CN111353782A - Fraud detection method, apparatus and system for vehicle-based payments - Google Patents
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Abstract
Description
Translated fromChinese技术领域technical field
本发明涉及一种用于检测欺诈性支付的技术，尤其涉及一种针对基于车辆的支付的欺诈检测方法、设备和系统。The present invention relates to a technique for detecting fraudulent payments, and more particularly to a fraud detection method, apparatus and system for vehicle-based payments.
背景技术Background technique
随着通信技术和网络技术的发展，基于车辆的电子支付技术得到了广泛的应用，例如以电子方式支付停车费、新能源汽车(NEV)充电费、道路通行费、路桥使用费等，大大提高了支付效率。而相应地也出现了欺诈性支付。欺诈性支付请求通常采用的方式是，盗用车辆标识(ID)并模拟支付交易，例如，使用伪造的车辆牌照来产生欺诈的支付请求。With the development of communication technology and network technology, vehicle-based electronic payment technology has been widely used, such as electronic payment of parking fees, new energy vehicle (NEV) charging fees, road tolls, road and bridge usage fees, etc. payment efficiency. Correspondingly, there have been fraudulent payments. Fraudulent payment requests are often made by stealing a vehicle identification (ID) and simulating a payment transaction, eg, using a fake vehicle license plate to generate a fraudulent payment request.
传统的支付欺诈检测方案是基于支付设备标识、密码输入行为、以及基于支付交易的大数据分析。这些传统的支付欺诈检测方案仍然属于常规的检测方案，其主要关注如何在支付交易过程中防范非法的支付交易，并未考虑到基于车辆的支付所独有的特性，因而不能有效地实现车辆支付的欺诈检测，难以防范技术手段日益提高的支付欺诈行为。Traditional payment fraud detection solutions are based on payment device identification, password input behavior, and big data analysis based on payment transactions. These traditional payment fraud detection schemes are still conventional detection schemes, which mainly focus on how to prevent illegal payment transactions in the payment transaction process, and do not take into account the unique characteristics of vehicle-based payment, so vehicle payment cannot be effectively implemented. fraud detection, it is difficult to prevent payment fraud with increasing technological means.
发明内容SUMMARY OF THE INVENTION
本发明的目的在于提供一种针对基于车辆的支付的欺诈检测方法、设备和系统，以实现有效的支付欺诈检测，从而确保支付安全和降低支付业务损失。The purpose of the present invention is to provide a fraud detection method, device and system for vehicle-based payment, so as to realize effective payment fraud detection, thereby ensuring payment security and reducing payment service losses.
根据本发明的实施例，提供一种针对基于车辆的支付的欺诈检测方法，包括：接收车辆发出的支付请求；获取所述车辆的车辆标识；收集关于所述车辆标识所标识的车辆的状态的车辆数据；分析所述支付请求和所述车辆数据，以验证所述支付请求。According to an embodiment of the present invention, a fraud detection method for vehicle-based payment is provided, comprising: receiving a payment request from a vehicle; acquiring a vehicle identification of the vehicle; collecting information about the status of the vehicle identified by the vehicle identification vehicle data; analyzing the payment request and the vehicle data to verify the payment request.
根据本发明的另一实施例，提供一种针对基于车辆的支付的欺诈检测设备，包括：接收机，被配置为接收所述车辆发出的支付请求；通信装置，被配置为根据所述车辆的车辆标识，从远程服务器接收关于所述车辆标识所标识的车辆的状态的车辆数据；以及数据分析装置，被配置为分析所述支付请求和所标识的车辆的车辆数据，以验证所述支付请求。According to another embodiment of the present invention, there is provided a fraud detection apparatus for vehicle-based payment, comprising: a receiver configured to receive a payment request issued by the vehicle; a communication device configured to a vehicle identification receiving vehicle data from a remote server regarding the status of the vehicle identified by the vehicle identification; and a data analysis device configured to analyze the payment request and vehicle data of the identified vehicle to verify the payment request .
根据本发明的又一实施例，提供一种针对基于车辆的支付的欺诈检测系统，包括：针对基于车辆的支付的欺诈检测设备；以及远程服务器，被配置为接收和存储关于多个车辆的状态的车辆数据，其中，所述车辆数据是由所述多个车辆上的传感器采集、并以无线方式传送到所述远程服务器。According to yet another embodiment of the present invention, there is provided a fraud detection system for vehicle-based payments, comprising: a fraud detection device for vehicle-based payments; and a remote server configured to receive and store status regarding a plurality of vehicles of vehicle data, wherein the vehicle data is collected by sensors on the plurality of vehicles and wirelessly transmitted to the remote server.
