[go: up one dir, main page]
More Web Proxy on the site http://driver.im/

CN117152857A - ETC system-based transaction method and device, vehicle-mounted unit and storage medium - Google Patents

ETC system-based transaction method and device, vehicle-mounted unit and storage medium Download PDF

Info

Publication number
CN117152857A
CN117152857A CN202310990568.1A CN202310990568A CN117152857A CN 117152857 A CN117152857 A CN 117152857A CN 202310990568 A CN202310990568 A CN 202310990568A CN 117152857 A CN117152857 A CN 117152857A
Authority
CN
China
Prior art keywords
balance
transaction
account
vehicle
unit
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Pending
Application number
CN202310990568.1A
Other languages
Chinese (zh)
Inventor
请求不公布姓名
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Shenzhen Chenggu Technology Co ltd
Original Assignee
Shenzhen Chenggu Technology Co ltd
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Shenzhen Chenggu Technology Co ltd filed Critical Shenzhen Chenggu Technology Co ltd
Priority to CN202310990568.1A priority Critical patent/CN117152857A/en
Publication of CN117152857A publication Critical patent/CN117152857A/en
Pending legal-status Critical Current

Links

Classifications

    • G—PHYSICS
    • 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
    • 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
    • G06Q20/04—Payment circuits
    • G06Q20/06—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
    • G06Q20/065—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme using e-cash
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
    • G06Q20/367—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes

Landscapes

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

Abstract

The application relates to the field of payment, and provides a transaction method and device based on an ETC system, a vehicle-mounted unit and a storage medium. The method comprises the following steps: receiving a balance check request sent by the ETC system through a road side unit; acquiring the account balance of the hard wallet in the quasi account mode in the vehicle-mounted unit according to the balance checking request, wherein the account balance is determined offline according to the recharging amount of the hard wallet and the consumption amount of the hard wallet; and determining whether the transaction is completed or not according to the account balance and the ETC consumption amount. Because the road side unit can modify the account balance of the hard wallet in the quasi account mode in the vehicle-mounted unit in an offline manner according to the standard ETC interaction flow, namely only the vehicle-mounted unit is required to be updated, the road side unit is not required to be updated, and the ETC system can realize ETC consumption transaction through the road side unit, so that the time cost and the economic cost of using digital currency by the ETC system are reduced.

