CN114187670A - Automatic payment ETC financial service platform and method - Google Patents
Automatic payment ETC financial service platform and method Download PDFInfo
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- CN114187670A CN114187670A CN202110892988.7A CN202110892988A CN114187670A CN 114187670 A CN114187670 A CN 114187670A CN 202110892988 A CN202110892988 A CN 202110892988A CN 114187670 A CN114187670 A CN 114187670A
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- G—PHYSICS
- G07—CHECKING-DEVICES
- G07B—TICKET-ISSUING APPARATUS; FARE-REGISTERING APPARATUS; FRANKING APPARATUS
- G07B15/00—Arrangements or apparatus for collecting fares, tolls or entrance fees at one or more control points
- G07B15/06—Arrangements for road pricing or congestion charging of vehicles or vehicle users, e.g. automatic toll systems
- G07B15/063—Arrangements for road pricing or congestion charging of vehicles or vehicle users, e.g. automatic toll systems using wireless information transmission between the vehicle and a fixed station
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06F—ELECTRIC DIGITAL DATA PROCESSING
- G06F16/00—Information retrieval; Database structures therefor; File system structures therefor
- G06F16/20—Information retrieval; Database structures therefor; File system structures therefor of structured data, e.g. relational data
- G06F16/27—Replication, distribution or synchronisation of data between databases or within a distributed database system; Distributed database system architectures therefor
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/322—Aspects of commerce using mobile devices [M-devices]
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4014—Identity check for transactions
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L67/00—Network arrangements or protocols for supporting network services or applications
- H04L67/01—Protocols
- H04L67/10—Protocols in which an application is distributed across nodes in the network
- H04L67/1095—Replication or mirroring of data, e.g. scheduling or transport for data synchronisation between network nodes
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04W—WIRELESS COMMUNICATION NETWORKS
- H04W4/00—Services specially adapted for wireless communication networks; Facilities therefor
- H04W4/80—Services using short range communication, e.g. near-field communication [NFC], radio-frequency identification [RFID] or low energy communication
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Abstract
The invention discloses an automatic payment ETC financial service platform and a method, relates to the technical field of electronic payment, and aims to solve the problem of pain in the prior art that a user passes through before pays. The technical scheme is characterized in that the system comprises a user information acquisition module, a vehicle information acquisition module and a vehicle information acquisition module, wherein the user information acquisition module is used for acquiring personal information, vehicle information and consumption information of a user; the data synchronization module is used for inputting the data acquired by the user information acquisition module into a user information database and synchronizing the data to a service provider; the account opening and credit granting module is used for opening a personal account as a passing consumption ID and inquiring the credit condition of the user to examine and approve the credit granting amount to the personal account; and the activation module is used for writing the information into the equipment and activating the equipment after the personal information and the passing consumption ID are successfully authenticated and the Bluetooth of the mobile phone is successfully connected with the equipment. The invention achieves the purposes of applying a financial algorithm to an ETC automatic payment system, providing a complete financial solution for commercial vehicle owners and commercial vehicle fleets and building the financial ecology used by ETC.
Description
Technical Field
The invention relates to the technical field of electronic payment, in particular to an ETC financial service platform and method for automatic payment.
Background
ETC, an electronic toll collection system, realizes automatic toll collection for highways or bridges. The special short-range communication is carried out between the vehicle-mounted electronic tag arranged on the vehicle windshield and the microwave antenna on the ETC lane of the toll station, and the computer networking technology and the bank are utilized to carry out background settlement processing, so that the purpose that the vehicle can pay the highway or bridge expenses through the highway or bridge toll station without parking is achieved.
ETC is an electronic automatic toll collection system for highways, bridges and tunnels which is being developed and popularized in an international effort. The technology has been developed in foreign courses, and electronic toll systems in many countries and regions, such as the united states, europe, etc., have been locally networked and have evolved into large-scale revenue. The road networking charging mode mainly based on the manual charging mode is undoubtedly influenced by the trend of using IC cards and magnetic cards as media in China.
With the development of science and technology, various scientific calculation data are continuously increased, and it becomes an urgent need to automate vehicle toll payment to obtain convenience. However, as the number of vehicles is larger and larger, the freight car toll is generally higher, the capital pressure on a truck driver or a truck fleet is very large, but a complete system scheme for solving the problem of pain points of passing first and then paying is not provided.
Disclosure of Invention
The invention aims to provide an automatic payment ETC financial service platform and a method.
