CN112613865A - ETC payment and settlement method, device and equipment based on alliance chain - Google Patents
ETC payment and settlement method, device and equipment based on alliance chain Download PDFInfo
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- CN112613865A CN112613865A CN202011640238.2A CN202011640238A CN112613865A CN 112613865 A CN112613865 A CN 112613865A CN 202011640238 A CN202011640238 A CN 202011640238A CN 112613865 A CN112613865 A CN 112613865A
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- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/085—Payment architectures involving remote charge determination or related payment systems
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
- G06Q20/3829—Payment protocols; Details thereof insuring higher security of transaction involving key management
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- 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
- G07B15/063—Arrangements for road pricing or congestion charging of vehicles or vehicle users, e.g. automatic toll systems using wireless information transmission between the vehicle and a fixed station
Abstract
The application discloses ETC payment liquidation method, device and equipment based on a alliance chain, which can finish ETC payment liquidation more quickly and accurately based on the alliance chain constructed in advance. The method comprises the following steps: firstly, acquiring payment transaction information in an ETC channel to be cleared, and then linking the payment transaction information according to a pre-constructed alliance chain; the alliance chain comprises a department level networking settlement management center, a provincial and municipal level networking settlement management center, a clearing bank and a client, and then payment transaction information on the chain is processed according to an intelligent contract in the alliance chain to obtain an ETC payment clearing result.
Description
Technical Field
The application relates to the technical field of block chains, in particular to an ETC payment clearing method, device and equipment based on a alliance chain.
Background
An automatic Electronic Toll Collection (ETC) is one of the service functions of an intelligent transportation system. The ETC system adopts the vehicle automatic identification technology to finish the wireless data communication between the vehicle and the toll station, and carries out the vehicle automatic induction identification and the exchange of the related toll data. The time of the vehicle is saved, and the trouble of waiting in line for the driver is avoided.
At present, there are two methods for ETC payment and settlement, one of which is to adopt a 'layer-by-layer transmission and central processing' mode to perform settlement and settlement. As shown in figure 1. The charging data passes through the primary toll station and the charging center to the networked charging settlement management center of the center. The settlement center processes the charging data, calculates to obtain clearing data, requires the card issuing company to pay IC card consumption cost, and transfers the consumption cost to each highway operation company through a clearing bank. Therefore, the traditional ETC payment clearing method not only faces the problems of data interaction and expense clearing layer by layer, but also stores and processes a large amount of data by means of a centralized background data processing center, so that the system is complex in flow, low in safety, low in processing efficiency and high in management cost. The other way is to use a block chain as a storage medium, combine the block chain technology with the high-speed CPC charging technology to realize the distributed storage of the high-speed vehicle data, and the specific ETC service architecture is shown as attached 2. In addition, the block chain is limited by the performance of the consensus algorithm and the network environment, so that the service throughput of the block chain is limited, the transaction processing time is long, and the data interaction problem is easily caused because the types and versions of the block chains adopted by each provincial and municipal networked settlement center are different. Therefore, the solution using the multi-layer blockchain may further highlight the disadvantage items of the blockchain, which leads to further reduction in throughput and transaction processing time, and brings technical and performance bottlenecks to business expansion.
Disclosure of Invention
The embodiment of the application mainly aims to provide an ETC payment clearing method, device and equipment based on a alliance chain, and the ETC payment clearing method, device and equipment can be used for more quickly and accurately completing ETC payment clearing based on the alliance chain constructed in advance.
In a first aspect, an embodiment of the present application provides an ETC payment clearing method based on a federation chain, including:
acquiring payment transaction information in an ETC channel to be cleared;
chaining the payment transaction information according to a pre-established alliance chain; the alliance chain comprises a department level networking settlement management center, a provincial and municipal level networking settlement management center, a clearing bank and a client;
and processing the payment transaction information on the chain according to the intelligent contract in the alliance chain to obtain the ETC payment clearing result.
Optionally, after the payment transaction information on the chain is processed according to the intelligent contract in the alliance chain to obtain the ETC payment clearing result, the method further includes:
and generating an intelligent contract of the alliance chain according to the business rule and the agreement signed between each participating organization in the alliance chain.
Optionally, when the ETC payment clearing is provincial ETC payment clearing; the said according to the intelligent contract in the said alliance chain, deal with the said trade information of paying fee on the chain, obtain the said ETC pays and clears up the result, including:
when a vehicle passes through a toll station, a toll center encrypts the confirmed vehicle path information and vehicle information to obtain encrypted payment transaction information, and sends the encrypted payment transaction information to a provincial and municipal level networking settlement management center;
the provincial and municipal level networking settlement management center verifies the encrypted payment transaction information and pushes the payment transaction information passing the verification to the clearing bank after the verification passes;
and the settlement bank completes payment settlement of the ETC according to the payment transaction information passing the verification to obtain a payment settlement result of the ETC.
