CN113989949A

CN113989949A - ETC payment method, ETC payment device, ETC payment server and ETC payment medium

Info

Publication number: CN113989949A
Application number: CN202111262862.8A
Authority: CN
Inventors: 柳力源
Original assignee: Bank of China Ltd
Current assignee: Bank of China Ltd
Priority date: 2021-10-28
Filing date: 2021-10-28
Publication date: 2022-01-28

Abstract

The application discloses an ETC payment method, an ETC payment device, a ETC payment server and an ETC payment medium, which can be applied to the financial field or other fields. The user can bind the ETC payment account with the payment account number through logging in the client of the ETC payment account; the payment account and the ETC payment account can be unbound through a client logged in with the ETC payment account; when the vehicle passes through the ETC channel, the unique identification of the vehicle can be obtained, and an ETC payment account associated with the unique identification is obtained; thereby, the payment account number bound with the ETC payment account can be obtained. And deducting the corresponding amount in the balance corresponding to the payment account. The ETC payment account is designed ingeniously, so that the user can bind or unbind the payment account number and the ETC payment account through logging in the client side of the ETC payment account, and the operation is simple and convenient.

Description

ETC payment method, ETC payment device, ETC payment server and ETC payment medium

Technical Field

The application relates to the technical field of electronic toll collection, in particular to an Electronic Toll Collection (ETC) payment method, device, server and medium.

Background

ETC (Electronic Toll Collection) induction equipment is installed on the vehicle, a express card needs to be inserted into the ETC induction equipment on the vehicle, and the express card is bound with a bank card. And if the payment is carried out, deducting the balance in the bank card bound with the express card.

If the user needs to replace the bank card bound with the express card, the user needs to go to a bank to handle the change procedure, which leads to complicated operation.

Disclosure of Invention

In view of the above, the present application provides an ETC payment method, an ETC payment device, a ETC payment server and a ETC payment medium.

In order to achieve the above purpose, the present application provides the following technical solutions:

according to a first aspect of the embodiments of the present disclosure, there is provided an Electronic Toll Collection (ETC) payment method, including:

acquiring a unique identifier of a vehicle;

acquiring an ETC payment account associated with the unique identifier;

acquiring a payment account number bound with the ETC payment account, wherein the payment account number comprises: at least one of at least one bank card number, at least one credit card number;

the ETC payment account is bound with the ETC payment account through a client logged in with the ETC payment account; the payment account number can be unbound with the ETC payment account through a client logged in with the ETC payment account;

and deducting the corresponding amount in the balance corresponding to the payment account.

According to a first aspect of embodiments of the present disclosure, in a first optional implementation, the obtaining a unique identifier of a vehicle includes:

the method comprises the steps of obtaining an ETC identification stored by an ETC induction device installed on a vehicle, wherein a express card is not inserted into the ETC induction device;

and determining the ETC identification as the unique identification.

According to the first aspect of the embodiments of the present disclosure, in a second optional implementation manner, registering the ETC identifier of the ETC sensing device includes:

acquiring identity information and vehicle information;

and if the identity information passes the verification and corresponds to the vehicle information, distributing the ETC induction device with the corresponding ETC identification.

According to the first aspect of the embodiments of the present disclosure, in a third optional implementation, the method further includes:

and checking payment record information through a client logged with the ETC payment account.

According to a second aspect of the embodiments of the present disclosure, there is provided an Electronic Toll Collection (ETC) payment device, comprising:

the first acquisition module is used for acquiring the unique identifier of the vehicle;

a second obtaining module, configured to obtain an ETC payment account associated with the unique identifier;

a third obtaining module, configured to obtain a payment account number bound to the ETC payment account, where the payment account number includes: at least one of at least one bank card number, at least one credit card number;

and the deduction module is used for deducting the corresponding amount in the balance corresponding to the payment account.

