controlling dispensing or fluids, semiliquids or granular material from reservoirs
    • G07F13/02—Coin-freed apparatus for controlling dispensing or fluids, semiliquids or granular material from reservoirs by volume
    • G07F13/025—Coin-freed apparatus for controlling dispensing or fluids, semiliquids or granular material from reservoirs by volume wherein the volume is determined during delivery
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07G—REGISTERING THE RECEIPT OF CASH, VALUABLES, OR TOKENS
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    • G07G1/0036—Checkout procedures
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07G—REGISTERING THE RECEIPT OF CASH, VALUABLES, OR TOKENS
    • G07G1/00—Cash registers
    • G07G1/0036—Checkout procedures
    • G07G1/0045—Checkout procedures with a code reader for reading of an identifying code of the article to be registered, e.g. barcode reader or radio-frequency identity [RFID] reader
    • G07G1/0054—Checkout procedures with a code reader for reading of an identifying code of the article to be registered, e.g. barcode reader or radio-frequency identity [RFID] reader with control of supplementary check-parameters, e.g. weight or number of articles
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07G—REGISTERING THE RECEIPT OF CASH, VALUABLES, OR TOKENS
    • G07G1/00—Cash registers
    • G07G1/12—Cash registers electronically operated
    • G07G1/14—Systems including one or more distant stations co-operating with a central processing unit
    • G—PHYSICS
    • G08—SIGNALLING
    • G08G—TRAFFIC CONTROL SYSTEMS
    • G08G1/00—Traffic control systems for road vehicles
    • G08G1/01—Detecting movement of traffic to be counted or controlled
    • G08G1/0104—Measuring and analyzing of parameters relative to traffic conditions
    • G08G1/0125—Traffic data processing
    • G08G1/0129—Traffic data processing for creating historical data or processing based on historical data
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    • G08G1/01—Detecting movement of traffic to be counted or controlled
    • G08G1/017—Detecting movement of traffic to be counted or controlled identifying vehicles
    • G—PHYSICS
    • G08—SIGNALLING
    • G08G—TRAFFIC CONTROL SYSTEMS
    • G08G1/00—Traffic control systems for road vehicles
    • G08G1/01—Detecting movement of traffic to be counted or controlled
    • G08G1/017—Detecting movement of traffic to be counted or controlled identifying vehicles
    • G08G1/0175—Detecting movement of traffic to be counted or controlled identifying vehicles by photographing vehicles, e.g. when violating traffic rules
    • G—PHYSICS
    • G08—SIGNALLING
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    • G08G1/00—Traffic control systems for road vehicles
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    • G—PHYSICS
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    • G06V2201/00—Indexing scheme relating to image or video recognition or understanding
    • G06V2201/08—Detecting or categorising vehicles

Definitions

  • the present application relates to the field of information technology, in particular to payment methods, payment systems and business systems.
  • Existing gas payment methods usually include: cash payment or gas card payment in the front hall, and QR code payment or POS payment in the back hall.
  • the present application discloses a payment method, comprising, through at least one processor of the payment system: receiving the first identification data of the target vehicle from the roadside unit in the ETC system, wherein , and the first identification data includes the identification information of the target vehicle; receives transaction data from a fuel dispenser, and the transaction data includes the charge information for the fuel dispenser to refuel the target vehicle; obtains the charge as the charge identity information of the payer who makes the payment; and sending the identity information and the fee information to the target server.
  • the on-board unit of the ETC system is loaded on the target vehicle; when the target vehicle passes the roadside unit, the roadside unit: recognizes the unit identifier of the on-board unit, According to the identification of the vehicle-mounted unit, the identification information of the target vehicle is obtained, and the identification information is sent to the payment system.
  • the payment method further includes: receiving second identification data for the target vehicle from a second identification device, the second identification data including the identification information of the target vehicle; and Confirm that the identification information in the first identification data is the same as the identification information in the second identification data.
  • the second identification data includes a visual identification of the target vehicle.
  • the obtaining the identity information of the payer includes: confirming that the target vehicle is bound with a payment account according to the identification information of the target vehicle; and obtaining the same identification information according to the identification information The payment account information bound to the target vehicle.
  • the acquiring the identity information of the payer includes: confirming that the target vehicle is not bound to a payment account according to the identification information of the target vehicle; and scanning a user of the target vehicle The biometric data is obtained, and the identity information of the user is obtained, wherein the identity information includes the biometric data.
  • the payment method further includes: loading a target page, where the target page includes a target icon, wherein triggering the target icon activates the process of opening the target payment service by the user.
  • the biometric information includes: one or more of the user's facial feature data, iris feature data, fingerprint feature data, voice feature data, and the like.
  • the acquiring the identity information of the payer includes: confirming that the target vehicle is not bound to a payment account according to the identification information of the target vehicle; loading a target page, the target page indicating The user of the target vehicle activates the target payment service with his terminal device; and in response to the activation of the target payment service by the user, the user's payment account information is obtained from the target server.
  • the present application also discloses a payment system, comprising: at least one memory including at least one set of instructions; and at least one processor in communication connection with the at least one memory, when the at least one processor runs the at least one When the instruction set is set, the at least one processor executes the payment method described in this application.
  • the present application also discloses a business system, comprising: a roadside unit of the ETC system, identifying identification information of a target vehicle; a refueling machine, refueling the target vehicle, and generating refueling fee information; a payment system, receiving information from the target vehicle identification information of the roadside unit and charge information from the fuel dispenser; and a target server, which transfers the charge from the account bound with the identification information to the target account according to the identification information and the charge information.
  • the on-board unit of the ETC system is loaded on the target vehicle; when the target vehicle passes the roadside unit, the roadside unit: recognizes the unit identifier of the on-board unit, According to the identification of the vehicle-mounted unit, the identification information of the target vehicle is obtained, and the identification information is sent to the payment system.
  • the business system further includes a second identification device, the second identification device includes an image identification device, the second identification device identifies identification information of the target vehicle and sends the identification information to the payment system.
  • the business system described in this application adopts the identification system of the ETC system to obtain the identity of the vehicle.
  • the acquired vehicle identity is more accurate and reliable; on the other hand, rich vehicle attribute information can be obtained through the ETC system.
  • the business system described in this application does not use the clearing and settlement system of the ETC system for settlement, but uses a third-party payment platform for settlement, which improves the payment speed, enables instant payment, improves the convenience of payment, and expands the business. system application scenarios.
  • the business system described in this application is connected to a fuel dispenser with a payment device that can support face verification.
  • the payment device can be a standardized payment device, and can perform data transmission with the RSU and the camera, obtain the license plate number through the RSU and the camera, and then obtain the payment account bound with the license plate number.
  • the payment device only needs to obtain the bill amount from the fuel dispenser to generate complete bill information (license plate number, bill amount, payment account number, etc.), eliminating the need to replace and upgrade the fuel dispenser, and can be widely promoted.
  • the payment method described in this application guides users to re-sign the payment withholding agreement with the third-party payment platform, separates ETC identification and ETC payment, abandons the ETC high-speed clearing and settlement system, and re-signs a third-party electronic payment system with extremely high timeliness. payment method.
  • the gas station has improved the payment efficiency. Users who use electronic payment no longer need to go to the back hall to pay, and they can obtain accurate vehicle information through ETC, and they can establish a complete user file to facilitate the expansion of value-added services such as members.
  • FIG. 1 shows a schematic diagram of an application scenario of a payment method provided according to an embodiment of the present application
  • FIG. 2 shows a schematic diagram of the hardware structure of a payment system provided according to an embodiment of the present application
  • FIG. 3 shows a flowchart of a payment method provided according to an embodiment of the present application
  • FIG. 4A shows a schematic diagram of a license plate confirmation page provided according to an embodiment of the present application
  • FIG. 4B shows a schematic diagram of a fuel bill page provided according to an embodiment of the present application.
  • 4C shows a schematic diagram of a payment page provided according to an embodiment of the present application.
  • FIG. 4D shows a schematic diagram of a guide page provided according to an embodiment of the present application.
  • FIG. 4E shows a schematic diagram of a payment and contract page provided according to an embodiment of the present application.
  • 4F shows a schematic diagram of another payment and contract page provided according to an embodiment of the present application.
  • FIG. 5 shows a schematic structural diagram of a service system provided according to an embodiment of the present application.
  • FIG. 6 shows a schematic process diagram of a payment method provided according to an embodiment of the present application.
  • ETC Electronic Toll Collection
  • ETC Electronic Toll Collection
  • the ETC system is a system composed of multiple subsystems.
  • the ETC system can include the ETC issuance system (issuer), the ETC blacklist system, the ETC accounting system (expressway owners and operating companies), the ETC clearing and settlement system, the ETC vehicle automatic identification system, and the central management system.
  • the ETC automatic vehicle identification system can be composed of an on-board unit (On Board Unit, hereinafter referred to as OBU), a roadside unit (Road side unit, hereinafter referred to as RSU), a loop sensor, and the like.