Optionally, when the ETC payment clearing is inter-provincial ETC payment clearing; the said according to the intelligent contract in the said alliance chain, deal with the said trade information of paying fee on the chain, obtain the said ETC pays and clears up the result, including:
when a vehicle passes through a toll station, a toll center calculates the intra-provincial cost information according to the intra-provincial route information and the vehicle information of the vehicle, and uploads the intra-provincial cost information to a block chain; when a vehicle runs off a high-speed toll station, a toll center calculates inter-provincial and intra-provincial cost information according to inter-provincial and intra-provincial route information and vehicle information of the vehicle, encrypts the inter-provincial and intra-provincial route information and the inter-provincial and intra-provincial cost information to obtain encrypted payment transaction information, and sends the encrypted payment transaction information to a provincial and municipal level networking settlement management center;
the provincial and municipal level networking settlement management center verifies the encrypted payment transaction information and pushes the payment transaction information passing the verification to the clearing bank after the verification passes;
and the settlement bank completes payment settlement of the ETC according to the payment transaction information passing the verification to obtain a payment settlement result of the ETC.
In a second aspect, an embodiment of the present application further provides an ETC payment clearing device based on a federation chain, including:
the acquiring unit is used for acquiring payment transaction information in the ETC channel to be cleared;
the chain linking unit is used for linking the payment transaction information according to a pre-established union chain; the alliance chain comprises a department level networking settlement management center, a provincial and municipal level networking settlement management center, a clearing bank and a client;
and the obtaining unit is used for processing the payment transaction information on the chain according to the intelligent contract in the alliance chain to obtain the ETC payment clearing result.
Optionally, the apparatus further comprises:
and the generating unit is used for generating the intelligent contract of the alliance chain according to the business rule and the protocol signed between all the participating institutions in the alliance chain.
Optionally, when the ETC payment clearing is provincial ETC payment clearing; the obtaining unit is specifically configured to:
when a vehicle passes through a toll station, a toll center encrypts the confirmed vehicle path information and vehicle information to obtain encrypted payment transaction information, and sends the encrypted payment transaction information to a provincial and municipal level networking settlement management center;
the provincial and municipal level networking settlement management center verifies the encrypted payment transaction information and pushes the payment transaction information passing the verification to the clearing bank after the verification passes;
and the settlement bank completes payment settlement of the ETC according to the payment transaction information passing the verification to obtain a payment settlement result of the ETC.
Optionally, when the ETC payment clearing is inter-provincial ETC payment clearing; the obtaining unit is specifically configured to:
when a vehicle passes through a toll station, a toll center calculates the intra-provincial cost information according to the intra-provincial route information and the vehicle information of the vehicle, and uploads the intra-provincial cost information to a block chain; when a vehicle runs off a high-speed toll station, a toll center calculates inter-provincial and intra-provincial cost information according to inter-provincial and intra-provincial route information and vehicle information of the vehicle, encrypts the inter-provincial and intra-provincial route information and the inter-provincial and intra-provincial cost information to obtain encrypted payment transaction information, and sends the encrypted payment transaction information to a provincial and municipal level networking settlement management center;
the provincial and municipal level networking settlement management center verifies the encrypted payment transaction information and pushes the payment transaction information passing the verification to the clearing bank after the verification passes;
and the settlement bank completes payment settlement of the ETC according to the payment transaction information passing the verification to obtain a payment settlement result of the ETC.
The embodiment of the application further provides ETC payment liquidation equipment based on the alliance chain, and the ETC payment liquidation equipment comprises: a processor, a memory, a system bus;
the processor and the memory are connected through the system bus;
the memory is used for storing one or more programs, and the one or more programs comprise instructions which when executed by the processor cause the processor to execute any one implementation manner of the ETC payment and clearing method based on the alliance chain.
The embodiment of the application further provides a computer-readable storage medium, wherein instructions are stored in the computer-readable storage medium, and when the instructions are run on the terminal device, the terminal device is enabled to execute any one implementation manner of the ETC payment and settlement method based on the alliance chain.
According to the ETC payment clearing method, device and equipment based on the alliance chain, payment transaction information in an ETC channel to be cleared is obtained, and then the payment transaction information is linked up according to the alliance chain which is constructed in advance; the alliance chain comprises a department level networking settlement management center, a provincial and municipal level networking settlement management center, a clearing bank and a client, and then payment transaction information on the chain is processed according to an intelligent contract in the alliance chain to obtain an ETC payment clearing result. Therefore, the payment settlement of the ETC can be completed more quickly and accurately based on the pre-constructed alliance chain.
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, and it is obvious that the drawings in the following description are some embodiments of the present application, and it is obvious for those skilled in the art to obtain other drawings based on these drawings without creative efforts.
