CN111401870A

CN111401870A - ETC payment sorting method and device based on block chain and electronic equipment

Info

Publication number: CN111401870A
Application number: CN202010214573.XA
Authority: CN
Inventors: 王晓亮; 魏晨
Original assignee: Hangzhou Rivtower Technology Co Ltd
Current assignee: Hangzhou Rivtower Technology Co Ltd
Priority date: 2020-03-24
Filing date: 2020-03-24
Publication date: 2020-07-10

Abstract

The embodiment of the specification relates to an ETC payment clearing method, an ETC payment clearing device and electronic equipment based on a block chain, and the ETC payment clearing method mainly comprises the following steps: the parking platform receives parking fee paid by a vehicle owner in a collection account in a bank system; transferring the parking fee into a bank mortgage account; converting the RMB in the bank mortgage account into block chain assets according to a fixed proportion; issuing the blockchain assets to clearing intelligent contracts; and executing the clearing intelligent contract, and transferring the block chain assets to the asset accounts of the ETC payment beneficiaries on the block chain according to the preset distribution rule. The automatic liquidity of the ETC payment in the parking lot is realized based on the block chain intelligent contract technology, the fund liquidity is higher, and the income safety of the platform and the merchant is guaranteed better. Meanwhile, the supervision requirements of supervision agencies on clearing rules are met.

Description

ETC payment sorting method and device based on block chain and electronic equipment

Technical Field

The embodiment of the specification relates to the technical field of networks, in particular to an ETC payment sorting method and device based on a block chain and electronic equipment.

Background

The existing internet parking scene comprises an internet parking platform, a parking lot merchant and an owner, and is a typical platform flow operation mode. Generally, a parking platform provides a software system and a payment channel through which a customer makes on-line ETC payment. And after the parking fee collected by the merchant stays in the platform account for a certain time, clearing is carried out by depending on the record of the platform system. After the clearing is finished, the merchant also needs to pay a certain service fee to the platform. However, the payment settlement method based on the internet parking platform has the following problems: a large amount of funds paid by the client are flushed into the platform, and huge pressure of tax management and fund clearing is caused to the platform; the problems of risk of running and closing of the platform and accurate account checking exist; the speed of the actual fund transfer is slow.

Meanwhile, the upper complaint scene also does not meet the supervision requirements of the current supervision organization on the clearing of the rules: 1) the fund to be cleared belonging to the merchant cannot stay on the platform side account; 2) the information can not be cleared, namely the basis of clearing can not be from the platform side.

Disclosure of Invention

The embodiment of the specification provides an ETC payment clearing method and device based on a block chain and electronic equipment, and aims to solve the problems that loss is caused to merchants, timeliness of fund transfer and compliance clearing supervision requirements are caused by the fact that a platform is closed upside down in the prior art.

In order to solve the above technical problem, the embodiments of the present specification adopt the following technical solutions:

in a first aspect, an ETC payment liquidation method based on a zone chain is provided, the method including:

the parking platform receives parking fee paid by a vehicle owner in a collection account in a bank system;

transferring the parking fee into a bank mortgage account;

converting the RMB in the bank mortgage account into block chain assets according to a fixed proportion;

issuing the blockchain assets to clearing intelligent contracts;

and executing the clearing intelligent contract, and transferring the block chain assets to the asset accounts of the ETC payment beneficiaries on the block chain according to the preset distribution rule.

In a second aspect, an ETC payment clearing device based on a zone chain is provided, the device comprising:

a charging unit: the payment receiving account used for the parking platform in the bank system receives the parking fee paid by the vehicle owner;

a transfer unit: transferring the parking fee into a bank mortgage account;

a conversion unit: converting the RMB in the bank mortgage account into block chain assets according to a fixed proportion;

an issuing unit: issuing the blockchain assets to clearing intelligent contracts;

a sorting unit: and executing the clearing intelligent contract, and transferring the block chain assets to the asset accounts of the ETC payment beneficiaries on the block chain according to the preset distribution rule.