附图简述Brief Description of Drawings
图1是根据本发明的实施例的用于检测欺诈性支付请求的方法流程图；1 is a flowchart of a method for detecting fraudulent payment requests according to an embodiment of the present invention;
图2示出收集的车辆传感器数据与相应的欺诈检测规则的示例；Figure 2 shows an example of collected vehicle sensor data and corresponding fraud detection rules;
图3是根据本发明实施例的用于检测欺诈性支付请求的设备以及系统的方框图；以及3 is a block diagram of an apparatus and system for detecting fraudulent payment requests according to an embodiment of the present invention; and
图4是根据本发明实施例的用于处理支付请求的方法流程图。FIG. 4 is a flowchart of a method for processing a payment request according to an embodiment of the present invention.
具体实施方式Detailed ways
根据本发明实施例的一种针对基于车辆的支付的欺诈检测方法，包括：接收车辆发出的支付请求；获取车辆的车辆标识，例如车辆牌照号；收集关于车辆标识所标识的车辆的状态的车辆数据；分析支付请求和车辆数据，以验证支付请求。在本发明的实施例中，利用基于车辆的支付所独有的特性，例如，支付交易通常是与车辆的状态(如位置、电池余量、燃料余量等)相关联。利用这种关联性，通过分析支付请求和车辆的状态，可以判断发出支付请求的车辆与车辆标识所标识的车辆是否相一致，由此来验证支付请求是否是欺诈性的。车辆标识(例如合法的汽车牌照号)所标识的车辆可以被认为是合法的、真实的车辆。例如，当欺诈者使用伪造的车牌或盗用他人的车牌时，欺诈者所驾驶车辆的状态必然会与该车牌所实际标识的车辆的状态存在明显的不一致。而根据本发明的实施例的上述方法，可以通过检测到这种不一致来验证支付请求。在此情况下，即使欺诈者能够以技术手段模拟支付交易，也同样会被识别出来。A fraud detection method for vehicle-based payment according to an embodiment of the present invention includes: receiving a payment request issued by a vehicle; obtaining a vehicle identification of the vehicle, such as a vehicle license plate number; collecting the vehicle information about the state of the vehicle identified by the vehicle identification Data; analyzes payment requests and vehicle data to validate payment requests. In embodiments of the present invention, characteristics unique to vehicle-based payments are utilized, eg, payment transactions are typically associated with the state of the vehicle (eg, location, battery level, fuel level, etc.). Using this correlation, by analyzing the payment request and the state of the vehicle, it can be determined whether the vehicle issuing the payment request matches the vehicle identified by the vehicle identification, thereby verifying whether the payment request is fraudulent. A vehicle identified by a vehicle identification (eg, a legal license plate number) may be considered a legal, real vehicle. For example, when a fraudster uses a forged license plate or steals someone else's license plate, the state of the vehicle driven by the fraudster must be significantly inconsistent with the state of the vehicle actually identified by the license plate. And according to the above-mentioned method of the embodiment of the present invention, the payment request can be verified by detecting such inconsistency. In this case, even if the fraudster is able to simulate the payment transaction by technical means, it will still be identified.
图1示出根据本发明的实施例的用于检测欺诈性支付请求的方法流程图。在图1的实施例中，通过分析支付请求和所收集到的关于车辆标识所标识的车辆的状态的车辆数据，当判断发出支付请求的车辆与其车辆标识所标识的车辆不一致时，确定支付请求是欺诈性的；当判断发出支付请求的车辆与其车辆标识所标识的车辆相一致时，确定支付请求是正常的。在一个实施例中，当判断支付请求所包含的信息与车辆数据所指示的所标识的车辆的状态不一致时，判断支付请求是欺诈性的。FIG. 1 shows a flowchart of a method for detecting fraudulent payment requests according to an embodiment of the present invention. In the embodiment of FIG. 1 , by analyzing the payment request and the collected vehicle data about the state of the vehicle identified by the vehicle identification, the payment request is determined when it is determined that the vehicle that issued the payment request is inconsistent with the vehicle identified by the vehicle identification is fraudulent; the payment request is determined to be normal when it is determined that the vehicle issuing the payment request is consistent with the vehicle identified by its vehicle identification. In one embodiment, the payment request is determined to be fraudulent when it is determined that the information contained in the payment request is inconsistent with the status of the identified vehicle indicated by the vehicle data.
