CN111815793A

CN111815793A - ETC (electronic toll Collection) split-account payment device, method and system

Info

Publication number: CN111815793A
Application number: CN202010645105.8A
Authority: CN
Inventors: 吴佳文; 王伟权; 陈树勇; 吴雄秋
Original assignee: Industrial and Commercial Bank of China Ltd ICBC
Current assignee: Industrial and Commercial Bank of China Ltd ICBC
Priority date: 2020-07-07
Filing date: 2020-07-07
Publication date: 2020-10-23

Abstract

An ETC split-account payment device, method and system, the ETC split-account payment device is arranged at a preset position of a vehicle, comprising: the registration module initiates a registration request to a server according to the vehicle information and the user information; receiving the fed back vehicle identification information and writing the vehicle identification information into the identity identification module; the identity identification module stores the vehicle identification information for an external identification device to identify and acquire the vehicle identification information; the processing module acquires the branch account activity information and vehicle identification information provided by other ETC branch account payment devices, generates an activity protocol according to the branch account activity information and the activity participant information, uploads the activity protocol to the server to establish branch account activity, and carries out branch account fee deduction operation on the activity participants through the branch account activity established by the server; or receiving the account splitting activity invitation provided by other ETC account splitting payment devices, generating activity participant information according to the vehicle identification information of the vehicle and the associated user information, and providing the activity participant information to the corresponding ETC account splitting payment device.

Description

ETC (electronic toll Collection) split-account payment device, method and system

Technical Field

The invention relates to the field of financial electronic equipment and systems, in particular to an ETC (electronic toll collection) split-account payment device, method and system.

Background

In recent years, ETC has been rapidly developed with the support of national policies, and convenience and traffic efficiency of highway vehicles have been greatly improved. ETC is a highway electronic toll collection system. Dedicated short-range communication is performed with a Road Side Unit (RSU) on an ETC lane at a toll station through an on-board unit (OBU) mounted on a windshield of a vehicle. When the vehicle passes through the toll station port, the loop sensor senses the vehicle, the RSU sends out an inquiry signal, the OBU responds and carries out bidirectional communication and data exchange, the background center management system acquires vehicle identification information and carries out background settlement processing with a bank by utilizing a computer networking technology, and therefore the purpose that the vehicle can pay the highway or bridge expenses without parking in the highway or bridge toll station is achieved.

With the development of the internet of vehicles, the vehicles on the highway are more closely connected with each other, and the vehicles are in a team to go out, which relates to the problem of paying for the trip fee, for example, a certain vehicle pays for other vehicles in the same trip, or the vehicles in the same trip pay the fee according to a certain proportion. The conventional ETC charging system only solves the requirement of single vehicle passing payment and cannot meet the requirement of separate account payment.

The prior art application number is: 201911007647.6 discloses a block chain-based ETC payment information processing system and method for a fleet of vehicles, which registers vehicle information in advance through the block chain, and when the fleet of vehicles collectively pass through an ETC channel, the fee is paid uniformly by a front-end vehicle, and each tail vehicle is paid to the front-end vehicle through an on-line or off-line. The technical scheme has the following defects: first, the fleet needs to be lined up in front and rear longitudinal lines by the head fleet to collectively pass through the ETC passageway. In the busy time of the expressway, a great number of vehicles pass through the ETC, and the sequence positions of the vehicles are difficult to ensure. Secondly, the tail car needs to submit the money to the head car in ways such as transferring accounts afterwards, the account distribution process is complicated, and the customer experience is poor.

In addition, the ETC vehicle-mounted unit is complicated in application and registration processes at present, and needs to apply to a road network center or a bank, register users on a mobile phone APP, and then perform a series of operations such as binding. Ordinary users are difficult to finish the operation by themselves, and bank professionals are generally needed for assistance.

In summary, with the rapid development of the ETC, new technical means are needed to improve the application and opening processes of the ETC vehicle-mounted device and to meet the demands of personalized billing such as vehicle traveling.

Disclosure of Invention

The invention aims to provide an ETC split-charging payment device, a method and a system, which are used for simplifying the registration process of ETC vehicle-mounted equipment and solving the problem of ETC toll split-charging of vehicle fleeing.

In order to achieve the above object, the present invention provides an ETC split-payment device disposed at a predetermined position of a vehicle, comprising a registration module, an identification module and a processing module; the registration module is used for initiating a registration request to a predetermined server according to the current vehicle information and the user information; receiving the fed back vehicle identification information, and writing the vehicle identification information into the identity identification module; the identity identification module is used for storing the vehicle identification information for an external identification device to identify and acquire the vehicle identification information; the processing module is used for acquiring the account-separating activity information and vehicle identification information provided by other ETC account-separating payment devices, generating an activity protocol according to the account-separating activity information and the activity participant information, uploading the activity protocol to a preset server to establish an account-separating activity, and performing account-separating and fee-deducting operation on the activity participant through the account-separating activity established by the preset server; or receiving the account splitting activity invitation provided by other ETC account splitting payment devices, generating activity participant information according to the vehicle identification information of the current vehicle and the associated user information, and providing the activity participant information to the corresponding ETC account splitting payment device.

In the above-mentioned ETC split-account payment apparatus, preferably, the ETC split-account payment apparatus further includes a near field communication module, an inquiry module, and a data input module; the near field communication module is connected with the identity identification module and used for providing the vehicle identification information to external identification equipment through a near field communication protocol; the data input module is used for receiving the account separating activity information, the user information and the current vehicle information input by the user; the inquiry module is in communication connection with the preset server and used for providing inquiry and displaying the traffic information and the deduction information of the current vehicle.