  • OBU On Board Unit
  • RSU roadside unit
  • the identification information of the vehicle is stored in the OBU, which is generally installed on the windshield in front of the vehicle; the RSU is installed next to the toll booth; the loop sensor is installed under the road surface.
  • the central management system has a large database that stores a large number of registered vehicles and users' information.
  • the loop sensor senses the vehicle, the RSU sends an inquiry signal, the OBU responds, and the RSU and OBU conduct two-way communication and data exchange.
  • the central management system obtains vehicle identification information, such as car ID number, model and other information, and compares and judges the corresponding information in the database, and controls the management system to produce different actions according to different situations, such as controlling the clearing and settlement system from the car's prepayment account. Deduct the toll that should be paid this time, or send instructions to other auxiliary facilities to work.
  • the working principle of the ETC system is as follows: through the dedicated short-range communication between the OBU installed on the windshield of the vehicle and the RSU on the ETC lane of the toll station, the computer networking technology is used to carry out background settlement processing with the bank, so that the vehicle can pass the high-speed A highway or bridge toll station is used for the purpose of paying highway or bridge tolls without stopping.
  • ETC has covered 200 million car owners, of which OBU is a national unified standard on-board electronic label, which contains a wealth of vehicle and car owner data, with extremely high commercial value.
  • the high-speed bill In the high-speed scenario, after the vehicle OBU is identified by the RSU, due to the weak clearing and settlement capabilities of the ETC itself, the high-speed bill generally takes about T+3 days to complete the deduction.
  • the ETC charging in the high-speed scenario is a mode of first passing and then deducting the toll. In high-speed scenarios, if the deduction fails, the bank will block users and vehicles to make them impassable.
  • this application provides a refueling payment scheme using ETC: RSU is laid in the gas station; the RSU identifies the vehicle OBU; the clearing and settlement system of the high-speed scene is used; Sign a withholding agreement for the refueling scene, and automatically deduct the fee from the bank card bound to the ETC after the refueling is successful.
  • the above refueling payment scheme First, the gas station cannot confirm the deduction result when the vehicle leaves the venue. And the unit price of refueling is higher. In the event of bad debts, the risk of capital loss at the gas station is high. That is, the above-mentioned refueling payment scheme cannot realize real-time bill settlement and pay first and then leave. Secondly, the withholding money usually arrives on the T+3 day. Except for the gas station owned by the ETC issuer, other gas stations usually cannot accept the long account period of T+3 day.
  • ETC payment timeliness does not meet the business needs of commercial scenarios
  • ETC is currently only widely used in high-speed toll scenarios and bridge toll scenarios, and has not been extended to other car owner service scenarios with strong commercial attributes.
  • FIG. 1 shows a schematic diagram of an application scenario of a payment method provided according to an embodiment of the present application.
  • the on-board unit 420 (On board Unit, OBU for short) is an important part of the ETC system.
  • the onboard unit 420 is typically installed inside the front windshield of the vehicle 20 .
  • the on-board unit 420 may be an electronic tag.
  • the electronic tag is a monolithic electronic tag.
  • the single-chip electronic tag includes an integrated circuit chip storing vehicle attributes (identification codes, etc.) and a small microwave transmitter.
  • the attribute data of the vehicle stored in the integrated circuit chip can only be written once and cannot be changed.
  • the electronic tag is a two-piece electronic tag.
  • the two-piece electronic label may include an IC card and a vehicle-mounted microwave transceiver.
  • the IC card may include a micro CPU.
  • the micro CPU has certain capabilities of computing, processing and storing data.
  • the IC card can be used not only as an electronic label, but also as a credit card and a financial card.
  • the roadside unit 410 communicates bidirectionally with the vehicle-mounted microwave transceiver using the DSRC technology, and acquires the vehicle attribute data.
  • the on-board unit 420 may use the DSRC technology to establish a microwave communication link with the roadside unit 410 .
  • the roadside unit 410 and the vehicle-mounted unit 420 can perform bidirectional communication and acquire vehicle attribute data stored in the vehicle-mounted unit 420 .
  • the Road Side Unit 410 (Road Side Unit, RSU for short) is an important part of the ETC system.
  • the roadside unit 410 is installed on the roadside.
  • the roadside unit 410 is generally installed at a height of 5.5m directly above the ETC lane.
  • the roadside unit 410 uses DSRC technology to communicate with the onboard unit 420 installed on the vehicle 20 .
  • the roadside unit 410 identifies the identity of the vehicle 20 by communicating with the onboard unit 420 .
  • the roadside unit 410 generally includes a roadside antenna and a radio frequency controller.
  • the roadside antenna may be a high-gain directional beam-steered read-write antenna.
  • the roadside antenna may be a microwave transceiver module, responsible for signal and data transmission/reception, modulation/demodulation, encoding/decoding, encryption/decryption, and the like.
  • the radio frequency controller may be a module that controls transmitting and receiving data and processes information sent and received to the upper computer.
  • the fuel dispenser 500 is a fuel delivery metering device that directly fuels the vehicle 20 .
  • the oil tanker 500 forms a complete oil supply system with oil tanks, pipelines, pipe fittings and valves.
  • the oil dispenser 500 may be composed of an oil pump, an oil-gas separator, a meter, a counter, an electric motor, an oil gun, and the like.
  • the fuel dispenser 500 may fill the vehicle 20 with fuel through the fuel gun.
  • the fuel dispenser 500 may also obtain the current fuel amount and/or fuel cost through the meter and the counter.
  • the fuel dispenser 500 may send the current fuel volume and/or cost to the payment system 100 .
  • the camera 300 can acquire the license plate information of the vehicle 20 and send the license plate information to the payment system 100 .
  • the payment system 100 may match the identity information of the vehicle 20 received from the roadside unit 410 to confirm the identity of the vehicle 20 .
  • the payment system 100 can assist the gas station in the charging work.
  • Payment system 100 may include a payment facility.
  • the payment instrument may be a face recognition device.
  • the payment system 100 may also include a merchant's checkout center connected to the payment facility.
  • the function of the payment system 100 is described by taking a payment instrument as an example.
  • the payment system 100 may be connected to the fuel dispenser 500 . Payment system 100 may receive fee information from fuel dispenser 500 regarding the refueling. The payment system 100 is connected to the roadside unit 410 . Payment system 100 may receive identification information about vehicle 20 from roadside unit 410 . In some embodiments, payment system 100 may request server 30 to transfer a target amount of transaction fees from the payer's account to the merchant account.
  • FIG. 2 shows a schematic diagram of the hardware structure of a payment system 100 provided according to an embodiment of the present application.
  • Payment system 100 includes at least one memory 230 and at least one processor 220 .
  • payment system 100 may also include communication port 250 and internal communication bus 210 .
  • the payment system 100 may further include an I/O component 260 .
  • Internal communication bus 210 may connect various system components, including memory 230 and processor 220 .
  • I/O component 260 supports input/output between payment system 100 and other components (eg, terminal device 10).
  • Memory 230 may include data storage.
  • the data storage device may be a non-transitory storage medium or a temporary storage medium.
  • the data storage device may include one or more of disk 232 , read only memory (ROM) 234 , or random access memory (RAM) 236 .
  • Memory 230 also includes at least one set of instructions stored in the data storage device.
  • the instructions are computer program code, which may include programs, routines, objects, components, data structures, procedures, modules, etc. that perform the methods of pushing information provided herein.
  • the communication port 250 is used for data communication between the payment system 100 and the outside world.
  • At least one processor 220 communicates with at least one memory 230 via an internal communication bus 210 .
  • the at least one processor 220 is configured to execute the above-mentioned at least one instruction set.
  • the payment system 100 implements the payment method provided by this application.
  • the processor 220 can execute all the steps included in the payment method.
  • Processor 220 may be in the form of one or more processors, and in some embodiments, processor 220 may include one or more hardware processors, such as microcontrollers, microprocessors, reduced instruction set computers (RISC), Application-Specific Integrated Circuits (ASICs), Application-Specific Instruction Set Processors (ASIPs), Central Processing Units (CPUs), Graphics Processing Units (GPUs), Physical Processing Units (PPUs), Microcontroller Units, Digital Signal Processors ( DSP), Field Programmable Gate Array (FPGA), Advanced RISC Machine (ARM), Programmable Logic Device (PLD), any circuit or processor capable of performing one or more functions, etc., or any combination thereof.
