CN114445062A - Vehicle charging method and system based on Unionpay platform and storage medium - Google Patents
Vehicle charging method and system based on Unionpay platform and storage medium Download PDFInfo
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Abstract
The invention discloses a vehicle charging method and a system based on a Unionpay platform.A vehicle user signs a contract with the Unionpay platform and obtains a vehicle toll bill from a highway network center according to terminal equipment; generating borrowing data and sending a deduction instruction to a bank; then paying the toll bill to a designated account of a highway network center from a sponsor account associated with the unionpay platform, deducting money from an account of a vehicle user associated with the terminal equipment, and sending deduction information to the unionpay platform; and the vehicle user repays the payment, the method provided by the invention can adopt a daily settlement or a weekly settlement or other time period settlement modes to clear the account, simplify the payment process and avoid the occurrence of payment failure caused by frequent payment. Meanwhile, the repayment process set in the vehicle charging method based on the Unionpay platform not only can quickly settle the fees generated in the passing process, but also can simplify and remove the influence of the state list caused by overdue.
Description
Technical Field
The invention relates to the technical field of road and bridge fee payment, in particular to a vehicle charging method and system based on a UnionPay platform and a storage medium.
Background
The expressway is one of the national development fates, plays an important role in the development process of national economy, and the Intelligent Transportation (ITS) mode improves the passing efficiency of the expressway, particularly ETC charging relieves the parking and payment pressure of vehicles. However, for some vehicles, which need to frequently go back and forth on the highway, the funds of the storage card bound with the ETC card are more, at present, due to the particularity of truck users, the ETC debit card cannot be handled at present, and in addition, the truck has more times of going back and forth at high speed, and because the funds in the storage card are insufficient, the deduction is failed, so that the payment failure is caused, and even the payment failure is listed in a blacklist, and the normal running of the vehicle on the highway is seriously influenced. The truck user has a great deal of restriction when installing ETC equipment, and the handling process is loaded down with trivial details.
Therefore, a toll payment method capable of ensuring successful vehicle payment as much as possible without affecting the driving of the vehicle on the highway is required.
Disclosure of Invention
In view of the above, the present invention provides a vehicle charging method and system based on a unionpay platform, in which the method provides a vehicle user with a vehicle payment toll by using the unionpay platform, so as to ensure a vehicle payment toll payment process, simplify the vehicle payment process, and avoid the occurrence of frequent vehicle payment.
In order to achieve the purpose, the invention provides the following technical scheme:
the invention provides a vehicle charging method based on a UnionPay platform, which comprises the following steps:
obtaining a vehicle toll bill from a highway network center;
generating borrowing data according to the vehicle toll bill and sending a deduction instruction to a bank;
the bank receives the deduction instruction, pays the toll bill to a designated account of the highway network center from a sponsor account associated with the unionpay platform, deducts money from an account of a vehicle user associated with the terminal equipment, and sends deduction information to the unionpay platform;
and the Unionpay platform sends the deduction information to a user associated with the terminal equipment.
Further, the vehicle driving information is acquired by a highway network center through a terminal device;
the Unionpay platform is provided with a database for storing registration information of vehicle users, and vehicle state data are stored in the database and comprise vehicle type data, vehicle production date and vehicle owner information;
the database stores vehicle contract information, which includes vehicle application information, vehicle audit information, vehicle deposit information, and vehicle activation information.
Further, the vehicle subscription information is formed by signing between a vehicle user and the Unionpay platform, and the signing process is carried out according to the following steps:
firstly, a vehicle user initiates a transacting application, submits transacting application data of terminal equipment installed on a vehicle, and a UnionPay platform receives client data and sends real-name authentication information to the vehicle user; the Unionpay platform checks the real-name authentication data and account opening information of the client; wind control examination and approval and real-name account opening are carried out on the vehicle users; judging whether the client real name result and the verification result meet the signing conditions or not according to the verification information, and if not, returning verification failure information; if the contract signing condition is met, the customer vehicle information is accepted; initiating a signing and signing assistance text; the signing process is carried out, and the OBU is signed and issued to the vehicle; and finishing high-speed signing and concurrent terminal equipment, and finally installing equipment on a signing vehicle.