The invention also provides an ETC separate payment method, which comprises the following steps: initiating a registration request to a predetermined server according to the current vehicle information and the user information; receiving and storing vehicle identification information fed back by a preset server; acquiring branch account activity information and vehicle identification information provided by other ETC branch account payment devices, and generating an activity protocol according to the branch account activity information and the activity participant information; and uploading the activity protocol to a preset server to establish a billing activity, and performing billing and fee deduction operation on the activity participants through the billing activity established by the preset server.

In the above ETC split payment method, preferably, the method further includes: and receiving the account splitting activity invitation provided by other ETC account splitting payment devices, generating activity participant information according to the vehicle identification information of the current vehicle and the associated user information, and providing the activity participant information to the corresponding ETC account splitting payment device.

In the above-mentioned ETC split-charging payment method, preferably, the split-charging operation performed on the activity participant through the split-charging activity established by the reservation server includes: reading vehicle identification information on a passing vehicle, acquiring a first station position, and generating first position information according to the vehicle identification information and the first station position; when the vehicle identification information on the passing vehicle is read again, acquiring a second station position, and generating second position information according to the vehicle identification information and the second station position; matching the first position information and the second position information with the same vehicle identification information, and calculating to obtain vehicle toll according to the first position information and the second position information; and generating a fee deduction protocol according to the vehicle passing fee and the branch account activity information in the branch account activity, and performing branch account fee deduction operation on a corresponding account according to the fee deduction protocol.

In the above-described ETC split-charging payment method, preferably, the generating of the deduction protocol based on the vehicle toll and the split-charging activity information in the split-charging activity includes: reading vehicle identification information on a passing vehicle, and comparing the vehicle identification information with the activity participant information in the accounting activity; and when any one of the activity participant information in the billing activity contains the vehicle identification information, generating a fee deduction protocol according to the vehicle toll and the billing activity information in the billing activity.

In the above ETC split payment method, preferably, the split event information includes the number of participants in the event, the license plate number of the participants, and a split rule.

The invention also provides an ETC credit-sharing payment system, which comprises a roadside device, a clearing device and a plurality of ETC credit-sharing payment devices; the ETC credit-sharing payment device is arranged at a preset position of a vehicle and used for initiating a registration request to the clearing device according to current vehicle information and user information, and receiving and storing vehicle identification information fed back by the clearing device; acquiring branch accounting activity information and vehicle identification information provided by other ETC branch accounting payment devices, generating an activity protocol according to the branch accounting activity information and the activity participant information, and uploading the activity protocol to the clearing device to establish branch accounting activity; or receiving the credit-sharing activity invitation provided by other ETC credit-sharing payment devices, generating activity participant information according to the vehicle identification information of the current vehicle and the associated user information, and providing the activity participant information to the corresponding ETC credit-sharing payment device; the roadside device is arranged at a preset station position on a road and used for reading vehicle identification information stored in the ETC credit payment device on a vehicle and uploading the vehicle identification information and the station position to the clearing device; the clearing device is in communication connection with the ETC split-charging payment device and the roadside device respectively and is used for generating vehicle identification information according to the received vehicle information and user information and feeding the vehicle identification information back to the corresponding ETC split-charging payment device; and comparing the received vehicle identification information with the activity participant information in the split-account activity, and performing split-account deduction processing on the user information related to the vehicle identification information according to a comparison result, the site position and the split-account activity information in the split-account activity.

In the above ETC split-payment system, preferably, the roadside apparatus includes a roadside unit and a roadside unit server; the roadside unit is used for reading vehicle identification information stored in the ETC separate payment device on a vehicle through a near field communication protocol and uploading the vehicle identification information to the roadside unit server; the roadside unit server is in communication connection with the roadside unit and is used for triggering and acquiring the site position of the roadside unit according to the received vehicle identification information; and uploading the vehicle identification information and the station position to the clearing device.

In the above ETC split-payment system, preferably, the clearing device includes a road network clearing center server and a bank clearing center server; the road network clearing center server is used for providing the received vehicle information and user information to the bank clearing center server for verification, generating vehicle identification information according to the vehicle information and the user information after the verification is passed, and feeding the vehicle identification information back to the corresponding ETC split payment device; receiving vehicle identification information and a station position provided by the roadside device, and calculating to obtain vehicle toll according to the station position; generating a fee deduction protocol according to the vehicle passing fee and the branch account activity information in the branch account activity, and providing the fee deduction protocol to the bank clearing center server; the bank clearing center server is used for receiving the user information provided by the road network clearing center server, verifying the user information with prestored user information, and feeding back the user information to the road network clearing center server after the user information passes the verification; and carrying out sub-accounting fee deduction processing on the corresponding account according to the fee deduction protocol.

In the above-mentioned ETC split-charging payment system, preferably, the ETC split-charging payment apparatus includes a near field communication read-write unit, an intelligent chip, an input unit, a display unit, a storage unit, and a near field communication chip; the near field communication read-write unit interacts with the near field communication chip and is used for reading and writing data into the near field communication chip according to a near field communication protocol; the intelligent chip is used for coordinating and controlling the operation among all components in the ETC split payment device; the input unit is used for receiving data input by a user; the display unit is used for providing a user data viewing window; the storage unit is used for storing the passing information and the deduction information of the current vehicle; the near field communication chip is used for storing the vehicle identification information.

The invention also provides an electronic device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor implements the method when executing the computer program.

The present invention also provides a computer-readable storage medium storing a computer program for executing the above method.

The invention has the beneficial technical effects that: the ETC split-account payment device is operated by the activity applicant and the participants to establish the ETC split-account activity, so that the operability and the convenience of the split-account activity are improved, and the settlement fees of the participants can be used at the server side to finish the split-account operation.