  • RISC reduced instruction set computers
  • ASICs Application-Specific Integrated Circuits
  • ASIPs Application-Specific Instruction Set Processors
  • CPUs Central Processing Units
  • GPUs Graphics Processing Units
  • PPUs Physical Processing Units
  • Microcontroller Units Digital Signal Processors
  • DSP Field Programmable Gate
  • processor 220 For illustrative purposes only, only one processor 220 is described in the payment system 100 in this application. However, it should be noted that the payment system 100 in this application may also include multiple processors, and therefore, the operations and/or method steps disclosed in this application may be performed by one processor as described in this application, or may be performed by multiple processors The processors execute jointly. For example, if in the present application the processor 220 of the payment system 100 performs steps A and B, it should be understood that steps A and B may also be performed jointly or separately by two different processors 220 (eg, the first processor Step A is performed, and the second processor performs step B, or the first and second processors jointly perform steps A and B).
  • the server 30 may be a server of a third-party payment platform.
  • the third-party payment platform can provide payment solutions for users and gas stations. Users and merchants have digital resource accounts on the server 30 .
  • the server 30 may receive an instruction from the user's terminal device 10 or the payment system 100, and transfer the target amount of digital resources between the user's account and the merchant's account according to the instruction.
  • the server 30 may receive and process the subscription request from the payment system 100 or the terminal device 10 . According to the content of the contract, the server 30 may bind the payment account of the target user with the identification of the target vehicle. As an example, the identification of the target vehicle may be its license plate number.
  • FIG. 3 shows a flowchart of a payment method S100 provided according to an embodiment of the present application.
  • Part of the steps of the process S100 may be stored in a non-transitory storage medium (such as the memory 230 ) in the payment system 100 as at least one instruction set.
  • at least one processor 220 is communicatively connected to the at least one non-transitory storage medium, wherein when the payment system 100 is running, the at least one processor 220 reads the at least one instruction set and, according to the at least one instruction set is instructed to execute some steps in the flow S100.
  • the roadside unit 410 identifies the unit identifier of the vehicle-mounted unit 420 .
  • the roadside unit 410 obtains the identification information of the vehicle 20 .
  • the loop sensor buried in the ground will reflect it, and the read/write antenna in the roadside unit 410 will be activated.
  • the read-write antenna communicates with the vehicle-mounted unit 420 by means of microwave information exchange, and reads the vehicle attribute information in the vehicle-mounted unit 420 .
  • the vehicle attribute information in the in-vehicle unit 420 includes the identification and model code of the vehicle 20 and the like.
  • the roadside unit 410 after acquiring the information, the roadside unit 410 will also send the vehicle attribute information to a central management system; the central management system may perform validity judgment on the vehicle attribute information, such as judging Whether the current vehicle 20 is a normal vehicle, for example, to determine whether the current vehicle-mounted unit 420 is valid, the central management system may return the determination result to the roadside unit 410 .
  • the roadside unit 410 sends the identification information to the payment system 100 .
  • the payment system 100 receives the first identification data of the vehicle 20 from the roadside unit 410 of the ETC system.
  • the vehicle 20 may be equipped with an onboard unit 420 of the ETC system.
  • the first identification data may include the identification and model code of the vehicle 20 and the like.
  • the roadside unit 410 may send the identity information of the vehicle 20 to the payment system 100 .
  • the payment system 100 receives the second identification data of the vehicle 20 from the second identification device.
  • the second identification device may comprise an image identification device.
  • the image recognition device may include a camera 300 .
  • the second identification data includes a visual identification of the vehicle 20 .
  • the second identification data may include license plate information of the vehicle 20 .
  • the camera 300 may be laid above the fuel tanker 500 . After the vehicle 20 enters the gas station, the camera 300 can photograph the license plate information of the vehicle 20 and send the photographed license plate information to the payment system 100 . After obtaining the license plate information from the camera 300 , the payment system 100 can check the vehicle identity information from the roadside unit 410 according to the license plate information to confirm the identity of the vehicle 20 again.
  • the camera 300 may also photograph the stand of the fuel dispenser 500 where the vehicle 20 is located, and send the stand together with the license plate information of the vehicle 20 to the payment system 100 .
  • the payment system 100 confirms that the identification information in the first identification data is the same as the identification information in the second identification data.
  • the payment system 100 confirms that the license plate information of the vehicle 20 from the roadside unit 410 matches the license plate information of the vehicle 20 from the camera 300 . If the match is passed, the payment system 100 will determine that the transaction with the current vehicle 20 is possible. As an example, the transaction is a gas transaction.
  • the payment system 100 may Sounds an alert.
  • the payment system 100 may load a page containing license plate information through its display device.
  • the user can further confirm the license plate information through the page.
  • FIG. 4A shows a schematic diagram of a license plate confirmation page 910 provided according to an embodiment of the present application.
  • the fueler can click on the icon 911 on the page 910 to confirm that the license plate information is correct.
  • the payment system 100 may not load the license plate confirmation page.
  • the gas station staff refuels the vehicle 20 through the refueling machine 500 .
  • the payment system 100 receives the transaction data from the fuel dispenser 500 .
  • the transaction data includes the cost of fueling the vehicle 20 by the fuel dispenser 500 .
  • the payment system 100 determines that a transaction with the current vehicle 20 is possible.
  • the gas station staff may refuel the current vehicle 20 via the fuel dispenser 500 .
  • the refueling machine 500 calculates the fee for this refueling, and transmits the information of the fee to the payment system 100 .
  • the payment system 100 determines whether the identification information is bound with a payment account.
  • the payment system 100 acquires the license plate information of the current vehicle from the roadside unit 410 .
  • the payment system 100 first determines whether the current vehicle has signed an ETC withholding agreement, that is, whether the current vehicle has been bound with a payment account.
  • the payment system 100 may consult the server 30 of the third-party payment platform whether the current vehicle is bound with a payment account. For example, the payment system 100 may send the license plate information of the vehicle to the server 30, and the server 30 inquires whether there is a payment account bound to the license plate after acquiring the license plate information of the vehicle.
  • the payment system 100 obtains the identity information of the payer who pays the fee.
  • the payment system 100 loads the bill page.
  • the payment system 100 sends the identity information and the fee information to the server 30 .
  • the server 30 deducts the fee from the account corresponding to the identity information to the target account.
  • the target account may include a charging account for a gas station.
  • the payment system 100 confirms that there is a payment account bound to the current vehicle, the payment system 100 obtains the information of the payment account. In summary, the payment system 100 acquires payment account information and fuel cost information.
  • the payment system 100 may load a page containing the gas bill through its display device.
  • the user can further confirm the fuel bill through the page.
  • FIG. 4B shows a schematic diagram of a fuel bill page 920 provided according to an embodiment of the present application.
  • the refueling bill page 920 shows that the refueling fee is 300 yuan.
  • the payment system 100 generates an order according to the payment account information and the fee information, and the payment system 100 sends a deduction request to the server 30 according to the order.
  • the server 30 may directly transfer the target amount of digital resources from the payment account to the charging account of the gas station according to the charging request.
  • the server 30 may also push payment information to the terminal device 10 of the user.
  • the terminal device 10 may load a payment page according to the payment information.
  • the user can confirm payment or non-payment through the payment page loaded by the terminal device 10 to further ensure the security of payment.
  • FIG. 4C shows a schematic diagram of a payment page 520 provided according to an embodiment of the present application. The user clicks the payment confirmation icon 521 on the payment page 520, the terminal device 10 loads a payment password box, and the user enters a password through the payment password box to complete the payment.
  • the payment system 100 loads a guide page.
  • the payment system 100 can guide the user to activate ETC quick payment through a page loaded by its display device.
  • FIG. 4D shows a schematic diagram of a guide page 620 .
  • the guide page 620 may also display billing information.
  • An icon 621 may be included on the introductory page 620 .
  • Icon 621 may be a two-dimensional code.
  • the icon 621 is used to guide the user to use scan code payment and activate ETC quick payment.
  • the user can use his terminal device 10 to scan the icon 621 to further activate and activate the process of using the user's account on the payment platform A for ETC quick payment.
  • An icon 622 may be included on the introductory page 620 .
  • the icon 622 is used to guide the user to use face-swiping payment and enable ETC quick payment.
  • the biometric reading device may include, but is not limited to, a camera installed within the payment system 100, a fingerprint reader, and the like.
  • the payment system 100 acquires the biometric features of the user.
  • the payment system 100 finds a payment account number corresponding to the biological feature through the biological feature.
  • the payment system 100 binds the user's payment account and the vehicle identifier.
  • the payment system 100 reads the user's biometrics through the reading device.
  • the reading device may be a scanning device integrated within the payment system 100 .
  • the user uploads his biometrics to the payment system 100 through the reading device.
  • the payment system 100 acquires the user's biometrics through the reading device.
  • the biometrics may include, but are not limited to, the user's facial feature data, iris feature data, fingerprint feature data, voice feature data, and the like.
  • the function of the biological feature is described by taking the facial feature as an example.
  • the payment system 100 obtains a payment account number corresponding to the facial feature according to the acquired facial feature.
  • the payment system 100 may load a payment and sign-up page through its display device (such as a display of a payment apparatus) to guide the user to sign up for ETC quick payment.