Fig. 1 is a schematic diagram of a conventional ETC service architecture;
FIG. 2 is a second schematic diagram of a conventional ETC business architecture;
fig. 3 is a schematic flowchart of an ETC payment clearing method based on a federation chain according to an embodiment of the present application;
fig. 4 is a schematic diagram of an ETC service alliance chain architecture provided in an embodiment of the present application;
fig. 5 is a schematic diagram of an ETC business alliance chain certificate system organization architecture provided in an embodiment of the present application;
fig. 6 is a schematic composition diagram of an ETC payment clearing device based on a federation chain according to an embodiment of the present application.
Detailed Description
At present, two methods are generally used for ETC payment and settlement, and one method is to adopt a 'layer-by-layer transmission and central processing' mode to carry out settlement and settlement. As shown in figure 1. The charging data passes through the primary toll station and the charging center to the networked charging settlement management center of the center. The settlement center processes the charging data, calculates to obtain clearing data, requires the card issuing company to pay IC card consumption cost, and transfers the consumption cost to each highway operation company through a clearing bank. Another way is to use the blockchain as a storage medium, and combine the blockchain technology with the high-speed CPC charging technology to implement distributed storage of high-speed vehicle data, where a specific ETC service architecture is shown in fig. 2.
However, the two ETC payment and settlement methods have the following four problems:
(1) the system security is not high.
The highway networking settlement management centers at all levels are responsible for the settlement information of ETC users, perform services such as data verification, expense calculation and settlement bank payment, and are central nodes of the whole ETC payment system. Meanwhile, two payment methods for ETC: the ETC mode of keeping accounts and the mode of prepayment, because the ETC mode of keeping accounts is consumption earlier and then payment, therefore, data safety is equal to fund safety, once the networking settlement management center of each level appears the service anomaly or data damage, loses the trouble such as waiting, will influence the normal operating of whole ETC cross province payment business.
(2) The service processing efficiency is low, and the management cost is high.
In the two ETC payment and settlement methods, each business needs a plurality of institutions for interactive processing, a large number of online checks are involved in the business process, the main business process surrounds the business roles such as a road center, a provincial (municipal) level networking settlement management center, a department level networking settlement management center and the like, all the business roles are processed in series, the business period is long, information cannot be obtained between institutions in time, and the business processing efficiency is low. In the ETC service architecture shown in fig. 2, only the blockchain is used as a storage medium, and although the safety and the non-falsification of data are ensured, the existing ETC payment service process is not fundamentally changed, and the service efficiency of each link is optimized and improved. In addition, the block chain is limited by the performance of the consensus algorithm and the network environment, so that the service throughput of the block chain is limited, the transaction processing time is long, and the types and versions of the block chains adopted by each provincial and urban networked settlement center are different. Therefore, the solution using the multi-layer blockchain may further highlight the disadvantage items of the blockchain, which leads to further reduction in throughput and transaction processing time, and brings technical and performance bottlenecks to business expansion.
(3) The ETC has a cumbersome voucher handling process.
In the two ETC payment and settlement methods, unified credentials cannot be conveniently and rapidly provided, and the user needs to pay the credentials by himself to a bank, which is an extremely unfriendly user experience, and meanwhile, the circulation of the related credentials faces the problem of long flow.
(4) There is a property risk.
ETC uses must bind with the bank card, and in the highway driving, toll station accomplishes the deduction through the inductive signal. Aiming at the technical characteristics of ETC, illegal molecules can embezzle the fund of the customer binding bank card by utilizing the technology, and the risk is brought to the property safety of the user. Meanwhile, in the face of the phenomenon of brush stealing, due to the lack of corresponding technical support, time and labor are consumed during investigation and tracking.
In order to solve the above defects, an embodiment of the present application provides an ETC payment clearing method based on a federation chain, which includes obtaining payment transaction information in an ETC channel to be cleared, and chaining the payment transaction information according to a pre-established federation chain; the alliance chain comprises a department level networking settlement management center, a provincial and municipal level networking settlement management center, a clearing bank and a client, and then payment transaction information on the chain is processed according to an intelligent contract in the alliance chain to obtain an ETC payment clearing result. Therefore, the payment settlement of the ETC can be completed more quickly and accurately based on the pre-constructed alliance chain.
In order to make the objects, technical solutions and advantages of the embodiments of the present application clearer, 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 some embodiments of the present application, but not all 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.
First embodiment
Referring to fig. 3, a schematic flow chart of the ETC payment clearing method based on the alliance chain provided in this embodiment is shown, and the method includes the following steps:
s301: and acquiring payment transaction information in the ETC channel to be cleared.
In this embodiment, in order to complete the payment and settlement of the ETC more quickly and accurately, the payment transaction information in the ETC channel to be settled needs to be acquired first, so as to realize the payment and settlement of the ETC through the subsequent steps S302-S303.