Drawings

The accompanying drawings, which are included to provide a further understanding of the invention and are incorporated in and constitute a part of this application, illustrate embodiment(s) of the invention and together with the description serve to explain the principles of the invention. In the drawings:

fig. 1 is a schematic structural diagram of an ETC split-payment apparatus according to an embodiment of the present invention;

fig. 2 is a schematic application diagram of an ETC split-payment apparatus according to an embodiment of the present invention;

fig. 3 is a schematic flow chart of an ETC split payment method according to an embodiment of the present invention;

fig. 4 is a schematic flow chart of the split charging according to an embodiment of the present invention;

fig. 5 is a schematic structural diagram of an ETC split-payment system according to an embodiment of the present invention;

fig. 6 is a schematic diagram of a hardware structure of the ETC split-payment device according to an embodiment of the present invention;

fig. 7 is a schematic structural diagram of a road network clearing center server according to an embodiment of the present invention;

fig. 8 is a schematic flowchart of user registration according to an embodiment of the present invention;

fig. 9 is a schematic flow chart of the establishment of the accounting activity according to an embodiment of the present invention;

fig. 10 is a flowchart illustrating a sub-accounting fee deduction process according to an embodiment of the present invention;

fig. 11 is a schematic structural diagram of an electronic device according to an embodiment of the present invention.

Detailed Description

The following detailed description of the embodiments of the present invention will be provided with reference to the drawings and examples, so that how to apply the technical means to solve the technical problems and achieve the technical effects can be fully understood and implemented. It should be noted that, unless otherwise specified, the embodiments and features of the embodiments of the present invention may be combined with each other, and the technical solutions formed are within the scope of the present invention.

Additionally, the steps illustrated in the flow charts of the figures may be performed in a computer system such as a set of computer-executable instructions and, although a logical order is illustrated in the flow charts, in some cases, the steps illustrated or described may be performed in an order different than here.

Referring to fig. 1, an ETC split-payment apparatus provided by the present invention is disposed at a predetermined position of a vehicle, and includes a registration module 11, an identification module 13, and a processing module 12; the registration module 11 is configured to initiate a registration request to a predetermined server according to current vehicle information and user information; receiving the fed back vehicle identification information, and writing the vehicle identification information into the identity identification module; the identity module 13 is configured to store the vehicle identification information for an external identification device to identify and obtain the vehicle identification information; the processing module 12 is configured to obtain accounting activity information and vehicle identification information provided by other ETC accounting payment devices, generate an activity protocol according to the accounting activity information and the activity participant information, upload the activity protocol to a predetermined server to establish an accounting activity, and perform an accounting deduction operation on an activity participant through the accounting activity established by the predetermined server; or receiving the account splitting activity invitation provided by other ETC account splitting payment devices, generating activity participant information according to the vehicle identification information of the current vehicle and the associated user information, and providing the activity participant information to the corresponding ETC account splitting payment device.

In the above embodiment, the ETC split-charging payment apparatus further includes a near field communication module, an inquiry module, and a data input module; the near field communication module is connected with the identity identification module and used for providing the vehicle identification information to external identification equipment through a near field communication protocol; the data input module is used for receiving the account separating activity information, the user information and the current vehicle information input by the user; the inquiry module is in communication connection with the preset server and used for providing inquiry and displaying the traffic information and the deduction information of the current vehicle.

Specifically, referring to fig. 2 again, in actual operation, the registration module 11: the NFC chip is responsible for guiding a client to register a new user, prompting the client to enter client information and bank account information, reading the unique identification code of the NFC chip, encrypting and signing by using a private key certificate, and sending a registration request to a predetermined server. And after receiving the returned registration result, verifying and signing by using a public key certificate provided by the predetermined server, and updating the encrypted vehicle information of the predetermined server to an NFC chip, namely the identity identification module.

The processing module 12: and (4) being responsible for processing the branch account related functions: 1) when the activity applicant establishes the branch account activity, the module guides the applicant to operate and make an activity rule. Activity rules include, but are not limited to, the number of participants in the activity, the number plate (optional) of the participants, the rules of the split (e.g., flat fee, proportional fee, segmented fee, etc.) 2) support the applicant to initiate an activity invitation to the active participants; 3) and supporting the activity applicant to approve the activity application of the participant. 4) And after the activity participants and the activity rules are determined, uploading the activity protocol to a predetermined server.

The inquiry module: the vehicle ETC passage and detail inquiry function is completed, and the vehicle passage authentication is completed by 1) interaction with roadside NFC recognition equipment. 2) And inquiring and displaying the vehicle passing information and the deduction information.

Referring to fig. 3, the present invention further provides an ETC split payment method, including:

s301, initiating a registration request to a predetermined server according to the current vehicle information and the user information;

s302, receiving and storing vehicle identification information fed back by a predetermined server;

s303, acquiring the branch accounting activity information and vehicle identification information provided by other ETC branch accounting payment devices, and generating an activity protocol according to the branch accounting activity information and the activity participant information;

s304, the activity protocol is uploaded to a preset server to establish a branch account activity, and the branch account fee deduction operation is carried out on the activity participants through the branch account activity established by the preset server.

The account-dividing activity information comprises the number of participants of the activity, the license plate number of the participants and the account-dividing rule.

In the above embodiment, the method may further include: and receiving the account splitting activity invitation provided by other ETC account splitting payment devices, generating activity participant information according to the vehicle identification information of the current vehicle and the associated user information, and providing the activity participant information to the corresponding ETC account splitting payment device. That is, in actual work, after the activity applicant formulates the accounting activity rule, the participants can be invited to join in by means of invitation and the like, and the qualification of the participants is examined and approved, and after the examination and approval are passed, the corresponding accounting activity can be generated according to the participant information and the activity rule.