Description

ETC system-based transaction method and device, vehicle-mounted unit and storage medium
Technical Field
The present application relates to the field of payment, and in particular, to a transaction method and apparatus for an ETC system, a vehicle-mounted unit, and a storage medium.
Background
ETC (english is called Electronic Toll Collection, chinese is called electronic toll collection system) is a modern toll collection method, and is generally applied to a toll collection scene of a vehicle. ETC system has advantages such as convenient, safety and economy, can provide high-efficient, smooth and easy highway traffic experience for the car owner.
With the advent and development of digital rmb technology, the circulation cost and time can be reduced because the digital rmb does not need to pass through a third party platform outside the transactor and the bank during the circulation process. As a new payment means, more convenience can be brought to the vehicle owner. However, in order for the ETC charging system to support digital rmb payment, software or hardware upgrades to the existing ETC charging system are required, and a lot of time and economic costs are required, so that the practicality of the scheme is low.
Disclosure of Invention
In view of the above, the embodiments of the present application provide a transaction method, device, vehicle-mounted unit and storage medium based on an ETC system, so as to solve the problem in the prior art that when the ETC charging system is used to support digital currency payment, software or hardware upgrade needs to be performed on the existing ETC charging system, and a great deal of time cost and economic cost are required, so that the practicality of the scheme is lower.
A first aspect of an embodiment of the present application provides a transaction method based on an ETC system, the method being performed by an on-board unit, the method comprising:
receiving a balance check request sent by the ETC system through a road side unit;
acquiring the account balance of the hard wallet in the quasi account mode in the vehicle-mounted unit according to the balance checking request, wherein the account balance is determined offline according to the recharging amount of the hard wallet and the consumption amount of the hard wallet;
and determining whether the transaction is completed or not according to the account balance and the ETC consumption amount.
With reference to the first aspect, in a first possible implementation manner of the first aspect, the account balance includes an online transaction balance and an IC card balance;
determining whether the transaction is completed according to the account balance and the ETC consumption amount comprises the following steps:
if the account balance is greater than or equal to the consumption amount consumed by the ETC, determining the IC card balance after the ETC consumption according to the difference value between the IC card balance and the consumption amount;
and if the account balance is smaller than the consumption amount of the ETC consumption, determining that the ETC consumption transaction fails.
With reference to the first possible implementation manner of the first aspect, in a second possible implementation manner of the first aspect, the method further includes:
when an online transaction request is received, if the account balance is greater than or equal to the transaction amount of the online transaction, determining the online transaction balance after the online transaction according to the difference between the online transaction balance and the transaction amount;
if the account balance is less than the transaction amount of the online transaction, determining that the online transaction fails at the present time.
With reference to any one of the first aspect to the second possible implementation manner of the first aspect, in a third possible implementation manner of the first aspect, the method further includes:
receiving recharging information of a hard wallet in the vehicle-mounted unit;
and updating the online transaction balance and the IC card balance in the account balance according to the recharging information.
With reference to the third possible implementation manner of the first aspect, in a fourth possible implementation manner of the first aspect, the recharging information of the hard wallet includes information for recharging an account of the hard wallet through a digital currency backend system;
receiving recharging information of the hard wallet in the vehicle-mounted unit, wherein the recharging information comprises the following steps:
when the vehicle-mounted unit establishes a communication link with the digital currency background system through an online transaction terminal, or the vehicle-mounted unit establishes a communication link with the digital currency background system through an intelligent terminal, account recharging information of a hard wallet of the digital currency background system is received through the communication link, wherein the intelligent terminal comprises a digital currency account which is bound with the hard wallet in advance.
With reference to the first aspect to the second aspect, and any one of the fourth possible implementation manners of the first aspect, in a fifth possible implementation manner of the first aspect, after determining whether to complete the present transaction according to the account balance and the ETC consumption amount, the method further includes:
and under the condition that the hard wallet establishes a communication link with the digital currency background system, uploading the records of ETC consumption to the digital currency background system, so that the digital currency background system updates the balance of the digital currency background system of the account of the hard wallet according to the uploaded records of ETC consumption.
With reference to the first aspect to the second aspect, and any one of the fourth possible implementation manners of the first aspect, in a sixth possible implementation manner of the first aspect, the method further includes:
acquiring the duration of an ETC consumption transaction record which is not uploaded and is included in the vehicle-mounted unit;
and returning the deduction amount of the ETC consumption transaction record to the account balance of the hard wallet under the condition that the duration is longer than the preset effective duration.
A second aspect of an embodiment of the present application provides an ETC system-based transaction apparatus, where a method corresponding to the apparatus is executed by an on-board unit, the apparatus includes:
a request receiving unit, configured to receive a balance check request sent by the ETC system through a roadside unit;
the balance obtaining unit is used for obtaining the account balance of the hard wallet in the quasi account mode in the vehicle-mounted unit according to the balance checking request, and the account balance is determined offline according to the recharging amount of the hard wallet and the consumption amount of the hard wallet;
and the transaction unit is used for determining whether the transaction is completed or not according to the account balance and the ETC consumption amount.
A third aspect of an embodiment of the present application provides an on-board unit comprising a memory, a processor and a computer program stored in the memory and executable on the processor, the processor implementing the steps of the method according to any one of the first aspects when the computer program is executed.
A fourth aspect of the embodiments of the present application provides a computer-readable storage medium storing a computer program which, when executed by a processor, implements the steps of the method according to any of the first aspects.