In a third aspect, an electronic device is provided, including: one or more processors and memory, wherein the memory contains one or more computer programs executable by the one or more processors to cause the one or more processors to perform a blockchain based ETC payment inventory method provided in accordance with embodiments of the invention.

In a fourth aspect, the present invention also provides a storage medium storing a computer program that causes a computer to execute the block chain-based ETC payment credit clearing method provided according to the embodiments of the present invention.

The embodiment of the specification adopts at least one technical scheme which can achieve the following beneficial effects: based on the block chain intelligent contract technology, the parking fee full-amount mortgage is adopted as a block chain asset form, automatic liquidity of parking lot ETC payment is achieved, fund liquidity is higher, and income safety of a platform and a merchant is guaranteed better. Meanwhile, the value flow in the fund clearing process can realize the unification of information flow and fund flow, thereby meeting the supervision requirements of a supervision organization on the rule clearing. Meanwhile, due to the characteristic of anonymity of the blockchain accounts, a single user is allowed to hold a plurality of blockchain accounts under the condition of supervision control.

Drawings

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

Fig. 1 is a schematic step diagram of an ETC payment clearing method based on a block chain according to an embodiment of the present disclosure;

fig. 2 is a schematic flow chart of block chain-based ETC payment liquidation and withdrawal provided in an embodiment of the present disclosure;

fig. 3 is a schematic structural diagram of an ETC payment clearing device based on a block chain according to an embodiment of the present disclosure;

fig. 4 is a schematic structural diagram of an electronic device provided in an embodiment of this specification.

Detailed Description

In order to make the objects, technical solutions and advantages of the embodiments of the present disclosure more clear, the technical solutions of the embodiments of the present disclosure will be clearly and completely described below with reference to the specific embodiments of the present disclosure and the accompanying drawings. It is to be understood that the embodiments described are only a few embodiments of the present disclosure, and not all embodiments. All other embodiments obtained by a person of ordinary skill in the art based on the embodiments in the present specification without any creative effort belong to the protection scope of the embodiments in the present specification.

The technical solutions provided by the embodiments of the present description are described in detail below with reference to the accompanying drawings.

Example one

Referring to fig. 1, a schematic diagram of steps of an ETC payment inventory method based on a block chain provided in an embodiment of the present disclosure is shown, where the method may include the following steps:

step 102: the parking platform receives parking fee paid by a vehicle owner in a collection account in a bank system;

step 104: transferring the parking fee into a bank mortgage account;

step 106: converting the RMB in the bank mortgage account into block chain assets according to a fixed proportion;

step 108: issuing the blockchain assets to clearing intelligent contracts;

step 110: and executing the clearing intelligent contract, and transferring the block chain assets to the asset accounts of the ETC payment beneficiaries on the block chain according to the preset distribution rule.

Optionally, the method further includes:

the ETC payment beneficiary issues the block chain assets in the asset accounts on the block chain to the intelligent contract for the cash-out on the block chain;

and executing the cash-out intelligent contract, and transferring the RMB with the corresponding proportion from the bank mortgage account to a collection account of the ETC payment beneficiary in a bank system after destroying the block chain assets.

From the above, it can be seen that the asset account of the ETC payment participant on the blockchain and the collection account in the banking system are bound and corresponding, and the bank mortgage account corresponds to a specific service, such as a bank mortgage account related to the ETC payment service set in a certain parking lot.

In the embodiment of the invention, in order to ensure the financial security, a full mortgage mode based on a blockchain intelligent contract technology is adopted, and equal-amount blockchain assets, such as token, corresponding to a bank mortgage account are issued on a chain. the exchange ratio of the token to the RMB can be 1:1, namely 1 Yuan RMB is put into a bank mortgage account, and 1token can be obtained; the 1token returns the intelligent contract to be destroyed, and 1 Yuan RMB can be taken out from the bank mortgage account number. Its redeemability is guaranteed by the mortgage bank. Fig. 2 is a schematic flow chart of block chain-based ETC payment liquidation and withdrawal provided in an embodiment of the present disclosure.