Referring to fig. 4, in an embodiment of the present invention, the operation of performing a split charging operation on an activity participant through a split activity established by a predetermined server includes:

s401, reading vehicle identification information on a passing vehicle, acquiring a first station position, and generating first position information according to the vehicle identification information and the first station position;

s402, when the vehicle identification information on the passing vehicle is read again, acquiring a second station position, and generating second position information according to the vehicle identification information and the second station position;

s403, matching the first position information and the second position information with the same vehicle identification information, and calculating to obtain vehicle toll according to the first position information and the second position information;

s404, generating a fee deduction protocol according to the vehicle passing fee and the branch account activity information in the branch account activity, and carrying out branch account fee deduction operation on the corresponding account according to the fee deduction protocol.

In the above embodiment, generating a deduction protocol according to the vehicle toll and the split-account activity information in the split-account activity includes: reading vehicle identification information on a passing vehicle, and comparing the vehicle identification information with the activity participant information in the accounting activity; and when any one of the activity participant information in the billing activity contains the vehicle identification information, generating a fee deduction protocol according to the vehicle toll and the billing activity information in the billing activity.

Referring to fig. 5, the present invention also provides an ETC split-payment system, which includes a roadside apparatus, a clearing apparatus, and a plurality of ETC split-payment apparatuses 1; the ETC credit-sharing payment device 1 is arranged at a preset position of a vehicle, and is used for initiating a registration request to the clearing device according to current vehicle information and user information, and receiving and storing vehicle identification information fed back by the clearing device; acquiring branch accounting activity information and vehicle identification information provided by other ETC branch accounting payment devices 1, generating an activity protocol according to the branch accounting activity information and the activity participant information, and uploading the activity protocol to the clearing device to establish branch accounting activity; or, receiving the account-sharing activity invitation provided by other ETC account-sharing payment devices 1, generating activity participant information according to the vehicle identification information of the current vehicle and the associated user information, and providing the activity participant information to the corresponding ETC account-sharing payment device 1; the roadside device is arranged at a preset station position on a road and used for reading vehicle identification information stored in the ETC credit payment device 1 on a vehicle and uploading the vehicle identification information and the station position to the clearing device; the clearing device is respectively in communication connection with the ETC split-charging payment device 1 and the roadside device, and is used for generating vehicle identification information according to the received vehicle information and user information and feeding the vehicle identification information back to the corresponding ETC split-charging payment device 1; and comparing the received vehicle identification information with the activity participant information in the split-account activity, and performing split-account deduction processing on the user information related to the vehicle identification information according to a comparison result, the site position and the split-account activity information in the split-account activity.

In practical operation, the system may further include a communication network, the communication network 6 refers to a telephone network deployed by a communication carrier, a wireless GPRS, 3G or 4G communication network, an Internet interconnection network, and the ETC ledger payment device 1 and the clearing device perform data communication through the communication network. The ETC payment device is an on-board unit installed on a vehicle windshield and has the following functions: 1) and establishing connection with a clearing device through the communication module to complete new user registration and vehicle binding. And after the clearing device returns the registration success, updating the encrypted vehicle information returned by the clearing device to the NFC chip. And the roadside device acquires the vehicle information through the NFC chip and decrypts the vehicle information to complete the passing authentication of the vehicle entering and exiting. 2) An applicant of the account separating activity can establish the account separating activity through the ETC account separating payment device, and an activity rule is formulated. The activity rules include, but are not limited to, the number of participants in the activity, the number plate (optional) of the participants, the rules of the split billing (e.g., flat rate, proportional rate, segmented rate, etc.). 3) The activity applicant initiates an invitation or an activity application of an approval participant to the activity participant through the ETC split-payment device. 4) Participants of the accounting activities initiate activity participation requests to activity applicants through the ETC accounting payment device, and can also receive activity invitations of the activity initiators. 5) After the activity participants and the activity rules are determined, the activity applicants upload the activity protocols to the road network clearing center server 4 through the ETC split payment device. 6) The ETC credit-sharing payment device can inquire fee deduction and passing records of vehicles.

In the above embodiment, the roadside apparatus includes a roadside unit and a roadside unit server; the roadside unit is used for reading vehicle identification information stored in the ETC separate payment device on a vehicle through a near field communication protocol and uploading the vehicle identification information to the roadside unit server; the roadside unit server is in communication connection with the roadside unit and is used for triggering and acquiring the site position of the roadside unit according to the received vehicle identification information; and uploading the vehicle identification information and the station position to the clearing device. In actual operation, the roadside unit 2: the system is deployed on an ETC lane of a toll station, and is in special short-range communication with the ETC split-account payment device 1, reads vehicle information (including license plate numbers, vehicle identification numbers and engine numbers) stored by an NFC chip in the ETC split-account payment device 1, and uploads the vehicle information to a roadside unit server 3. The roadside unit server 3 is a server deployed at an entrance and exit site of an expressway, and is responsible for establishing communication connection with the roadside units 2, acquiring vehicle information read by the roadside units 2, and transmitting the vehicle information and site position information to the road network clearing center server 4.

In an embodiment of the invention, the clearing device may include a road network clearing center server and a bank clearing center server; the road network clearing center server is used for providing the received vehicle information and user information to the bank clearing center server for verification, generating vehicle identification information according to the vehicle information and the user information after the verification is passed, and feeding the vehicle identification information back to the corresponding ETC split payment device; receiving vehicle identification information and a station position provided by the roadside device, and calculating to obtain vehicle toll according to the station position; generating a fee deduction protocol according to the vehicle passing fee and the branch account activity information in the branch account activity, and providing the fee deduction protocol to the bank clearing center server; the bank clearing center server is used for receiving the user information provided by the road network clearing center server, verifying the user information with prestored user information, and feeding back the user information to the road network clearing center server after the user information passes the verification; and carrying out sub-accounting fee deduction processing on the corresponding account according to the fee deduction protocol.