图2示出收集的车辆传感器数据与相应的欺诈检测规则的示例。这些车辆传感器数据例如可包括车辆位置、燃油液位、电池电量、车辆速度和车辆启动状态中的至少一项。例如，车辆上安装有用于检测车辆位置的定位系统、燃油液位传感器、用于检测电池剩余电量的传感器、车辆速度传感器和用于检测车辆启动状态的传感器。这些车辆传感器所检测到的数据可传送到远程服务器，以供用于针对基于车辆的支付请求的欺诈性分析。依据相应的欺诈检测规则来分析利用这些车辆传感器数据，可以检测出支付请求、发出支付请求的车辆与车辆标识所标识的车辆之间可能存在的不一致，以验证支付请求。Figure 2 shows an example of collected vehicle sensor data and corresponding fraud detection rules. Such vehicle sensor data may include, for example, at least one of vehicle location, fuel level, battery charge, vehicle speed, and vehicle startup status. For example, a vehicle is mounted with a positioning system for detecting the position of the vehicle, a fuel level sensor, a sensor for detecting the remaining power of the battery, a vehicle speed sensor, and a sensor for detecting the starting state of the vehicle. Data detected by these vehicle sensors may be transmitted to a remote server for fraudulent analysis of vehicle-based payment requests. By analyzing and utilizing these vehicle sensor data according to the corresponding fraud detection rules, possible inconsistencies between the payment request, the vehicle issuing the payment request and the vehicle identified by the vehicle identification can be detected to verify the payment request.
在一个实施例中，车辆标识所标识的车辆的车辆数据包括在发出支付请求时所标识的车辆所处的位置。该位置信息可以从远程服务器获取。在该实施例中的欺诈检测规则是：当判断发出支付请求的车辆的位置偏离所标识的车辆的位置时，确定支付请求是欺诈性的。发出支付请求的车辆的位置信息例如可以由接受支付请求的收费设备获取，如ETC电子不停车收费系统、停车场的停车收费系统、路侧电子停车收费桩等。例如，在同一时间，发出支付请求的车辆是在某高速公路收费站，而所标识的车辆则停在某一停车场，则可确定所发出的道路通行费支付请求是欺诈性的。In one embodiment, the vehicle data for the vehicle identified by the vehicle identification includes the location of the identified vehicle at the time of the payment request. The location information can be obtained from a remote server. The fraud detection rule in this embodiment is to determine that the payment request is fraudulent when it is determined that the location of the vehicle issuing the payment request deviates from the location of the identified vehicle. The location information of the vehicle that sends the payment request can be obtained, for example, by the toll collection device that accepts the payment request, such as the ETC electronic non-parking charging system, the parking charging system of the parking lot, and the roadside electronic parking charging pile. For example, if the vehicle making the payment request is at a highway toll booth and the identified vehicle is parked at a parking lot at the same time, it can be determined that the request to pay the road toll is fraudulent.
在一个实施例中，发出支付请求的车辆和车辆标识所标识的车辆是电力驱动车或混合动力车，其中包括电池驱动系统。支付请求指示请求电池充电量，亦即车辆需要充电服务；而所标识的车辆的车辆数据包括在发出支付请求后(例如在预定的一段时间内)所标识的车辆的电池电量变化量。在该实施例中的欺诈检测规则是，当判断支付请求中指示的请求电池充电量与所标识的车辆的电池电量变化量不匹配时，确定支付请求是欺诈性的。例如，发出支付请求的车辆在充电后其电池电量提高了，而所标识的车辆的电池电量在相同时间段却没有变化，则可以确定该充电支付请求是欺诈性的。In one embodiment, the vehicle making the payment request and the vehicle identified by the vehicle identification is an electric powered vehicle or a hybrid vehicle, including a battery powered system. The payment request indicates the requested battery charge, that is, the vehicle needs charging service; and the vehicle data of the identified vehicle includes the identified vehicle battery charge change after the payment request is issued (eg, within a predetermined period of time). The fraud detection rule in this embodiment is that the payment request is determined to be fraudulent when it is determined that the requested battery charge level indicated in the payment request does not match the identified vehicle battery level change. For example, the charging payment request may be determined to be fraudulent if the vehicle making the payment request has its battery level increased after charging, while the identified vehicle's battery level has not changed over the same period of time.