Further, the Unionpay platform generates a settlement list according to the following modes:
acquiring vehicle information of a client needing settlement;
acquiring a toll bill from a highway network center according to vehicle information;
acquiring a toll bill meeting preset settlement time from the toll bill;
sorting the toll bill according to a settlement list format to form a settlement list;
and sending the settlement list to the vehicle users meeting the conditions.
The invention provides a vehicle charging system based on a Unionpay platform, which comprises a memory, a processor and an information processing system, wherein the information processing system is stored on the memory and can run on the processor, and the information processing system comprises a vehicle toll bill generation unit, a borrowing generation unit, a payment unit, a vehicle user account deduction unit and an information sending unit;
the vehicle toll bill generation unit is used for acquiring a vehicle toll bill from a highway network center;
the system comprises a borrowing generating unit, a deducting unit and a payment processing unit, wherein the borrowing generating unit is used for generating borrowing data according to a vehicle toll bill and sending a deduction instruction to a bank;
the payment unit is used for paying the toll bill to a designated account of the highway network center from a sponsor account associated with the unionpay platform after the bank receives the deduction instruction;
the vehicle user account deduction unit is used for deducting money in an account of a vehicle user associated with the terminal equipment and sending deduction information to the UnionPay platform;
and the information sending unit is used for sending the deduction information to a user associated with the terminal equipment through the Unionpay platform.
Further, the vehicle driving information is acquired by a highway network center through terminal equipment;
the Unionpay platform is provided with a database for storing registration information of vehicle users, and vehicle state data are stored in the database and comprise vehicle type data, vehicle production date and vehicle owner information;
the database stores vehicle contract information, which includes vehicle application information, vehicle audit information, vehicle deposit information, and vehicle activation information.
Further, the vehicle subscription information is formed by signing between a vehicle user and the Unionpay platform, and the signing process is carried out according to the following steps:
firstly, a vehicle user initiates a transacting application, submits transacting application data of terminal equipment installed on a vehicle, and a UnionPay platform receives client data and sends real-name authentication information to the vehicle user; the Unionpay platform checks the real-name authentication data and account opening information of the client; wind control examination and approval and real-name account opening are carried out on the vehicle users; judging whether the client real name result and the verification result meet the signing conditions or not according to the verification information, and if not, returning verification failure information; if the contract signing condition is met, the customer vehicle information is accepted; initiating a signing and signing assistance text; the signing process is carried out, and the OBU is signed and issued to the vehicle; and finishing high-speed signing and concurrent terminal equipment, and finally installing equipment on a signing vehicle.
Further, the Unionpay platform is also provided with a settlement list module, and the settlement list module generates a settlement list according to the following modes:
acquiring vehicle information of a client needing settlement;
acquiring a toll bill from a highway network center according to vehicle information;
acquiring a toll bill meeting preset settlement time from the toll bill;
sorting the toll bill according to a settlement list format to form a settlement list;
and sending the settlement list to the vehicle users meeting the conditions.
Further, the information processing system further includes a high-speed state list removing unit, and the high-speed state list removing unit performs the following steps:
the vehicle user deposits money to the bank electronic account after receiving the deduction information and initiates repayment confirmation;
judging whether the repayment information is confirmed to be successful or not, and if not, returning to inform the vehicle user of recharging;
if the payment is successful, continuing to receive the payment data and further judging whether the payment is overdue, if not, returning to finish the payment process and sending the payment success information; if yes, sending overdue information to a Unionpay platform, calculating overdue cost according to overdue time, and deducting corresponding overdue cost from the guarantee fund;
the Unionpay platform initiates a state list application, and submits overdue vehicles to a high-speed state list; sending notification information to the vehicle user to inform the vehicle user that the vehicle has entered a high-speed state list after the vehicle is overdue; the vehicle user recharges to the bank electronic user, pays out the current overdue principal and interest, and supplements the deposit;
judging whether the vehicle user finishes repayment, if not, continuing to repayment; if yes, confirming repayment information and notifying a high-speed release state list; confirming the information of the vehicle user release state list; and the way is gone according to the normal communication mode.
The invention provides a storage medium having stored thereon a computer program which, when executed by a processor, implements the method of any one of claims 1 to 4.
