CN104318427A - Vehicle involvement background electronic payment system and method - Google Patents
Vehicle involvement background electronic payment system and method Download PDFInfo
- Publication number
- CN104318427A CN104318427A CN201410624093.5A CN201410624093A CN104318427A CN 104318427 A CN104318427 A CN 104318427A CN 201410624093 A CN201410624093 A CN 201410624093A CN 104318427 A CN104318427 A CN 104318427A
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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
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
- G06Q20/342—Cards defining paid or billed services or quantities
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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
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
- G06Q20/352—Contactless payments by cards
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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
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
- G06Q20/356—Aspects of software for card payments
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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
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- Engineering & Computer Science (AREA)
- Business, Economics & Management (AREA)
- Computer Networks & Wireless Communication (AREA)
- Physics & Mathematics (AREA)
- General Physics & Mathematics (AREA)
- Microelectronics & Electronic Packaging (AREA)
- Accounting & Taxation (AREA)
- Strategic Management (AREA)
- General Business, Economics & Management (AREA)
- Theoretical Computer Science (AREA)
- Finance (AREA)
- Devices For Checking Fares Or Tickets At Control Points (AREA)
Abstract
The invention discloses a vehicle involvement background electronic payment system and method. The system comprises vehicle electronic identification, a read-write base station, a background server, a bank account and a payment transaction settlement system. The read-write base station remotely recognizes the vehicle electronic identification in an encryption mode and reads the TID code or the unique identification code and relevant information of the vehicle electronic identification, wherein the relevant information contains payment transaction information, in the payment transaction process, the vehicle electronic identification read-write base station is regarded as a transaction terminal, the vehicle electronic identification is regarded as a payment card, the background server is set by a vehicle electronic identification system operator and used for storing vehicle data information, the bank account is a financial property account jointly accepted by a financing institution and the vehicle electronic identification system operator, and the payment transaction settlement system comprises a transaction server of the operator, and a settlement server and software which are set by the financing institution or the Central Bank and is in charge of supervising transaction processes and completing transaction settlement.
Description
Technical field
The present invention relates to a kind of Fare Collection System and clearing method of payment, particularly relate to a kind of vehicle backstage electronic fare payment system and method.
Background technology
At present, in some specific places or system, as shopping center, food and drink, medical centre etc., can be paid by mails by member card, social security card, pay environment for disburser provides certain facility.Along with the high speed development of Chinese transportation, particularly network of highways Fast Construction development, facilitates vehicle significantly advanced increase fast, but also brings a new difficult problem to vehicle toll management simultaneously.Various Fare Collection System of the prior art, comprises E-payment system, and no-stop charging system also exists the problem of charge, clearing form underaction, as needs are swiped the card or cash payment, more loaded down with trivial details, affects vehicle pass-through efficiency.Vehicle toll calculating, fee, expense clearance, point account clearing also have some problems or defect.Under existing road toll pattern, occur toll station too much overstocked and caused that vehicle pass-through is smooth, exhaust emissions aggravation air pollution, increase construction and operation maintenance cost simultaneously, even produce localized road traffic and run down, cause traffic congestion on a large scale.These are not obviously inconsistent with the original intention making great efforts to accelerate expressway construction, are that the image that the public serves is not inconsistent with operator.So just need one fast, backstage electronic fare payment system and method easily, to improve vehicle pass-through efficiency, charge efficiency.
Summary of the invention
One is the object of the present invention is to provide to relate to car backstage electronic fare payment system and method, organic association is carried out with bank payment system by vehicle electron identifying holder held, make holder only rely on held vehicle electron identifying label and just can pay traffic related fees quickly and easily, facilitate holder, also improve charge efficiency.
One of the present invention relates to car backstage electronic fare payment system and method, comprises vehicle electron identifying, read/write base station, background server, bank account and payment transaction settlement system, described read/write base station identifies vehicle electron identifying at a distance in the mode of encryption, reads vehicle electric mark TID code or exclusive identification code and relevant information, wherein comprises payment transaction information, during payment transaction, described vehicle electron identifying read/write base station regards as transaction terminal, described vehicle electron identifying regards as Payment Card, the server of the store car data message that described background server is set up for Vehicle Electronic Identification System operator, described bank account is the financial assets account that financial institution and Vehicle Electronic Identification System operator are approved jointly, described payment transaction settlement system comprises the trading server of operator, with the account settlement server set up by financial institution or Central Bank, and required related software, be responsible for supervising transaction flow and the clearing completing transaction.