  • FIG. 4E shows a schematic diagram of a payment and contract page 450 provided according to an embodiment of the present application. The user can click the icon 451 of agreeing and paying to activate the process of opening ETC quick payment.
  • Payment platform A binds the user's account on payment platform A with the license plate logo.
  • the payment system 100 can directly deduct the refueling fee from the user's payment account to the account of the gas station according to the already bound account number.
  • the terminal device 10 loads a payment and contract page.
  • the payment system 100 binds the user's payment account and the vehicle identifier.
  • the user can scan the icon 621 on the page 620 through the terminal device 10, that is, the user chooses to pay by scanning the code.
  • FIG. 4F shows a schematic diagram of a payment and contract page 460 provided according to an embodiment of the present application.
  • the page 460 is displayed on the display screen of the terminal device 10 .
  • the user can click the icon 461 of agreeing and paying to activate the process of opening ETC quick payment.
  • Payment platform A binds the user's account on payment platform A with the license plate logo.
  • the payment system 100 can obtain the payment account information bound with the license plate information from the payment platform A.
  • Payment platform A can directly deduct the gas fee from the user's payment account to the account of the gas station according to the already bound account.
  • FIG. 5 shows a schematic structural diagram of a service system 800 provided according to an embodiment of the present application.
  • the service system 800 may include the roadside unit 410 of the ETC system, the fuel dispenser 500, the server 30, and the payment system 100 described in this application.
  • the roadside unit 410 of the ETC system can identify the identification information of the vehicle 20 ; the tanker 500 can refuel the vehicle 20 and generate a fee for refueling; the payment system 100 can receive the identification information from the roadside unit 410 and the fee from the tanker 500 information; the server 30 can transfer the fee from the account bound with the identification information to the gas station account according to the identification information and the fee information.
  • the business system 800 may also include a second identification device.
  • the second identification device may be the camera 300 installed above the fuel dispenser 500 .
  • the second identification device may identify identification information of the vehicle 20 and transmit the identification information to the payment system 100 .
  • FIG. 6 further describes the payment method and service system described in this application.
  • the roadside unit 410 can communicate with the vehicle-mounted unit 420 and read the vehicle attribute information in the vehicle-mounted unit 420 .
  • the roadside unit 410 may send the attribute information of the vehicle to the payment system 100 .
  • the camera 300 above the fuel dispenser 500 acquires the license plate information of the vehicle 20 through image recognition, and sends the license plate information to the payment system 100 .
  • the payment system 100 matches the received license plate information from the roadside unit 410 with the license plate information from the camera 300 . After the matching is passed, the payment system 100 can load a page containing the license plate information on its display device. The user can further confirm the license plate through the page.
  • the gas station staff can refuel the vehicle 20 through the refueling machine 500 .
  • the refueling machine 500 calculates the cost information of the refueling, and sends the cost information to the payment system 100 .
  • the payment system 100 after receiving the charge information from the fuel dispenser 500, may load a billing page on its display device.
  • the payment system 100 consults the server 30 of the third-party payment platform whether the current license plate is bound with a payment account.
  • the payment system 100 may load a guide page to guide the user to pay the current bill by using face-scanning payment or code-scanning payment while enabling ETC fast payment.
  • the server 30 binds the user's payment account and the license plate of the vehicle 20 .
  • the payment system 100 can deduct the refueling fee from the already bound payment account.
  • the payment system 100 obtains the payment account according to the license plate information, sends the payment account and the cost information of this refueling to the server 30, and requests the server 30 to obtain the payment account from the payment account.