The invention has the beneficial effects that:
according to the vehicle charging method and system based on the unionpay platform, the vehicle user signs a contract with the unionpay platform to obtain the borrowing qualification, when the vehicle runs on the highway to generate the passing fee bill, the unionpay platform pays the appointed account of the highway network center through the related sponsor account to finish the payment of the passing fee, then the unionpay platform can adopt a daily settlement or weekly settlement or other time period settlement mode to clear the account according to the agreement, the payment process is simplified, and the payment failure phenomenon caused by frequent payment is avoided.
Meanwhile, the repayment process set in the vehicle charging method based on the Unionpay platform not only can quickly settle the fees generated in the passing process, but also can simplify and remove the influence of the state list caused by overdue.
Additional advantages, objects, and features of the invention will be set forth in part in the description which follows and in part will become apparent to those having ordinary skill in the art upon examination of the following or may be learned from practice of the invention. The objectives and other advantages of the invention will be realized and attained by the structure particularly pointed out in the written description and claims thereof.
Drawings
In order to make the object, technical scheme and beneficial effect of the invention more clear, the invention provides the following drawings for explanation:
fig. 1 is a schematic block diagram of vehicle charging based on a unionpay platform.
Fig. 2 is a flowchart of a vehicle signing method based on a union pay platform.
FIG. 3 is a flow chart of a vehicle toll payment method based on a Unionpay platform.
FIG. 4 is a flow chart of a vehicle toll payment method based on a Unionpay platform.
Detailed Description
The present invention is further described with reference to the following drawings and specific examples so that those skilled in the art can better understand the present invention and can practice the present invention, but the examples are not intended to limit the present invention.
Example 1
As shown in fig. 1, the vehicle charging method based on the union pay platform provided in this embodiment includes the following steps:
the method comprises the steps that a highway network center obtains vehicle running information through terminal equipment;
the Unionpay platform acquires a vehicle toll bill from the highway network center within a preset time period; the vehicle passing cost bill comprises a vehicle running geographic position, a vehicle running distance, vehicle running time and vehicle load data;
the preset time period in this embodiment is a time period in which the ETC normally deducts fees within a specified time, and if the time period is exceeded, the vehicle user will be listed in a blacklist if the deduction fails.
The vehicle travel information in the present embodiment is acquired by the roadside unit RSU provided directly above the ETC lane.
The Unionpay platform generates borrowing data according to the vehicle toll bill and sends a deduction instruction to a bank;
the bank receives the deduction instruction, pays the toll to a designated account of a highway network center from a sponsor account associated with the unionpay platform, modifies deduction information in an account of a vehicle user associated with the terminal equipment, and sends the deduction information to the unionpay platform; the toll is data recorded in a toll bill; after the Unionpay platform obtains the toll bill, the toll data recorded in the toll bill is identified from the toll bill and then transmitted to a corresponding deduction operation instruction, and the identification method can be acquired through a data transmission interface preset in a highway network center.
And the Unionpay platform sends the deduction information to a user associated with the terminal equipment.
In this embodiment, the bank deducts money from the account of the user associated with the terminal device means that the deduction information corresponding to the record in the account is not directly transferred from the account, but is used as a transaction certificate in the account.
The payment of the passing fee in the embodiment is completed in the sponsor account associated with the unionpay platform, the sponsor account is equivalent to a lender of the vehicle user, the vehicle user borrows from the sponsor account, the sponsor account pays with own funds, the charging process of the highway network center is completed, the vehicle user pays the funds paid by the sponsor account, the problem that a truck owner is very difficult to handle personal credit ETC is solved, the vehicle passing fee payment process of the vehicle user is simplified, the normal running of the vehicle user is ensured, and the vehicle transportation efficiency is improved.
This embodiment pays the vehicle toll for vehicle user through the sponsor account that the unionpay platform provided, the ordinary ETC card of handling that the vehicle user who is equivalent to signing with the unionpay platform transacted has the account keeping function, the problem of the freight train car owner difficulty of handling the account keeping ETC card is solved, when vehicle user uses ordinary ETC card to cross highway toll station, unionpay platform system can record the current condition, can deduct corresponding expense from the sponsor account who binds with the unionpay platform earlier, the account of having avoided vehicle user is because the balance is not enough, cause the emergence of the phenomenon of deducting money failure.