The payment transaction information may include a payment transaction address, a provincial transaction address, a customer number, a customer name, license plate number information, vehicle registration information, road center information, provincial (municipal) networking settlement center information, route information, and cost information.
S302: linking payment transaction information according to a pre-constructed alliance chain; the alliance chain comprises a department level networking settlement management center, a provincial and municipal level networking settlement management center, a clearing bank and a client.
In this embodiment, after the payment transaction information in the to-be-cleared ETC channel is acquired through step S301, the payment transaction information may be further linked according to a pre-established alliance chain; the ETC business alliance chain organization architecture is shown in fig. 4, and the alliance chain can comprise a department level networking settlement management center, a provincial and municipal level networking settlement management center, a clearing bank and a client.
Specifically, first, the block link points corresponding to the participating institutions participating in the ETC payment settlement may be determined according to the ETC payment settlement role, which includes provincial (municipal) level networked settlement management center, toll road networked settlement management center (department level networked settlement management center), and settlement bank. Therefore, an ETC business alliance chain (ETCBCHain) can be constructed according to the block chain nodes, and business process processing of participating institutions is issued to the ETC business alliance chain.
In addition, each node in the ETC service alliance chain runs the same program and maintains the same block chain data; the CA node is deployed in a department-level networking settlement management center and manages identity authentication, joining and quitting of each node in a alliance chain by issuing a certificate. In the alliance chain, the authority of each participant is controlled through mechanisms such as certificates and encryption algorithms.
The ETC business alliance chain CA signs and issues digital certificates for each province (city) level networking settlement management center; each province (city) level networking settlement management center node signs a transaction network access certificate for a high-speed toll station (equipment) under the jurisdiction of the node based on the certificate signed by the CA, so that the settlement bank can only process payment transactions signed by the certificate. The ETC business alliance chain certificate system is shown in fig. 5.
Cert: the method is used for realizing the identity authentication of the participants. Each role of each organization needs to apply for a blockchain user, which is the subject of initiating transactions on the blockchain. Initially, a pair of public and private keys is generated by registering a user on a block chain platform, and a user certificate is applied as an identity authentication credential for information interaction between users.
Eckt node certificate (echt. cert): the method is used for controlling the block chain link points to enter a block chain network, and the nodes with the Ecert can access the block chain, so that deployment, access compliance and safety of the block chain nodes are ensured.
TCert transaction certificate (TCert. cert): the Ecert node certificate can further issue a transaction certificate Tcert, and each transaction can be signed by TCert, so that the security of a transaction layer is realized.
Cert certificate (Rcert. cert): for controlling whether the access node is a full authentication node or a lightweight non-authentication node. The full verification node is a full-function node, participates in the consensus of the block chain, and has the writing and viewing permission of the block chain data; the non-verification nodes do not participate in consensus, only have block chain viewing permission and cannot write data.
In an ETC service alliance chain, root.ca is managed by a department-level networking settlement management center, and corresponding user.cert, ert.cert and rcert.cert are signed for alliance chain participants. The ETC service alliance chain realizes the functions of alliance chain network access control, contract access control, transaction initiation control, user data privacy protection and the like based on the certificate system.
S303: and processing payment transaction information on the chain according to an intelligent contract in the alliance chain to obtain an ETC payment clearing result.
In this embodiment, after the payment transaction information is linked in step S302, the payment transaction information on the chain may be further processed according to an intelligent contract in the alliance chain, so as to obtain an ETC payment clearing result.
It should be noted that, before executing this step S303, an alternative implementation manner is to generate an intelligent contract of the federation chain according to the business rule and the agreement signed between the participating enterprises in the federation chain.
Specifically, in this implementation, the intelligent contracts may be generated based on business rules and agreements entered into between participating institutions. And then can be based on information and intelligent contract in the ETC service alliance chain, pay the clear settlement business to the ETC and handle. And correspondingly controlling the access of the intelligent contract so that an authorized user can access the intelligent contract.
And, through this intelligent contract, the data (such as the payment transaction information on the chain) that ETC business alliance chain each participant can the storage in the block chain. The data stored in the chain is the data which is obtained by encrypting the source data and then carrying out serialization processing.
In a possible implementation manner of the embodiment of the application, when the ETC payment settlement is the provincial ETC payment settlement, the specific implementation process of the step S303 may include: when the vehicle passes through the toll station, the toll center encrypts the confirmed vehicle path information and the vehicle information to obtain encrypted payment transaction information, and sends the encrypted payment transaction information to a provincial and municipal level networking settlement management center; and the province and city level networking settlement management center verifies the encrypted payment transaction information, and pushes the payment transaction information passing the verification to the clearing bank after the verification passes so that the clearing bank finishes the payment clearing of the ETC according to the payment transaction information passing the verification to obtain the payment clearing result of the ETC.
