CN113538717B

CN113538717B - Transaction processing method and device applied to vehicle

Info

Publication number: CN113538717B
Application number: CN202110750742.6A
Authority: CN
Inventors: 刘涛
Original assignee: Alipay Hangzhou Information Technology Co Ltd
Current assignee: Alipay Hangzhou Information Technology Co Ltd
Priority date: 2021-07-01
Filing date: 2021-07-01
Publication date: 2023-10-24
Anticipated expiration: 2041-07-01
Also published as: CN117373142A; CN113538717A

Abstract

The embodiment of the specification provides a transaction processing method and device applied to a vehicle, wherein the transaction processing method applied to the vehicle comprises the following steps: acquiring transaction information acquired by a vehicle terminal, wherein the transaction information comprises a target vehicle identifier and transaction amount; detecting, by the ETC receiving component, an ETC key of the at least one candidate vehicle; selecting a candidate vehicle with the same vehicle identification as the target vehicle identification from the vehicle identifications of at least one candidate vehicle obtained after the ETC key is subjected to key decryption; and initiating transaction processing with the target vehicle through a server based on the transaction information.

Description

Transaction processing method and device applied to vehicle

Technical Field

The present disclosure relates to the field of data processing technologies, and in particular, to a transaction processing method and device applied to a vehicle.

Background

The driving of vehicles has become an important travel mode in the life of users, the demands of users in the driving travel process are also diversified more and more, and convenient vehicle payment means provide convenience for the driving travel of the users, for example, toll booths equipped with ETC, parking lot execution facilities and payment operations of vehicles are completed, automatic deduction is completed, and convenience is provided for the users; but such payment functions are limited to scenarios and have certain limitations in application.

Disclosure of Invention

One or more embodiments of the present specification provide a transaction processing method applied to a vehicle, including: and acquiring transaction information acquired through the vehicle terminal. The transaction information includes a target vehicle identification and a transaction amount. The ETC key of the at least one candidate vehicle is detected by an ETC identification component. And selecting the candidate vehicle with the same vehicle identification as the target vehicle identification from the vehicle identifications of at least one candidate vehicle obtained after the ETC key is decrypted. And initiating transaction processing with the target vehicle through a server based on the transaction information.

One or more embodiments of the present specification provide another transaction processing method applied to a vehicle, including: and receiving and displaying the transaction prompt sent by the server. The transaction reminder includes a vehicle identification of the transaction initiating vehicle and a transaction amount. And detecting an ETC key of at least one vehicle to be detected through the ETC receiving component and performing key decryption processing. And judging whether the vehicle identifier of at least one vehicle to be detected obtained after the key decryption contains the vehicle identifier. If yes, submitting a transaction confirmation instruction to the server so as to conduct transaction processing through the server.

One or more embodiments of the present specification provide a transaction processing apparatus applied to a vehicle, including: and the transaction information acquisition module is configured to acquire transaction information acquired by the vehicle-to-machine terminal, wherein the transaction information comprises a target vehicle identifier and a transaction amount. A detection module configured to detect, by the ETC receiving component, an ETC key of the at least one candidate vehicle. And the decryption module is configured to select a candidate vehicle with the same vehicle identification as the target vehicle identification from vehicle identifications of at least one candidate vehicle obtained by performing key decryption on the ETC key. And a transaction module configured to initiate transaction processing with the target vehicle through a server based on the transaction information.

One or more embodiments of the present specification provide another transaction processing apparatus applied to a vehicle, including: and the transaction reminding receiving module is configured to receive and display the transaction reminding sent by the server, wherein the transaction reminding comprises a vehicle identification of a transaction initiating vehicle and a transaction amount. And the detection decryption module is configured to detect the ETC key of the at least one vehicle to be detected through the ETC receiving component and decrypt the key. The judging module is configured to judge whether the vehicle identifier of the at least one vehicle to be detected obtained after the key decryption contains the vehicle identifier. And if the operation result of the judging module is yes, operating a transaction module, wherein the transaction module is configured to submit a transaction confirmation instruction to the server so as to conduct transaction processing through the server.

One or more embodiments of the present specification provide a transaction processing apparatus applied to a vehicle, including: a processor; and a memory configured to store computer-executable instructions that, when executed, cause the processor to: and acquiring transaction information acquired through the vehicle terminal. The transaction information includes a target vehicle identification and a transaction amount. The ETC key of the at least one candidate vehicle is detected by an ETC identification component. And selecting the candidate vehicle with the same vehicle identification as the target vehicle identification from the vehicle identifications of at least one candidate vehicle obtained after the ETC key is decrypted. And initiating transaction processing with the target vehicle through a server based on the transaction information.

One or more embodiments of the present specification provide another transaction processing apparatus applied to a vehicle, including: and receiving and displaying the transaction prompt sent by the server. The transaction reminder includes a vehicle identification of the transaction initiating vehicle and a transaction amount. And detecting an ETC key of at least one vehicle to be detected through the ETC receiving component and performing key decryption processing. And judging whether the vehicle identifier of at least one vehicle to be detected obtained after the key decryption contains the vehicle identifier. If yes, submitting a transaction confirmation instruction to the server so as to conduct transaction processing through the server.

One or more embodiments of the present specification provide a storage medium storing computer-executable instructions that, when executed, implement the following: and acquiring transaction information acquired through the vehicle terminal. The transaction information includes a target vehicle identification and a transaction amount. The ETC key of the at least one candidate vehicle is detected by an ETC identification component. And selecting the candidate vehicle with the same vehicle identification as the target vehicle identification from the vehicle identifications of at least one candidate vehicle obtained after the ETC key is decrypted. And initiating transaction processing with the target vehicle through a server based on the transaction information.

One or more embodiments of the present specification provide another storage medium storing computer-executable instructions that, when executed, implement the following: and receiving and displaying the transaction prompt sent by the server. The transaction reminder includes a vehicle identification of the transaction initiating vehicle and a transaction amount. And detecting an ETC key of at least one vehicle to be detected through the ETC receiving component and performing key decryption processing. And judging whether the vehicle identifier of at least one vehicle to be detected obtained after the key decryption contains the vehicle identifier. If yes, submitting a transaction confirmation instruction to the server so as to conduct transaction processing through the server.

Drawings

For a clearer description of one or more embodiments of the present description or of the solutions of the prior art, the drawings that are needed in the description of the embodiments or of the prior art will be briefly described below, it being obvious that the drawings in the description that follow are only some of the embodiments described in the present description, from which other drawings can be obtained, without inventive faculty, for a person skilled in the art;

FIG. 1 is a process flow diagram of a transaction processing method for a vehicle according to one or more embodiments of the present disclosure;

FIG. 2 is a flow chart illustrating a method of transaction processing for a vehicle in a collection scenario according to one or more embodiments of the present disclosure;

FIG. 3 is a process flow diagram of a transaction processing method for a vehicle in an autopilot scenario provided by one or more embodiments of the present disclosure;

FIG. 4 is a process flow diagram of another transaction processing method for a vehicle in accordance with one or more embodiments of the present disclosure;

FIG. 5 is a process flow diagram of a transaction processing method applied to a vehicle in another collection scenario provided by one or more embodiments of the present disclosure;

FIG. 6 is a schematic diagram of a transaction processing device for use with a vehicle according to one or more embodiments of the present disclosure;

FIG. 7 is a schematic diagram of another transaction processing device for use with a vehicle according to one or more embodiments of the present disclosure;

FIG. 8 is a schematic diagram of a transaction processing device for use with a vehicle according to one or more embodiments of the present disclosure;

fig. 9 is a schematic structural view of another transaction processing device applied to a vehicle according to one or more embodiments of the present disclosure.