Compared with the prior art, the embodiment of the application has the beneficial effects that: according to the embodiment of the application, the vehicle-mounted unit receives a balance check request sent by the ETC system through the road side unit, the account balance in the hard wallet in the quasi-account mode in the vehicle-mounted unit is obtained according to the balance check request, and whether the transaction of the ETC consumption is completed or not is determined according to the account balance and the ETC consumption amount of the hard wallet. Because the road side unit can modify the account balance of the hard wallet in the quasi account mode in the vehicle-mounted unit in an offline manner according to the standard ETC interaction flow, namely only the vehicle-mounted unit is required to be updated, the road side unit is not required to be updated, and the ETC system can realize ETC consumption transaction through the road side unit, so that the time cost and the economic cost of using digital currency by the ETC system are reduced.
Drawings
In order to more clearly illustrate the technical solutions of the embodiments of the present application, the drawings that are needed in the embodiments or the description of the prior art will be briefly described below, it being obvious that the drawings in the following description are only some embodiments of the present application, and that other drawings may be obtained according to these drawings without inventive effort for a person skilled in the art.
Fig. 1 is a schematic diagram of an implementation scenario of a transaction method based on an ETC system according to an embodiment of the present application;
fig. 2 is a schematic diagram of an implementation flow of a transaction method based on an ETC system according to an embodiment of the present application;
fig. 3 is a schematic diagram of an implementation flow of a recharging process according to an embodiment of the present application;
FIG. 4 is a schematic representation of a balance change provided by an embodiment of the present application;
FIG. 5 is a schematic diagram of an ETC system-based transaction device according to an embodiment of the present application;
fig. 6 is a schematic diagram of an on-board unit according to an embodiment of the present application.
Detailed Description
In the following description, for purposes of explanation and not limitation, specific details are set forth such as the particular system architecture, techniques, etc., in order to provide a thorough understanding of the embodiments of the present application. It will be apparent, however, to one skilled in the art that the present application may be practiced in other embodiments that depart from these specific details. In other instances, detailed descriptions of well-known systems, devices, circuits, and methods are omitted so as not to obscure the description of the present application with unnecessary detail.
In order to illustrate the technical scheme of the application, the following description is made by specific examples.
When an ETC system is used to charge a vehicle, transaction flow information typically requires a complex series of clearing and settlement procedures. To provide a smooth pass experience, a pay-before-pass mode is typically implemented using a debit card. Although the efficiency of the pass can be improved, if the user does not pay the pass in time, even chooses to escape, economic losses are incurred to the bank or other settlement platform.
If the ETC system is combined with the digital currency scheme, large-scale software and hardware upgrading is required for the ETC charging system, and huge cost is generated for upgrading and reforming the ETC charging system due to the road side unit and the ETC system serving as road side infrastructure, so that the ETC charging system has lower practicability.
In order to solve the above problems, the embodiment of the application provides a transaction method based on an ETC system. Fig. 1 is a schematic diagram of an implementation scenario of a transaction method based on an ETC system according to an embodiment of the present application. As shown in fig. 1, this implementation scenario includes a digital money backend system, ETC system, road side unit RSU, and on-board unit OBU. The digital currency background system can control the digital currency to be transferred between the vehicle owner and the ETC server account based on ETC transaction flow information. The digital currency service such as recharging, presenting, binding, unbinding or loss reporting of the account by the user can be supported.
The ETC system may be deployed in a road segment center to manage ETC transactions in an area, including flow records, accounting, clearing and settlement. The ETC system may be in communication with one or more Road Side units (RSU, english, collectively referred to as Road Side Unit). The plurality of road side units are arranged On the road side or the portal frame, and the vehicle-mounted Unit (which is called OBU for short and is called On board Unit for English for short) is arranged On the vehicle for realizing the transaction method based On the ETC system in the embodiment of the application.
When the vehicle is driving on a road, a communication connection can be established with a road side unit of the road side. For example, the roadside unit may establish a communication link with the on-board unit based on a DSRC (english, all Dedicated Short Range Communications, chinese, abbreviated as dedicated short-range communication) protocol.
The on-board unit is deployed on the vehicle by way of front-loading or rear-loading and can interact with the roadside unit by way of DSRC communications to complete ETC charging. Compared with the traditional vehicle-mounted unit, the vehicle-mounted unit in the embodiment of the application is provided with a digital currency security chip, such as a digital RMB security chip and the like. The vehicle-mounted unit can support the hard wallet function of digital currency and the expansion application of the digital currency by arranging the digital currency security chip.
The hard wallet of digital currency in the on-board unit in the embodiments of the present application may be a quasi-account mode hard wallet. The hard wallet in the quasi account mode actually stores the balance of the wallet account, only the balance is modified in the transaction process, only one party of the transaction is required to upload the transaction record to the digital currency background system for verification, and the digital currency background system updates the balance information of the digital currency accounts of the two parties of the transaction. Using a quasi-account mode hard wallet, a single offline transaction can be implemented with the hard wallet side of the on-board unit offline. The hard wallet in the value mode relates to the transfer of the encrypted coin string, relates to the storage and management functions of digital currency, and needs the hardware function support of the digital currency security chip, while the road side unit of the current ETC system does not have corresponding capability, if the value mode is adopted, the road side unit needs to be modified, huge cost is generated, and the practicability is lower.
Fig. 2 is a schematic implementation flow chart of a transaction method based on an ETC system according to an embodiment of the present application, where an execution subject of the method may be a vehicle-mounted unit, and the method includes:
in S201, a balance check request sent by the ETC system through a roadside unit is received.
When the ETC system in the embodiment of the application interacts with the vehicle-mounted unit through the road side unit, the ETC system can interact with the vehicle-mounted unit according to the general flow of ETC. For example, before the ETC system sends the balance check request through the roadside unit, the method may further include:
2011: the road side unit periodically broadcasts BST (English is called Beacon Service Table, chinese is called beacon service table) signals, and waits for the on-board unit to access. After receiving the BST signal, the on-board unit transmits a VST (english, all called Vehicle Service Table, chinese, all called vehicle service list) signal in response.