As shown in fig. 2, the union pay platform in this embodiment is provided with a database for storing registration information of vehicle users, and the database stores vehicle state data, which includes vehicle type data, vehicle production date, and vehicle owner information;
vehicle contract information is stored in the database, and the vehicle contract information comprises vehicle application information, vehicle audit information, vehicle deposit information and vehicle activation information;
the vehicle signing is carried out according to the following steps:
firstly, a vehicle user initiates a transacting application, submits transacting application data of terminal equipment installed on a vehicle, and a UnionPay platform receives client data and sends real-name authentication information to the vehicle user; the Unionpay platform checks the real-name authentication data and account opening information of the client; wind control examination and approval and real-name account opening are carried out on the vehicle users; judging whether the client real name result and the verification result meet the signing conditions or not according to the verification information, and if not, returning verification failure information; if the contract signing condition is met, the customer vehicle information is accepted; initiating a signing and signing assistance text; the signing process is carried out, and the OBU is signed and issued to the vehicle; and finishing high-speed signing and concurrent terminal equipment, and finally installing equipment on a signing vehicle.
The terminal device provided by the embodiment comprises a main control chip and an identification module connected with the main control chip; the identification module is used for storing an identification code of a vehicle user, when a road side unit RSU detection terminal device arranged right above an ETC lane acquires information in the identification module, the information is transmitted to a highway network center through a communication module, the highway network center sends a trigger signal to a unionpay platform according to the content of the identification code, the unionpay platform acquires running information of a corresponding vehicle through an information interface of the highway network center, and the running information comprises information such as the name, license plate number and vehicle passing cost of the vehicle user. The information of the vehicle user can be actively acquired by triggering the Unionpay platform through the terminal equipment terminal identification module, so that the information acquisition speed is increased, and the information timeliness is ensured. The unionpay platform provided by the embodiment can also acquire the information of the vehicle user at regular time.
The signing and issuing process in the embodiment is that a vehicle user initiates application and application on a Unionpay platform; four elements are required to be submitted on a Unionpay platform, wherein the four elements comprise a user name, a telephone, a bank card number and identity card information, and account application is initiated through the platform; meanwhile, the bank audits the four elements of the client and the wind control score, and the client is required to be stored with a guarantee fund according to the corresponding requirement according to the wind control audit level; after a customer deposits a deposit, a bank initiates a sign on highway network driving and OBU activation to a vehicle user; the on-board unit, i.e. OBU, in this embodiment is typically mounted inside the vehicle's windscreen, at the rear of the rear-view mirror.
The wind control audit is carried out according to the following steps: firstly, carrying out four-element authentication (personal name, identity card, bank card number and telephone number) on a person to carry out bank real-name authentication; after the authentication is passed, carrying out wind control scoring on the personal information; and then, the vehicle is verified for road toll, and finally, a comprehensive credit is given according to the personal and vehicle wind control scores, and the passing customer can activate and install the equipment. The system can be verified in a question-and-answer mode.
As shown in fig. 3, after a vehicle user who successfully signs a contract installs a terminal device on a vehicle, the vehicle user drives the vehicle to get on the road to generate toll, generates a toll bill in the center of a highway network, accounts the client toll, synchronously transmits the bill to a unionpay platform, integrates all toll bills in the same day or a preset time period, sends a payment instruction, receives the client toll data to generate borrowing data, the unionpay platform acquires the bill to generate a borrowing bill, then, synchronously deducts the bill to a highway party, and deposits a warranty to a specified account of the highway party; meanwhile, initiating client-side deduction, and initiating deduction according to the passing borrowing data of the client.
After the vehicle in this embodiment goes on the road, the payment process of the vehicle user is ensured by mutually matching the terminal device and the unionpay platform, which is specifically as follows: after the vehicle user passes on the road, the high-speed passing details are transmitted to the unionpay platform, then the unionpay platform integrates the client passing data, and a piece of borrowing data is generated and sent to a bank; the bank deducts money from the customer account, the bank supervises the payment of the account to the expressway, and the bank settles the money on the customer account every day (or balances the money on the customer account according to week or other preset time).