Detailed Description

In order to enable a person skilled in the art to better understand the technical solutions in one or more embodiments of the present specification, the technical solutions in one or more embodiments of the present specification will be clearly and completely described below with reference to the drawings in one or more embodiments of the present specification, and it is obvious that the described embodiments are only some embodiments of the present specification, not all embodiments. All other embodiments, which can be made by one or more embodiments of the present disclosure without inventive effort, are intended to be within the scope of the present disclosure.

The present specification provides an embodiment of a transaction processing method applied to a vehicle:

referring to fig. 1, a processing flow chart of a transaction processing method applied to a vehicle provided in this embodiment is shown, referring to fig. 2, a processing flow chart of a transaction processing method applied to a vehicle in a collection scene provided in this embodiment is shown, and referring to fig. 3, a processing flow chart of a transaction processing method applied to a vehicle in an unmanned scene provided in this embodiment is shown.

Referring to fig. 1, the transaction processing method applied to a vehicle provided in the present embodiment specifically includes steps S102 to S108.

Step S102, transaction information acquired through the vehicle terminal is acquired.

According to the transaction processing method applied to the vehicle, which is provided with the ETC receiving component, the transaction initiating vehicle acquires the target vehicle identification and the transaction amount through the vehicle-to-vehicle terminal, then the ETC secret key of the vehicle in the ETC radio frequency communication range is detected, and the identity verification is carried out on the target vehicle according to the vehicle identification of the vehicle in the ETC radio frequency communication range returned by the server and the target vehicle identification acquired through the vehicle-to-vehicle terminal; after the transaction initiating vehicle provided with the ETC receiving component confirms the identity of the target vehicle, the server is used for transaction processing, and the transaction processing method based on the transaction processing is used for enabling the vehicle transaction to be applicable to more application scenes, so that a convenient vehicle payment means is provided, and payment experience is improved.

In this embodiment, the vehicle terminal is configured in a transaction initiating vehicle; the transaction information includes the target vehicle identification and a transaction amount, the target vehicle identification including at least one of: license plate number, vehicle engine number, vehicle model number and vehicle owner information; the ETC receiving component is an ETC component configured by the vehicle and used for detecting ETC keys carried in signals sent by other vehicles; the ETC transmitting component refers to an ETC component of the vehicle configured to transmit an ETC key carried in a signal.

And the transaction initiating vehicle is provided with an ETC receiving component, and when the transaction initiating vehicle performs identity verification on the target vehicle, the ETC receiving component detects an ETC secret key carried in a signal sent by an ETC sending component configured by the target vehicle. In addition, the transaction initiating vehicle can be further provided with an ETC sending component, and when the target vehicle performs identity verification on the transaction initiating vehicle, a signal carrying an ETC key can be sent through the ETC sending component configured by the transaction initiating vehicle.

In the implementation, in the process of acquiring the transaction information acquired through the vehicle terminal, the transaction information is acquired through a touch screen of the vehicle terminal or input by voice, for example, in a vehicle team payment scene, after a lead vehicle in the vehicle team pays certain service or commodity fees for the whole vehicle team, the lead vehicle initiates collection to other vehicles of the vehicle team, and the vehicle identification and corresponding collection amount of the other vehicles of the vehicle team, which are input by a user through the touch screen or voice, are acquired by the vehicle terminal.

In addition, the transaction information can be automatically generated by the vehicle terminal or a processing system connected with the vehicle terminal, for example, in the unmanned driving scene, after the vehicle A provides goods or services for the vehicle B, the vehicle A initiates collection to the vehicle B, and the vehicle terminal of the vehicle A or the processing system connected with the vehicle terminal can automatically generate the transaction information for carrying out transaction with the vehicle B.

Step S104, detecting, by the ETC receiving component, an ETC key of the at least one candidate vehicle.

In this embodiment, the candidate vehicles include vehicles within the radio frequency communication range of the ETC receiving component of the transaction initiating vehicle, and the candidate vehicles may be one or more vehicles in an actual application scenario; the ETC key is encrypted information containing a vehicle identification.

In the implementation process, in the process of detecting the ETC key of at least one candidate vehicle through the ETC receiving component, optionally, the at least one candidate vehicle sends out a signal through each configured ETC sending component, wherein the signal carries each ETC key of the at least one candidate vehicle; accordingly, the transaction initiating vehicle provided with the ETC receiving component detects an ETC key carried in a signal sent by the at least one candidate vehicle through the ETC sending component respectively provided by the ETC receiving component.

The ETC receiving component configured by the transaction initiating vehicle detects the ETC secret key of the at least one candidate vehicle, so that the identity verification is performed on the target vehicle, the accuracy and the efficiency of the identity verification are improved, and the application range of the transaction processing scene realized on the basis of the identity verification is expanded.

After that, for the above-mentioned ETC key of the at least one candidate vehicle is detected, key decryption is required to obtain the vehicle identifier of the candidate vehicle through key decryption, and in an alternative implementation provided in this embodiment, the following manner is specifically adopted to perform key decryption: and decrypting the key of the ETC key of the at least one candidate vehicle through the ETC receiving component to obtain the vehicle identification of the at least one candidate vehicle.

In practical application, for security, the key decryption process of the ETC key is performed at one end of the server, and in an alternative implementation provided in this embodiment, the key decryption is specifically performed in the following manner:

transmitting the ETC key of the at least one candidate vehicle to the server, and decrypting the ETC key by the server to obtain the vehicle identification of the at least one candidate vehicle;

And receiving the vehicle identification of the at least one candidate vehicle issued by the server.

For example, the vehicle A uploads an ETC key of a vehicle in a detected radio frequency communication range to a server through a configured ETC receiving assembly, the server decrypts the key and returns a license plate number of the vehicle in the radio frequency communication range detected by the vehicle A obtained after the key decryption, and the vehicle A carries out identity verification on the vehicle B according to the detected license plate number and the vehicle B acquired through a vehicle machine terminal.

Step S106, selecting, as the target vehicle, a candidate vehicle having the same vehicle identifier as the target vehicle identifier, from among the vehicle identifiers of at least one candidate vehicle obtained by decrypting the ETC key.