Specifically, in this implementation, processing the ETC service alliance chain service based on the ETC service alliance chain intelligent contract includes: firstly, aiming at the provincial payment clearing condition, when a vehicle passes through a toll station, a road section center (a toll center) confirms route information and vehicle information of the vehicle, and carries out preprocessing, correctness checking and validity checking on the information, calculates provincial cost information, encrypts and signs the route information and the cost information of the vehicle, and sends the route information and the cost information of the vehicle to a corresponding provincial (municipal) level networking settlement management center.
And secondly, aiming at the provincial payment clearing condition, after receiving payment transaction information pushed by the road section center, the provincial (municipal) level networking settlement management center performs signature verification, data integrity verification and data correctness verification on the transaction information, uploads the transaction information to a block chain for storage through an intelligent contract, and informs a client ETC to open bank payment transaction information based on a message pushing mechanism of the intelligent contract.
Furthermore, for the provincial payment clearing condition, after receiving the message pushed by the ETC service alliance chain, the client ETC issuing bank can acquire the corresponding payment transaction from the block chain. Firstly, transaction signature verification is carried out to ensure that the transaction is initiated by a provincial (municipal) level networking settlement management center authenticated by a CA; secondly, checking the correctness of the transaction data; then, processing the transaction, and transferring corresponding funds to a road section center corresponding to the transaction; and finally, generating an electronic payment certificate and uploading the electronic payment certificate to a block chain, and feeding back the electronic certificate ID (on-chain address) to a provincial (municipal) level networking settlement management center and a client through an intelligent contract for inspection.
In a possible implementation manner of the embodiment of the application, when the ETC payment settlement is the inter-provincial ETC payment settlement, the specific implementation process of step S303 may include: when the vehicle passes through the toll station, the toll center calculates the intra-provincial cost information according to the intra-provincial route information and the vehicle information of the vehicle, and uploads the intra-provincial cost information to the block chain; when the vehicle runs off the high-speed toll station, the toll collection center calculates inter-provincial and intra-provincial cost information according to inter-provincial and intra-provincial route information and vehicle information of the vehicle, encrypts the inter-provincial and intra-provincial route information and the inter-provincial and intra-provincial cost information to obtain encrypted payment transaction information, and sends the encrypted payment transaction information to the provincial and municipal level networking settlement management center. The provincial and municipal level networking settlement management center verifies the encrypted payment transaction information, and after the verification is passed, the payment transaction information passing the verification is pushed to the clearing bank, so that the clearing bank finishes the payment settlement of the ETC according to the payment transaction information passing the verification, and the payment settlement result of the ETC is obtained.
Specifically, in this implementation, processing the ETC service alliance chain service based on the ETC service alliance chain intelligent contract includes: firstly, aiming at the situation of clearing payment across provinces, when a vehicle passes through a toll station, a road section center (toll center) confirms route information and vehicle information of the vehicle, and carries out preprocessing, route integrity verification, correctness verification and validity verification on the information, calculates provincial cost information, uploads the vehicle provincial route information and the cost information to a block chain through an intelligent contract to be stored, marks the current uplink payment transaction as a provincial transaction, and the provincial transaction is used for recording the route information and the cost information of different provinces of the vehicle and calculates the total cost by a user.
And secondly, aiming at the situation of paying and clearing across provinces, when the vehicle drives off a high-speed toll station, the road section center (the toll center) confirms the vehicle information and all the path information (provincial and intra-provincial), preprocesses, path integrity check, correctness check and validity check are carried out on the information, all the cost information (provincial and intra-provincial) is calculated, all the path information (provincial and intra-provincial) and the cost information of the vehicle are encrypted and signed, and the encrypted and signed information is sent to the corresponding provincial (city) level networking settlement management center.
Aiming at the situation of cross-provincial payment and settlement, the following method is adopted to calculate vehicle route information and cost: when the vehicle is driven away from the high speed, the vehicle information and all the route information (inter-provincial and intra-provincial) of the vehicle are confirmed by the road section center (the charging center), and each payment transaction of the vehicle is traced according to the inter-provincial transaction address in the payment transaction data structure until the payment transaction information when the vehicle is driven at the high speed is traced. And the road section center carries out integrity verification on all path information and counts the total travel cost.
Then, aiming at the cross-provincial payment settlement condition, after receiving payment transaction information pushed by the road section center, the provincial (municipal) level networking settlement management center carries out signature verification, data integrity verification and data correctness verification on the transaction information, uploads the transaction information to a block chain for storage through an intelligent contract, and informs a client ETC to open bank payment transaction information based on a message pushing mechanism of the intelligent contract.