As shown in fig. 4, the embodiment further provides a vehicle toll payment method based on the union pay platform, which includes the following steps:
the vehicle user deposits money to the bank electronic account after receiving the deduction information and initiates repayment confirmation;
judging whether the repayment information is confirmed to be successful or not, and if not, returning to inform a vehicle user of recharging;
if the payment is successful, continuing to receive the payment data and further judging whether the payment is overdue, if not, returning to finish the payment process and sending the payment success information; if yes, sending overdue information to a Unionpay platform, calculating overdue cost according to overdue time, and deducting corresponding overdue cost from the guarantee fund;
the Unionpay platform initiates a state list application, and submits overdue vehicles to a high-speed state list; sending notification information to the vehicle user to inform the vehicle user that the vehicle has entered a high-speed state list after the vehicle is overdue; the vehicle user recharges to the bank electronic account, pays out the current overdue principal and interest and replenishes the deposit;
judging whether the vehicle user completes payment, if not, continuing payment; if yes, confirming repayment information and notifying a high-speed release state list; confirming the information of the vehicle user release state list; the credit is normally used for the way.
The repayment process provided by the embodiment is that the bank deducts the paid toll from the customer account, and if the customer account still loses money in the final repayment time, the bank informs the UnionPay platform and reports a high-speed state list to the customer; the bank withholds the refund money from the customer deposit account, the platform simultaneously carries out early warning judgment on the customer account, the balance is lower than the corresponding regulation, and the short message reminds the customer to recharge in time; and after the client clears all debts and interest and fills up the deposit, the bank informs the Unionpay platform of releasing the status list.
Example 2
The embodiment also provides a vehicle charging system based on the Unionpay platform, which comprises a memory, a processor and an information processing system which is stored on the memory and can run on the processor, wherein the information processing system comprises a vehicle toll bill generation unit, a borrowing generation unit, a payment unit, a vehicle user account deduction unit and an information sending unit;
the vehicle toll bill generation unit is used for acquiring a vehicle toll bill from a highway network center;
the system comprises a borrowing generating unit, a deducting unit and a payment processing unit, wherein the borrowing generating unit is used for generating borrowing data according to a vehicle toll bill and sending a deduction instruction to a bank;
the payment unit is used for paying the toll bill to a designated account of the highway network center from a sponsor account associated with the unionpay platform after the bank receives the deduction instruction;
the vehicle user account deduction unit is used for deducting money in an account of a vehicle user associated with the terminal equipment and sending deduction information to the UnionPay platform;
and the information sending unit is used for sending the deduction information to a user associated with the terminal equipment through the Unionpay platform.
The vehicle running information is acquired by a highway network center through terminal equipment;
the Unionpay platform is provided with a database for storing registration information of vehicle users, and vehicle state data are stored in the database and comprise vehicle type data, vehicle production date and vehicle owner information;
the database stores vehicle contract information, which includes vehicle application information, vehicle audit information, vehicle deposit information, and vehicle activation information.
The vehicle subscription information is formed by signing a contract between a vehicle user and a Unionpay platform, and the signing process is carried out according to the following steps:
firstly, a vehicle user initiates a transacting application, submits transacting application data of terminal equipment installed on a vehicle, and a UnionPay platform receives client data and sends real-name authentication information to the vehicle user; the Unionpay platform checks the real-name authentication data and account opening information of the client; wind control examination and approval and real-name account opening are carried out on the vehicle users; judging whether the client real name result and the verification result meet the signing conditions or not according to the verification information, and if not, returning verification failure information; if the contract signing condition is met, the customer vehicle information is accepted; initiating a signing and signing assistance text; the signing process is carried out, and the OBU is signed and issued to the vehicle; and finishing high-speed signing and concurrent terminal equipment, and finally installing an equipment terminal on a signing vehicle. The equipment terminal is provided with a user identification code, when the highway network center collects the user identification code on the equipment terminal, a trigger signal is sent to the Unionpay platform, the Unionpay platform receives the trigger signal, then a data collection process is started, and a toll bill of the user in a preset time recorded by the highway network center is obtained according to the user identification code. The data acquisition process triggered by the user identification code can save the times of accessing the highway network center by the unionpay platform, improve the efficiency of acquiring the toll bills by the unionpay platform, reduce the data flow, and ensure that the unionpay platform can acquire the toll of the corresponding user in a certain period of time without traversing the data of the highway network center.
The Unionpay platform is also provided with a settlement list module which generates a settlement list according to the following modes:
acquiring vehicle information of a client needing settlement;
acquiring a toll bill from a highway network center according to the vehicle information;
acquiring a toll bill meeting preset settlement time from the toll bill;
sorting the toll bill according to a settlement list format to form a settlement list;
and sending the settlement list to the vehicle users meeting the conditions.