2012: the road side unit and the vehicle-mounted unit perform security authentication based on ESAM (English is called Embedded Secure Access Module, chinese is called embedded security control module), PSAM (Chinese is called consumption security access module, english is called Purchase Secure Access Module), and mutually confirm legal identity information of the opposite side.
After the road side unit and the vehicle-mounted unit authenticate the legality of the identity information of the road side unit and the vehicle-mounted unit, the ETC system can send a balance checking request to the vehicle-mounted unit through the road side unit so as to acquire account balance in the vehicle-mounted unit.
The balance data of the vehicle-mounted unit in the embodiment of the application can comprise the balance of an IC card, the balance of online transaction and the balance of a hard wallet. The balance of the IC card is stored in the IC accounting card, and the vehicle-mounted unit can be freely read. In the ETC transaction and recharging process, after safety authentication is carried out, the balance of the IC card can be modified, and the balance of the IC card can be deducted during the ETC transaction.
The online transaction balance and the hard wallet balance are stored in a secure chip of digital currency. The on-board unit is free to read the online transaction balance and the hard wallet balance within the secure chip. The hard wallet balance is the background balance of the account of the hard wallet synchronized at the time of recharging. The balance of the online transaction is the balance used in the non-ETC transaction scene, including the balance after the automobile is refueled, the balance after the automobile is parked and the like. And the sum of the balance of the IC card and the balance of the online transaction is the account balance of the hard wallet of the vehicle-mounted unit.
Before the account balance of the hard wallet of the vehicle-mounted unit is consumed, the method can further comprise a process of recharging the hard wallet of the vehicle-mounted unit, as shown in fig. 3, and can comprise the following steps:
in S301, the hard wallet is bound to the soft wallet account.
If the on-board unit has never bound the personal soft wallet, a digital currency application may be opened in the mobile terminal, such as a cell phone, to bind the hard wallet of the on-board unit to the personal soft wallet account. The intelligent terminal can establish a communication link through an NFC communication mode or through a Bluetooth communication protocol.
In S302, a refill amount and an amount source are determined.
The source of the amount may be modified in a soft wallet application, i.e., in a digital currency application. Default preference is deducted from the soft wallet balance, i.e., the personal soft wallet (parent wallet). If the mother wallet balance is insufficient, it can be deducted from the mother wallet bound bank card.
In S303, the hard wallet balance is synchronously updated.
In the recharging process, the soft wallet application program is connected with the digital currency background system, and the background balance after the account of the hard wallet in the vehicle-mounted unit is recharged is synchronized to the hard wallet balance for storage. The balance of the IC card can be modified, and the value of the recharging amount can be increased on the basis of the original value.
In a possible implementation, if the on-board unit is already bound to the mother wallet, the account of the hard wallet can be recharged at the intelligent terminal through the digital currency application program in addition to recharging through the unit connection intelligent terminal. After recharging, if the on-board unit is networked in a transaction process such as filling a fuel station, city parking charging, etc., or a communication link is established with the digital currency backend system through the intelligent terminal, the digital currency backend system updates the settlement transaction amount to the hard wallet balance and the online transaction balance in the digital currency security chip in the on-board unit.
In S202, according to the balance checking request, an account balance of the hard wallet in the quasi account mode in the vehicle-mounted unit is obtained, and the account balance is determined offline according to the recharging amount of the hard wallet and the consumption amount of the hard wallet.
According to the balance checking request sent by the road side unit, the vehicle-mounted unit can read the online transaction balance in the digital currency security chip and the IC card balance. The online transaction balance is used in a non-ETC transaction scene, and the IC card balance is used in the ETC scene. The IC card balance can be modified in real time by ETC transactions, and by recharging processes. The IC card balance plus the online transaction balance is the actual available balance of the OBU, namely the account balance.
In S203, it is determined whether the transaction is completed according to the account balance and the ETC consumption amount.
And if the account balance is greater than or equal to the amount of the current transaction, allowing the current transaction. The transaction may be an ETC-consumed transaction. If the account balance is smaller than the amount of the current transaction, the amount required by the current transaction cannot be paid due to insufficient account balance of the hard wallet, and the transaction fails. If the vehicle is in ETC passage, it is not passed.
In addition, when the ETC consumption is paid using the IC card balance, the IC card balance may be smaller than the amount of the ETC consumption. Since the account balance is greater than the transaction amount, it may occur that the IC card balance is negative, but the account balance, i.e., the sum of the IC card balance and the online transaction balance, is greater than or equal to 0.
In a possible implementation, the current transaction may be an online transaction, the online transaction balance being used to pay the amount of the online transaction. If the balance of the online transaction is smaller than the amount to be paid in the online transaction, after the account balance is updated, the balance of the online transaction is negative, but the account balance, namely the sum of the balance of the IC card and the balance of the online transaction is greater than or equal to 0.
In the embodiment of the application, the off-line transaction record in the hard wallet in the vehicle-mounted unit encryption chip comprises the ETC consumption record modified by the balance of the IC card, and the ETC consumption record can be uploaded to the digital currency background system under the condition that the communication link between the hard wallet and the digital currency background system is established. The digital currency backend system may update a balance of an account in the digital currency backend system with respect to the hard wallet based on the uploaded ETC consumption record. For example, the transaction records of a hard wallet of an on-board unit occurring offline include: and after the ETC consumption record is uploaded to the digital currency background system, the digital currency background system updates the digital currency background system balance of the account of the hard wallet recorded in the system to be the original value-500 according to the uploaded ETC consumption record.
In the embodiment of the application, abnormal ETC consumption transaction may occur in the vehicle-mounted unit, so that the balance of the IC card in the hard wallet is deducted by mistake, the corresponding ETC consumption record is stored in the vehicle-mounted unit, and the ETC consumption record is not uploaded to the digital currency background system. In order to improve the accuracy of data, the embodiment of the application can set the effective duration of the ETC consumption record. If the duration of the ETC consumption record is longer than the effective duration of the ETC consumption record, the transaction can be considered to be a fake transaction, and the incorrectly deducted balance can be recharged to the online transaction balance of the vehicle-mounted unit.