In the ETC payment scenario, the service fee refers to the fee paid to the parking platform by an ETC payment beneficiary, such as a parking lot merchant, using software and hardware services provided by the parking platform. This fee is usually not a one-time settlement fee, but is a monthly or lever-raising fee. In order to completely solve the business problem, the embodiment of the invention provides the function of service fee deduction. According to the relevant regulations of the bank supervision, the liquidation and the service fee deduction are two business backgrounds and must be independently executed, for example, the parking fee is 100 yuan, and 10 yuan of service fee needs to be paid to a parking platform. Then the 90 dollars are not allowed to be transferred directly to the parking merchant and 10 dollars are transferred to the parking platform account during the liquidation process. Must be 1) transfer to the parking lot merchant for 100 dollars; 2) and deducting 10 yuan from the account of the parking lot merchant to the account of the parking platform. Therefore, the embodiment of the invention can immediately carry out deduction replacement of the service fee after the clearing is finished through the intelligent contract, so that the condition that the fund stays in the account of the merchant of the parking lot for too long time is ensured, and the parking platform can also obtain corresponding reward in time.

Therefore, optionally, the method further comprises:

and the service fee deduction intelligent contract is used for monitoring the liquidation intelligent contract, and after the execution of the liquidation intelligent contract is finished, the block chain assets in the asset accounts of the ETC payment beneficiaries on the block chain are transferred to the asset accounts of the parking platform on the block chain according to the proportion agreed by the parking platform and the ETC payment beneficiaries in advance.

Similarly, the parking platform can also issue the assets in the asset account on the block chain to the cash-out intelligent contract, and the RMB with the corresponding amount is taken out from the mortgage account of the bank in a mode of destroying the block chain assets.

Optionally, the parking platform or the ETC payment beneficiary is in an association relationship between an asset account on the block chain and a bank real-name account thereof, and one bank real-name account corresponds to one or more asset accounts on the block chain

The participants of the block chain must hold a public and private key pair, and the information sharing can be realized on the chain. According to the block chain information service management regulation issued by the national internet information office, the block chain service is provided by completing the real-name authentication of the user. In order to reduce the cost of system construction and user use, the participating party of ETC payment in the embodiment of the invention can hang the block chain public and private key pair account under the user account authenticated by the bank real name. The requirement of real-name authentication is met, and the user can participate in login by using a bank account. In a controlled scenario, a single user is allowed to hold multiple blockchain accounts.

Through this description technical scheme, adopt the form of parking fee total amount mortgage as the block chain asset based on block chain intelligent contract technique, realize the automatic credit clearing of parking area ETC payment, the fund mobility is higher, is more guaranteed to the income security of platform and merchant. Meanwhile, the value flow in the fund clearing process can realize the unification of information flow and fund flow, thereby meeting the supervision requirements of a supervision organization on the rule clearing. Meanwhile, due to the characteristic of anonymity of the blockchain accounts, a single user is allowed to hold a plurality of blockchain accounts under the condition of supervision control.

Example two

Referring to fig. 3, the device for clearing and sorting ETC payment based on a block chain provided in an embodiment of the present disclosure includes:

the charging unit 202: the payment receiving account used for the parking platform in the bank system receives the parking fee paid by the vehicle owner;

the transfer unit 204: transferring the parking fee into a bank mortgage account;

the conversion unit 206: converting the RMB in the bank mortgage account into block chain assets according to a fixed proportion;

the issuing unit 208: issuing the blockchain assets to clearing intelligent contracts;

the sorting unit 210: and executing the clearing intelligent contract, and transferring the block chain assets to the asset accounts of the ETC payment beneficiaries on the block chain according to the preset distribution rule.