  • the refueling fee is deducted from the account of the account to the merchant account. If the refueling fee is large, the server 30 may push a payment confirmation page to the user's terminal device 10 , and the user may make payment through the payment confirmation page loaded by the user's terminal device 10 .
  • the present application provides a payment method, a payment system and a business system.
  • the business system described in this application adopts the identification system of the ETC system to obtain the identity of the vehicle.
  • the acquired vehicle identity is more accurate and reliable; on the other hand, rich vehicle attribute information can be obtained through the ETC system.
  • the business system described in this application does not use the clearing and settlement system of the ETC system for settlement, but uses a third-party payment platform for settlement, which improves the payment speed, enables instant payment, improves the convenience of payment, and expands the business. system application scenarios.
  • the business system described in this application is connected to a fuel dispenser with a payment device that can support face verification.
  • the payment device can be a standardized payment device, and can perform data transmission with the RSU and the camera, obtain the license plate number through the RSU and the camera, and then obtain the payment account bound with the license plate number.
  • the payment device only needs to obtain the bill amount from the fuel dispenser to generate complete bill information (license plate number, bill amount, payment account number, etc.), eliminating the need to replace and upgrade the fuel dispenser, and can be widely promoted.
  • the payment method described in this application guides the user to re-sign the payment withholding agreement with the third-party payment platform, separates ETC identification and ETC payment, abandons the ETC high-speed clearing and settlement system, and re-signs a third-party electronic payment system with extremely high timeliness. payment method.
  • the gas station has improved the payment efficiency. Users who use electronic payment no longer need to go to the back hall to pay, and they can obtain accurate vehicle information through ETC, and they can establish a complete user file to facilitate the expansion of value-added services such as members.
  • numbers expressing quantities or properties used to describe and claim certain embodiments of the present application should be understood to be modified in certain instances by the terms “about,” “approximately,” or “substantially.” For example, unless stated otherwise, “about”, “approximately” or “substantially” may mean a ⁇ 20% variation of the value it describes. Accordingly, in some embodiments, the numerical parameters set forth in the written description and attached claims are approximations that can vary depending upon the desired properties sought to be obtained by a particular embodiment. In some embodiments, numerical parameters should be interpreted in light of the number of reported significant digits and by applying ordinary rounding techniques. Notwithstanding that the numerical ranges and parameters setting forth broad ranges of the present application are approximations, the numerical values set forth in the specific examples are as precise as possible.

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Abstract

提供一种支付方法、一种支付***以及一种业务***。支付方法包括：支付***（100）接收来自ETC***中的路侧单元（410）的对目标车辆（20）的第一识别数据，其中，第一识别数据中包括目标车辆（20）的标识信息；接收来自加油机（500）的交易数据，交易数据中包括加油机（500）向目标车辆（20）加油的费用；获取为费用进行支付的支付方的身份信息；以及向目标服务器（30）发送身份信息和费用。业务***可以包括ETC***的路侧单元（410）、加油机（500）、支付***（100）以及目标服务器（30）。

Description

支付方法、支付***及业务*** 技术领域
本申请涉及信息技术领域，特别涉及支付方法、支付***以及业务***。
背景技术
现有的加油支付方式通常包含：在前厅的现金支付或油卡支付，以及在后厅的扫码支付或者pos支付。
现有的加油支付方式存在的缺点如下：前厅现金支付需找零结算；油卡支付需提前储值圈存，体验上与电子支付相比较差，并且油卡支付若要开票仍要到后厅；而后厅扫码支付或pos支付，用户需要下车移步到后厅，这会造成加油站流转效率降低，发生拥堵。
发明内容
为解决传统的加油支付方式的缺点，本申请公开了一种支付方法，包括，通过支付***的至少一个处理器：接收来自ETC***中的路侧单元的对目标车辆的第一识别数据，其中，所述第一识别数据中包括所述目标车辆的标识信息；接收来自加油机的交易数据，所述交易数据中包括所述加油机向所述目标车辆加油的费用信息；获取为所述费用进行支付的支付方的身份信息；以及向目标服务器发送所述身份信息和所述费用信息。
在一些实施例中，其中所述目标车辆上装载有所述ETC***的车载单元；在所述目标车辆经过所述路侧单元时，所述路侧单元：识别所述车载单元的单元标识，根据所述车载单元的标识，获得所述目标车辆的标识信息，以及将所述标识信息发送到所述支付***。
在一些实施例中，所述支付方法还包括：接收来自第二识别设备的对所述目标车辆的第二识别数据，所述第二识别数据中包括所述目标车辆的所述标识信息；以及确认所述第一识别数据中的标识信息同所述第二识别数据中的标识信息相同。
在一些实施例中，其中，所述第二识别设备包括图像识别设备，所述第二识别数据包括所述目标车辆的视觉标识。
在一些实施例中，其中所述获取所述支付方的身份信息包括：根据所述目标车辆的 所述标识信息，确认所述目标车辆绑定了付款账号；以及根据所述标识信息，获取同所述目标车辆绑定的所述付款账号信息。
在一些实施例中，其中所述获取所述支付方的身份信息包括：根据所述目标车辆的所述标识信息，确认所述目标车辆没有绑定付款账号；以及扫描所述目标车辆的使用者的生物特征数据，获取所述使用者的身份信息，其中所述身份信息包括所述生物特征数据。
在一些实施例中，所述支付方法还包括：加载目标页面，所述目标页面包括目标图标，其中触发所述目标图标激活所述使用者开通目标支付服务的流程。
在一些实施例中，其中所述生物特征信息包括：所述使用者的面部特征数据、虹膜特征数据、指纹特征数据、声音特征数据等的一种或者多种。
在一些实施例中，其中所述获取所述支付方的身份信息包括：根据所述目标车辆的所述标识信息，确认所述目标车辆没有绑定付款账号；加载目标页面，所述目标页面指示所述目标车辆的使用者用其终端设备开通目标支付服务；以及响应于所述使用者对所述目标支付服务的开通，从所述目标服务器获取所述使用者的付款账号信息。
本申请还公开了一种支付***，包括：至少一个存储器，包括至少一组指令集；以及至少一个处理器，同所述至少一个存储器通讯连接，当所述至少一个处理器运行所述至少一组指令集时，所述至少一个处理器执行本申请所述的支付方法。