在一个实施例中，发出支付请求的车辆和车辆标识所标识的车辆是都是普通燃油车；支付请求指示请求燃油购买量，亦即车辆需要购买燃油；所标识的车辆的车辆数据包括在发出支付请求后(例如在预定的一段时间内)所标识的车辆的燃油变化量。在该实施例中的欺诈检测规则是：当支付请求中指示的请求燃油购买量与所标识的车辆的燃油变化量不匹配时，例如所标识的车辆的油箱中的燃油液位并未增加相应的量，则确定支付请求是欺诈性的。In one embodiment, the vehicle that sends the payment request and the vehicle identified by the vehicle identifier are both ordinary fuel vehicles; the payment request indicates the requested fuel purchase amount, that is, the vehicle needs to purchase fuel; the vehicle data of the identified vehicle is included in the vehicle when sending out The amount of fuel change for the vehicle identified after a payment request (eg, within a predetermined period of time). The fraud detection rule in this embodiment is: when the requested fuel purchase amount indicated in the payment request does not match the identified vehicle's fuel variation, eg the fuel level in the identified vehicle's fuel tank does not increase accordingly amount, the payment request is determined to be fraudulent.
在一个实施例中，所标识的车辆的车辆数据包括在发出支付请求时所标识的车辆所处的位置；该位置信息例如是从远程服务器获取的。在该实施例中的欺诈检测规则是：当支付请求指示请求购买燃油并且所标识的车辆的位置不在加油站区域内时，判断所标识的车辆并没有去加油，由此确定支付请求是欺诈性的。In one embodiment, the vehicle data of the identified vehicle includes the location of the identified vehicle when the payment request is made; the location information is obtained, for example, from a remote server. The fraud detection rule in this embodiment is: when the payment request indicates a request to purchase fuel and the location of the identified vehicle is not within the gas station area, it is determined that the identified vehicle does not go to refuel, thereby determining that the payment request is fraudulent of.
在一个实施例中，所标识的车辆的车辆数据包含所标识的车辆的启动状态；该启动状态信息例如是从远程服务器获取的。在该实施例中的欺诈检测规则是：当支付请求是道路收费支付请求、以及所标识的车辆的启动状态指示在发出支付请求时所标识的车辆处于未启动状态时，判断所标识的车辆不可能行驶在收费道路上，由此确定支付请求是欺诈性的。In one embodiment, the vehicle data of the identified vehicle contains the activation status of the identified vehicle; the activation status information is obtained, for example, from a remote server. The fraud detection rule in this embodiment is: when the payment request is a road toll payment request, and the activation status of the identified vehicle indicates that the identified vehicle is in an inactive state when the payment request is issued, determine that the identified vehicle is not Possibly driving on a toll road, thereby determining that the payment request is fraudulent.
在一个实施例中，所标识的车辆的车辆数据包含所标识的车辆的车速。例如远程服务器可以收集并记录该车辆在一段时间内在车辆行驶过程中的车速信息。在该实施例中的欺诈检测规则是：当关于所标识的车辆的超速罚款单是针对所标识的车辆的车速保持在速度限制以下之期间时，确定存在具有相同车辆标识的其它车辆，亦即存在该车辆标识被盗用的情况。In one embodiment, the vehicle data of the identified vehicle includes the vehicle speed of the identified vehicle. For example, the remote server can collect and record the speed information of the vehicle during the driving process of the vehicle over a period of time. The fraud detection rule in this embodiment is to determine that there are other vehicles with the same vehicle identification when the speeding ticket for the identified vehicle is for the period during which the identified vehicle's speed remains below the speed limit, i.e. There is a case where the vehicle identification has been stolen.
以上是欺诈支付检测的一些具体实施例。本发明并不限于这些实施例。以上所述的欺诈检测规则可以单独使用，也可以组合使用。例如同时判断所标识的车辆的油箱中的燃油液位变化量、以及该车辆的位置是否在加油站区域内。The above are some specific embodiments of fraudulent payment detection. The present invention is not limited to these examples. The fraud detection rules described above can be used individually or in combination. For example, it is determined at the same time the amount of change in the fuel level in the fuel tank of the identified vehicle and whether the location of the vehicle is within the gas station area.