According to a second aspect of the embodiments of the present disclosure, in a first optional implementation manner, the first obtaining module includes:

the system comprises an acquisition unit, a display unit and a control unit, wherein the acquisition unit is used for acquiring an ETC identifier stored by an ETC induction device installed on a vehicle, and the ETC induction device is not inserted with a express card;

and the determining unit is used for determining the ETC identification as the unique identification.

According to the second aspect of the embodiments of the present disclosure, in a second optional implementation, the method further includes:

the fourth acquisition module is used for acquiring the identity information and the vehicle information;

and the distribution module is used for distributing the ETC induction device with the corresponding ETC identification if the identity information passes the verification and corresponds to the vehicle information.

According to the second aspect of the embodiments of the present disclosure, in a third optional implementation, the method further includes:

and the checking module is used for checking payment record information through a client logged with the ETC payment account.

According to a third aspect of the embodiments of the present disclosure, there is provided a server, including:

a processor;

a memory for storing the processor-executable instructions;

wherein the processor is configured to execute the instructions to implement the ETC payment method according to the first aspect.

According to a fourth aspect of embodiments of the present disclosure, there is provided a computer-readable storage medium having instructions therein which, when executed by a processor of a server, enable the server to perform the electronic toll collection, ETC, payment method according to the first aspect.

According to the technical scheme, in the ETC payment method provided by the application, the user can bind the ETC payment account and the payment account number through the client logged in with the ETC payment account; the payment account and the ETC payment account can be unbound through a client logged in with the ETC payment account; when the vehicle passes through the ETC channel, the unique identification of the vehicle can be obtained, and an ETC payment account associated with the unique identification is obtained; thereby, the payment account number bound with the ETC payment account can be obtained. And deducting the corresponding amount in the balance corresponding to the payment account. The ETC payment account is designed ingeniously, so that the user can bind or unbind the payment account number and the ETC payment account through logging in the client side of the ETC payment account, and the operation is simple and convenient.

Drawings

In order to more clearly illustrate the embodiments of the present application or the technical solutions in the prior art, the drawings needed to be used in the description of the embodiments or the prior art will be briefly introduced below, it is obvious that the drawings in the following description are only embodiments of the present application, and for those skilled in the art, other drawings can be obtained according to the provided drawings without creative efforts.

FIG. 1 is a diagram illustrating a hardware architecture according to an embodiment of the present application;

fig. 2 is a flowchart of an ETC payment method provided in an embodiment of the present application;

fig. 3 is a structural diagram of an Electronic Toll Collection (ETC) payment device according to an embodiment of the present application;

fig. 4 is a block diagram illustrating an apparatus for a server in accordance with an example embodiment.

Detailed Description

The technical solutions in the embodiments of the present application will be clearly and completely described below with reference to the drawings in the embodiments of the present application, and it is obvious that the described embodiments are only a part of the embodiments of the present application, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present application.

The embodiment of the application provides an ETC payment method, an ETC payment device, a server, a readable storage medium and a computer program product. Before introducing the technical solutions provided in the embodiments of the present application, a hardware architecture related to the present application is described.

Fig. 1 is a schematic diagram of a hardware architecture according to an embodiment of the present application, where the hardware architecture includes: ETC sensing device 11, electronic device 12, ETC transceiving device 13, server 14, charging system 15.

Illustratively, the ETC sensing device 11 is mounted on a vehicle. For example, the ETC sensing device may be mounted at a front windshield of a vehicle.

Illustratively, the ETC sensing device 11 is capable of storing an ETC identifier, and when passing through an ETC toll gate, the ETC identifier can be transmitted to the ETC transceiver device 13 through the wireless transmission module. The ETC sensing device 11 is, for example, an RFID (Radio Frequency Identification) sensor.

ETC identification is different for different vehicles. The ETC identification is an identification card of the vehicle.

For example, the ETC sensing device in the embodiment of the present application may not be inserted into a express card, i.e., an IC card. Because the express card does not need to be inserted, the problem that payment cannot be carried out due to poor contact between the express card and the ETC induction device is solved.

For example, the ETC sensing device in the embodiment of the present application may be inserted into a express card, i.e., an IC card.