本申请还公开了一种业务***，包括：ETC***的路侧单元，识别目标车辆的标识信息；加油机，向所述目标车辆加油，并生成加油的费用信息；支付***，接收来自所述路侧单元的标识信息和来自所述加油机的费用信息；以及目标服务器，根据所述标识信息和所述费用信息将所述费用从所述标识信息绑定的账户转移至目标账户。
在一些实施例中，其中所述目标车辆上装载有所述ETC***的车载单元；在所述目标车辆经过所述路侧单元时，所述路侧单元：识别所述车载单元的单元标识，根据所述车载单元的标识，获得所述目标车辆的标识信息，以及将所述标识信息发送到所述支付***。
在一些实施例中，所述业务***还包括第二识别设备，所述第二识别设备包括图像识别设备，所述第二识别设备识别所述目标车辆的标识信息并将所述标识信息发送至所述支付***。
本申请所述业务***，采用ETC***的识别***来获取车辆的身份。一方面，获取 的车辆的身份更准确可靠；另一方面，通过ETC***可以获得丰富的车辆属性信息。
本申请所述业务***，不采用ETC***的清分结算体系进行结算，而是采用第三方支付平台进行结算，提高了支付速度，可以实现即时支付，提高了支付的便捷性，扩大了该业务***的应用场景。
本申请所述业务***，在加油机上外接可支持人脸核验的支付机具。所述支付机具可以是标准化的支付机具，并且可以同RSU和摄像头进行数据传输，通过RSU和摄像头获得车牌号码，进而获得同车牌号码绑定的支付账号。所述支付机具只需要从加油机获取账单金额，即可生成完整的账单信息(车牌号码、账单金额、支付账号等)，免去对加油机的更换和升级，可被广泛推广。
本申请所述支付方法，引导用户重新签署同第三方支付平台的支付代扣协议，将ETC识别和ETC支付进行分离，摒弃ETC高速清分结算体系，重新签约支付时效性极高的第三方电子支付方式。加油站提升了支付效率，使用电子支付的用户不用再去后厅支付，并且通过ETC获取到了准确的车辆信息，可建立完整的用户档案，便于会员等增值服务的拓展。
附图说明
图1示出了根据本申请实施例提供的一种支付方法的应用场景示意图；
图2示出了根据本申请实施例提供的一种支付***的硬件结构示意图；
图3示出了根据本申请实施例提供的一种支付方法的流程图；
图4A示出了根据本申请实施例提供的一种车牌确认页面的示意图；
图4B示出了根据本申请实施例提供的一种加油账单页面的示意图；
图4C示出了根据本申请实施例提供的一种付款页面的示意图；
图4D示出了根据本申请实施例提供的一种引导页面的示意图；
图4E示出了根据本申请实施例提供的一种支付并签约的页面的示意图；
图4F示出了根据本申请实施例提供的另一种支付并签约的页面的示意图；
图5示出了根据本申请实施例提供的一种业务***的结构示意图；以及
图6示出了根据本申请实施例提供的一种支付方法的过程示意图。
具体实施方式
以下描述提供了本申请的特定应用场景和要求，目的是使本领域技术人员能够制造和使用本申请中的内容。对于本领域技术人员来说，对所公开的实施例的各种局部修改是显而易见的，并且在不脱离本申请的精神和范围的情况下，可以将这里定义的一般原理应用于其他实施例和应用。因此，本申请不限于所示的实施例，而是与权利要求一致的最宽范围。
这里使用的术语仅用于描述特定示例实施例的目的，而不是限制性的。
考虑到以下描述，本申请的这些特征和其他特征、以及结构的相关元件的操作和功能、以及部件的组合和制造的经济性可以得到明显提高。参考附图，所有这些形成本申请的一部分。然而，应该清楚地理解，附图仅用于说明和描述的目的，并不旨在限制本申请的范围。
以下描述可以显著改进本申请的这些和其他特征，以及结构的相关元件的操作和功能，以及组件的组合和制造的经济效率。所有这些都参考附图形成本申请的一部分。然而，应该清楚地理解，附图仅用于说明和描述的目的，并不旨在限制本申请的范围。还应理解，附图未按比例绘制。
电子不停车收费***(Electronic Toll Collection，以下简称ETC)是一种广泛应用于高速公路收费场景或者桥梁收费场景的收费***。ETC是世界上最先进的收费***，是智能交通***的服务功能之一。ETC***是一个由多个子***构成的***。ETC***可以包括ETC发行***(发行方)、ETC黑名单***、ETC账务***(高速公路业主与运营公司)、ETC清分结算***、ETC车辆自动识别***、中心管理***等。
ETC车辆自动识别***可以由车载单元(On Board Unit，以下简称OBU)、路侧单元(Road side unit，以下简称RSU)、环路感应器等组成。OBU中存有车辆的识别信息，一般安装于车辆前面的挡风玻璃上；RSU安装于收费站旁边；环路感应器安装于车道地面下。
中心管理***有大型的数据库，存储大量注册车辆和用户的信息。当车辆通过收费站口时，环路感应器感知车辆，RSU发出询问信号，OBU做出响应，RSU和OBU进行双向通信和数据交换。中心管理***获取车辆识别信息，如汽车ID号、车型等信息和数据库中相应信息进行比较判断，根据不同情况来控制管理***产生不同的动作，如控制清分结算***从该车的预付款项账户中扣除此次应交的过路费，或发送指令给其它 辅助设施工作。
ETC***的工作原理如下：通过安装在车辆挡风玻璃上的OBU与在收费站ETC车道上的RSU之间进行的专用短程通讯，利用计算机联网技术与银行进行后台结算处理，从而达到车辆通过高速公路或桥梁收费站无需停车而能交纳高速公路或桥梁费用的目的。ETC已覆盖2亿车主，其中OBU是国家统一标准的车载电子标签，其中包含了丰富的车辆和车主数据，具备极高的商业价值。高速场景下车辆OBU被RSU被识别后，由于ETC本身的清分结算能力弱，高速费用账单一般需要T+3日左右完成扣费。为保证通行效率(不停车收费)，高速场景下的ETC收费是先通行后扣费的模式。高速场景下，若扣费失败，银行会将用户及车辆拉黑使其无法通行。
为解决传统的加油支付方案的缺点，本申请提供一种利用ETC的加油支付方案：在加油站内铺设RSU；RSU识别车辆OBU；沿用高速场景的清分结算体系；用户首次采用该方案加油时需签约加油场景的代扣协议，加油成功后从ETC绑定的银行卡中自动扣费。
上述加油支付方案：首先，在车辆离场时，油站无法确认扣费结果。而加油的客单价较高。若发生坏账，油站的资损风险很高。也就是，上述加油支付方案无法实现账单实时结算以及先付费再离场。其次，代扣款项通常T+3日左右到账，除了ETC发行方自有的油站，其他油站通常无法接受T+3日的长账期。
综上，由于ETC支付时效不满足商业场景的业务需要，目前ETC仅被广泛应用于高速收费场景和桥梁收费场景，并未被拓展至其他商业属性较强的车主服务场景。
为实现加油场景的快捷支付和及时到账的问题，本申请提供一种支付方法。图1示出了根据本申请实施例提供的一种支付方法的应用场景示意图。
车载单元420(On board Unit，简称OBU)是ETC***的重要组成部分。车载单元420通常安装于车辆20的前挡风玻璃内侧。
车载单元420可以是一种电子标签。在一些实施例中，所述电子标签为单片式电子标签。所述单片式电子标签包括一片存储有车辆属性(标识码等)的集成电路芯片和一个小型微波发射机。所述集成电路芯片内存储的所述车辆的属性数据只能一次性写入，不能更改。在一些实施例中，所述电子标签为双片式电子标签。所述双片式电子标签可以包括一张IC卡和一个车载微波收发机。所述IC卡中可以包括一个微型CPU。所述微型CPU具有一定的计算、处理和存储数据的能力。所述IC卡既可以作为电子标签使用， 也可以充当***和金融卡使用。当所述IC作为电子标签使用时，需要将其***所述车载微波收发机，所述车载微波收发机读取所述IC卡内的车辆属性数据。路侧单元410同所述车载微波收发机利用DSRC技术双向通信，并获取所述车辆属性数据。
车载单元420可以采用DSRC技术，建立与路侧单元410之间的微波通讯链路。路侧单元410同车载单元420可以进行双向通信并获取车载单元420存储的车辆属性数据。
路侧单元410(Road Side Unit，简称RSU)是ETC***的重要组成部分。路侧单元410安装在路侧。路侧单元410一般安装在ETC车道正上方5.5m高度。路侧单元410采用DSRC技术，与安装在车辆20上的车载单元420进行通讯。路侧单元410通过同车载单元420通讯进而识别车辆20的身份。
路侧单元410一般包括路侧天线和射频控制器。所述路侧天线可以是高增益定向束控读写天线。所述路侧天线可以是一个微波收发模块，负责信号和数据的发送/接收、调制/解调、编码/解码、加密/解密等。所述射频控制器可以是控制发射和接收数据以及处理向上位机收发信息的模块。
加油机500是直接为车辆20加油的输油计量设备。加油机500与油罐、管线、管件阀门等构成了一个完整的供油***。加油机500可以由油泵、油气分离器、计量器、计数器、电动机以及油枪等构成。加油机500可以通过所述油枪向车辆20注油。加油机500还可以通过所述计量器和所述计数器获得当前加油的油量和/或加油费用。加油机500可以将当前加油的油量和/或费用发送给支付***100。
摄像头300可以获取车辆20的车牌信息，并将所述车牌信息发送至支付***100。支付***100在接收到所述车牌信息之后，可以同接收到的来自路侧单元410的车辆20的身份信息进行匹配，以确认车辆20的身份。
支付***100可以辅助加油站进行收费工作。支付***100可以包括支付机具。作为示例，所述支付机具可以是一种人脸识别设备。在一些实施例中，支付***100还可以包括同所述支付机具连接的商家的收银中心。为了便于描述，在本申请下面的描述中，以支付机具为例描述支付***100的功能。
支付***100可以同加油机500连接。支付***100可以接收来自加油机500的关于此次加油的费用信息。支付***100同路侧单元410连接。支付***100可以接收来自路侧单元410的关于车辆20的身份信息。在一些实施例中，支付***100可以向服务器30请求从付款方的账户中转移目标额的交易费用至商家账户。
作为示例，图2示出了根据本申请实施例提供的一种支付***100的硬件结构示意图。支付***100包括至少一个存储器230和至少一个处理器220。在一些实施例中，支付***100还可以包括通信端口250和内部通信总线210。同时，支付***100还可以包括I/O组件260。
内部通信总线210可以连接不同的***组件，包括存储器230和处理器220。
I/O组件260支持支付***100和其他组件(例如，终端设备10)之间的输入/输出。
存储器230可以包括数据存储装置。所述数据存储装置可以是非暂时性存储介质，也可以是暂时性存储介质。比如，所述数据存储装置可以包括磁盘232、只读存储器(ROM)234或随机存取存储器(RAM)236中的一种或多种。存储器230还包括存储在所述数据存储装置中的至少一个指令集。所述指令是计算机程序代码，所述计算机程序代码可以包括执行本申请提供的推送信息的方法的程序、例程、对象、组件、数据结构、过程、模块等等。
通信端口250用于支付***100同外界的数据通讯。