In this embodiment, after the transaction initiating vehicle uploads the ETC key of the vehicle in the detected radio frequency communication range to the server, the server decrypts the ETC key of the vehicle in the detected radio frequency communication range to obtain the vehicle identifier of at least one candidate vehicle, and the vehicle in the radio frequency communication range with the same vehicle identifier as the target vehicle identifier is selected as the target vehicle according to the comparison between the target vehicle identifier collected by the transaction initiating vehicle and the vehicle identifier of the obtained at least one candidate vehicle. And selecting a candidate vehicle with the same vehicle identifier as the target vehicle identifier from the vehicle identifiers of at least one candidate vehicle obtained after the ETC key is decrypted as the target vehicle designated by the transaction initiating vehicle, and carrying out identity verification on the target vehicle, so that the accuracy of vehicle identity verification is improved, and the transaction safety is ensured.

Step S108, based on the transaction information, initiating transaction processing with the target vehicle through a server.

After the target vehicle is determined, a transaction request for the target vehicle is initiated to the server, wherein the transaction request specifically comprises a collection request and/or a payment request, and correspondingly, the transaction processing performed for the collection request and/or the payment request comprises collection processing and payment processing, and the collection processing and the payment processing are respectively described in detail below.

(1) Receipt processing

In the process of collection, firstly, a transaction initiating vehicle submits a collection request aiming at a target vehicle to a server;

after receiving a collection request of the transaction initiating vehicle, the server generates a transaction order according to the collection request and sends a transaction reminder to the target vehicle;

after receiving the transaction reminding sent by the server, the target vehicle displays the transaction reminding sent by the server, and detects and decrypts an ETC key of at least one vehicle to be detected through an ETC receiving component configured by the target vehicle; judging whether the identification information of at least one vehicle to be detected obtained after the key decryption contains the vehicle identification or not; if yes, submitting a transaction confirmation instruction to the server.

After receiving a transaction confirmation instruction submitted by a vehicle-mounted terminal of the target vehicle, the server transfers funds from a funds account bound by an ETC receiving component of the target vehicle according to the transaction amount, and transfers the transferred funds to the funds account bound by the ETC receiving component of the transaction initiating vehicle; sending a transaction result reminder to the target vehicle;

in this embodiment, the collection request includes the target vehicle identifier and the transaction amount; the transaction order is recorded with a vehicle identifier of a transaction initiating vehicle and the transaction amount; the transaction reminder includes a vehicle identification of the transaction initiating vehicle and the transaction amount.

Specifically, in the process of initiating a payment for a target vehicle, the transaction initiating vehicle adopts the following optional embodiments to process the transaction:

submitting a collection request for the target vehicle to the server, wherein the collection request comprises the target vehicle identifier and the transaction amount;

and receiving a transaction result prompt sent by the server.

On the basis, after the server receives the collection request of the transaction initiating vehicle, the server adopts the following optional embodiments to process the transaction:

Generating a transaction order according to the collection request and sending a transaction reminder to the target vehicle, wherein the transaction order records a vehicle identifier of a transaction initiating vehicle and the transaction amount;

after receiving a transaction confirmation instruction submitted by a vehicle machine terminal of the target vehicle, transferring funds from a funds account bound by an ETC receiving component of the target vehicle according to the transaction amount, and transferring the transferred funds to the funds account bound by the ETC receiving component of the transaction initiating vehicle;

and sending a transaction result prompt to the target vehicle.

Further, after the server sends the transaction reminder to the target vehicle, the target vehicle performs transaction processing according to the following optional embodiments:

displaying the transaction reminder sent by the server, wherein the transaction reminder comprises a vehicle identifier of the transaction initiating vehicle and the transaction amount;

detecting an ETC key of at least one vehicle to be detected through an ETC receiving component configured by the target vehicle and decrypting the key;

judging whether the identification information of at least one vehicle to be detected obtained after the key decryption contains the vehicle identification or not;

if yes, submitting a transaction confirmation instruction to the server so as to conduct transaction processing through the server.

For example, after the identity verification of the B car is carried out on the A car, a 100-element collection request is initiated to the B car and the collection request is sent to a server;

the server generates a transaction order after receiving the collection request and sends a transaction reminder of 100 yuan to the A vehicle for payment according to the transaction order;

the B car receives the transaction prompt and displays the transaction prompt, and after the identity of the A car is checked, a transaction confirmation instruction is sent to a server to confirm that 100 yuan is paid to the A car;

and the server receives a transaction confirmation instruction sent by the B vehicle, transfers 100 yuan from the payment treasury account bound by the B vehicle ETC receiving component to the payment treasury account bound by the A vehicle ETC receiving component, and sends a transaction result prompt to the A, B vehicle.

(2) Payment processing

In the payment process, firstly, submitting a payment request aiming at the target vehicle to a server by a transaction initiating vehicle;

judging whether the transaction amount is larger than a secret free limit threshold of a fund account bound by an ETC receiving component of the transaction initiating vehicle according to the transaction amount contained in the payment request, if so, acquiring a payment password submitted by a user by the vehicle terminal, submitting the payment password and a transaction confirmation instruction to the server, and if so, submitting the secret free payment instruction to the server;

And after receiving the payment password and the transaction confirmation instruction submitted by the transaction initiating vehicle or the secret payment-free instruction, the server transfers funds from the funds account bound by the ETC receiving component of the transaction initiating vehicle according to the transaction amount and transfers the transferred funds to the funds account bound by the ETC receiving component of the target vehicle.

In this embodiment, the payment request includes the target vehicle identification and the transaction amount;

in the actual transaction process, the transaction amount is small and the operation of inputting the payment password for multiple times is complicated, for example, the vehicle A can set a secret-free payment amount, the repeated operation of inputting the payment password for multiple times due to the small transaction amount is reduced on the basis of ensuring the transaction safety, and when the transaction amount is smaller than the secret-free payment amount, the vehicle A submits a secret-free payment instruction to the server; when the transaction amount is greater than the no-secret payment amount, the A car submits a payment password and a transaction confirmation instruction to the server. Specifically, in the process of initiating payment to the target vehicle, the transaction initiating vehicle adopts the following optional embodiments to perform transaction processing:

Submitting a payment request for the target vehicle to the server, the payment request including the target vehicle identification and the transaction amount;

judging whether the transaction amount is larger than a privacy-free limit threshold of a fund account bound by an ETC receiving component of the transaction initiating vehicle;

if the payment password is larger than the preset payment password, the vehicle-mounted terminal acquires the payment password submitted by the user and submits the payment password and a transaction confirmation instruction to the server;

if the payment is smaller than the preset value, submitting a secret payment-free instruction to the server so as to conduct transaction processing through the server;

and receiving a transaction result prompt sent by the server.

On the basis, the server processes the transaction aiming at the payment password and the transaction confirmation instruction submitted by the transaction initiating vehicle or the secret payment-free instruction by adopting the following optional embodiments:

transferring funds from the funds account bound by the ETC receiving component of the transaction initiating vehicle according to the transaction amount, and transferring the transferred funds to the funds account bound by the ETC receiving component of the target vehicle;

and sending a transaction result reminder to the transaction initiating vehicle and the target vehicle.

For example, after the identity verification of the B car is carried out on the A car, the A car initiates a 100-element payment collection request to the B car and sends the collection request to a server; the encryption free limit of the vehicle A is 200 yuan, and an encryption free payment instruction is submitted to a server;

after receiving the secret payment-free instruction, the server transfers 100 yuan from the payment treasury account bound by the ETC receiving component of the vehicle A to the payment treasury account bound by the ETC receiving component of the vehicle B, and sends a transaction result prompt to the vehicle A, B.