For example, the ETC transceiver device 13 may be provided at the ETC passage. And receiving the ETC identification stored by the ETC induction equipment. And sends the ETC identification to the server 14.

The server 14 may be, for example, one server, a server cluster composed of a plurality of servers, or a cloud computing server center. The server 14 may include a processor, memory, and a network interface, among others.

For example, the server 14 may store a corresponding relationship between the ETC identifier and the ETC payment account in advance, and the ETC payment account corresponding to the ETC identifier uploaded by the ETC sensing device may be obtained through the corresponding relationship.

For example, the server 14 may further store a corresponding relationship between the ETC identifier and vehicle information, for example, the vehicle information includes but is not limited to: at least one of identity information of an owner of the vehicle, a vehicle category, a license plate number, road operation information, and toll status information.

For example, the server 14 may further store a corresponding relationship between the ETC payment account and the payment account number.

For example, the payment account number may be one or more of a bank card account number, a credit card account number, a payment application account number.

For example, the payment application account may be a paymate account or a wechat account.

For example, the corresponding relationship between the ETC payment account and the payment account may be set by the client after the user logs in the client through the ETC payment account.

Illustratively, the electronic device 12 is operated with the client described above.

For example, the electronic device 12 may be any electronic product capable of interacting with a user through one or more of a keyboard, a touch PAD, a touch screen, a remote controller, a voice interaction device, a handwriting device, and the like, for example, a mobile phone, a notebook computer, a tablet computer, a palm computer, a personal computer, a wearable device, a smart television, a PAD, and the like.

Illustratively, the process of adding a payment account by a client is as follows: clicking a payment account adding button; entering a user interface for adding a bank card or a credit card or a payment application program account; if the addition of the bank card (or the credit card) is determined, inputting a bank card number (or a credit card number) and user information; and if the bank card number is matched with the user information, determining that the bank card is added.

Illustratively, the user information may include: and the user identity information (at least one of biological characteristics such as fingerprints, human faces, voiceprints and the like or an identity card number.

For example, if a user needs to unbind a corresponding relationship between a certain payment account and an ETC payment account, the user can log in a client through the ETC payment account and then set the client through the client.

Illustratively, the process of unbinding a payment account by a client is as follows: and determining a payment account number (bank card number or credit card number) to be unbound, and finishing the corresponding relation between the payment account number and the ETC payment account if the binding is selected to be unbound.

It can be understood that, when carrying out ETC payment, can use the payment account number that binds with ETC payment account to pay and pay, can not use the payment account number that binds with ETC payment account unbinding.

In summary, in the ECT payment method provided in the embodiment of the present application, a user can bind or unbind a payment account at will by logging in a client having an ETC payment account according to a self condition (for example, which payment account has a balance) and a marketing condition (for example, which payment account has a benefit during payment), and the ECT payment method is simple in operation and is beneficial to reasonable competition in the market.

In an alternative implementation, the user completes the registration of the ETC payment account by means such as an application or a wechat applet.

For example, the ETC payment account and the payment account number may be set by a client operating the electronic device 12 and then sent to the server 14.

In an optional implementation manner, after finding the payment account corresponding to the ETC payment account associated with the ETC identifier sent by the ETC sensing device, the server 14 may send an instruction for deducting the corresponding amount from the payment account to the charging system 15.

Illustratively, the charging system 15 may comprise a server. The server may be, for example, one server, a server cluster composed of a plurality of servers, or a cloud computing server center. The server may include a processor, memory, and a network interface, among others.

Illustratively, if the payment account is a bank card number or a credit card number, the charging system 15 is a server of a bank. For example, if the payment account is a payment application account number, the charging system may be a server of a third party.

It will be understood by those skilled in the art that the foregoing electronic devices and servers are merely exemplary and that other existing or future electronic devices or servers may be suitable for use with the present disclosure and are intended to be included within the scope of the present disclosure and are hereby incorporated by reference.