Optionally, the apparatus further comprises:

a cash withdrawal unit: the ETC payment beneficiary is used for signing the blockchain assets in the asset accounts on the blockchain to the intelligent contract for cash-out on the blockchain; and executing the cash-out intelligent contract, and transferring the RMB with the corresponding proportion from the bank mortgage account to a collection account of the ETC payment beneficiary in a bank system after destroying the block chain assets.

Optionally, the apparatus further comprises:

a service fee withholding unit: and monitoring the clearing intelligent contract by utilizing a service fee deduction intelligent contract, and transferring the block chain assets in the asset accounts of the ETC payment beneficiaries on the block chain to the asset accounts of the parking platform on the block chain according to the proportion agreed in advance by the parking platform and the ETC payment beneficiaries after the clearing intelligent contract is executed.

Optionally, the parking platform or the ETC payment beneficiary may have an association relationship between an asset account of the parking platform or the ETC payment beneficiary on the blockchain and a bank real-name account thereof, and one bank real-name account corresponds to one or more asset accounts on the blockchain.

It should be understood that, in the second embodiment, the block chain-based ETC payment sorting device may execute all technical solutions related to the block chain-based ETC payment sorting method in the form of a functional module, and implement corresponding technical effects, which are not described herein again.

EXAMPLE III

The electronic apparatus of the embodiment of the present specification is described in detail below with reference to fig. 4. Referring to fig. 4, at a hardware level, the electronic device includes one or more processors and a memory. Optionally, an internal bus and a network interface are also included. The Memory may include a Memory, such as a Random-Access Memory (RAM), and may further include a Non-Volatile Memory (Non-Volatile Memory), such as at least 1 disk Memory. Of course, the electronic device may also include hardware required for other services.

The processor, the network interface, and the memory may be interconnected by an internal bus, which may be an Industry Standard Architecture (ISA) bus, a Peripheral Component Interconnect (PCI) bus, an extended EISA (EISA) bus, or the like. The bus may be divided into an address bus, a data bus, a control bus, etc. For ease of illustration, only one double-headed arrow is shown in FIG. 4, but that does not indicate only one bus or one type of bus.

A memory for storing a computer program. In particular, the computer program may comprise program code comprising computer operating instructions. The memory may include both memory and non-volatile storage and provides instructions and data to the processor.

The processor reads a corresponding computer program from the nonvolatile memory into the memory and then runs the computer program to form the ETC payment sorting device based on the block chain on a logic level. And the processor executes the program stored in the memory and is particularly used for executing the method operation executed when the block chain-based ETC payment sorting device is taken as an execution main body.

The method disclosed in the embodiment of fig. 1 in this specification can be applied to a processor or implemented by a processor. The processor may be an integrated circuit chip having signal processing capabilities. In implementation, the steps of the above method may be performed by integrated logic circuits of hardware in a processor or instructions in the form of software. The Processor may be a general-purpose Processor, including a Central Processing Unit (CPU), a Network Processor (NP), and the like; but also Digital Signal Processors (DSPs), Application Specific Integrated Circuits (ASICs), Field Programmable Gate Arrays (FPGAs) or other Programmable logic devices, discrete Gate or transistor logic devices, discrete hardware components. The various methods, steps and logic blocks disclosed in the embodiments of the present specification may be implemented or performed. A general purpose processor may be a microprocessor or the processor may be any conventional processor or the like. The steps of a method disclosed in connection with the embodiments of the present specification may be embodied directly in a hardware decoding processor, or in a combination of hardware and software modules in the decoding processor. The software module may be located in ram, flash memory, rom, prom, or eprom, registers, etc. storage media as is well known in the art. The storage medium is located in a memory, and a processor reads information in the memory and completes the steps of the method in combination with hardware of the processor.

The electronic device may further implement the function of the embodiment shown in fig. 3 of ETC payment clearing based on the block chain, and the embodiment of this specification is not described herein again.

Of course, besides the software implementation, the electronic device of the embodiment of the present disclosure does not exclude other implementations, such as a logic device or a combination of software and hardware, and the like, that is, the execution subject of the following processing flow is not limited to each logic unit, and may also be hardware or a logic device.