Specifically, the road network clearing center server 4 may be a large computer, or may be a medium or small computer, and has the following functions: 1) establishing communication with the ETC split-account payment device 1, and receiving a user registration application initiated by the ETC split-account payment device 1; the customer information including name, certificate number, mobile phone number and bank account information is verified by establishing connection with a bank clearing center server, and an automatic fee deduction protocol is established to complete the registration of the customer. 2) The ETC split-account payment device 1 is supported to apply for split-account activities, automatically approve the activities and generate a split-account activity fee deduction protocol. 3) And acquiring the vehicle information and the station position information sent by the roadside unit server, recording the information of the vehicle passing in and out of the high-speed station, and calculating the high-speed passing cost of the vehicle according to the information. 4) And carrying out deduction processing according to a deduction agreement signed by the client. If the customer does not participate in the branch accounting activity, the bank clearing center server 5 is deducted according to a deduction agreement signed during customer registration, and if the customer participates in the branch accounting activity, the bank clearing center server 5 is deducted according to the deduction agreement associated with the branch accounting activity. The bank clearing center server 5 can be a large computer, or a medium or small computer, and has the following functions: 1) the client fee deduction and signing request initiated by the road network clearing center server 4 is accepted, and the request is checked to ensure the safety and reliability of the transaction; 2) checking customer information in the customer signing request, checking whether the name, the certificate number and the mobile phone number are matched with a bank account of the customer, generating a bank side deduction protocol if the matching is passed and returning to the protocol number 3) accepting a customer deduction request initiated by the road network clearing center server 4, checking the deduction protocol number, and finishing the deduction of the customer if the checking is passed.

Referring to fig. 6, in an embodiment of the present invention, the ETC split payment apparatus includes a near field communication read/write unit 61, an intelligent chip 62, an input unit 63, a display unit 64, a storage unit 66, and a near field communication chip 69; the near field communication read-write unit 61 interacts with the near field communication chip and is used for reading and writing data into the near field communication chip according to a near field communication protocol; the intelligent chip 62 is used for coordinating and controlling the operation among the components in the ETC split payment device; the input unit 63 is used for receiving data input by a user; the display unit 64 is used for providing a user data viewing window; the storage unit 66 is used for storing the traffic information and the deduction information of the current vehicle; the near field communication chip 69 is used to store the vehicle identification information. In actual work, the device also comprises a power supply unit 65, a communication unit 67 and a shell unit 68; the specific functions of each component unit are as follows:

near field communication read-write unit 61: interacting with the near field communication chip 69, enabling reading and writing of data. And when a new user registers, reading the unique identification code of the NFC chip. And after the registration is successful, writing the encrypted vehicle information generated by the road network clearing center server.

The smart chip 62: the ETC payment device is a core component of the ETC payment device. The hardware components are connected by a smart chip 62. The smart chip 62 coordinates the operations between the hardware components of the ETC split payment device.

The input unit 63: is the interactive channel of the user and the ETC separate payment device. The user can enter information such as customer name, certificate, mobile phone number, bank card account, license plate number and the like through the input key 03.

The display unit 64: is the channel for the user to obtain the prompt message. The display unit 64 prompts the user to perform various operations and displays data entered by the user.

The power supply unit 65: the intelligent chip 62, the input unit 63, the display unit 64 and other units are supplied with power through circuits, and the charging and solar charging modes of an external power supply are received.

The storage unit 66: the system is used for storing ETC traffic information, public and private key certificates, bank card fees and other information.

The communication unit 67: and establishing network connection with a server of the road network clearing center by using a mobile communication mode such as a GSM (global system for mobile communications), a CDMA (code division multiple access), a GPRS (general packet radio service) or a 3G (third generation) network or wireless WIFI (wireless fidelity).

The housing unit 68: the key is used for protecting internal physical equipment and has the functions of preventing disassembly and disassembling the key to be self-destructed and safe.

Near field communication chip 69: the NFC chip is used for storing vehicle information and can be an NFC chip; the roadside unit reads the data stored by the NFC chip to acquire the vehicle information.

Referring to fig. 7, the road network clearing center server may include a user registration processing module 71, a credit payment processing module 72, and a fund clearing module 73; wherein,

the user registration processing module 71: the system is in charge of establishing communication with the ETC split-account payment device, receiving a user registration application initiated by the ETC split-account payment device, and checking and decrypting by adopting a public key of the ETC split-account payment device; and after the user registration information is acquired, verifying whether the vehicle information is uploaded correctly, and verifying the customer information including the name, the certificate number, the mobile phone number and the bank account information by establishing connection with a bank clearing center server. And after the verification of the bank clearing center server is passed, returning the fee deduction agreement number. And the road network clearing center establishes an ETC fee deduction protocol to complete the registration of the client. In order to avoid the information leakage of the customer, the ETC fee deduction protocol only stores the fee deduction protocol number of the bank clearing center, and does not store the actual fee deduction bank card number or account number of the customer.

The ledger payment processing module 72: and the application and fee deduction protocol generation responsible for the accounting activity is generated. The ETC split-account payment device is approved for split-account activities, and the approval contents comprise activity time, access stations, whether the vehicles are in a passable range, whether the participating vehicles are registered, and whether the vehicles are in a blacklist (money deduction failure reaches a threshold value and is listed in the blacklist). And generating a separate account activity fee deduction protocol according to the activity rule. The protocol content comprises the following steps: activity date, inbound points, outbound sites, fee patterns, fee proportions/flat charges, paid vehicle information (own vehicle and vehicle participating in the payment).