The following describes an example of the application of the transaction processing method applied to a vehicle in a collection scene, which is provided in this embodiment, referring to fig. 2, and specifically includes steps S202 to S212.

Step S202, acquiring collection information submitted by a user through a vehicle terminal.

Specifically, the first vehicle configuration vehicle machine terminal is used for collecting collection information for a second vehicle submitted by a user, wherein the collection information comprises a target vehicle identifier and transaction amount;

in step S204, an ETC key of at least one candidate vehicle is detected by the ETC receiving component.

The ETC receiving component is configured on the first vehicle and is used for receiving signals sent by ETC sending components configured by other vehicles in the radio frequency communication range of the first vehicle, wherein the signals carry ETC keys.

The candidate vehicles comprise vehicles in the radio frequency communication range of the ETC receiving component of the transaction initiating vehicle; the key refers to encrypted information containing the vehicle identification.

In step S206, the ETC key of the detected at least one candidate vehicle is decrypted by the ETC receiving component to obtain the vehicle identifier of the at least one candidate vehicle.

In step S208, among the vehicle identifications of at least one candidate vehicle obtained by decrypting the ETC key, a candidate vehicle having the same vehicle identification as the target vehicle identification is selected as the target vehicle.

Step S210, submitting a collection request for the second vehicle to the server.

The collection request includes the target vehicle identification and the transaction amount.

Specifically, the server generates a transaction order according to the collection request and sends a transaction reminder to the target vehicle, wherein the transaction order records the vehicle identification of the transaction initiating vehicle and the transaction amount; the target vehicle displays the transaction reminding sent by the server, wherein the transaction reminding comprises the vehicle identification of the transaction initiating vehicle and the transaction amount; the target vehicle detects an ETC key of at least one vehicle to be detected through the configured ETC receiving component and decrypts the key, judges whether the identification information of the at least one vehicle to be detected obtained after the key decryption contains the vehicle identification, and if yes, submits a transaction confirmation instruction to the server so as to conduct transaction processing through the server; and after receiving a transaction confirmation instruction submitted by a vehicle machine terminal of the target vehicle, transferring funds from the funds account bound by the ETC receiving assembly of the target vehicle according to the transaction amount, and transferring the transferred funds to the funds account bound by the ETC receiving assembly of the transaction initiating vehicle.

Step S212, a transaction result reminder sent by the server is received.

Specifically, the server transfers the corresponding transaction amount from the fund account bound by the ETC configured by the second vehicle to the fund account bound by the ETC configured by the first vehicle, and sends a result reminder of successful transaction to the first vehicle and the second vehicle.

The following further describes the transaction processing method applied to the vehicle provided in this embodiment, referring to fig. 3, by taking an application of the transaction processing method applied to the vehicle in the payment scenario as an example, and specifically includes steps S302 to S314.

Step S302, payment information automatically generated by a processing system connected with the vehicle terminal is acquired.

In the automatic driving scene, the first vehicle initiating the transaction and the second vehicle being transacted are both automatic driving vehicles.

The first vehicle is configured with a vehicle terminal for submitting payment information for a second vehicle automatically generated by a system connected with the vehicle terminal; the payment information includes a target vehicle identification and a transaction amount.

Step S304, detecting, by the ETC receiving component, an ETC key of the at least one candidate vehicle.

In step S306, the ETC key of the at least one candidate vehicle is sent to the server, and the server decrypts the ETC key to obtain the vehicle identifier of the at least one candidate vehicle.

In step S308, among the vehicle identifications of at least one candidate vehicle obtained by decrypting the ETC key, a candidate vehicle having the same vehicle identification as the second vehicle identification is selected as the second vehicle.

Step S310, submitting a payment request for the second vehicle to the server.

The payment request includes the target vehicle identification and the transaction amount.

Step S310, judging whether the transaction amount is larger than a privacy-free limit threshold of a fund account bound by an ETC receiving component of the first vehicle;

if yes, go to step S312;

if not, submitting a secret payment-free instruction to the server so as to conduct transaction processing through the server.

And step S312, the vehicle-mounted terminal acquires the submitted payment password and submits the payment password and a transaction confirmation instruction to the server.

Step S314, receiving a transaction result reminder sent by the server.

Another embodiment of a transaction processing method applied to a vehicle is provided in the present specification:

referring to fig. 4, another transaction processing flow chart applied to a vehicle provided in this embodiment is shown, and referring to fig. 5, another transaction processing flow chart applied to a vehicle in a collection scene provided in this embodiment is shown.

Referring to fig. 4, the transaction processing method applied to a vehicle provided in the present embodiment specifically includes steps S402 to S408.

Step S402, receiving and displaying the transaction prompt sent by the server.

In the specific implementation, a transaction initiating vehicle provided with an ETC receiving component sends transaction information which is acquired by a vehicle terminal or automatically generated by a system connected with the vehicle terminal to a target vehicle provided with an ETC sending component, wherein the transaction information comprises a target vehicle identifier and transaction amount, then an ETC key of the vehicle in an ETC radio frequency communication range is detected through the configured ETC receiving component, and identity verification is carried out on the target vehicle according to the vehicle identifier of the vehicle in the ETC radio frequency communication range returned by a server and the target vehicle identifier acquired by the vehicle terminal; after the transaction initiating vehicle provided with the ETC receiving component confirms the target vehicle, a collection request is initiated to the target vehicle through the server, the server creates a transaction order according to the collection request, and a transaction reminder is generated and sent to the target vehicle.

Here, based on the transaction reminding sent by the server, the target vehicle receives the transaction reminding and displays the transaction reminding on the vehicle terminal, and according to the vehicle identification of the transaction initiating vehicle contained in the transaction reminding, the target vehicle can carry out identity verification on the identity of the transaction initiating vehicle through the configured ETC receiving component. The target vehicle is another vehicle which participates in the transaction relative to the transaction initiating vehicle, for example, the vehicle A initiates collection to the vehicle B, the vehicle A is used as the transaction initiating vehicle, and the vehicle B is used as the target vehicle; the transaction reminder includes a vehicle identification of the transaction initiating vehicle and a transaction amount.

In step S404, the ETC receiving component detects the ETC key of the at least one vehicle to be detected and decrypts the key.

According to the transaction processing method applied to the vehicle, the target vehicle detects the ETC secret key carried in the signal sent by the ETC sending component of the vehicle to be detected in the radio frequency communication range through the configured ETC receiving component, and decrypts the ETC secret key through the configured ETC receiving component or the server, so that the vehicle identification of the at least one vehicle to be detected is obtained.

In this embodiment, the vehicle to be detected includes a vehicle within a radio frequency communication range of the ETC receiving assembly of the target vehicle, and in an actual application scenario, the vehicle to be detected may be one or more vehicles.