至少一个处理器220同至少一个存储器230通过内部通信总线210进行通讯。至少一个处理器220用以执行上述至少一个指令集，当至少一个处理器220执行上述至少一个指令集时，支付***100实施本申请提供的支付方法。处理器220可以执行所述支付方法包含的所有步骤。处理器220可以是一个或多个处理器的形式，在一些实施例中，处理器220可以包括一个或多个硬件处理器，例如微控制器，微处理器，精简指令集计算机(RISC)，专用集成电路(ASIC)，特定于应用的指令集处理器(ASIP)，中央处理单元(CPU)，图形处理单元(GPU)，物理处理单元(PPU)，微控制器单元，数字信号处理器(DSP)，现场可编程门阵列(FPGA)，高级RISC机器(ARM)，可编程逻辑器件(PLD)，能够执行一个或多个功能的任何电路或处理器等，或其任何组合。仅仅为了说明问题，在本申请中支付***100中仅描述了一个处理器220。然而，应当注意，本申请中支付***100还可以包括多个处理器，因此，本申请中披露的操作和/或方法步骤可以如本申请所述的由一个处理器执行，也可以由多个处理器联合执行。例如，如果在本申请中支付***100的处理器220执行步骤A和步骤B，则应该理解，步骤A和步骤B也可以由两个不同处理器220联合或分开执行(例如，第一处理器执行步骤A，第二处理器执行步骤B，或者第一和第二处理器共同执行步骤A和B)。
服务器30可以是第三方支付平台的服务器。所述第三方支付平台可以为用户和加油 站提供支付解决方案。用户以及商家在服务器30设有数字资源账户。服务器30可以接收来自用户的终端设备10或者支付***100的指令，并根据所述指令将目标额的数字资源在用户账户和商家账户之间转移。
服务器30可以接收并处理来自支付***100或终端设备10的签约请求。根据签约内容，服务器30可以将目标用户的付款账户同目标车辆的标识绑定。作为示例，所述目标车辆的标识可以是其车牌号。
图3示出了根据本申请实施例提供的一种支付方法S100的流程图。流程S100的部分步骤可以作为至少一个指令集存储在支付***100中的非临时性存储介质(比如存储器230)中。至少一个处理器220同所述至少一个非临时性存储介质通信连接，其中当支付***100运行时，所述至少一个处理器220读取所述至少一个指令集，并且根据所述至少一个指令集的指示执行流程S100中的部分步骤。
以下呈现的所示流程S100的操作，旨在是说明性的而非限制性的。在一些实施例中，流程S100在实现时可以添加一个或多个未描述的额外操作，和/或删减一个或多个此处所描述的操作。此外，图3中所示的和下文描述的操作的顺序并不对此加以限制。
S111，路侧单元410识别车载单元420的单元标识。
S112，路侧单元410获得车辆20的标识信息。
当安装有车载单元420的车辆20进入通讯范围后，地下埋设的环路感应器会予以反映，启动路侧单元410中的读写天线。所述读写天线同车载单元420以微波信息交换的方式进行通讯，并读取车载单元420内的车辆属性信息。作为示例，所述车载单元420内的车辆属性信息包括车辆20的标识和车型代码等。在一些实施例中，获取到所述信息之后，路侧单元410还会将所述车辆属性信息发送至中央管理***；所述中央管理***可以对所述车辆属性信息进行有效性判断，比如判断当前车辆20是否是正常车辆，比如判断当前的车载单元420是否有效，所述中央管理***可以将判断结果返回给路侧单元410。
S113，路侧单元410将所述标识信息发送到支付***100。
S114，支付***100接收来自ETC***的路侧单元410的对车辆20的第一识别数据。
车辆20上可以装有所述ETC***的车载单元420。所述第一识别数据可以包括车辆20的标识和车型代码等。
当路侧单元410从所述中央信息管理***获知车辆20属于正常车辆和/或当前车载单元420属于有效状态时，路侧单元410可以将车辆20的身份信息发送至支付***100。
S115，支付***100接收来自第二识别设备的对车辆20的第二识别数据。
在一些实施例中，所述第二识别设备可以包括图像识别设备。作为示例，所述图像识别设备可以包括摄像头300。所述第二识别数据包括车辆20的视觉标识。作为示例，所述第二识别数据可以包括车辆20的车牌信息。摄像头300可以铺设在加油机500的上方。当车辆20进入加油站之后，摄像头300可以拍摄车辆20的车牌信息，并将拍摄到的车牌信息发送至支付***100。在获得来自摄像头300的车牌信息之后，支付***100可以依据所述车牌信息对来自于路侧单元410的车辆身份信息进行核对，以对车辆20的身份进行再一次确认。在一些实施例中，摄像头300还可以拍摄车辆20所处的加油机500的机位，并将所述机位同车辆20的车牌信息一同发送至支付***100。
S116，支付***100确认所述第一识别数据中的标识信息同所述第二识别数据中的标识信息相同。
支付***100确认来自路侧单元410的车辆20的车牌信息同来自摄像头300的车辆20的车牌信息匹配。若匹配通过，支付***100会判断可以同当前的车辆20进行交易。作为示例，所述交易为加油交易。
相反，如果支付***100确认来自路侧单元410的车辆20的车牌信息同来自摄像头300的车辆20的车牌信息不匹配，或者是确认来自路侧单元410的车辆车牌信息无效时，支付***100可以发出警报提示。
S117，支付***100加载车牌确认页面。
在一些实施例中，支付***100可以通过其显示设备加载包含有车牌信息的页面。用户可以通过所述页面对车牌信息进行进一步的确认。作为示例，图4A示出了根据本申请实施例提供的一种车牌确认页面910的示意图。加油员可以点击页面910中的图标911确认车牌信息正确。当然，在一些实施例中，支付***100可以不加载车牌确认页面。
S118，油站工作人员通过加油机500向车辆20加油。
S119，支付***100接收来自加油机500的交易数据。
所述交易数据包括加油机500向车辆20加油的费用。
当支付***100确认来自路侧单元410的车辆车牌信息同来自摄像头300的车辆的车牌信息匹配，支付***100会判断可以同当前的车辆20进行交易。
油站工作人员可以通过加油机500向当前的车辆20加油。加油机500计算此次加油的费用，并将所述费用的信息发送到支付***100。
S120，支付***100判断所述标识信息是否绑定有付款账号。
根据前面的描述，支付***100从路侧单元410获取了当前车辆的车牌信息。支付***100首先判断当前车辆是否已经签约了ETC代扣协议，即当前车辆是否已经绑定了付款账号。
在一些实施例中，支付***100可以向第三方支付平台的服务器30咨询当前车辆是否绑定有付款账户。比如，支付***100可以将所述车辆的车牌信息发送到服务器30，服务器30在获取所述车辆的车牌信息之后查询是否有同所述车牌绑定的付款账户。
S181，支付***100获取为所述费用进行支付的支付方的身份信息。
S182，支付***100加载账单页面。
S183，支付***100向服务器30发送所述身份信息和所述费用信息。
S184，服务器30从所述身份信息对应的账户中扣取所述费用至目标账户。
所述目标账户可以包括加油站的收费账户。当支付***100确认当前的车辆绑定的有付款账户，支付***100获取所述付款账户的信息。综上，支付***100获取了付款账户信息和加油费用信息。
在一些实施例中，在获取付款账户信息和加油费用信息之后，支付***100可以通过其显示设备加载包含有加油账单的页面。用户可以通过所述页面对加油账单进行进一步的确认。作为示例，图4B示出了根据本申请实施例提供的一种加油账单页面920的示意图。加油账单页面920中显示此次加油的费用为300元。
支付***100根据所述付款账户的信息和所述费用信息生成订单，支付***100根据所述订单向服务器30发送扣费请求。服务器30可以根据所述扣费请求直接从所述付款账户中将目标额的数字资源转移至加油站的收费账户。
至此用户和加油站完成加油交易。
在一些实施例中，当加油额度较大时，服务器30还可以向所述用户的终端设备10推送付款信息。终端设备10可以根据所述付款信息加载付款页面。用户可以通过终端 设备10加载的付款页面确认付款或者不付款，进一步保证付款的安全。作为示例，图4C示出了根据本申请实施例提供的一种付款页面520的示意图。用户点击付款页面520上的确认支付的图标521，终端设备10加载支付密码框，用户通过所述支付密码框输入密码完成付款。
S201，支付***100加载引导页面。
当支付***100确认当前的车辆没有绑定付款账户，支付***100可以通过其显示设备加载的页面来引导用户开通ETC快捷支付。
作为示例，图4D示出了一种引导页面620的示意图。引导页面620同时可以显示有账单信息。
引导页面620上可以包括图标621。图标621可以是一个二维码。图标621用于引导用户采用扫码支付并开通ETC快捷支付。用户可以采用其终端设备10扫描图标621，进一步激活开通采用用户在支付平台A的账户进行ETC快捷支付的流程。
引导页面620上可以包括图标622。图标622用于引导用户采用刷脸支付并开通ETC快捷支付。用户点击图标622，支付***100可以激活其生物特征读取设备。作为示例，所述生物特征读取设备可以包括，但不限于，安装在支付***100内的摄像头，指纹读取器，等等。
S202，支付***100获取用户的生物特征。
S203，支付***100通过所述生物特征查找到同所述生物特征对应的付款账号。
S204，支付***100加载支付并签约页面。
S205，用户确认支付并签约。
S206，支付***100将用户付款账户和车辆标识绑定。
继续参考图4D，用户点击页面620上的图标622，也就是用户选择使用刷脸支付。支付***100通过读取设备读取用户的生物特征。作为示例，所述读取设备可以是集成在支付***100内的扫描设备。用户通过所述读取设备将其生物特征上传至支付***100。支付***100通过所述读取设备获取用户的生物特征。作为示例，所述生物特征可以包括，但不限于，用户的面部特征数据，虹膜特征数据，指纹特征数据，声音特征数据，等等。为了便于描述，在本申请的描述中，以面部特征为例描述所述生物特征的功能。
面部识别成功，支付***100根据获取的面部特征获取同所述面部特征对应的付款账号。
获取所述付款账号之后，支付***100可以通过其显示设备(比如支付机具的显示器)加载支付并签约页面，以引导用户签约ETC快捷支付。作为示例，图4E示出了根据本申请实施例提供的一种支付并签约的页面450的示意图。用户可以点击同意并支付的图标451激活开通ETC快捷支付的流程。
用户点击同意并支付的图标451，支付***100通过其显示设备(比如支付机具的显示器)加载支付密码框，用户通过所述支付密码框输入支付密码，开通ETC快捷支付。支付平台A将用户在支付平台A的账户同车牌标识进行绑定。当下次该车辆进行ETC加油时，支付***100就可以根据已经绑定的账号直接从用户的付款账户中扣取加油费用至加油站的账户。
S207，终端设备10加载支付并签约页面。
S208，用户确认支付并签约。
S209，支付***100将用户付款账户和车辆标识绑定。
继续参考图4D，用户可以通过终端设备10扫描页面620上的图标621，也就是用户选择使用扫码支付。
终端设备10获取图标621中包含的信息之后，读取用户在支付平台A的付款账号，并跳转至支付并签约的页面，以引导用户签约ETC快捷支付。作为示例，图4F示出了根据本申请实施例提供的一种支付并签约的页面460的示意图。页面460显示在终端设备10的显示屏上。用户可以点击同意并支付的图标461激活开通ETC快捷支付的流程。
用户点击同意并支付的图标461，终端设备10加载支付密码框，用户通过所述支付密码框输入支付密码，开通ETC快捷支付。支付平台A将用户在支付平台A的账户同车牌标识进行绑定。当下次该车辆进行ETC加油时，支付***100就可以从支付平台A获取同所述车牌信息绑定的付款账号信息。支付平台A可以根据已经绑定的账号直接从用户的付款账户中扣取加油费用至加油站的账户。