With reference to the hardware architecture, the ETC payment method provided in the embodiment of the present application is described below, and the method may be applied to the server 14.

As shown in fig. 2, a flowchart of an ETC payment method provided in an embodiment of the present application includes the following steps S21 to S24.

Step S21: a unique identification of the vehicle is obtained.

For example, the unique identifier of the vehicle may be an ETC identifier stored by an ETC sensing device mounted to the vehicle.

For example, the ETC identification may be obtained based on at least one of identity information of the user and vehicle information.

For example, the unique identification of the vehicle may be derived based on the number plate.

Step S22: and acquiring the ETC payment account associated with the unique identifier.

For example, the user may go to a bank to transact an associated transaction to associate the unique identifier with the ETC payment account.

For example, a user may register to obtain an ETC payment account, and then establish an association relationship between the unique identifier and the ETC payment account by logging in a client of the ETC payment account.

Step S23: acquiring a payment account number bound with the ETC payment account, wherein the payment account number comprises: at least one of at least one bank card number, at least one credit card number.

The ETC payment account is bound with the ETC payment account through a client logged in with the ETC payment account; the payment account number can be unbound with the ETC payment account through a client logged in with the ETC payment account.

Step S24: and deducting the corresponding amount in the balance corresponding to the payment account.

For example, the step S24 may be performed in real time, that is, during the vehicle passing through the ETC channel, the step S24 may be performed; for example, the step S24 may be non-real time, that is, after the vehicle passes through the ETC channel, the step S24 is executed at a preset time interval.

For example, the preset time period may be 2 hours, 1 day, 1 week, 1 month, and the like.

For example, if there are a plurality of payment accounts, the payment priority level of the payment account may be set.

For example, if there are 3 payment accounts, and they are: the method comprises the steps of (1) bank card number, 2 bank card number and 3 bank card number; the payment priority level is as follows: the number of the bank card 1 is more than the number of the bank card 2 is more than the number of the bank card 3. In making the payment, the following steps may be performed:

if the balance in the bank card number 1 is detected to be larger than or equal to the balance required to be deducted, deducting the corresponding balance from the bank card number 1;

if the balance in the bank card number 1 is detected to be less than the balance required to be deducted and the balance in the bank card number 2 is detected to be more than or equal to the balance required to be deducted, deducting the corresponding balance from the bank card number 2; or if the balance in the bank card number 1 is detected to be less than the balance required to be deducted and the balance in the bank card number 2 is detected to be more than or equal to the balance required to be deducted, deducting all the balances from the bank card number 1, and then deducting the difference value between the amount required to be deducted and all the balances of the bank card number 1 from the bank card number 2. The following analogy is not limited herein.

According to the ETC payment method provided by the embodiment of the application, a user can bind an ETC payment account and a payment account number through a client logged in with the ETC payment account; the payment account and the ETC payment account can be unbound through a client logged in with the ETC payment account; when the vehicle passes through the ETC channel, the unique identification of the vehicle can be obtained, and an ETC payment account associated with the unique identification is obtained; thereby, the payment account number bound with the ETC payment account can be obtained. And deducting the corresponding amount in the balance corresponding to the payment account. The ETC payment account is designed ingeniously, so that the user can bind or unbind the payment account number and the ETC payment account through logging in the client side of the ETC payment account, and the operation is simple and convenient.

In an alternative implementation, the implementation of step S21 includes the following steps a11 through a 12.

Step A11: and acquiring the ETC identification stored by an ETC induction device installed on the vehicle, wherein the ETC induction device is not inserted with a express card.

Step A12: and determining the ETC identification as the unique identification.

In an alternative implementation, the ETC sensing device also needs to be registered. For example, a user may be registered on the internet to obtain an ETC sensing device having a corresponding ETC identification, and the bank may mail the user with the ETC sensing device having the corresponding ETC identification. For example, a user may go to a bank to register for an ETC sensing device with a corresponding ETC identification.

For example, the ETC identifier stored in the ETC sensing device needs to be set by a bank, so that the ETC identifier stored in the ETC sensing device is prevented from being stolen.