In the implementation process, in the process of detecting and decrypting the ETC key of at least one vehicle to be detected through the ETC receiving component, optionally, the at least one vehicle to be detected sends out a signal through the ETC sending component configured respectively, wherein the signal carries the ETC key of the at least one candidate vehicle; correspondingly, the transaction initiating vehicle provided with the ETC receiving assembly detects an ETC key carried in a signal sent by the at least one vehicle to be detected through the ETC sending assembly respectively.

The ETC receiving component configured by the target vehicle detects the ETC secret key of at least one vehicle to be detected, and the target vehicle also performs identity verification on the transaction initiating vehicle to confirm the identity of the transaction initiating vehicle, so that the transaction safety is ensured.

Thereafter, for the detected ETC key of the at least one vehicle to be detected, key decryption is required to obtain a vehicle identifier of the at least one vehicle to be detected, and in an alternative implementation provided in this embodiment, the key decryption is specifically performed in the following manner:

detecting an ETC key of at least one vehicle to be detected through an ETC receiving component, and decrypting the ETC key of the at least one detected vehicle by the ETC receiving component to obtain a vehicle identifier of the at least one vehicle to be detected;

Or alternatively, the process may be performed,

detecting an ETC key of at least one vehicle to be detected through an ETC receiving component, sending the ETC key of the at least one vehicle to be detected to the server, and decrypting the ETC key by the server to obtain a vehicle identifier of the at least one vehicle to be detected;

and receiving the vehicle identification of the at least one vehicle to be detected, which is issued by the server.

Step S406, determining whether the vehicle identifier of the at least one vehicle to be detected obtained after decryption of the key includes the vehicle identifier.

According to the transaction processing method applied to the vehicle, based on the vehicle identification of at least one vehicle to be detected obtained by decrypting the key of the ETC key of the at least one vehicle to be detected through the server, after the target vehicle receives the vehicle identification of the at least one vehicle to be detected issued by the server, the identity of the vehicle initiating transaction is verified through judging whether the vehicle identification is contained in the vehicle identification of the at least one vehicle to be detected obtained after decrypting the key.

In the process of judging whether the vehicle identifier of at least one vehicle to be detected obtained after key decryption contains the vehicle identifier, comparing the vehicle identifier of the transaction initiating vehicle contained in the transaction reminding with the vehicle identifier of the at least one vehicle to be detected, and if the identifier information of the at least one vehicle to be detected obtained after key decryption contains the vehicle identifier, selecting at least one vehicle to be detected, of which the vehicle identifier is the same as the vehicle identifier of the transaction initiating vehicle, as the transaction initiating vehicle; if the identification verification of the target vehicle to the transaction initiating vehicle fails, sending a judgment result of the identification verification failure of the transaction initiating vehicle to a server, and terminating the transaction by the server according to the judgment result.

In the identity verification process of the target vehicle on the transaction initiating vehicle, according to one implementation manner provided in this embodiment, the target vehicle specifically performs the operation of failing the identity verification in the following manner:

and sending a judgment result to the server, and terminating the transaction by the server.

In an actual scenario, if the transaction amount contained in the transaction reminder is not confirmed, the transaction cannot be continued, for example, the a vehicle initiates 100 yuan to the B vehicle, the B vehicle does not confirm 100 yuan of the transaction amount, then the a vehicle terminates the transaction of 100 yuan initiated by the a vehicle to the B vehicle, or after the a vehicle changes the transaction amount to 50 yuan and initiates 50 yuan to the B vehicle, the B vehicle can confirm 50 yuan of the transaction amount, and then the transaction is processed through the server. In this embodiment, the target vehicle refuses to receive the transaction reminder issued by the server, sends a rejection instruction to the server, and terminates the transaction by the server, or receives and displays the transaction reminder issued by the server, submits a transaction confirmation instruction according to the updated transaction amount in the transaction reminder, and in one possible implementation manner in this embodiment, after the target vehicle does not confirm the transaction amount included in the transaction reminder, the following manner is specifically adopted to perform transaction processing:

Rejecting the collection reminder and sending a rejection instruction to the server to terminate the transaction;

or alternatively, the process may be performed,

and receiving and displaying a transaction reminder issued by the server, wherein the transaction reminder comprises a vehicle identifier of a transaction initiating vehicle and a transaction amount updated by the transaction initiating vehicle.

Step S408, submitting a transaction confirmation instruction to the server, so as to perform transaction processing through the server.

As described above, after the identity verification of the transaction initiating vehicle is performed by the target vehicle, the identity of the transaction initiating vehicle is confirmed, and the determination of the transaction amount in the transaction reminder is further required to be made according to the no-secret amount of the funds account bound by the ETC receiving component of the target vehicle:

and if the transaction amount is larger than a secret-free limit threshold of the fund account bound by the ETC receiving component of the target vehicle, acquiring a payment password submitted by a user by a vehicle machine terminal of the target vehicle provided with the ETC receiving component, submitting the payment password and a transaction confirmation instruction to the server, and if the transaction amount is smaller than the secret-free limit threshold, submitting the confirmation secret-free payment instruction to the server.

After receiving the transaction confirmation instruction or the payment-free instruction sent by the target vehicle, the server in this embodiment provides an alternative implementation manner, where the server specifically performs transaction processing in the following manner:

And transferring funds from the funds account bound by the ETC component of the target vehicle according to the transaction amount, and transferring the transferred funds to the funds account bound by the ETC identification component of the transaction initiating vehicle.

The following further describes another transaction processing method applied to a vehicle provided in this embodiment, taking an application of the transaction processing method applied to a vehicle in a collection scene as an example, referring to fig. 5, specifically including steps S502 to S518.

Step S502, receiving and displaying the transaction prompt sent by the server.

Specifically, a first vehicle provided with an ETC receiving component sends transaction information which is acquired by a vehicle terminal or automatically generated by a system connected with the vehicle terminal to a second vehicle provided with an ETC sending component, wherein the transaction information comprises a second vehicle identifier and transaction amount, then an ETC key of the vehicle in an ETC radio frequency communication range is detected through the configured ETC receiving component, and identity verification is carried out on the second vehicle according to the vehicle identifier of the vehicle in the ETC radio frequency communication range returned by a server and the second vehicle identifier acquired by the vehicle terminal; after the first vehicle provided with the ETC receiving component confirms the second vehicle, a collection request is initiated to the second vehicle through the server, the server creates a transaction order according to the collection request, and a transaction reminder is generated and sent to the second vehicle.

In step S504, the ETC receiving component detects the ETC key of the at least one vehicle to be detected and decrypts the key.

Specifically, detecting an ETC key of at least one vehicle to be detected through an ETC receiving component, and decrypting the ETC key of the at least one detected vehicle by the ETC receiving component to obtain a vehicle identifier of the at least one vehicle to be detected; or detecting an ETC key of at least one vehicle to be detected through an ETC receiving component, sending the ETC key of the at least one vehicle to be detected to the server, and decrypting the ETC key by the server to obtain the vehicle identification of the at least one vehicle to be detected.

Step S502, determining whether the vehicle identifier of the at least one vehicle to be detected obtained after decryption of the key includes the first vehicle identifier.

And step S504, if yes, submitting a transaction confirmation instruction to the server so as to process the transaction through the server.