The information processing system further comprises a high-speed state list removing unit, wherein the high-speed state list removing unit is used for removing the high-speed state list according to the following steps:
the vehicle user deposits money to the bank electronic account after receiving the deduction information and initiates repayment confirmation;
judging whether the repayment information is confirmed to be successful or not, and if not, returning to inform the vehicle user of recharging;
if the payment is successful, continuing to receive the payment data and further judging whether the payment is overdue, if not, returning to finish the payment process and sending the payment success information; if yes, sending overdue information to a Unionpay platform, calculating overdue cost according to overdue time, and deducting corresponding overdue cost from the guarantee fund;
the Unionpay platform initiates a state list application, and submits overdue vehicles to a high-speed state list; sending notification information to the vehicle user to inform the vehicle user that the vehicle has entered a high-speed state list after the vehicle is overdue; the vehicle user recharges to the bank electronic user, pays out the current overdue principal and interest, and supplements the deposit;
judging whether the vehicle user completes payment, if not, continuing payment; if yes, confirming repayment information and notifying a high-speed release state list; confirming the information of the vehicle user release state list; and the way is gone according to the normal communication mode.
Example 3
The present embodiment also provides a storage medium having stored thereon a computer program which, when executed by a processor, carries out the method of any one of claims 1 to 4.
The above-mentioned embodiments are merely preferred embodiments for fully illustrating the present invention, and the scope of the present invention is not limited thereto. The equivalent substitution or change made by the technical personnel in the technical field on the basis of the invention is all within the protection scope of the invention. The protection scope of the invention is subject to the claims.
Claims (10)
1. The vehicle charging method based on the Unionpay platform is characterized in that: the method comprises the following steps:
obtaining a vehicle toll bill from a highway network center;
generating borrowing data according to the vehicle toll bill and sending a deduction instruction to a bank;
the bank receives the deduction instruction, pays the toll to a designated account of the highway network center from a sponsor account associated with the unionpay platform, deducts money from an account of a vehicle user associated with the terminal equipment, and sends deduction information to the unionpay platform;
and the Unionpay platform sends the deduction information to a user associated with the terminal equipment.
2. The unionpay platform-based vehicle toll collection method as recited in claim 1, wherein: the vehicle running information is acquired by a highway network center through terminal equipment;
the Unionpay platform is provided with a database for storing registration information of vehicle users, and vehicle state data are stored in the database and comprise vehicle type data, vehicle production date and vehicle owner information;
the database stores vehicle contract information, which includes vehicle application information, vehicle audit information, vehicle deposit information, and vehicle activation information.
3. The unionpay platform-based vehicle toll collection method as recited in claim 1, wherein: the vehicle subscription information is formed by signing a contract between a vehicle user and a Unionpay platform, and the signing process is carried out according to the following steps:
firstly, a vehicle user initiates a transacting application, submits transacting application information of terminal equipment installed on a vehicle, and a UnionPay platform receives client information and sends real-name authentication information to the vehicle user; the Unionpay platform checks the real-name authentication data and account opening information of the client; wind control examination and approval and real-name account opening are carried out on the vehicle users; judging whether the client real name result and the verification result meet the signing conditions or not according to the verification information, and if not, returning verification failure information; if the contract signing condition is met, the customer vehicle information is accepted; initiating a signing and signing assistance text; the signing process is carried out, and the OBU is signed and issued to the vehicle; and finishing high-speed signing and concurrent terminal equipment, and finally installing equipment on a signing vehicle.
4. The unionpay platform-based vehicle toll collection method as recited in claim 1, wherein: the Unionpay platform generates a settlement list according to the following modes:
acquiring vehicle information of a client needing settlement;
acquiring a toll bill from a highway network center according to vehicle information;
acquiring a toll bill meeting preset settlement time from the toll bill;
sorting the toll bill according to a settlement list format to form a settlement list;
and sending the settlement list to the vehicle users meeting the conditions.