Described bank account is divided into main account and electronic cash account two parts, main account is bank is the debit/credit finance account that vehicle electron identifying possessor sets up, electronic cash account is that bank and vehicle electron identifying operator set up and the transport cost small amount payment account managed jointly, can be transferred accounts, the amount of money transfers in electronic cash account by form that recharging by cash, third party transfer accounts by main account.
Described main account and electronic cash accounts information are stored in the server of bank and People's Bank of China, the account number of electronic cash account, or unique identifier is stored in vehicle electron identifying memory block with the ciphertext form of encryption or unencrypted plaintext version.
Described vehicle electron identifying read/write base station has two kinds of mode of operations, be respectively on-line working pattern and off-line working pattern, during on-line working, vehicle electron identifying read/write base station obtains the online mandate of account settlement server of payment transaction settlement system by background server, completes on-line transaction and clearance; During off-line working, read/write base station and background server thereof are not online with payment transaction settlement system, read/write base station and vehicle electron identifying are verified by certified offline method, after being verified, background server directly accepts transaction by read/write base station, deducts the fee from electronic cash account, when the information of offline transaction is once online with account settlement server on background server, or when needing settlement, unified transaction and clearance.
During offline transaction, described vehicle electron identifying and read/write base station support multiple verification method, comprise cryptographic calculation checking, Dynamic Data Authentication, application cryptogram generation, compound Dynamic Data Authentication, the comparison certification of video identification car plate or other checking means of approving by card issuer.
Everyone or issuing bank of described bank account can electronic cash accounts described in initialization as required, and setting rules authorize is automatically transferred accounts and to be supplemented with money electronic cash account, or instead supplement with money, to reset electronic cash balances value.
When on-line working pattern, the main account of described bank account is defaulted as payment account, and when off-line working pattern, the electronic cash account of described bank account is defaulted as payment account; Also can change according to actual needs, adjust payment account; Support remaining sum, the remaining sum upper limit, card issuer's authorization code, single trading limit, the reset threshold by described read/write base station inquiry or amendment or setting or deletion electronic cash account.
During online the or off-line working of vehicle electron identifying read/write base station, transaction log adopts the mode record transaction log same with debit/credit.
Accompanying drawing explanation
In order to be illustrated more clearly in the embodiment of the present invention or technical scheme of the prior art, be briefly described to the accompanying drawing used required in embodiment or description of the prior art below.
Fig. 1 is the schematic diagram of backstage of the present invention electronic fare payment system composition.
Fig. 2 is that schematic flow sheet is paid on backstage of the present invention by mails.
Embodiment
Below in conjunction with the accompanying drawing in the embodiment of the present invention, the technical scheme in the embodiment of the present invention is clearly and completely described.
As shown in Figure 1, the one shown in it relates to car backstage electronic fare payment system and method, comprises vehicle electron identifying, read/write base station, background server, bank account, and payment transaction settlement system; Described read/write base station identifies vehicle electron identifying at a distance in the mode of encryption, and described background server is connected to payment transaction settlement system by network; When wherein concluding the business, described read/write base station regards as transaction terminal, described vehicle electron identifying regards as Payment Card, the server of the store car data message that described background server is set up for Vehicle Electronic Identification System operator, described bank account is the financial assets account that financial institution and Vehicle Electronic Identification System operator are approved jointly, described payment transaction settlement system comprises the trading server of operator, with the account settlement server set up by financial institution or Central Bank, and software, be responsible for supervising transaction flow and the clearing completing transaction.
Described bank account is divided into main account and electronic cash account two parts, main account is bank is the debit/credit finance account that vehicle electron identifying possessor sets up, and electronic cash account is that bank and vehicle electron identifying operator set up and the transport cost small amount payment account managed jointly.Main account and electronic cash accounts information are stored in the server of bank and People's Bank of China, and the unique identifier of electronic cash account is stored in vehicle electron identifying memory block with the ciphertext form of encryption or unencrypted plaintext version.Can be transferred accounts by main account, the amount of money transfers in electronic cash account by form that recharging by cash, third party transfer accounts.
As shown in Figure 2, it is as follows that flow process is paid on backstage of the present invention by mails, and vehicle electron identifying read/write base station has two kinds of mode of operations, is respectively on-line working pattern and off-line working pattern; During on-line working, vehicle electron identifying read/write base station obtains online mandate, verified by online with vehicle electron identifying, after being verified, deduct the fee from the main account or electronic cash account of vehicle electron identifying, currency transaction information is uploaded to payment transaction settlement system by background server, and payment transaction settlement system completes on-line transaction and clearance; During off-line working, read/write base station and background server thereof are not online with payment transaction settlement system, read/write base station and vehicle electron identifying are verified by certified offline method, after being verified, background server directly accepts transaction by read/write base station, deducts the fee from electronic cash account, when the information of offline transaction is once online with account settlement server on background server, or when needing settlement, unified transaction and clearance.