Step S506, judging whether the transaction amount is larger than a privacy-free limit threshold of the fund account bound by the ETC receiving component of the first vehicle;

if yes, go to step S508;

And step S508, the vehicle-mounted terminal acquires the payment password submitted by the user and submits the payment password and a transaction confirmation instruction to the server.

And step S510, transferring funds from the funds account bound by the ETC receiving component of the first vehicle according to the transaction amount, and transferring the transferred funds to the funds account bound by the ETC receiving component of the second vehicle.

Step S512, receiving a transaction result reminder sent by the server.

An embodiment of a transaction processing device for a vehicle provided in the present specification is as follows:

in the above-described embodiments, a transaction processing method applied to a vehicle is provided, and a transaction processing apparatus applied to a vehicle is provided correspondingly, and is described below with reference to the accompanying drawings.

Referring to fig. 6, a schematic diagram of a transaction processing method device applied to a vehicle according to the present embodiment is shown.

Since the apparatus embodiments correspond to the method embodiments, the description is relatively simple, and the relevant portions should be referred to the corresponding descriptions of the method embodiments provided above. The device embodiments described below are merely illustrative.

The present embodiment provides a transaction processing device applied to a vehicle, including:

a transaction information acquisition module 602 configured to acquire transaction information acquired by the vehicle-to-machine terminal, the transaction information including a target vehicle identification and a transaction amount;

a detection module 604 configured to detect, by the ETC receiving component, an ETC key of the at least one candidate vehicle;

a decryption module 606 configured to select, as a target vehicle, a candidate vehicle having the same vehicle identification as the target vehicle identification, from among vehicle identifications of at least one candidate vehicle obtained by key decryption of the ETC key;

a transaction module 608 is configured to initiate transaction processing with the target vehicle via a server based on the transaction information.

Another example of a transaction processing device applied to a vehicle provided in the present specification is as follows:

in the above-described embodiments, another transaction processing method applied to a vehicle is provided, and in correspondence thereto, another transaction processing apparatus applied to a vehicle is also provided, which is described below with reference to the accompanying drawings.

Referring to fig. 7, another schematic diagram of a transaction processing method device applied to a vehicle according to the present embodiment is shown.

The present embodiment provides another transaction processing device applied to a vehicle, including:

a transaction reminder receiving module 702 configured to receive and display a transaction reminder sent by a server, the transaction reminder including a vehicle identification of a transaction initiating vehicle and a transaction amount;

a detection decryption module 704 configured to detect, by the ETC receiving component, an ETC key of at least one vehicle to be detected and decrypt the key;

a determining module 706, configured to determine whether the vehicle identifier of the at least one vehicle to be detected obtained after decryption of the key includes the vehicle identifier;

if the result of the operation of the judging module 706 is yes, a transaction module 708 is operated, and the transaction module 708 is configured to submit a transaction confirmation instruction to the server so as to process the transaction through the server.

An embodiment of a transaction processing device applied to a vehicle provided in the present specification is as follows:

in correspondence to the above-described transaction processing method applied to a vehicle, one or more embodiments of the present disclosure further provide a transaction processing device applied to a vehicle for executing the above-provided transaction processing method applied to a vehicle, and fig. 8 is a schematic structural diagram of the transaction processing device applied to a vehicle according to one or more embodiments of the present disclosure, based on the same technical concept.

as shown in fig. 8, the transaction processing device applied to the vehicle may have a relatively large difference due to different configurations or performances, and may include one or more processors 801 and a memory 802, where one or more storage applications or data may be stored in the memory 802. Wherein the memory 802 may be transient storage or persistent storage. The application programs stored in the memory 802 may include one or more modules (not shown in the figures), each of which may include a series of computer-executable instructions for application in a transaction processing device of a vehicle. Still further, the processor 501 may be configured to communicate with the memory 802 and execute a series of computer executable instructions in the memory 802 on a transaction processing device applied to a vehicle. The transaction processing device applied to the vehicle may also include one or more power supplies 803, one or more wired or wireless network interfaces 804, one or more input/output interfaces 805, one or more keyboards 806, and the like.

In one particular embodiment, a transaction processing device for a vehicle includes a memory, and one or more programs, wherein the one or more programs are stored in the memory, and the one or more programs may include one or more modules, and each module may include a series of computer-executable instructions for use in the transaction processing device for a vehicle, and configured to be executed by one or more processors, the one or more programs including computer-executable instructions for:

Acquiring transaction information acquired by a vehicle terminal, wherein the transaction information comprises a target vehicle identifier and transaction amount;

detecting, by the ETC receiving component, an ETC key of the at least one candidate vehicle;

selecting a candidate vehicle with the same vehicle identification as the target vehicle identification from the vehicle identifications of at least one candidate vehicle obtained after the ETC key is subjected to key decryption;

and initiating transaction processing with the target vehicle through a server based on the transaction information.

in correspondence to the above-described another vehicle-applied transaction processing method, one or more embodiments of the present disclosure further provide another vehicle-applied transaction processing device, based on the same technical concept, where the data processing device is applied to the vehicle-applied transaction processing device for performing the above-provided vehicle-applied transaction processing method, and fig. 9 is a schematic structural diagram of another vehicle-applied transaction processing device provided by the one or more embodiments of the present disclosure.

Another transaction processing device applied to a vehicle provided in this embodiment includes:

As shown in fig. 9, the transaction processing device applied to the vehicle may have a relatively large difference due to different configurations or performances, and may include one or more processors 901 and a memory 902, where the memory 902 may store one or more storage applications or data. Wherein the memory 902 may be transient storage or persistent storage. The application programs stored in the memory 902 may include one or more modules (not shown in the figures), each of which may include a series of computer-executable instructions for application in a transaction processing device of a vehicle. Still further, the processor 901 may be configured to communicate with the memory 902 and execute a series of computer executable instructions in the memory 902 on a transaction processing device applied to a vehicle. The transaction processing device applied to the vehicle may also include one or more power supplies 903, one or more wired or wireless network interfaces 904, one or more input/output interfaces 909, one or more keyboards 906, and the like.

Receiving and displaying a transaction reminder sent by a server, wherein the transaction reminder comprises a vehicle identifier of a transaction initiating vehicle and a transaction amount;

detecting an ETC key of at least one vehicle to be detected through an ETC receiving component and decrypting the key;

judging whether the vehicle identifier of at least one vehicle to be detected obtained after the key decryption contains the vehicle identifier or not;

An embodiment of a storage medium provided in the present specification is as follows:

corresponding to one transaction processing method applied to a vehicle described above, one or more embodiments of the present specification further provide a storage medium based on the same technical idea.

The storage medium provided in this embodiment is configured to store computer executable instructions, where the computer executable instructions when executed implement the following procedures:

Another storage medium embodiment provided in the specification is as follows:

It should be noted that, the embodiments related to the storage medium in the present specification and the embodiments related to the data processing method in the present specification are based on the same inventive concept, so the specific implementation of this embodiment may refer to the implementation of the foregoing corresponding method, and the repetition is not repeated.