Fig. 4 is a schematic table of balance change provided in an embodiment of the present application. As shown in fig. 4, in the initial stage, the IC card balance of the unused OBU is 300 ten thousand, and the hard wallet balance and the online transaction balance are both 0. The balance of the hard wallet is the digital currency background system balance of the account of the hard wallet synchronized in the last recharging. The digital currency background system balance of the hard wallet account is updated according to the uploaded consumption record, the online transaction record and the recharging record.
The mobile phone is used for recharging 500 yuan (namely transaction amount is +500 yuan) to the OBU, after recharging is completed, the balance of the IC card is 300 ten thousand and 500 yuan, the balance of the hard wallet is 500 yuan, the balance of the online transaction is 0 yuan, and the balance of the digital currency background system of the account of the hard wallet is 500 yuan.
The vehicles perform ETC traffic on the expressway once, and the traffic cost is 200 yuan (namely transaction amount is 200 yuan). After the transaction is completed, the balance of the IC card is updated to 300 ten thousand and 300 yuan. The hard wallet balance is still 500, as no new top-up is added and no background system data is received on-line. The ETC consumption record is not uploaded, and the digital currency backend system balance of the hard wallet account is not updated, still 500.
The vehicles perform ETC traffic on the expressway once, and the traffic cost is 200 yuan (namely transaction amount is 200 yuan). After the transaction is completed, the IC balance is updated to 300 ten thousand 100 yuan. The hard wallet balance is still 500, as no new top-up is added and no background system data is received on-line. The ETC consumption record is not uploaded, and the digital currency backend system balance of the hard wallet account is not updated, still 500.
The vehicles continue to run ETC on the expressway once, and the traffic cost is 200 yuan. At this time, the account balance is 100+0=100 yuan, the account balance is smaller than the toll, and the ETC consumption fails. The hard wallet balance is still 500, as no new top-up is added and no background system data is received on-line. The ETC consumption record is not uploaded, and the digital currency backend system balance of the hard wallet account is not updated, still 500.
The vehicle-mounted unit is connected with the intelligent terminal, and the ETC consumption record can be uploaded to the ETC system through the digital currency application program. Because of the delay in the running settlement of ETC transactions, the digital currency backend system is updated to a hard wallet balance still 500 yuan. If the ETC system settles in the digital money backend system, the hard wallet balance of the unit is updated to 100 yuan. The balance of the IC card is still 300 ten thousand 100 yuan, and the balance of the online transaction is 0 yuan.
After the mobile phone is connected with the vehicle-mounted unit and is recharged by 300 yuan (namely transaction amount is +300 yuan), the balance of the IC card is changed into 300 ten thousand and 400, the sum of the balance of the IC card and the balance of the online transaction is uploaded to a data currency background system, the balance is updated into 400 yuan, the balance updated by the background system is received by a hard wallet, the value is changed into 400 yuan, and the online transaction amount is 0 yuan.
When urban consumption is carried out, the digital currency background system is updated to 600 yuan by recharging 200 yuan through networking. Since the digital money backend system is not updated to the hard wallet and IC card of the on-board unit. The balance of the IC card is 300 ten thousand yuan 400, the balance of the hard wallet is 400 yuan, and the balance of the online transaction is 0 yuan. The on-board unit needs to be networked once to synchronize the recharge amount. When the on-board unit makes one non-ETC consumption, assuming that the transaction amount for the non-ETC consumption (such as the gas station consumption) is 50 yuan, the charged 200 yuan is loaded to the online transaction balance. At this time, the balance of the IC card is 300 ten thousand zero 400 yuan, the balance of the hard wallet is 400+200-50=550 yuan, and the balance of the online transaction is 200-50=150 yuan.
In the transaction process, the account balance, namely the available balance, is the sum of the balance of the IC card and the balance of the online transaction. If the IC card balance is 300 ten thousand plus, 300 ten thousand minus one more is required. If the sum of the IC card balance and the online transaction balance, i.e., the account balance, is greater than the transaction amount, the transaction may proceed normally, in which case the IC card balance or the online transaction balance may be negative. For example, when the balance of the IC card is 300 ten thousand zero 400 yuan, the balance of the hard wallet is 550 yuan, the balance of the online transaction is 150 yuan, the online digital currency transaction of non-ETC of 200 yuan can be carried out, after the transaction is completed, the balance of the IC card is 300 ten thousand zero 400 yuan, the balance of the hard wallet is 350 yuan, and the balance of the online transaction is-50 yuan.
In addition, when an abnormal ETC transaction is performed by the OBU, the balance of the IC card may be deducted by mistake, and the corresponding flow record is stored in the OBU. But will not be settled to the account of the hard wallet of the digital currency background system, therefore, when the intelligent terminal such as a mobile phone is connected with the OBU to recharge each time, the transaction flow information stored by the OBU needs to be read, if the transaction record has exceeded the flow settlement date of the preset duration, the transaction is considered to be a 'fake transaction', and the wrongly deducted balance can be recharged into the online transaction balance of the OBU or the IC card balance of the OBU.
If the OBU user needs to present the balance of the hard wallet in the OBU, and the application of the corresponding amount of money needs to be submitted on the digital currency application program, waiting for a preset time period, for example, after a running settlement period, confirming that the account balance is not used for ETC transaction, the balance of the hard wallet can be transferred to other digital rmb accounts or bank accounts.
It should be understood that the sequence number of each step in the foregoing embodiment does not mean that the execution sequence of each process should be determined by the function and the internal logic, and should not limit the implementation process of the embodiment of the present application.
Fig. 5 is a schematic diagram of a transaction device based on an ETC system according to an embodiment of the present application, where, as shown in fig. 5, the device includes:
a request receiving unit 501, configured to receive a balance check request sent by the ETC system through a roadside unit.
The balance obtaining unit 502 is configured to obtain, according to the balance viewing request, an account balance of the hard wallet in the quasi account mode in the vehicle unit, where the account balance is determined offline according to a recharge amount of the hard wallet and a consumption amount of the hard wallet.
And a transaction unit 503, configured to determine whether to complete the transaction according to the account balance and the ETC consumption amount.
The ETC system-based transaction apparatus shown in fig. 5 corresponds to the ETC system-based transaction method shown in fig. 2.