图3示出根据本发明实施例的用于检测欺诈性支付请求的设备以及系统的方框图。在该实施例中，针对基于车辆的支付的欺诈检测设备200如图中的虚线框所示，包括：接收机210，被配置为接收车辆100发出的支付请求；通信装置230，被配置为根据车辆100的车辆标识，从远程服务器300接收关于车辆标识所标识的车辆(例如车辆i)的状态的车辆数据；以及数据分析装置220，被配置为分析支付请求和所标识的车辆i的车辆数据，以验证支付请求。3 shows a block diagram of an apparatus and system for detecting fraudulent payment requests according to an embodiment of the present invention. In this embodiment, the fraud detection device 200 for vehicle-based payment, as shown by the dashed box in the figure, includes: a receiver 210, configured to receive a payment request sent by the vehicle 100; a communication device 230, configured to a vehicle identification of the vehicle 100, receiving vehicle data from the remote server 300 regarding the status of the vehicle identified by the vehicle identification (eg, vehicle i); and a data analysis device 220 configured to analyze the payment request and the vehicle data of the identified vehicle i , to verify the payment request.
该实施例的欺诈检测设备200中的数据分析装置220可以利用如上所述的欺诈检测规则来分析支付请求、以及所收集的关于发出支付请求的车辆100的信息和关于车辆标识所标识的车辆(例如车辆i)的状态的车辆数据，以实现支付请求的欺诈检测。欺诈检测设备200可以被集成在各种车辆收费系统中，例如停车场的停车收费系统、路侧电子停车收费桩、在路桥收费站中的ETC电子不停车收费系统、加油机收费系统、新能源车充电收费系统等。The data analysis means 220 in the fraud detection apparatus 200 of this embodiment can use the fraud detection rules as described above to analyze the payment request, as well as the collected information about the vehicle 100 that issued the payment request and about the vehicle identified by the vehicle identification ( Vehicle data such as the status of vehicle i) to enable fraud detection of payment requests. The fraud detection device 200 can be integrated in various vehicle charging systems, such as parking charging systems in car parks, roadside electronic parking charging piles, ETC electronic non-stop charging systems in road and bridge toll booths, fuel dispenser charging systems, new energy car charging system, etc.
发出支付请求的车辆100可以采用电子方式(例如利用电子芯片卡、磁卡等为介质的支付卡，或是以无线方式)发出支付请求。接收机210则以相应的电子方式接收支付请求，同时利用通信装置230从远程服务器300接收关于车辆标识所标识的车辆i的状态的车辆数据，由数据分析装置220依据欺诈检测规则进行分析处理，以验证支付请求。通过判断车辆100是否是车辆i，可以确定车辆100的支付请求是否是欺诈性的。The vehicle 100 issuing the payment request may issue the payment request in an electronic manner (eg, a payment card using an electronic chip card, a magnetic card, etc. as a medium, or in a wireless manner). The receiver 210 receives the payment request in a corresponding electronic manner, and at the same time uses the communication device 230 to receive vehicle data about the state of the vehicle i identified by the vehicle identification from the remote server 300, and is analyzed and processed by the data analysis device 220 according to the fraud detection rule, to verify the payment request. By determining whether vehicle 100 is vehicle i, it can be determined whether the payment request for vehicle 100 is fraudulent.
发出支付请求的车辆100的车辆标识例如可以通过车主使用其所持有的含有车辆标识的支付卡在发出支付请求时由收费设备和/或接收机210来获取，也可以通过车辆收费设备处设置的车辆牌照识别系统来自动获取。For example, the vehicle identification of the vehicle 100 that sends the payment request may be obtained by the vehicle owner using the payment card containing the vehicle identification held by the vehicle owner when the payment request is issued by the charging device and/or the receiver 210, or may be set at the vehicle charging device. The vehicle license plate recognition system to automatically obtain.
在该实施例中，欺诈检测系统包括：欺诈检测设备200；以及远程服务器300，被配置为接收和存储关于多个车辆的状态的车辆数据，其中，车辆数据是由多个车辆(如车辆1，…，车辆i，…，车辆N)上的传感器采集、并以无线方式传送到远程服务器300，远程服务器300收集这些车辆数据并建立车辆状态数据库以用于欺诈检测。In this embodiment, the fraud detection system includes: a fraud detection device 200; and a remote server 300 configured to receive and store vehicle data regarding the status of a plurality of vehicles, wherein the vehicle data is generated by a plurality of vehicles (eg, vehicle 1 ). , . . , vehicle i, .