During offline transaction, described vehicle electron identifying and read/write base station support multiple verification method, comprise cryptographic calculation checking, Dynamic Data Authentication, application cryptogram generation, compound Dynamic Data Authentication, the comparison certification of video identification car plate or other checking means of approving by card issuer.
Everyone or issuing bank of described bank account can electronic cash accounts described in initialization as required, and setting rules authorize is automatically transferred accounts and to be supplemented with money electronic cash account, or instead supplement with money, to reset electronic cash balances value.
In the present embodiment, when on-line working pattern, described main account is defaulted as payment account, and when off-line working pattern, described electronic cash account is defaulted as payment account.
During online the or off-line working of read/write base station, support that transaction terminal adopts the mode record transaction log same with debit/credit.
Above-described is only the preferred implementation of backstage disclosed in this invention electronic fare payment system and method; should be understood that; for the person of ordinary skill of the art; without departing from the concept of the premise of the invention; can also make some distortion and improvement, these all belong to protection scope of the present invention.
Claims (5)
1. relate to car backstage electronic fare payment system and a method, it is characterized in that, comprise vehicle electron identifying, read/write base station, background server, bank account and payment transaction settlement system; Described read/write base station identifies vehicle electron identifying at a distance in the mode of encryption, reads vehicle electric mark TID code or exclusive identification code and relevant information, wherein comprises payment transaction information; During payment transaction, described vehicle electron identifying read/write base station regards as transaction terminal, described vehicle electron identifying regards as Payment Card, the server of the store car data message that described background server is set up for Vehicle Electronic Identification System operator, described bank account is the financial assets account that financial institution and Vehicle Electronic Identification System operator are approved jointly, described payment transaction settlement system comprises the trading server of operator, with the account settlement server set up by financial institution or Central Bank and software, be responsible for supervising transaction flow and the clearing completing transaction.
2. one according to claim 1 relates to car backstage electronic fare payment system and method, it is characterized in that, described bank account is divided into main account and electronic cash account two parts, main account is bank is the debit/credit finance account that vehicle electron identifying possessor sets up, electronic cash account is that bank and vehicle electron identifying operator set up and the transport cost small amount payment account managed jointly, can be transferred accounts, the amount of money transfers in electronic cash account by form that recharging by cash, third party transfer accounts by main account.
3. one according to claim 1 relates to car backstage electronic fare payment system and method, it is characterized in that, described main account and electronic cash accounts information are stored in the server of bank and People's Bank of China, the account number of electronic cash account, or unique identifier is stored in vehicle electron identifying memory block with the ciphertext form of encryption or unencrypted plaintext version.
4. one according to claim 1 relates to car backstage electronic fare payment system and method, it is characterized in that, described vehicle electron identifying read/write base station has two kinds of mode of operations, be respectively on-line working pattern and off-line working pattern, during on-line working, vehicle electron identifying read/write base station obtains the online mandate of account settlement server of payment transaction settlement system by background server, completes on-line transaction and clearance; During off-line working, read/write base station and background server thereof are not online with payment transaction settlement system, read/write base station and vehicle electron identifying are verified by certified offline method, after being verified, background server directly accepts transaction by read/write base station, deducts the fee from electronic cash account, when the information of offline transaction is once online with account settlement server on background server, or when needing settlement, unified transaction and clearance.