5. The vehicle charging system based on the Unionpay platform comprises a memory, a processor and an information processing system which is stored on the memory and can run on the processor, and is characterized in that: the information processing system comprises a vehicle toll bill generation unit, a borrowing generation unit, a payment unit, a vehicle user account deduction unit and an information sending unit;
the vehicle toll bill generation unit is used for acquiring a vehicle toll bill from a highway network center;
the system comprises a borrowing generating unit, a bank and a payment processing unit, wherein the borrowing generating unit is used for generating borrowing data according to a vehicle toll bill and sending a deduction instruction to the bank;
the payment unit is used for paying the toll bill to a designated account of the highway network center from a sponsor account associated with the unionpay platform after the bank receives the deduction instruction;
the vehicle user account deduction unit is used for deducting money in an account of a vehicle user associated with the terminal equipment and sending deduction information to the UnionPay platform;
and the information sending unit is used for sending the deduction information to a user associated with the terminal equipment through the Unionpay platform.
6. The unionpay platform-based vehicle toll collection system of claim 5 wherein: the vehicle running information is acquired by a highway network center through terminal equipment;
the Unionpay platform is provided with a database for storing registration information of vehicle users, and vehicle state data are stored in the database and comprise vehicle type data, vehicle production date and vehicle owner information;
the database stores vehicle contract information, which includes vehicle application information, vehicle audit information, vehicle deposit information, and vehicle activation information.
7. The unionpay platform-based vehicle toll collection system of claim 5 wherein: the vehicle subscription information is formed by signing between a vehicle user and a Unionpay platform, and the signing process is carried out according to the following steps:
firstly, a vehicle user initiates a transacting application, submits transacting application data of terminal equipment installed on a vehicle, and a UnionPay platform receives client data and sends real-name authentication information to the vehicle user; the Unionpay platform checks the real-name authentication data and account opening information of the client; wind control examination and approval and real-name account opening are carried out on the vehicle users; judging whether the client real name result and the verification result meet the signing conditions or not according to the verification information, and if not, returning verification failure information; if the contract signing condition is met, the customer vehicle information is accepted; initiating a signing and signing assistance text; the signing process is carried out, and the OBU is signed and issued to the vehicle; and finishing high-speed signing and concurrent terminal equipment, and finally installing equipment on a signing vehicle.
8. The unionpay platform-based vehicle toll collection system of claim 5 wherein: the Unionpay platform is also provided with a settlement list module which generates a settlement list according to the following modes:
acquiring vehicle information of a client needing settlement;
acquiring a toll bill from a highway network center according to vehicle information;
acquiring a toll bill meeting preset settlement time from the toll bill;
sorting the toll bill according to a settlement list format to form a settlement list;
and sending the settlement list to the vehicle users meeting the conditions.
9. The unionpay platform-based vehicle toll collection system of claim 5 wherein: the information processing system further comprises a high-speed state list removing unit, wherein the high-speed state list removing unit is used for removing the high-speed state list according to the following steps:
the vehicle user receives the deduction information, deposits money on the bank electronic account and initiates repayment confirmation;
judging whether the repayment information is confirmed to be successful or not, and if not, returning to inform the vehicle user of recharging;
if the payment is successful, continuing to receive the payment data and further judging whether the payment is overdue, if not, returning to finish the payment process and sending the payment success information; if yes, sending overdue information to a Unionpay platform, calculating overdue cost according to overdue time, and deducting corresponding overdue cost from the guarantee fund;
the Unionpay platform initiates a state list application, and submits overdue vehicles to a high-speed state list; sending notification information to the vehicle user to inform the vehicle user that the vehicle has entered a high-speed state list after the vehicle is overdue; the vehicle user recharges to the bank electronic user, pays out the current overdue principal and interest, and supplements the deposit;
judging whether the vehicle user completes payment, if not, continuing payment; if yes, confirming repayment information and notifying a high-speed release state list; confirming the information of the vehicle user release state list; and the way is gone according to the normal communication mode.
10. Storage medium on which a computer program is stored which, when being executed by a processor, carries out the method of any one of claims 1 to 4.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202210105457.3A CN114445062A (en) | 2022-01-28 | 2022-01-28 | Vehicle charging method and system based on Unionpay platform and storage medium |
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202210105457.3A CN114445062A (en) | 2022-01-28 | 2022-01-28 | Vehicle charging method and system based on Unionpay platform and storage medium |
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| CN114445062A true CN114445062A (en) | 2022-05-06 |
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Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN115223259A (en) * | 2022-07-15 | 2022-10-21 | 中国银行股份有限公司 | Automatic deduction method and device |
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Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN115223259A (en) * | 2022-07-15 | 2022-10-21 | 中国银行股份有限公司 | Automatic deduction method and device |
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