Fig. 6 is a schematic diagram of an on-board unit according to an embodiment of the present application. As shown in fig. 6, the in-vehicle unit 6 of this embodiment includes: a processor 60, a memory 61 and a computer program 62 stored in said memory 61 and executable on said processor 60, for example a transaction program based on an ETC system. The processor 60, when executing the computer program 62, implements the steps described above in each of the ETC system-based transaction method embodiments. Alternatively, the processor 60, when executing the computer program 62, performs the functions of the modules/units of the apparatus embodiments described above.
Illustratively, the computer program 62 may be partitioned into one or more modules/units that are stored in the memory 61 and executed by the processor 60 to complete the present application. The one or more modules/units may be a series of computer program instruction segments capable of performing a specific function for describing the execution of the computer program 62 in the on-board unit 6.
The on-board unit may include, but is not limited to, a processor 60, a memory 61. It will be appreciated by those skilled in the art that fig. 6 is merely an example of the in-vehicle unit 6 and is not intended to limit the in-vehicle unit 6, and may include more or fewer components than shown, or may combine certain components, or different components, e.g., the in-vehicle unit may further include input-output devices, network access devices, buses, etc.
The processor 60 may be a central processing unit (Central Processing Unit, CPU), other general purpose processors, digital signal processors (Digital Signal Processor, DSP), application specific integrated circuits (Application Specific Integrated Circuit, ASIC), field-programmable gate arrays (Field-Programmable Gate Array, FPGA) or other programmable logic devices, discrete gate or transistor logic devices, discrete hardware components, or the like. A general purpose processor may be a microprocessor or the processor may be any conventional processor or the like.
The memory 61 may be an internal storage unit of the on-board unit 6, such as a hard disk or a memory of the on-board unit 6. The memory 61 may also be an external storage device of the on-board unit 6, such as a plug-in hard disk, a Smart Media Card (SMC), a Secure Digital (SD) Card, a Flash memory Card (Flash Card) or the like, which are provided on the on-board unit 6. Further, the memory 61 may also include both an internal storage unit and an external storage device of the in-vehicle unit 6. The memory 61 is used for storing the computer program as well as other programs and data required by the on-board unit. The memory 61 may also be used for temporarily storing data that has been output or is to be output.
It will be apparent to those skilled in the art that, for convenience and brevity of description, only the above-described division of the functional units and modules is illustrated, and in practical application, the above-described functional distribution may be performed by different functional units and modules according to needs, i.e. the internal structure of the apparatus is divided into different functional units or modules to perform all or part of the above-described functions. The functional units and modules in the embodiment may be integrated in one processing unit, or each unit may exist alone physically, or two or more units may be integrated in one unit, where the integrated units may be implemented in a form of hardware or a form of a software functional unit. In addition, the specific names of the functional units and modules are only for distinguishing from each other, and are not used for limiting the protection scope of the present application. The specific working process of the units and modules in the above system may refer to the corresponding process in the foregoing method embodiment, which is not described herein again.
In the foregoing embodiments, the descriptions of the embodiments are emphasized, and in part, not described or illustrated in any particular embodiment, reference is made to the related descriptions of other embodiments.
Those of ordinary skill in the art will appreciate that the various illustrative elements and algorithm steps described in connection with the embodiments disclosed herein may be implemented as electronic hardware, or combinations of computer software and electronic hardware. Whether such functionality is implemented as hardware or software depends upon the particular application and design constraints imposed on the solution. Skilled artisans may implement the described functionality in varying ways for each particular application, but such implementation decisions should not be interpreted as causing a departure from the scope of the present application.
In the embodiments provided in the present application, it should be understood that the disclosed apparatus/terminal device and method may be implemented in other manners. For example, the apparatus/terminal device embodiments described above are merely illustrative, e.g., the division of the modules or units is merely a logical function division, and there may be additional divisions in actual implementation, e.g., multiple units or components may be combined or integrated into another system, or some features may be omitted or not performed. Alternatively, the coupling or direct coupling or communication connection shown or discussed may be an indirect coupling or communication connection via interfaces, devices or units, which may be in electrical, mechanical or other forms.
The units described as separate units may or may not be physically separate, and units shown as units may or may not be physical units, may be located in one place, or may be distributed on a plurality of network units. Some or all of the units may be selected according to actual needs to achieve the purpose of the solution of this embodiment.
In addition, each functional unit in the embodiments of the present application may be integrated in one processing unit, or each unit may exist alone physically, or two or more units may be integrated in one unit. The integrated units may be implemented in hardware or in software functional units.
The integrated modules/units, if implemented in the form of software functional units and sold or used as stand-alone products, may be stored in a computer readable storage medium. Based on this understanding, the present application may also be implemented by implementing all or part of the procedures in the methods of the above embodiments, and the computer program may be stored in a computer readable storage medium, where the computer program when executed by a processor may implement the steps of the respective method embodiments. Wherein the computer program comprises computer program code which may be in source code form, object code form, executable file or some intermediate form etc. The computer readable medium may include: any entity or device capable of carrying the computer program code, a recording medium, a U disk, a removable hard disk, a magnetic disk, an optical disk, a computer Memory, a Read-Only Memory (ROM), a random access Memory (RAM, random Access Memory), an electrical carrier signal, a telecommunications signal, a software distribution medium, and so forth. It should be noted that the computer readable medium may include content that is subject to appropriate increases and decreases as required by jurisdictions in which such content is subject to legislation and patent practice, such as in certain jurisdictions in which such content is not included as electrical carrier signals and telecommunication signals.
The above embodiments are only for illustrating the technical solution of the present application, and not for limiting the same; although the application has been described in detail with reference to the foregoing embodiments, it will be understood by those of ordinary skill in the art that: the technical scheme described in the foregoing embodiments can be modified or some technical features thereof can be replaced by equivalents; such modifications and substitutions do not depart from the spirit and scope of the technical solutions of the embodiments of the present application, and are intended to be included in the scope of the present application.