In an alternative implementation, registering the ETC sensing device includes the following steps B11 to B13.

Step B11: identity information and vehicle information are acquired.

Exemplary, identity information includes, but is not limited to: at least one of biometric information of the user, a user identification number.

Exemplary, vehicle information includes, but is not limited to: at least one of identity information of an owner of the vehicle, a vehicle category, a license plate number, road operation information, and toll status information.

Step B12: and if the identity information passes the verification and corresponds to the vehicle information, distributing the ETC induction device with the corresponding ETC identification.

If the identity information passes the verification, the obtained identity information is matched with the pre-stored identity information. The identity information is corresponding to the vehicle information, which means that the obtained identity information is matched with the identity information of the vehicle information stored in advance.

For example, the ETC identifier may be one or more of a number, a letter, and a special symbol.

In an optional implementation manner, the method further includes:

The method is described in detail in the embodiments disclosed in the present application, and the method of the present application can be implemented by various types of apparatuses, so that an apparatus is also disclosed in the present application, and the following detailed description is given of specific embodiments.

As shown in fig. 3, a structure diagram of an Electronic Toll Collection (ETC) payment device provided in an embodiment of the present application includes: a first obtaining module 31, a second obtaining module 32, a third obtaining module 33, and a deduction module 34, wherein:

a first obtaining module 31, configured to obtain a unique identifier of a vehicle;

a second obtaining module 32, configured to obtain an ETC payment account associated with the unique identifier;

a third obtaining module 33, configured to obtain a payment account number bound to the ETC payment account, where the payment account number includes: at least one of at least one bank card number, at least one credit card number;

and the deduction module 34 is configured to deduct a corresponding amount from a balance corresponding to the payment account.

In an optional implementation manner, the first obtaining module includes:

In an optional implementation manner, the method further includes:

With regard to the apparatus in the above-described embodiment, the specific manner in which each module performs the operation has been described in detail in the embodiment related to the method, and will not be elaborated here.

Servers include, but are not limited to: a processor 41, a memory 42, a network interface 43, an I/O controller 44, and a communication bus 45.

It should be noted that the structure of the server shown in fig. 4 is not limited to the server, and the server may include more or less components than those shown in fig. 4, or some components may be combined, or a different arrangement of components may be used, as will be understood by those skilled in the art.

The following describes each component of the server in detail with reference to fig. 4:

the processor 41 is a control center of the server, connects various parts of the entire server using various interfaces and lines, and performs various functions of the server and processes data by running or executing software programs and/or modules stored in the memory 42 and calling data stored in the memory 42, thereby performing overall monitoring of the server. Processor 41 may include one or more processing units; illustratively, the processor 41 may integrate an application processor, which primarily handles operating systems, user interfaces, applications, etc., and a modem processor, which primarily handles wireless communications. It will be appreciated that the modem processor described above may not be integrated into the processor 41.

Processor 41 may be a Central Processing Unit (CPU), or an application Specific Integrated circuit (asic), or one or more Integrated circuits configured to implement embodiments of the present invention, etc.;

the Memory 42 may include Memory, such as a Random-Access Memory (RAM) 421 and a Read-Only Memory (ROM) 422, and may also include a mass storage device 423, such as at least 1 disk storage. Of course, the server may also include hardware needed for other services.

The memory 42 is configured to store the executable instructions of the processor 41. The processor 41 can implement the Electronic Toll Collection (ETC) payment method provided by the embodiment of the application.

A wired or wireless network interface 43 is configured to connect the server to a network.

The processor 41, the memory 42, the network interface 43, and the I/O controller 44 may be connected to each other by a communication bus 45, which may be an ISA (Industry Standard Architecture) bus, a PCI (Peripheral Component Interconnect) bus, an EISA (Extended Industry Standard Architecture) bus, or the like. The bus may be divided into an address bus, a data bus, a control bus, etc.