Funds clearing module 73: and clearing funds, namely 1) acquiring vehicle information and station position information sent by the roadside unit server, recording the information of the vehicles passing in and out of the high-speed station, and calculating the high-speed passing cost of the vehicles according to the information. 2) And initiating a deduction request process. If the client does not participate in the accounting activity, the agreement number of the vehicle is used for connecting the bank clearing center to deduct money. And if the client participates in the accounting activity, matching according to a fee deduction protocol generated when the client registers. The activity date, the inbound point and the outbound point conform to the rules of the branch account agreement, and the bank clearing center is deducted according to the fee mode, the fee proportion/fixed fee, and the information of the paid vehicles (the vehicle and the vehicles participating in the payment) in the agreement.

In order to clearly understand the operation of the ETC split-charging payment system provided by the present invention, a detailed description will be given below of a specific implementation procedure of registration, establishment, and split-charging processing links of the ETC split-charging payment system in three parts, and it should be understood by those skilled in the art that this example is only one implementation manner of the present application, and is not limited thereto.

Referring to fig. 8, the user registration function flow is specifically as follows:

s801, the client selects the registration of a new user or modifies the registration information function through the ETC split payment device.

S802 prompts and guides the customer to enter vehicle information (including license plate number, vehicle identification number and engine number), customer information (including name, certificate number and mobile phone number) and bank account information (bank card number or bank account).

And S803, the ETC credit-sharing payment device reads the unique identification code of the NFC chip, encrypts and signs the unique identification code and the information input by the customer in the step S802 by using a private key certificate, and then sends a registration request to the road network clearing center.

And S804, the road network clearing center adopts a public key of the ETC credit-sharing payment device to check and decrypt, after the user registration information is obtained, whether the vehicle information is uploaded correctly is verified, and a short message verification code is sent according to the mobile phone number of the customer.

S805 the customer receives the mobile phone short message, and the short message verification code is input through the ETC payment device.

S806 the bank clearing center receives the road network clearing center and sends the request to the bank clearing center to check the customer information and bank account information, if the check is not passed, the error is reported and returned, if the check is passed, the step S807 is proceeded.

S807 the bank clearing center completes the subscription of the fee deduction agreement, and the road network center completes the subscription of the ETC agreement and associates the fee deduction agreement number of the bank clearing center.

And S808, displaying a successful registration result by the ETC split-payment device.

Referring to fig. 9, the flow of the establishment of the accounting activity is as follows:

and S901, an applicant of the account separating activity can establish the account separating activity through an ETC account separating payment device and formulate an activity rule. The activity rules include, but are not limited to, the number of participants in the activity, the number plate (optional) of the participants, the rules of the split billing (e.g., flat rate, proportional rate, segmented rate, etc.).

S902 the activity applicant can choose to invite the activity or actively apply for joining the activity by the participant. If the activity participant initiates the activity invitation, go to step S903, otherwise go to step S905.

S903 the activity applicant inputs the license plate number of the activity participant through the ETC credit-sharing payment device.

S904, the activity participant receives the activity application through the ETC credit-sharing payment device, inquires the activity rule and confirms whether to participate in the activity.

S905 participants of the account-sharing activity input an activity number or a license plate number of an activity applicant through the ETC account-sharing payment device, and initiate an activity participation request to the activity applicant.

And S906, the activity applicant approves the activity applicant through the ETC split payment device.

And S907 the activity applicant initiates an activity establishment application to the road network clearing center through the ETC split payment device.

S908, the road network clearing center receives the activity application, examines and approves the accounting activity, wherein the examination and approval contents comprise the activity time, the access station, whether the accessible range is available, whether the participating vehicle is registered, whether the vehicle is in a blacklist (the deduction failure reaches a threshold value, and the vehicle is listed in the blacklist). And if the approval fails, informing the active applicant of the reason, and requiring to restart after modification. The approval is passed and the process proceeds to step S909.

S909 the road network clearing center generates the branch account activity deduction agreement according to the activity rule. The protocol content comprises the following steps: activity date, inbound points, outbound sites, fee patterns, fee proportions/flat charges, paid vehicle information (own vehicle and vehicle participating in the payment).

And S910, the road network clearing center sends an activity establishment success notice to ETC separate payment devices of the activity applicant and the participants.

Referring to fig. 10, based on the established accounting activities, a specific flow of performing accounting processing subsequently is as follows:

when the vehicle passes through the ETC, the vehicle information and the station position information sent by the roadside unit server record the vehicle access high-speed station information.

After the vehicle leaves the station in step S1002, the fee for the vehicle to pass at high speed is calculated based on the information acquired in step S1001.

S1003 road network clearing center judges whether the vehicle participates in the activity of the branch account, if yes, the operation enters S1004, otherwise, the step S1006 is carried out.

S1004, the participant of the accounting activity inputs an activity number or a license plate number of the activity applicant through the ETC accounting payment device and sends an activity participation request to the activity applicant.

S1005 is matched according to the deduction protocol generated during the client registration. Date of activity, inbound points, outbound points are in compliance with the rules of the split-billing agreement, fee pattern in the agreement, fee rate/flat fee, and paid vehicle information (own vehicle and vehicle participating in the payment).

And S1006, the road network clearing center acquires the bank deduction protocol number in the ETC protocol.

S1007 road network clearing center sends deduction request to bank clearing center, which finishes deduction.