Claims (10)

1. A method of transaction based on an ETC system, the method being performed by an on-board unit, the method comprising:
receiving a balance check request sent by the ETC system through a road side unit;
acquiring the account balance of the hard wallet in the quasi account mode in the vehicle-mounted unit according to the balance checking request, wherein the account balance is determined offline according to the recharging amount of the hard wallet and the consumption amount of the hard wallet;
and determining whether the transaction is completed or not according to the account balance and the ETC consumption amount.
2. The method of claim 1, wherein the account balance comprises an online transaction balance and an IC card balance;
determining whether the transaction is completed according to the account balance and the ETC consumption amount comprises the following steps:
if the account balance is greater than or equal to the consumption amount consumed by the ETC, determining the IC card balance after the ETC consumption according to the difference value between the IC card balance and the consumption amount;
and if the account balance is smaller than the consumption amount of the ETC consumption, determining that the ETC consumption transaction fails.
3. The method according to claim 2, wherein the method further comprises:
when an online transaction request is received, if the account balance is greater than or equal to the transaction amount of the online transaction, determining the online transaction balance after the online transaction according to the difference between the online transaction balance and the transaction amount;
if the account balance is less than the transaction amount of the online transaction, determining that the online transaction fails at the present time.
4. A method according to any one of claims 1-3, characterized in that the method further comprises:
receiving recharging information of a hard wallet in the vehicle-mounted unit;
and updating the online transaction balance and the IC card balance in the account balance according to the recharging information.
5. The method of claim 4, wherein the hard wallet recharge information comprises information to recharge an account of the hard wallet through a digital currency backend system;
receiving recharging information of the hard wallet in the vehicle-mounted unit, wherein the recharging information comprises the following steps:
when the vehicle-mounted unit establishes a communication link with the digital currency background system through an online transaction terminal, or the vehicle-mounted unit establishes a communication link with the digital currency background system through an intelligent terminal, account recharging information of a hard wallet of the digital currency background system is received through the communication link, wherein the intelligent terminal comprises a digital currency account which is bound with the hard wallet in advance.
6. The method of any of claims 1-3, 5, wherein after determining whether to complete the present transaction based on the account balance and the ETC consumption amount, the method further comprises:
and under the condition that the hard wallet establishes a communication link with the digital currency background system, uploading the records of ETC consumption to the digital currency background system, so that the digital currency background system updates the balance of the digital currency background system of the account of the hard wallet according to the uploaded records of ETC consumption.
7. The method according to any one of claims 1-3, 5, further comprising:
acquiring the duration of an ETC consumption transaction record which is not uploaded and is included in the vehicle-mounted unit;
and returning the deduction amount of the ETC consumption transaction record to the account balance of the hard wallet under the condition that the duration is longer than the preset effective duration.
8. An ETC system-based transaction device, characterized in that the method corresponding to the device is performed by an on-board unit, the device comprising:
a request receiving unit, configured to receive a balance check request sent by the ETC system through a roadside unit;
the balance obtaining unit is used for obtaining the account balance of the hard wallet in the quasi account mode in the vehicle-mounted unit according to the balance checking request, and the account balance is determined offline according to the recharging amount of the hard wallet and the consumption amount of the hard wallet;
and the transaction unit is used for determining whether the transaction is completed or not according to the account balance and the ETC consumption amount.
9. An on-board unit comprising a memory, a processor and a computer program stored in the memory and executable on the processor, characterized in that the processor implements the steps of the method according to any one of claims 1 to 7 when the computer program is executed.
10. A computer readable storage medium storing a computer program, characterized in that the computer program when executed by a processor implements the steps of the method according to any one of claims 1 to 7.
CN202310990568.1A 2023-08-04 2023-08-04 ETC system-based transaction method and device, vehicle-mounted unit and storage medium Pending CN117152857A (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
CN202310990568.1A CN117152857A (en) 2023-08-04 2023-08-04 ETC system-based transaction method and device, vehicle-mounted unit and storage medium