本申请还提供一种业务***。作为示例，图5示出了根据本申请实施例提供的一种业务***800的结构示意图。具体地，业务***800可以包括ETC***的路侧单元410、加油机500、服务器30以及本申请所述支付***100。
ETC***的路侧单元410可以识别车辆20的标识信息；加油机500可以向车辆20加油，并生成加油的费用；支付***100可以接收来自路侧单元410的标识信息和来自加油机500的费用信息；服务器30可以根据所述标识信息和所述费用信息将所述费用从所述标识信息绑定的账户转移至加油站账户。在一些实施例中，业务***800还可以包括第二识别设备。作为示例，所述第二识别设备可以是安装在加油机500上方的摄像头300。所述第二识别设备可以识别车辆20的标识信息并将所述标识信息发送至支付***100。
业务***800各个部分具体的结构和功能可以参考前文的描述，为了简洁，这里不再赘述。
图6对本申请所述支付方法和业务***进行了进一步地描述。
当安装有车载单元420的车辆20进入通讯范围后，路侧单元410可以同车载单元420通讯，并读取车载单元420内的车辆属性信息。路侧单元410可以将所述车辆的属性信息发送给支付***100。
当车辆20行驶至某个具体加油机前面的时候，加油机500上方的摄像头300通过图像识别的方式获取车辆20的车牌信息，并将所述车牌信息发送至支付***100。
支付***100匹配接收的来自路侧单元410的车牌信息和来自摄像头300的车牌信息。匹配通过后，支付***100可以在其显示设备上加载包含车牌信息的页面。用户可以通过所述页面对车牌进行进一步地确认。
当用户确认车牌信息无误后，加油站工作人员可以通过加油机500向车辆20加油。加油结束，加油机500计算此次加油的费用信息，并将所述费用信息发送给支付***100。
支付***100在接收到来自加油机500的费用信息之后，可以在其显示设备上加载账单页面。
支付***100向第三方支付平台的服务器30咨询当前的车牌是否绑定有付款账号。
若当前车牌没有绑定付款账号，支付***100可以加载引导页面，引导用户采用刷脸支付或者扫码支付对本次账单进行支付同时开通ETC快捷支付。当用户开通了ETC快捷支付，服务器30将用户的付款账号和车辆20的车牌进行了绑定。当车辆20下一次进入油站加油时，支付***100就可以从已经绑定的付款账号中扣取加油的费用。
若当前车牌已经绑定了付款账号，支付***100根据所述车牌信息获取所述付款账号，将所述付款账号和此次加油的费用信息发送给服务器30，向服务器30请求从所述付款账号的账户中扣取加油费用至商家账户。若加油费用额度较大，服务器30可以向用户的终端设备10推送确认付款的页面，用户可以通过其终端设备10加载的确认付款的页面付款。
综上，本申请提供一种支付方法，一种支付***以及一种业务***。
本申请所述业务***，采用ETC***的识别***来获取车辆的身份。一方面，获取的车辆的身份更准确可靠；另一方面，通过ETC***可以获得丰富的车辆属性信息。
本申请所述业务***，不采用ETC***的清分结算体系进行结算，而是采用第三方支付平台进行结算，提高了支付速度，可以实现即时支付，提高了支付的便捷性，扩大了该业务***的应用场景。
本申请所述业务***，在加油机上外接可支持人脸核验的支付机具。所述支付机具可以是标准化的支付机具，并且可以同RSU和摄像头进行数据传输，通过RSU和摄像头获得车牌号码，进而获得同车牌号码绑定的支付账号。所述支付机具只需要从加油机获取账单金额，即可生成完整的账单信息(车牌号码、账单金额、支付账号等)，免去对加油机的更换和升级，可被广泛推广。
本申请所述支付方法，引导用户重新签署同第三方支付平台的支付代扣协议，将ETC识别和ETC支付进行分离，摒弃ETC高速清分结算体系，重新签约支付时效性极高的第三方电子支付方式。加油站提升了支付效率，使用电子支付的用户不用再去后厅支付，并且通过ETC获取到了准确的车辆信息，可建立完整的用户档案，便于会员等增值服务的拓展。
综上所述，在阅读本详细公开内容之后，本领域技术人员可以明白，前述详细公开内容可以仅以示例的方式呈现，并且可以不是限制性的。尽管这里没有明确说明，本领域技术人员可以理解本申请意图囊括对实施例的各种合理改变，改进和修改。这些改变，改进和修改旨在由本申请提出，并且在本申请的示例性实施例的精神和范围内。
此外，本申请中的某些术语已被用于描述本申请的实施例。例如，“一个实施例”，“实施例”和/或“一些实施例”意味着结合该实施例描述的特定特征，结构或特性可以包括在本申请的至少一个实施例中。因此，可以强调并且应当理解，在本说明书的各个部分 中对“实施例”或“一个实施例”或“替代实施例”的两个或更多个引用不一定都指代相同的实施例。此外，特定特征，结构或特性可以在本申请的一个或多个实施例中适当地组合。
应当理解，在本申请的实施例的前述描述中，为了帮助理解一个特征，出于简化本申请的目的，本申请有时将各种特征组合在单个实施例、附图或其描述中。或者，本申请又是将各种特征分散在多个本申请的实施例中。然而，这并不是说这些特征的组合是必须的，本领域技术人员在阅读本申请的时候完全有可能将其中一部分特征提取出来作为单独的实施例来理解。也就是说，本申请中的实施例也可以理解为多个次级实施例的整合。而每个次级实施例的内容在于少于单个前述公开实施例的所有特征的时候也是成立的。
在一些实施方案中，表达用于描述和要求保护本申请的某些实施方案的数量或性质的数字应理解为在某些情况下通过术语“约”，“近似”或“基本上”修饰。例如，除非另有说明，否则“约”，“近似”或“基本上”可表示其描述的值的±20％变化。因此，在一些实施方案中，书面描述和所附权利要求书中列出的数值参数是近似值，其可以根据特定实施方案试图获得的所需性质而变化。在一些实施方案中，数值参数应根据报告的有效数字的数量并通过应用普通的舍入技术来解释。尽管阐述本申请的一些实施方案列出了广泛范围的数值范围和参数是近似值，但具体实施例中都列出了尽可能精确的数值。
本文引用的每个专利，专利申请，专利申请的出版物和其他材料，例如文章，书籍，说明书，出版物，文件，物品等，可以通过引用结合于此。用于所有目的的全部内容，除了与其相关的任何起诉文件历史，可能与本文件不一致或相冲突的任何相同的，或者任何可能对权利要求的最宽范围具有限制性影响的任何相同的起诉文件历史。现在或以后与本文件相关联。举例来说，如果在与任何所包含的材料相关联的术语的描述、定义和/或使用与本文档相关的术语、描述、定义和/或之间存在任何不一致或冲突时，使用本文件中的术语为准。
最后，应理解，本文公开的申请的实施方案是对本申请的实施方案的原理的说明。其他修改后的实施例也在本申请的范围内。因此，本申请披露的实施例仅仅作为示例而非限制。本领域技术人员可以根据本申请中的实施例采取替代配置来实现本申请中的申请。因此，本申请的实施例不限于申请中被精确地描述过的那些实施例。

Claims (13)

  1. 一种支付方法，包括，通过支付***的至少一个处理器：
    接收来自ETC***中的路侧单元的对目标车辆的第一识别数据，其中，所述第一识别数据中包括所述目标车辆的标识信息；
    接收来自加油机的交易数据，所述交易数据中包括所述加油机向所述目标车辆加油的费用信息；
    获取为所述费用进行支付的支付方的身份信息；以及
    向目标服务器发送所述身份信息和所述费用信息。
  2. 如权利要求1所述的支付方法，其中所述目标车辆上装载有所述ETC***的车载单元；
    在所述目标车辆经过所述路侧单元时，所述路侧单元：
    识别所述车载单元的单元标识，
    根据所述车载单元的标识，获得所述目标车辆的标识信息，以及
    将所述标识信息发送到所述支付***。
  3. 如权利要求1所述的支付方法，还包括：
    接收来自第二识别设备的对所述目标车辆的第二识别数据，所述第二识别数据中包括所述目标车辆的所述标识信息；以及
    确认所述第一识别数据中的标识信息同所述第二识别数据中的标识信息相同。
  4. 如权利要求3所述的支付方法，其中，所述第二识别设备包括图像识别设备，所述第二识别数据包括所述目标车辆的视觉标识。
  5. 如权利要求1所述的支付方法，其中所述获取所述支付方的身份信息包括：
    根据所述目标车辆的所述标识信息，确认所述目标车辆绑定了付款账号；以及
    根据所述标识信息，获取同所述目标车辆绑定的所述付款账号信息。
  6. 如权利要求1所述的支付方法，其中所述获取所述支付方的身份信息包括：
    根据所述目标车辆的所述标识信息，确认所述目标车辆没有绑定付款账号；以及
    扫描所述目标车辆的使用者的生物特征数据，获取所述使用者的身份信息，其中所述身份信息包括所述生物特征数据。
  7. 如权利要求6所述的支付方法，还包括：
    加载目标页面，所述目标页面包括目标图标，其中触发所述目标图标激活所述使用者开通目标支付服务的流程。
  8. 如权利要求6中所述的支付方法，其中所述生物特征信息包括：所述使用者的面 部特征数据、虹膜特征数据、指纹特征数据、声音特征数据等的一种或者多种。
  9. 如权利要求1所述的支付方法，其中所述获取所述支付方的身份信息包括：
    根据所述目标车辆的所述标识信息，确认所述目标车辆没有绑定付款账号；
    加载目标页面，所述目标页面指示所述目标车辆的使用者用其终端设备开通目标支付服务；以及
    响应于所述使用者对所述目标支付服务的开通，从所述目标服务器获取所述使用者的付款账号信息。
  10. 一种支付***，包括：
    至少一个存储器，包括至少一组指令集；以及
    至少一个处理器，同所述至少一个存储器通讯连接，当所述至少一个处理器运行所述至少一组指令集时，所述至少一个处理器执行权利要求1-9中任意一个权利要求所述的支付方法。
  11. 一种业务***，包括：
    ETC***的路侧单元，识别目标车辆的标识信息；
    加油机，向所述目标车辆加油，并生成加油的费用信息；
    支付***，接收来自所述路侧单元的标识信息和来自所述加油机的费用信息；以及
    目标服务器，根据所述标识信息和所述费用信息将所述费用从所述标识信息绑定的账户转移至目标账户。
  12. 如权利要求11所述业务***，其中所述目标车辆上装载有所述ETC***的车载单元；
    在所述目标车辆经过所述路侧单元时，所述路侧单元：
    识别所述车载单元的单元标识，
    根据所述车载单元的标识，获得所述目标车辆的标识信息，以及
    将所述标识信息发送到所述支付***。
  13. 如权利要求11所述业务***，还包括第二识别设备，所述第二识别设备包括图像识别设备，所述第二识别设备识别所述目标车辆的标识信息并将所述标识信息发送至所述支付***。
PCT/CN2021/104886 2020-07-23 2021-07-07 支付方法、支付***及业务*** WO2022017180A1 (zh)

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CN111882752A (zh) * 2020-07-23 2020-11-03 支付宝(杭州)信息技术有限公司 支付方法、支付***及业务***
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