5. one according to claim 1 relates to car backstage electronic fare payment system and method, it is characterized in that, during offline transaction, described vehicle electron identifying and read/write base station support multiple verification method, comprise cryptographic calculation checking, Dynamic Data Authentication, application cryptogram generation, compound Dynamic Data Authentication, video identification car plate comparison certification.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201410624093.5A CN104318427A (en) | 2014-11-10 | 2014-11-10 | Vehicle involvement background electronic payment system and method |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201410624093.5A CN104318427A (en) | 2014-11-10 | 2014-11-10 | Vehicle involvement background electronic payment system and method |
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| CN104318427A true CN104318427A (en) | 2015-01-28 |
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| Application Number | Title | Priority Date | Filing Date |
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| CN201410624093.5A Pending CN104318427A (en) | 2014-11-10 | 2014-11-10 | Vehicle involvement background electronic payment system and method |
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Cited By (10)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN106936851A (en) * | 2017-04-25 | 2017-07-07 | 物载天下网络科技（苏州）有限公司 | It is a kind of that the processing method and its system of unified account number are used in vehicle and goods matching system |
| CN106941499A (en) * | 2017-04-25 | 2017-07-11 | 物载天下网络科技（苏州）有限公司 | It is a kind of in vehicle and goods matching system use unified account number processing method and its system |
| CN107170060A (en) * | 2017-04-07 | 2017-09-15 | 北京易华录信息技术股份有限公司 | A kind of congestion expense payment system, method and device based on vehicle electron identifying |
| CN108269081A (en) * | 2017-12-14 | 2018-07-10 | 中国银联股份有限公司 | A kind of automobile self transaction settlement method and automobile self business settlement system |
| CN108737356A (en) * | 2017-04-25 | 2018-11-02 | 物载天下网络科技（苏州）有限公司 | A kind of processing method and its system using unified account number in vehicle and goods matching system |
| CN108737357A (en) * | 2017-04-25 | 2018-11-02 | 物载天下网络科技（苏州）有限公司 | A kind of processing method and its system using unified account number in vehicle and goods matching system |
| CN109727025A (en) * | 2018-12-28 | 2019-05-07 | 广东铭鸿数据有限公司 | A kind of noninductive method of payment and equipment based on vehicle carried electronic label |
| CN109727024A (en) * | 2018-12-28 | 2019-05-07 | 广东铭鸿数据有限公司 | A kind of noninductive method of payment and device based on barcode scanning payment |
| CN111833046A (en) * | 2020-07-28 | 2020-10-27 | 中国银行股份有限公司 | Digital electronic cash management method and device |
| CN113094752A (en) * | 2021-04-26 | 2021-07-09 | 北京芯安微电子技术有限公司 | Privacy protection method and system for automobile electronic identification |
-
2014
- 2014-11-10 CN CN201410624093.5A patent/CN104318427A/en active Pending
Cited By (13)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN107170060A (en) * | 2017-04-07 | 2017-09-15 | 北京易华录信息技术股份有限公司 | A kind of congestion expense payment system, method and device based on vehicle electron identifying |
| CN106936851B (en) * | 2017-04-25 | 2021-07-06 | 物载天下网络科技（苏州）有限公司 | Processing method and system for using unified account number in vehicle and goods matching system |
| CN106941499A (en) * | 2017-04-25 | 2017-07-11 | 物载天下网络科技（苏州）有限公司 | It is a kind of in vehicle and goods matching system use unified account number processing method and its system |
| CN106936851A (en) * | 2017-04-25 | 2017-07-07 | 物载天下网络科技（苏州）有限公司 | It is a kind of that the processing method and its system of unified account number are used in vehicle and goods matching system |
| CN108737356A (en) * | 2017-04-25 | 2018-11-02 | 物载天下网络科技（苏州）有限公司 | A kind of processing method and its system using unified account number in vehicle and goods matching system |
| CN108737357A (en) * | 2017-04-25 | 2018-11-02 | 物载天下网络科技（苏州）有限公司 | A kind of processing method and its system using unified account number in vehicle and goods matching system |
| CN108269081A (en) * | 2017-12-14 | 2018-07-10 | 中国银联股份有限公司 | A kind of automobile self transaction settlement method and automobile self business settlement system |
| CN108269081B (en) * | 2017-12-14 | 2022-03-18 | 中国银联股份有限公司 | Automobile self-service transaction settlement method and automobile self-service transaction settlement system |
| CN109727024A (en) * | 2018-12-28 | 2019-05-07 | 广东铭鸿数据有限公司 | A kind of noninductive method of payment and device based on barcode scanning payment |
| CN109727025A (en) * | 2018-12-28 | 2019-05-07 | 广东铭鸿数据有限公司 | A kind of noninductive method of payment and equipment based on vehicle carried electronic label |
| CN111833046A (en) * | 2020-07-28 | 2020-10-27 | 中国银行股份有限公司 | Digital electronic cash management method and device |
| CN111833046B (en) * | 2020-07-28 | 2024-02-23 | 中国银行股份有限公司 | Digital electronic cash management method and device |
| CN113094752A (en) * | 2021-04-26 | 2021-07-09 | 北京芯安微电子技术有限公司 | Privacy protection method and system for automobile electronic identification |
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| WD01 | Invention patent application deemed withdrawn after publication |
Application publication date: 20150128 |
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| WD01 | Invention patent application deemed withdrawn after publication |