Furthermore, for the situation of cross-provincial payment clearing, after receiving the message pushed by the ETC service alliance chain, the customer ETC issuing bank can acquire the corresponding payment transaction from the block chain. Firstly, transaction signature verification is carried out to ensure that the transaction is initiated by a provincial (municipal) level networking settlement management center authenticated by a CA; secondly, checking the correctness of the transaction data; then, processing the transaction, and transferring corresponding funds to a road section center corresponding to the transaction; and finally, generating an electronic payment certificate and uploading the electronic payment certificate to a block chain, and feeding back the electronic certificate ID (on-chain address) to a provincial (municipal) level networking settlement management center and a client through an intelligent contract for inspection.
And finally, the client can check the high-speed payment record of the client through the mobile phone APP and download the electronic payment certificate. Meanwhile, the client can check the pre-deposit fee deduction record and the travel starting point through the APP.
Thus, the ETC payment clearing method based on the alliance chain has the following five beneficial effects:
(1) the system security and the data security are higher. In the ETC payment clearing method and system based on the block chain, a plurality of nodes in the alliance chain maintain payment transaction information together, and each full-amount node stores the full-amount payment transaction information, so that the performance bottleneck of a single node does not exist, the high safety of the system is guaranteed to a certain extent, the redundancy of data can be guaranteed, and the stability of the whole operation is greatly improved. In addition, the block chain contract data guarantees data security through serialization storage, and serialization storage data storage addresses and serialization rules are opaque, so that the data security can be guaranteed to a certain extent.
(2) The business process is optimized, the management cost is reduced, and the execution efficiency is improved. The intelligent contract based on the block chain has the characteristics of determinacy, instantaneity, autonomy, observability, verifiability and the like. Digital identities of all participants of the alliance chain are given through a digital certificate mechanism, access control and authority control of the digital identities are carried out based on an intelligent contract, time overhead of service circulation is reduced through automation and autonomy of the intelligent contract based on data sharing characteristics of the block chain, overall efficiency is improved, and customer service experience is improved. Meanwhile, the customer can join the alliance chain network through the ETC established bank alliance chain node as a lightweight node, the ETC service deduction payment record can be checked in real time, and customer experience is further improved.
(3) Can digitally store evidence and trace the source. The ETC business alliance chain based on the block chain realizes the automation of compliance, improves the transparency of data, reduces service cost, realizes the automatic processing and chain retention of business operation records, business processes, execution results and business certificates, and records multi-party maintenance, tamper resistance, repudiation resistance and traceability on the chain.
(4) The privacy protection is strong. The access and modification of data on the block chain are realized based on the intelligent contract, and the system ensures that only authorized users can access the related intelligent contract through the access control of the intelligent contract. First, the system maintains role authority information of the participants (users), including the participant accounts, the participant roles, the intelligent contract interfaces accessible to the participants, and the like. When a federation chain participant calls a block chain interface, a system firstly acquires a contract interface list accessible by the participant by inquiring role authority information, and if the participant role does not have a certain contract interface access authority, the participant role is refused to call the contract.
(5) Effectively guaranteeing the property safety of the clients. A service network is established among the devices by using an intelligent contract of a block chain, a distributed and shared application program is established, and privacy and the value of digital assets are considered through the encryption and signature verification technology of the block chain. In an ETC service alliance chain, signature verification is required to be carried out on each deduction payment transaction so as to ensure that the transaction is initiated by a provincial (municipal) level networking settlement management center authenticated by a CA; or, the system is initiated by a high-speed toll station authenticated by a provincial (municipal) level networking settlement management center, thereby effectively preventing the ETC from being stolen and protecting the property of the client from being illegally stolen.
In summary, according to the method for clearing an ETC payment based on a federation chain provided in this embodiment, payment transaction information in an ETC channel to be cleared is first acquired, and then the payment transaction information is linked according to a pre-established federation chain; the alliance chain comprises a department level networking settlement management center, a provincial and municipal level networking settlement management center, a clearing bank and a client, and then payment transaction information on the chain is processed according to an intelligent contract in the alliance chain to obtain an ETC payment clearing result. Therefore, the payment settlement of the ETC can be completed more quickly and accurately based on the pre-constructed alliance chain.
Second embodiment
In this embodiment, a device for collecting and clearing an ETC fee based on a federation chain will be described, and for related contents, refer to the above method embodiment.
Referring to fig. 6, a schematic composition diagram of an ETC payment clearing device based on a federation chain is provided in this embodiment, where the device includes:
the obtaining unit 601 is used for obtaining payment transaction information in the ETC channel to be cleared;
a chaining unit 602, configured to chain the payment transaction information according to a pre-established alliance chain; the alliance chain comprises a department level networking settlement management center, a provincial and municipal level networking settlement management center, a clearing bank and a client;
the obtaining unit 603 is configured to process the payment transaction information on the chain according to the intelligent contract in the alliance chain, and obtain the ETC payment clearing result.
In an implementation manner of this embodiment, the apparatus further includes:
and the generating unit is used for generating the intelligent contract of the alliance chain according to the business rule and the protocol signed between all the participating institutions in the alliance chain.