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
CN202310990568.1A CN117152857A (en) 2023-08-04 2023-08-04 ETC system-based transaction method and device, vehicle-mounted unit and storage medium

Publications (1)

Publication Number Publication Date
CN117152857A true CN117152857A (en) 2023-12-01

Family

ID=88907084

Family Applications (1)

Application Number Title Priority Date Filing Date
CN202310990568.1A Pending CN117152857A (en) 2023-08-04 2023-08-04 ETC system-based transaction method and device, vehicle-mounted unit and storage medium

Country Status (1)

Country Link
CN (1) CN117152857A (en)

Similar Documents

Publication Publication Date Title
US9030153B2 (en) Systems and methods for delivering energy to an electric vehicle with parking fee collection
CN115424362B (en) Expressway offline and online charging method and device based on digital RMB
CN106710016B (en) ETC equipment application system and vehicle renter payment method
CN113256887B (en) Non-inductive charging payment method, device and system for electric vehicle
CN111932699B (en) ETC charging method, system, device and storage medium based on block chain
CN114386963A (en) Vehicle-mounted payment device, method and system
WO2012163057A1 (en) Method and system for electronic toll collection
CN106548575A (en) A kind of ETC cards recharge method
JP3509664B2 (en) Automatic toll collection system and vehicle-mounted device for the system
CN108364363A (en) For realizing the onboard system of electric non-stop toll, method and vehicle
CN117152857A (en) ETC system-based transaction method and device, vehicle-mounted unit and storage medium
CN102810217A (en) Method and system for realizing non-stop toll collection
CN103049941A (en) Method of tolling vehicles in an open-road toll system
CN110390521A (en) A kind of reservation type highway ETC wallet circle deposit method
CN114881622A (en) Automatic payment method and device based on digital currency and storage medium
KR20190060323A (en) Hi-Pass System and Method for operating thereof
CN102521889A (en) ETC (Electronic Toll Collection) system
CN113011870A (en) Method and device for carrying out user card loading through ETC antenna
CN113706733B (en) Bluetooth-based OBU device control using method and system
CN110310112A (en) A kind of method of mobile payment for imitated plate prevention, polymerization payment system
CN113920605B (en) Highway free flow charging data processing and verifying method and device
CN108305067A (en) A kind of ETC supplements processing method, equipment and system with money
CN113112628B (en) Automatic payment method and device for intelligent traffic
CN116052293A (en) Payment method for ETC system, related product and ETC system
CN114913616B (en) Vehicle passing fee deduction method and device based on electronic toll collection system

Legal Events

Date Code Title Description
PB01 Publication
PB01 Publication
SE01 Entry into force of request for substantive examination
SE01 Entry into force of request for substantive examination