Example four

Embodiments of the present specification also provide a storage medium storing a computer program, the computer readable storage medium storing one or more programs for use by a processor in performing the zone chain based ETC payment inventory method described in the present application.

The computer-readable storage medium may be a computer-readable storage medium contained in the apparatus of the above-described embodiment; or it may be a separate computer readable storage medium not incorporated into the device. The computer-readable storage medium may be a Read-Only Memory (ROM), a Random Access Memory (RAM), a magnetic disk or an optical disk.

In short, the above description is only a preferred embodiment of the present disclosure, and is not intended to limit the scope of the present disclosure. Any modification, equivalent replacement, improvement and the like made within the spirit and principle of the embodiments of the present disclosure should be included in the protection scope of the embodiments of the present disclosure.

The systems, devices, modules or units illustrated in the above embodiments may be implemented by a computer chip or an entity, or by a product with certain functions. One typical implementation device is a computer. In particular, the computer may be, for example, a personal computer, a laptop computer, a cellular telephone, a camera phone, a smartphone, a personal digital assistant, a media player, a navigation device, an email device, a game console, a tablet computer, a wearable device, or a combination of any of these devices.

Computer-readable media, including both non-transitory and non-transitory, removable and non-removable media, may implement information storage by any method or technology. The information may be computer readable instructions, data structures, modules of a program, or other data. Examples of computer storage media include, but are not limited to, phase change memory (PRAM), Static Random Access Memory (SRAM), Dynamic Random Access Memory (DRAM), other types of Random Access Memory (RAM), Read Only Memory (ROM), Electrically Erasable Programmable Read Only Memory (EEPROM), flash memory or other memory technology, compact disc read only memory (CD-ROM), Digital Versatile Discs (DVD) or other optical storage, magnetic cassettes, magnetic tape magnetic disk storage or other magnetic storage devices, or any other non-transmission medium that can be used to store information that can be accessed by a computing device. As defined herein, a computer readable medium does not include a transitory computer readable medium such as a modulated data signal and a carrier wave.

It should also be noted that 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 like elements in a process, method, article, or apparatus that comprises the element.

The embodiments in the present specification are all described in a progressive manner, and the same and similar parts among the embodiments can be referred to each other, and each embodiment focuses on the differences from the other embodiments. It will be appreciated by a person skilled in the art that the scope of the invention as referred to in the present application is not limited to the specific combination of the above-mentioned features, but also covers other embodiments formed by any combination of the above-mentioned features or their equivalents without departing from the concept of the present application. For example, the above features may be replaced with (but not limited to) features having similar functions disclosed in the present application.

Claims

1. An ETC payment liquidation method based on a blockchain, the method comprising:

transferring the parking fee into a bank mortgage account;

issuing the blockchain assets to clearing intelligent contracts;

2. The method of claim 1, further comprising:

3. The method of claim 1, further comprising:

4. The method of claim 1 or 3, further comprising: the parking platform or the ETC payment beneficiary is in an incidence relation between the asset accounts on the block chain and the bank real-name accounts, and one bank real-name account corresponds to one or more asset accounts on the block chain.

5. An ETC payment clearing device based on a blockchain, the device comprising:

a transfer unit: transferring the parking fee into a bank mortgage account;

6. The apparatus of claim 5, further comprising:

7. The apparatus of claim 5, further comprising:

8. The apparatus of claim 5 or 7, wherein the parking platform or ETC payment beneficiary has an association relationship between their asset accounts on the blockchain and their bank real-name accounts, and one bank real-name account corresponds to one or more asset accounts on the blockchain.

9. An electronic device, comprising:

one or more processors;

a memory for storing one or more computer programs;

the one or more programs, when executed by the one or more processors, cause the one or more processors to perform the method recited in any of claims 1-4.

10. A storage medium storing a computer program, characterized in that the program, when executed by a processor, implements the method according to any one of claims 1-4.