In one implementation manner of this embodiment, when the ETC payment settlement is an intra-provincial ETC payment settlement; the obtaining unit 603 is specifically configured to:
when a vehicle passes through a toll station, a toll center encrypts the confirmed vehicle path information and vehicle information to obtain encrypted payment transaction information, and sends the encrypted payment transaction information to a provincial and municipal level networking settlement management center;
the provincial and municipal level networking settlement management center verifies the encrypted payment transaction information and pushes the payment transaction information passing the verification to the clearing bank after the verification passes;
and the settlement bank completes payment settlement of the ETC according to the payment transaction information passing the verification to obtain a payment settlement result of the ETC.
In one implementation manner of the embodiment, when the ETC payment settlement is inter-provincial ETC payment settlement; the obtaining unit 603 is specifically configured to:
when a vehicle passes through a toll station, a toll center calculates the intra-provincial cost information according to the intra-provincial route information and the vehicle information of the vehicle, and uploads the intra-provincial cost information to a block chain; when a vehicle runs off a high-speed toll station, a toll center calculates inter-provincial and intra-provincial cost information according to inter-provincial and intra-provincial route information and vehicle information of the vehicle, encrypts the inter-provincial and intra-provincial route information and the inter-provincial and intra-provincial cost information to obtain encrypted payment transaction information, and sends the encrypted payment transaction information to a provincial and municipal level networking settlement management center;
the provincial and municipal level networking settlement management center verifies the encrypted payment transaction information and pushes the payment transaction information passing the verification to the clearing bank after the verification passes;
and the settlement bank completes payment settlement of the ETC according to the payment transaction information passing the verification to obtain a payment settlement result of the ETC.
In summary, in the ETC payment clearing device based on the alliance chain provided in this embodiment, the payment transaction information in the ETC channel to be cleared is first acquired, and then the payment transaction information is linked according to the alliance chain constructed in advance; the alliance chain comprises a department level networking settlement management center, a provincial and municipal level networking settlement management center, a clearing bank and a client, and then payment transaction information on the chain is processed according to an intelligent contract in the alliance chain to obtain an ETC payment clearing result. Therefore, the payment settlement of the ETC can be completed more quickly and accurately based on the pre-constructed alliance chain.
Further, this application embodiment still provides an ETC payment and settlement equipment based on alliance chain, includes: a processor, a memory, a system bus;
the processor and the memory are connected through the system bus;
the memory is used for storing one or more programs, and the one or more programs comprise instructions which when executed by the processor cause the processor to execute any implementation method of the ETC payment clearing method based on the alliance chain.
Further, an embodiment of the present application further provides a computer-readable storage medium, where instructions are stored in the computer-readable storage medium, and when the instructions are executed on a terminal device, the terminal device is caused to execute any implementation method of the above-mentioned ETC payment clearing method based on a federation chain.
As can be seen from the above description of the embodiments, those skilled in the art can clearly understand that all or part of the steps in the above embodiment methods can be implemented by software plus a necessary general hardware platform. Based on such understanding, the technical solution of the present application may be essentially or partially implemented in the form of a software product, which may be stored in a storage medium, such as a ROM/RAM, a magnetic disk, an optical disk, etc., and includes several instructions for enabling a computer device (which may be a personal computer, a server, or a network communication device such as a media gateway, etc.) to execute the method according to the embodiments or some parts of the embodiments of the present application.
It should be noted that, in the present specification, the embodiments are described in a progressive manner, each embodiment focuses on differences from other embodiments, and the same and similar parts among the embodiments may be referred to each other. The device disclosed by the embodiment corresponds to the method disclosed by the embodiment, so that the description is simple, and the relevant points can be referred to the method part for description.
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, an element defined by the phrase "comprising an … …" does not exclude the presence of other identical elements in a process, method, article, or apparatus that comprises the element.
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 (10)
1. The ETC payment clearing method based on the alliance chain is characterized by comprising the following steps:
acquiring payment transaction information in an ETC channel to be cleared;
chaining the payment transaction information according to a pre-established alliance chain; the alliance chain comprises a department level networking settlement management center, a provincial and municipal level networking settlement management center, a clearing bank and a client;
and processing the payment transaction information on the chain according to the intelligent contract in the alliance chain to obtain the ETC payment clearing result.
2. The method according to claim 1, wherein after the processing the payment transaction information on the chain according to the intelligent contract in the alliance chain to obtain the ETC payment clearing result, the method further comprises:
and generating an intelligent contract of the alliance chain according to the business rule and the agreement signed between each participating organization in the alliance chain.