And S1008, the road network clearing center sends a transaction notice to the ETC branch payment device according to the deduction result.

In summary, the ETC payment device, the ETC payment method and the ETC payment system provided by the invention simplify the registration process of the ETC vehicle-mounted equipment and meet the individual payment requirements of vehicle team traveling and the like. The ETC split-account payment device integrates an NFC read-write module, a communication module, an input module and the like, can independently complete the registration flow of the ETC vehicle-mounted equipment, and simplifies the application and registration flow of the existing ETC vehicle-mounted equipment. The ETC split-account payment device is operated by the activity applicant and the participants to establish the ETC split-account activity, so that the operability and the convenience of the split-account activity are improved. The automatic calculation of the fee of each vehicle participating in the settlement and accounting activities is completed by establishing an accounting activity mechanism and a bank fee deduction protocol, and the customer can conveniently inquire fee deduction detail records through an ETC accounting payment device and know the passing fee deduction condition.

As shown in fig. 11, the electronic device 600 may further include: communication module 110, input unit 120, audio processing unit 130, display 160, power supply 170. It is noted that the electronic device 600 does not necessarily include all of the components shown in FIG. 11; furthermore, the electronic device 600 may also comprise components not shown in fig. 11, which may be referred to in the prior art.

As shown in fig. 11, the central processor 100, sometimes referred to as a controller or operational control, may include a microprocessor or other processor device and/or logic device, the central processor 100 receiving input and controlling the operation of the various components of the electronic device 600.

The memory 140 may be, for example, one or more of a buffer, a flash memory, a hard drive, a removable media, a volatile memory, a non-volatile memory, or other suitable device. The information relating to the failure may be stored, and a program for executing the information may be stored. And the central processing unit 100 may execute the program stored in the memory 140 to realize information storage or processing, etc.

The input unit 120 provides input to the cpu 100. The input unit 120 is, for example, a key or a touch input device. The power supply 170 is used to provide power to the electronic device 600. The display 160 is used to display an object to be displayed, such as an image or a character. The display may be, for example, an LCD display, but is not limited thereto.

The memory 140 may be a solid state memory such as Read Only Memory (ROM), Random Access Memory (RAM), a SIM card, or the like. There may also be a memory that holds information even when power is off, can be selectively erased, and is provided with more data, an example of which is sometimes called an EPROM or the like. The memory 140 may also be some other type of device. Memory 140 includes buffer memory 141 (sometimes referred to as a buffer). The memory 140 may include an application/function storage section 142, and the application/function storage section 142 is used to store application programs and function programs or a flow for executing the operation of the electronic device 600 by the central processing unit 100.

The memory 140 may also include a data store 143, the data store 143 for storing data, such as contacts, digital data, pictures, sounds, and/or any other data used by the electronic device. The driver storage portion 144 of the memory 140 may include various drivers of the electronic device for communication functions and/or for performing other functions of the electronic device (e.g., messaging application, address book application, etc.).

The communication module 110 is a transmitter/receiver 110 that transmits and receives signals via an antenna 111. The communication module (transmitter/receiver) 110 is coupled to the central processor 100 to provide an input signal and receive an output signal, which may be the same as in the case of a conventional mobile communication terminal.

Based on different communication technologies, a plurality of communication modules 110, such as a cellular network module, a bluetooth module, and/or a wireless local area network module, may be provided in the same electronic device. The communication module (transmitter/receiver) 110 is also coupled to a speaker 131 and a microphone 132 via an audio processor 130 to provide audio output via the speaker 131 and receive audio input from the microphone 132 to implement general telecommunications functions. Audio processor 130 may include any suitable buffers, decoders, amplifiers and so forth. In addition, an audio processor 130 is also coupled to the central processor 100, so that recording on the local can be enabled through a microphone 132, and so that sound stored on the local can be played through a speaker 131.

As will be appreciated by one skilled in the art, embodiments of the present invention may be provided as a method, system, or computer program product. Accordingly, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present invention may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.

The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.

These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.

These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.

The above-mentioned embodiments are intended to illustrate the objects, technical solutions and advantages of the present invention in further detail, and it should be understood that the above-mentioned embodiments are only exemplary embodiments of the present invention, and are not intended to limit the scope of the present invention, and any modifications, equivalent substitutions, improvements and the like made within the spirit and principle of the present invention should be included in the scope of the present invention.

Claims

1. The ETC split-account payment device is characterized by being arranged at a preset position of a vehicle and comprising a registration module, an identity identification module and a processing module;

the registration module is used for initiating a registration request to a predetermined server according to the current vehicle information and the user information; receiving the fed back vehicle identification information, and writing the vehicle identification information into the identity identification module;

the identity identification module is used for storing the vehicle identification information for an external identification device to identify and acquire the vehicle identification information;

the processing module is used for acquiring the account-separating activity information and vehicle identification information provided by other ETC account-separating payment devices, generating an activity protocol according to the account-separating activity information and the activity participant information, uploading the activity protocol to a preset server to establish an account-separating activity, and performing account-separating and fee-deducting operation on the activity participant through the account-separating activity established by the preset server; or receiving the account splitting activity invitation provided by other ETC account splitting payment devices, generating activity participant information according to the vehicle identification information of the current vehicle and the associated user information, and providing the activity participant information to the corresponding ETC account splitting payment device.

2. The ETC split-credit payment device according to claim 1, further comprising a near field communication module, an inquiry module, and a data input module;

the near field communication module is connected with the identity identification module and used for providing the vehicle identification information to external identification equipment through a near field communication protocol;

the data input module is used for receiving the account separating activity information, the user information and the current vehicle information input by the user;

the inquiry module is in communication connection with the preset server and used for providing inquiry and displaying the traffic information and the deduction information of the current vehicle.