图4示出根据本发明实施例的用于处理支付请求的方法流程图。该流程图涉及处理支付请求的整个过程。首先，由数据采集器收集各个车辆上设置的传感器所检测的关于车辆状态的数据，并将这些数据传送到远程服务器；由欺诈检测系统管理和配置各种欺诈检测规则。当任何一个针对基于车辆的支付的电子收费设备接受到输入的支付请求时，被集成在一起的欺诈检测设备从远程服务器的数据库中获取相关车辆标识所标识的车辆的状态的车辆数据，并依据欺诈检测规则进行数据分析，以检测支付请求是否存在欺诈。如果判断该支付请求是欺诈性的，则由收费设备拒绝该支付请求，并报告车辆标识所标识的车辆的车主，询问是否需要向公安或交管部门报案；如果车主表示需要报案，则可在服务后台报告遭遇的关于支付请求的欺诈，以提示相关部门及时介入相关调查。如果欺诈检测设备在进行数据分析后判断支付请求不是欺诈性的，而是正常的支付请求，则从服务商后台获得关于支付交易的账单信息；当账单被验证无误时，针对支付请求进行结算支付，并通知支付完成，整个过程结束。FIG. 4 shows a flowchart of a method for processing a payment request according to an embodiment of the present invention. This flowchart covers the entire process of processing a payment request. First, the data about the vehicle status detected by the sensors provided on each vehicle is collected by the data collector and transmitted to the remote server; various fraud detection rules are managed and configured by the fraud detection system. When an incoming payment request is received by any of the electronic toll collection devices for vehicle-based payment, the integrated fraud detection device obtains vehicle data from the database of the remote server about the status of the vehicle identified by the relevant vehicle identification, and based on the Fraud detection rules perform data analysis to detect fraudulent payment requests. If it is judged that the payment request is fraudulent, the toll collection device will reject the payment request and report the owner of the vehicle identified by the vehicle logo to ask whether it is necessary to report the case to the public security or traffic control department; Frauds about payment requests are reported in the background to prompt relevant departments to intervene in relevant investigations in a timely manner. If the fraud detection device determines that the payment request is not fraudulent, but a normal payment request after data analysis, it will obtain the billing information about the payment transaction from the service provider's background; when the bill is verified to be correct, the payment request will be settled and paid for , and notify that the payment is complete and the whole process is over.
本发明的实施例所提供的欺诈检测方法、设备和系统利用基于车辆的支付所独有的特性，能够针对基于车辆的支付实现有效的支付欺诈检测，以确保支付安全和降低支付业务损失。本发明的实施例所提供的欺诈检测方法、设备和系统能够基于现有的车辆传感器提供一种更加精准的欺诈检测机制，并且成本较低。The fraud detection method, device and system provided by the embodiments of the present invention utilize the unique characteristics of vehicle-based payment, and can implement effective payment fraud detection for vehicle-based payment, so as to ensure payment security and reduce payment service losses. The fraud detection method, device and system provided by the embodiments of the present invention can provide a more accurate fraud detection mechanism based on existing vehicle sensors, and the cost is lower.
以上所述实施例描述了本发明的具体实施方式，均为说明性的而非限制性的。本领域技术人员应该理解，针对上述实施例可以做出各种适当的改变和调整而不会背离本发明的思想。本发明的保护范围应该由权利要求书来限定。The above-described embodiments describe specific embodiments of the present invention, and are illustrative rather than restrictive. Those skilled in the art should understand that various appropriate changes and adjustments can be made to the above-described embodiments without departing from the spirit of the present invention. The protection scope of the present invention should be defined by the claims.
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| CN201811563688.9ACN111353782A (en) | 2018-12-20 | 2018-12-20 | Fraud detection method, apparatus and system for vehicle-based payments |
| PCT/EP2019/085235WO2020126965A1 (en) | 2018-12-20 | 2019-12-16 | Fraud detection method, apparatus and system for vehicle-based payment |
| DE112019006333.2TDE112019006333A5 (en) | 2018-12-20 | 2019-12-16 | FRAUD DETECTION METHOD, DEVICE AND SYSTEM FOR VEHICLE-BASED PAYMENT |
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