In an exemplary embodiment, the server may be implemented by one or more Application Specific Integrated Circuits (ASICs), Digital Signal Processors (DSPs), Digital Signal Processing Devices (DSPDs), Programmable Logic Devices (PLDs), Field Programmable Gate Arrays (FPGAs), controllers, micro-controllers, microprocessors or other electronic components for performing the above-described electronic toll collection, ETC, payment method.

In an exemplary embodiment, the disclosed embodiments provide a storage medium comprising instructions, such as the memory 42 comprising instructions, executable by the processor 41 of the server to perform the above-described method. Alternatively, the storage medium may be a non-transitory computer readable storage medium, which may be, for example, a ROM, a Random Access Memory (RAM), a CD-ROM, a magnetic tape, a floppy disk, an optical data storage device, and the like.

In an exemplary embodiment, a computer readable storage medium is provided, which is directly loadable into an internal memory of a computer, such as the memory 42 described above, and contains software codes, which when loaded and executed by the computer are able to carry out the steps of any of the embodiments of the ETC payment method described above.

In an exemplary embodiment, a computer program product is also provided, which is directly loadable into an internal memory of a computer, for example, a memory included in the server, and contains software codes, and which, when loaded and executed by the computer, is capable of implementing the steps of any of the embodiments of the ETC payment method described above.

The ETC payment method, the ETC payment device, the ETC payment server and the ETC payment medium can be used in the financial field or other fields, for example, ETC application scenes in the financial field. The above description is only an example, and does not limit the application fields of the ETC payment method, the ETC payment device, the ETC payment server, and the ETC payment medium provided by the present invention.

Note that the features described in the embodiments in the present specification may be replaced with or combined with each other. For the device or system type embodiment, since it is basically similar to the method embodiment, the description is simple, and for the relevant points, refer to the partial description of the method embodiment.

It is further noted that, herein, relational terms such as first and second, and the like may be used solely to distinguish one entity or action from another entity or action without necessarily requiring or implying any actual such relationship or order between such entities or actions. Also, the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, the use of the phrase "comprising a. -. said" to define an element does not exclude the presence of other like elements in a process, method, article, or apparatus that comprises the element.

The steps of a method or algorithm described in connection with the embodiments disclosed herein may be embodied directly in hardware, in a software module executed by a processor, or in a combination of the two. A software module may reside in Random Access Memory (RAM), memory, Read Only Memory (ROM), electrically programmable ROM, electrically erasable programmable ROM, registers, hard disk, a removable disk, a CD-ROM, or any other form of storage medium known in the art.

The previous description of the disclosed embodiments is provided to enable any person skilled in the art to make or use the present application. Various modifications to these embodiments will be readily apparent to those skilled in the art, and the generic principles defined herein may be applied to other embodiments without departing from the spirit or scope of the application. Thus, the present application is not intended to be limited to the embodiments shown herein but is to be accorded the widest scope consistent with the principles and novel features disclosed herein.

Claims

1. An ETC payment method, comprising:

acquiring a unique identifier of a vehicle;

acquiring an ETC payment account associated with the unique identifier;

2. The ETC payment method according to claim 1, wherein said obtaining a unique identification of a vehicle includes:

and determining the ETC identification as the unique identification.

3. The ETC payment method according to claim 2, wherein registering the ETC sensing device includes:

acquiring identity information and vehicle information;

4. The ETC payment method according to claims 1 to 3, further comprising:

5. The utility model provides an Electronic Toll Collection (ETC) payment device which characterized in that includes:

6. The ETC payment device of claim 5, wherein the first acquisition module comprises:

7. The ETC payment device of claim 6, further comprising:

8. The ETC payment device according to claims 5 to 7, further comprising:

9. A server, comprising:

a processor;

a memory for storing the processor-executable instructions;

wherein the processor is configured to execute the instructions to implement the ETC payment method according to any one of claims 1 to 4.

10. A computer-readable storage medium in which instructions, when executed by a processor of a server, enable the server to perform the electronic toll collection, ETC, payment method according to any one of claims 1 to 4.