3. An ETC split payment method, the method comprising:

initiating a registration request to a predetermined server according to the current vehicle information and the user information;

receiving and storing vehicle identification information fed back by a preset server;

acquiring branch account activity information and vehicle identification information provided by other ETC branch account payment devices, and generating an activity protocol according to the branch account activity information and the activity participant information;

and uploading the activity protocol to a preset server to establish a billing activity, and performing billing and fee deduction operation on the activity participants through the billing activity established by the preset server.

4. The ETC split payment method according to claim 3, further comprising: and receiving the account splitting activity invitation provided by other ETC account splitting payment devices, generating activity participant information according to the vehicle identification information of the current vehicle and the associated user information, and providing the activity participant information to the corresponding ETC account splitting payment device.

5. The ETC split payment method according to claim 3, wherein the split charging operation of the activity participants through the split activity established by the reservation server includes:

reading vehicle identification information on a passing vehicle, acquiring a first station position, and generating first position information according to the vehicle identification information and the first station position;

when the vehicle identification information on the passing vehicle is read again, acquiring a second station position, and generating second position information according to the vehicle identification information and the second station position;

matching the first position information and the second position information with the same vehicle identification information, and calculating to obtain vehicle toll according to the first position information and the second position information;

and generating a fee deduction protocol according to the vehicle passing fee and the branch account activity information in the branch account activity, and performing branch account fee deduction operation on a corresponding account according to the fee deduction protocol.

6. The ETC split payment method according to claim 4, wherein generating a deduction protocol based on the vehicle toll and split event information in the split events comprises:

reading vehicle identification information on a passing vehicle, and comparing the vehicle identification information with the activity participant information in the accounting activity;

and when any one of the activity participant information in the billing activity contains the vehicle identification information, generating a fee deduction protocol according to the vehicle toll and the billing activity information in the billing activity.

7. The ETC split payment method according to any one of claims 3 to 6, wherein the split event information includes the number of participants in the event, the license plate number of the participants, and the rules of the split event.

8. An ETC credit payment system is characterized by comprising a roadside device, a clearing device and a plurality of ETC credit payment devices;

the ETC credit-sharing payment device is arranged at a preset position of a vehicle and used for initiating a registration request to the clearing device according to current vehicle information and user information, and receiving and storing vehicle identification information fed back by the clearing device; acquiring branch accounting activity information and vehicle identification information provided by other ETC branch accounting payment devices, generating an activity protocol according to the branch accounting activity information and the activity participant information, and uploading the activity protocol to the clearing device to establish branch accounting activity; or receiving the credit-sharing activity invitation provided by other ETC credit-sharing payment devices, generating activity participant information according to the vehicle identification information of the current vehicle and the associated user information, and providing the activity participant information to the corresponding ETC credit-sharing payment device;

the roadside device is arranged at a preset station position on a road and used for reading vehicle identification information stored in the ETC credit payment device on a vehicle and uploading the vehicle identification information and the station position to the clearing device;

the clearing device is in communication connection with the ETC split-charging payment device and the roadside device respectively and is used for generating vehicle identification information according to the received vehicle information and user information and feeding the vehicle identification information back to the corresponding ETC split-charging payment device; and comparing the received vehicle identification information with the activity participant information in the split-account activity, and performing split-account deduction processing on the user information related to the vehicle identification information according to a comparison result, the site position and the split-account activity information in the split-account activity.

9. The ETC split payment system according to claim 8, wherein the wayside device includes a wayside unit and a wayside unit server;

the roadside unit is used for reading vehicle identification information stored in the ETC separate payment device on a vehicle through a near field communication protocol and uploading the vehicle identification information to the roadside unit server;

the roadside unit server is in communication connection with the roadside unit and is used for triggering and acquiring the site position of the roadside unit according to the received vehicle identification information; and uploading the vehicle identification information and the station position to the clearing device.

10. The ETC split payment system according to claim 8, wherein the clearing means includes a road network clearing center server and a bank clearing center server;

the road network clearing center server is used for providing the received vehicle information and user information to the bank clearing center server for verification, generating vehicle identification information according to the vehicle information and the user information after the verification is passed, and feeding the vehicle identification information back to the corresponding ETC split payment device; receiving vehicle identification information and a station position provided by the roadside device, and calculating to obtain vehicle toll according to the station position; generating a fee deduction protocol according to the vehicle passing fee and the branch account activity information in the branch account activity, and providing the fee deduction protocol to the bank clearing center server;

the bank clearing center server is used for receiving the user information provided by the road network clearing center server, verifying the user information with prestored user information, and feeding back the user information to the road network clearing center server after the user information passes the verification; and carrying out sub-accounting fee deduction processing on the corresponding account according to the fee deduction protocol.

11. The ETC split-charging payment system according to claim 8, wherein the ETC split-charging payment device includes a near field communication read-write unit, an intelligent chip, an input unit, a display unit, a storage unit, and a near field communication chip;

the near field communication read-write unit interacts with the near field communication chip and is used for reading and writing data into the near field communication chip according to a near field communication protocol;

the intelligent chip is used for coordinating and controlling the operation among all components in the ETC split payment device;

the input unit is used for receiving data input by a user;

the display unit is used for providing a user data viewing window;

the storage unit is used for storing the passing information and the deduction information of the current vehicle;

the near field communication chip is used for storing the vehicle identification information.

12. An electronic device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor implements the method of any of claims 3 to 6 when executing the computer program.

13. A computer-readable storage medium, characterized in that the computer-readable storage medium stores a computer program for executing the method of any of claims 3 to 6.