The foregoing describes specific embodiments of the present disclosure. Other embodiments are within the scope of the following claims. In some cases, the actions or steps recited in the claims can be performed in a different order than in the embodiments and still achieve desirable results. In addition, the processes depicted in the accompanying figures do not necessarily require the particular order shown, or sequential order, to achieve desirable results. In some embodiments, multitasking and parallel processing are also possible or may be advantageous.

In the 30 s of the 20 th century, improvements to one technology could clearly be distinguished as improvements in hardware (e.g., improvements to circuit structures such as diodes, transistors, switches, etc.) or software (improvements to the process flow). However, with the development of technology, many improvements of the current method flows can be regarded as direct improvements of hardware circuit structures. Designers almost always obtain corresponding hardware circuit structures by programming improved method flows into hardware circuits. Therefore, an improvement of a method flow cannot be said to be realized by a hardware entity module. For example, a programmable logic device (Programmable Logic Device, PLD) (e.g., field programmable gate array (Field Programmable Gate Array, FPGA)) is an integrated circuit whose logic function is determined by the programming of the device by a user. A designer programs to "integrate" a digital system onto a PLD without requiring the chip manufacturer to design and fabricate application-specific integrated circuit chips. Moreover, nowadays, instead of manually manufacturing integrated circuit chips, such programming is mostly implemented by using "logic compiler" software, which is similar to the software compiler used in program development and writing, and the original code before the compiling is also written in a specific programming language, which is called hardware description language (Hardware Description Language, HDL), but not just one of the hdds, but a plurality of kinds, such as ABEL (Advanced Boolean Expression Language), AHDL (Altera Hardware Description Language), confluence, CUPL (Cornell University Programming Language), HDCal, JHDL (Java Hardware Description Language), lava, lola, myHDL, PALASM, RHDL (Ruby Hardware Description Language), etc., VHDL (Very-High-Speed Integrated Circuit Hardware Description Language) and Verilog are currently most commonly used. It will also be apparent to those skilled in the art that a hardware circuit implementing the logic method flow can be readily obtained by merely slightly programming the method flow into an integrated circuit using several of the hardware description languages described above.

The controller may be implemented in any suitable manner, for example, the controller may take the form of, for example, a microprocessor or processor and a computer readable medium storing computer readable program code (e.g., software or firmware) executable by the (micro) processor, logic gates, switches, application specific integrated circuits (Application Specific Integrated Circuit, ASIC), programmable logic controllers, and embedded microcontrollers, examples of which include, but are not limited to, the following microcontrollers: ARC629D, atmel AT91SAM, microchip PIC18F26K20, and Silicone Labs C8091F320, the memory controller may also be implemented as part of the control logic of the memory. Those skilled in the art will also appreciate that, in addition to implementing the controller in a pure computer readable program code, it is well possible to implement the same functionality by logically programming the method steps such that the controller is in the form of logic gates, switches, application specific integrated circuits, programmable logic controllers, embedded microcontrollers, etc. Such a controller may thus be regarded as a kind of hardware component, and means for performing various functions included therein may also be regarded as structures within the hardware component. Or even means for achieving the various functions may be regarded as either software modules implementing the methods or structures within hardware components.

The system, apparatus, module or unit set forth in the above embodiments may be implemented in particular by a computer chip or entity, or by a product having a certain function. One typical implementation is a computer. In particular, the computer may be, for example, a personal computer, a laptop computer, a cellular telephone, a camera phone, a smart phone, 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.

For convenience of description, the above devices are described as being functionally divided into various units, respectively. Of course, the functions of each unit may be implemented in the same piece or pieces of software and/or hardware when implementing the embodiments of the present specification.

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

The present description is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems) and computer program products according to embodiments of the specification. It will be understood that each flow and/or block of the flowchart illustrations and/or block diagrams, and combinations of flows and/or blocks in the flowchart illustrations 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.

In one typical configuration, a computing device includes one or more processors (CPUs), input/output interfaces, network interfaces, and memory.

The memory may include volatile memory in a computer-readable medium, random Access Memory (RAM) and/or nonvolatile memory, such as Read Only Memory (ROM) or flash memory (flash RAM). Memory is an example of computer-readable media.

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 storage media for a computer 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 Disks (DVD) or other optical storage, magnetic cassettes, magnetic disk storage or other magnetic storage devices, or any other non-transmission medium which can be used to store information that can be accessed by a computing device. Computer-readable media, as defined herein, does not include transitory computer-readable media (transmission media), such as modulated data signals and carrier waves.

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 one … …" does not exclude the presence of other like elements in a process, method, article or apparatus that comprises the element.

One or more embodiments of the present specification may be described in the general context of computer-executable instructions, such as program modules, being executed by a computer. Generally, program modules include routines, programs, objects, components, data structures, etc. that perform particular tasks or implement particular abstract data types. One or more embodiments of the specification may also be practiced in distributed computing environments where tasks are performed by remote processing devices that are linked through a communications network. In a distributed computing environment, program modules may be located in both local and remote computer storage media including memory storage devices.

In this specification, each embodiment is described in a progressive manner, and identical and similar parts of each embodiment are all referred to each other, and each embodiment mainly describes differences from other embodiments. In particular, for system embodiments, since they are substantially similar to method embodiments, the description is relatively simple, as relevant to see a section of the description of method embodiments.

The foregoing description is by way of example only and is not intended to limit the present disclosure. Various modifications and changes may occur to those skilled in the art. Any modifications, equivalent substitutions, improvements, etc. that fall within the spirit and principles of the present document are intended to be included within the scope of the claims of the present document.

Claims

1. A transaction processing method applied to a vehicle, comprising:

acquiring payment information acquired through a touch screen of a vehicle-mounted terminal, wherein the payment information comprises a target vehicle identifier and transaction amount;

transmitting the ETC secret key to a server, and decrypting the ETC secret key by the server to obtain the vehicle identification of the at least one candidate vehicle;

Receiving a vehicle identification of the at least one candidate vehicle issued by the server;

selecting a candidate vehicle with the same vehicle identification as the target vehicle in the vehicle identifications of the at least one candidate vehicle;

judging whether the transaction amount is larger than a non-secret limit threshold of a fund account bound by the ETC receiving component;

if the payment result reminding request is larger than the payment result reminding request, the payment password submitted by the user is obtained, the payment password and the transaction confirmation instruction are submitted to the server, and the transaction result reminding sent by the server is received.

2. The transaction processing method applied to vehicles according to claim 1, wherein the at least one candidate vehicle sends out a signal through the ETC sending component configured by each candidate vehicle, and the signal carries respective ETC keys of the at least one candidate vehicle;

accordingly, the transaction initiating vehicle provided with the ETC receiving component detects an ETC key carried in a signal sent by the at least one candidate vehicle through the ETC sending component respectively provided by the ETC receiving component.

3. The transaction processing method applied to a vehicle according to claim 1, further comprising:

and receiving a transaction result prompt sent by the server.