3. The method according to claim 1, wherein when the ETC payment clearance is an in-province ETC payment clearance; the said according to the intelligent contract in the said alliance chain, deal with the said trade information of paying fee on the chain, obtain the said ETC pays and clears up the result, including:
when a vehicle passes through a toll station, a toll center encrypts the confirmed vehicle path information and vehicle information to obtain encrypted payment transaction information, and sends the encrypted payment transaction information to a provincial and municipal level networking settlement management center;
the provincial and municipal level networking settlement management center verifies the encrypted payment transaction information and pushes the payment transaction information passing the verification to the clearing bank after the verification passes;
and the settlement bank completes payment settlement of the ETC according to the payment transaction information passing the verification to obtain a payment settlement result of the ETC.
4. The method according to claim 1, wherein when the ETC payment clearance is inter-provincial ETC payment clearance; the said according to the intelligent contract in the said alliance chain, deal with the said trade information of paying fee on the chain, obtain the said ETC pays and clears up the result, including:
when a vehicle passes through a toll station, a toll center calculates the intra-provincial cost information according to the intra-provincial route information and the vehicle information of the vehicle, and uploads the intra-provincial cost information to a block chain; when a vehicle runs off a high-speed toll station, a toll center calculates inter-provincial and intra-provincial cost information according to inter-provincial and intra-provincial route information and vehicle information of the vehicle, encrypts the inter-provincial and intra-provincial route information and the inter-provincial and intra-provincial cost information to obtain encrypted payment transaction information, and sends the encrypted payment transaction information to a provincial and municipal level networking settlement management center;
the provincial and municipal level networking settlement management center verifies the encrypted payment transaction information and pushes the payment transaction information passing the verification to the clearing bank after the verification passes;
and the settlement bank completes payment settlement of the ETC according to the payment transaction information passing the verification to obtain a payment settlement result of the ETC.
5. The utility model provides a ETC payment clearing device based on alliance chain which characterized in that includes:
the acquiring unit is used for acquiring payment transaction information in the ETC channel to be cleared;
the chain linking unit is used for linking the payment transaction information according to a pre-established union chain; the alliance chain comprises a department level networking settlement management center, a provincial and municipal level networking settlement management center, a clearing bank and a client;
and the obtaining unit is used for processing the payment transaction information on the chain according to the intelligent contract in the alliance chain to obtain the ETC payment clearing result.
6. The apparatus of claim 5, further comprising:
and the generating unit is used for generating the intelligent contract of the alliance chain according to the business rule and the protocol signed between all the participating institutions in the alliance chain.
7. The apparatus according to claim 5, wherein when the ETC payment clearance is an in-province ETC payment clearance; the obtaining unit is specifically configured to:
when a vehicle passes through a toll station, a toll center encrypts the confirmed vehicle path information and vehicle information to obtain encrypted payment transaction information, and sends the encrypted payment transaction information to a provincial and municipal level networking settlement management center;
the provincial and municipal level networking settlement management center verifies the encrypted payment transaction information and pushes the payment transaction information passing the verification to the clearing bank after the verification passes;
and the settlement bank completes payment settlement of the ETC according to the payment transaction information passing the verification to obtain a payment settlement result of the ETC.
8. The apparatus according to claim 5, wherein when the ETC payment clearance is inter-provincial ETC payment clearance; the obtaining unit is specifically configured to:
when a vehicle passes through a toll station, a toll center calculates the intra-provincial cost information according to the intra-provincial route information and the vehicle information of the vehicle, and uploads the intra-provincial cost information to a block chain; when a vehicle runs off a high-speed toll station, a toll center calculates inter-provincial and intra-provincial cost information according to inter-provincial and intra-provincial route information and vehicle information of the vehicle, encrypts the inter-provincial and intra-provincial route information and the inter-provincial and intra-provincial cost information to obtain encrypted payment transaction information, and sends the encrypted payment transaction information to a provincial and municipal level networking settlement management center;
the provincial and municipal level networking settlement management center verifies the encrypted payment transaction information and pushes the payment transaction information passing the verification to the clearing bank after the verification passes;
and the settlement bank completes payment settlement of the ETC according to the payment transaction information passing the verification to obtain a payment settlement result of the ETC.
9. The utility model provides a ETC settlement equipment of collecting fee based on alliance chain which characterized in that includes: a processor, a memory, a system bus;
the processor and the memory are connected through the system bus;
the memory is to store one or more programs, the one or more programs comprising instructions, which when executed by the processor, cause the processor to perform the method of any of claims 1-4.
10. A computer-readable storage medium having stored therein instructions that, when executed on a terminal device, cause the terminal device to perform the method of any one of claims 1-4.
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| CN202011640238.2A CN112613865A (en) | 2020-12-31 | 2020-12-31 | ETC payment and settlement method, device and equipment based on alliance chain |
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| CN202011640238.2A CN112613865A (en) | 2020-12-31 | 2020-12-31 | ETC payment and settlement method, device and equipment based on alliance chain |
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