4. A transaction processing method applied to a vehicle according to claim 3, the server, after receiving a collection request of the transaction initiating vehicle, performs transaction processing as follows:

generating a transaction order according to the collection request and sending a transaction reminder to the target vehicle, wherein the transaction order records a vehicle identifier and a transaction amount of a transaction initiating vehicle;

after receiving a transaction confirmation instruction submitted by a vehicle machine terminal of the target vehicle, transferring funds from a funds account bound by an ETC receiving component of the target vehicle according to transaction amount, and transferring the transferred funds to the funds account bound by the ETC receiving component of the transaction initiating vehicle;

and sending a transaction result prompt to the target vehicle.

5. The transaction processing method applied to a vehicle according to claim 4, wherein the target vehicle performs the following operations after receiving the transaction reminder transmitted from the server:

Displaying the transaction reminder sent by the server, wherein the transaction reminder comprises a vehicle identifier and a transaction amount of the transaction initiating vehicle;

judging whether the identification information of at least one vehicle to be detected obtained after the key decryption contains the vehicle identification of the transaction initiating vehicle or not;

6. The transaction processing method applied to a vehicle according to claim 1, wherein if the execution result after the step of determining whether the transaction amount is greater than the no-credit threshold of the funds account bound by the ETC receiving component is less than or equal to:

and submitting a secret payment-free instruction to the server so as to conduct transaction processing through the server.

7. The transaction processing method applied to a vehicle according to claim 6, wherein the server performs the following transaction processing after receiving the payment password and the transaction confirmation instruction submitted by a transaction initiating vehicle, or the secret payment-free instruction:

8. The transaction processing method applied to a vehicle according to claim 1, the target vehicle identification comprising at least one of:

license plate number, vehicle engine number, vehicle model number and owner information.

9. A transaction processing method applied to a vehicle, comprising:

detecting, by the ETC receiving component, an ETC key of at least one vehicle to be detected;

sending the ETC secret key to the server, and decrypting the ETC secret key by the server to obtain the vehicle identification of the at least one vehicle to be detected;

receiving a vehicle identification of the at least one vehicle to be detected, which is issued by the server;

judging whether the vehicle identification of the at least one vehicle to be detected contains the vehicle identification of the transaction initiating vehicle or not;

If yes, submitting a transaction confirmation instruction to the server so as to carry out payment processing through the server;

if the transaction amount is greater than the encryption-free limit threshold of the fund account bound by the ETC receiving component, acquiring a payment password submitted by a user, and submitting the payment password and a transaction confirmation instruction to the server;

and receiving a transaction result prompt sent by the server.

10. The transaction processing method applied to vehicles according to claim 9, wherein the at least one vehicle to be detected sends out a signal through the ETC sending component configured respectively, and the signal carries the ETC key of the at least one vehicle to be detected respectively;

correspondingly, the target vehicle provided with the ETC receiving assembly detects an ETC key carried in a signal sent by the at least one vehicle to be detected through the ETC sending assembly respectively arranged through the ETC receiving assembly.

11. The transaction processing method applied to a vehicle according to claim 9, the submitting transaction confirmation instructions to the server to perform payment processing operations by the server, further comprising:

and if the transaction amount is smaller than or equal to the no-secret credit threshold, submitting a no-secret payment instruction to the server so as to conduct transaction processing through the server.

12. The transaction processing method applied to the vehicle according to claim 11, wherein the server performs the following transaction processing after receiving a transaction confirmation instruction or a payment-free instruction submitted by the target vehicle:

and transferring funds from the funds account bound by the ETC receiving component of the target vehicle according to the transaction amount, and transferring the transferred funds to the funds account bound by the ETC receiving component of the transaction initiating vehicle.

13. The transaction processing method applied to a vehicle according to claim 9, if the result after the step of determining whether the vehicle identification of the vehicle to be detected includes the vehicle identification of the transaction initiating vehicle is no, executing the following operations:

14. The transaction processing method applied to a vehicle according to claim 9, wherein after the step of determining whether the vehicle identification of the at least one vehicle to be detected includes the vehicle identification of the transaction initiating vehicle is performed, further comprising:

and receiving and displaying the transaction prompt issued by the server, wherein the issued transaction prompt comprises the vehicle identification of the transaction initiating vehicle and the updated transaction amount of the transaction initiating vehicle.

15. A transaction processing device for a vehicle, comprising:

the transaction information acquisition module is configured to acquire payment information acquired through a touch screen of the vehicle-to-machine terminal, wherein the payment information comprises a target vehicle identifier and a transaction amount;

a detection module configured to detect, by the ETC receiving component, an ETC key of the at least one candidate vehicle;

the decryption module is configured to send the ETC key to a server, and the server decrypts the ETC key to obtain the vehicle identification of the at least one candidate vehicle; receiving a vehicle identification of the at least one candidate vehicle issued by the server; selecting a candidate vehicle with the same vehicle identification as the target vehicle in the vehicle identifications of the at least one candidate vehicle;

a transaction module configured to submit a payment request for the target vehicle to the server, the payment request including the target vehicle identification and the transaction amount; judging whether the transaction amount is larger than a non-secret limit threshold of a fund account bound by the ETC receiving component; if the payment result reminding request is larger than the payment result reminding request, the payment password submitted by the user is obtained, the payment password and the transaction confirmation instruction are submitted to the server, and the transaction result reminding sent by the server is received.

16. A transaction processing device for a vehicle, comprising:

the transaction reminding receiving module is configured to receive and display a transaction reminding sent by the server, wherein the transaction reminding comprises a vehicle identification of a transaction initiating vehicle and a transaction amount;

a detection decryption module configured to detect, by the ETC receiving component, an ETC key of at least one vehicle to be detected; sending the ETC secret key to the server, and decrypting the ETC secret key by the server to obtain the vehicle identification of the at least one vehicle to be detected; receiving a vehicle identification of the at least one vehicle to be detected, which is issued by the server;

a judging module configured to judge whether the vehicle identifier of the at least one vehicle to be detected contains the vehicle identifier of the transaction initiating vehicle;

if the operation result of the judging module is yes, operating a transaction module, wherein the transaction module is configured to submit a transaction confirmation instruction to the server so as to conduct transaction processing through the server; if the transaction amount is greater than the encryption-free limit threshold of the fund account bound by the ETC receiving component, acquiring a payment password submitted by a user, and submitting the payment password and a transaction confirmation instruction to the server; and receiving a transaction result prompt sent by the server.

17. A transaction processing device for use in a vehicle, comprising:

a processor; and a memory configured to store computer-executable instructions that, when executed, cause the processor to:

judging whether the transaction amount is larger than a non-secret limit threshold of a fund account bound by the ETC receiving component; if the payment result reminding request is larger than the payment result reminding request, the payment password submitted by the user is obtained, the payment password and the transaction confirmation instruction are submitted to the server, and the transaction result reminding sent by the server is received.

18. A transaction processing device for use in a vehicle, comprising:

if yes, submitting a transaction confirmation instruction to the server so as to process the transaction through the server;

And receiving a transaction result prompt sent by the server.

19. A storage medium storing computer-executable instructions that when executed implement the following:

20. A storage medium storing computer-executable instructions that when executed implement the following:

and receiving a transaction result prompt sent by the server.