The above object of the present invention is achieved by the following technical solutions:
the utility model provides an automatic collect fee ETC financial service platform which characterized in that includes:
the system comprises a user information acquisition module, a display module and a display module, wherein the user information acquisition module is used for acquiring user personal information, vehicle information and consumption information, the user information comprises a personal identification card photo and emergency contact information, the vehicle information comprises a license plate number, a vehicle color, a vehicle type, the number of axles, a first page and a second page of a driving license, a road transportation license and a 45-degree personal-vehicle co-photograph, and the consumption information comprises financial products;
the data synchronization module is used for inputting the data acquired by the user information acquisition module into a user information database and synchronizing the data to a service provider;
the account opening and credit granting module is used for opening a personal account as a passing consumption ID and inquiring the credit condition of the user to examine and approve the credit granting amount to the personal account;
and the activation module is used for writing the information into the equipment and activating the equipment after the personal information and the passing consumption ID are successfully authenticated and the Bluetooth of the mobile phone is successfully connected with the equipment.
The invention is further configured to: the account opening and credit granting module is in communication connection with a plurality of financial agent terminals, and the financial agent terminals provide financial product information for users through the financial service platform.
The invention is further configured to: the financial service platform also comprises a user login module used for verifying the user identity and acquiring the corresponding user information of the user information database.
The invention is further configured to: the financial service platform also comprises a bill generation module which is used for issuing a bill after counting the deduction amount.
The invention is further configured to: the financial service platform also comprises a payment module which is used for carrying out transaction fee payment by using the personal account according to the bill and the financial product and sending the passing consumption ID to the financial agency terminal.
The invention is further configured to: the financial service platform also comprises a transaction notification module which is used for pushing bills and notification of successful payment of transaction fees to the user.
The second purpose of the invention is realized by the following technical scheme:
an automatic payment ETC financial service method comprises the following steps:
inputting user information, wherein the user information comprises personal information, vehicle information and consumption information, the user information comprises a personal identification card photo and emergency contact information, the vehicle information comprises a license plate number, a vehicle color, a vehicle type, a number of axles, a first page and a second page of a driving license, a road transportation license and a 45-degree personal vehicle co-photograph, and the consumption information comprises financial products;
uploading user information, storing the user information into a user information database and synchronizing the user information database to a service provider;
opening an account and giving credit, namely opening a personal account as a passing consumption ID according to personal information of a user, inquiring comprehensive evaluation of the credit condition of the user, and approving a credit line to the personal account of the user;
and (4) activating the equipment, namely after the personal information and the passing consumption ID are successfully authenticated and the Bluetooth of the mobile phone is successfully connected with the equipment, writing the information into the equipment and activating the equipment.
The invention is further configured to: the step of entering the user information comprises registering and logging in a user account, and the user information is entered in the user account.
In conclusion, the beneficial technical effects of the invention are as follows:
according to the invention, through the construction of the automatic payment ETC financial service platform, a complete business logic from ETC application to use is formed, so that the vehicle owner can conveniently apply and activate an ETC product on line, and meanwhile, the financial product is accessed, so that a fund turnover or fund convenient solution is provided for the vehicle owner.
Drawings
FIG. 1 is a schematic overall structure diagram of a first embodiment of the present invention;
fig. 2 is an overall flowchart of a second embodiment of the present invention.
Detailed Description
The present invention will be described in further detail with reference to the accompanying drawings.
Example one
Referring to fig. 1, the invention discloses an automatic payment ETC financial service platform, which is characterized by comprising a user information acquisition module, a data synchronization module, an account opening and credit granting module, an activation module, a user login module, a bill generation module, a payment module and a transaction notification module.
The user information acquisition module is used for acquiring user personal information, vehicle information and consumption information, the user information comprises a personal identification card photo and emergency contact information, the vehicle information comprises a license plate number, a vehicle color, a vehicle type, the number of axles, a first page and a second page of a driving license, a road transportation license and a 45-degree co-illumination of a person and a vehicle, and the consumption information comprises financial products.
And the data synchronization module is used for inputting the data acquired by the user information acquisition module into a user information database and synchronizing the data to a service provider.
And the account opening and credit granting module is used for opening the personal account as the passing consumption ID and inquiring the credit condition of the user to examine and approve the credit granting amount to the personal account. The account opening and credit granting module is in communication connection with a plurality of financial agent terminals, and the financial agent terminals provide financial product information for users through the financial service platform.
And the activation module is used for writing the information into the equipment and activating the equipment after the personal information and the passing consumption ID are successfully authenticated and the Bluetooth of the mobile phone is successfully connected with the equipment.
And the user login module is used for verifying the user identity and acquiring the corresponding user information of the user information database.
And the bill generation module is used for issuing a bill after counting the deduction amount.
And the payment module is used for carrying out transaction fee payment by using the personal account according to the bill and the financial product and sending the pass consumption ID to the financial agency terminal.
And the transaction notification module is used for pushing a bill to the user and notifying that the payment of the transaction fee is successful.
Example two
An automatic payment ETC financial service method comprises the following steps:
s1, registering and logging in the user account. In the embodiment, WeChat one-key authorization login or personal mobile phone number verification code login is supported. The method comprises the following steps: clicking to enter a WeChat applet, and performing registration login operation; or scanning the code by using the small program two-dimensional code to enter, and performing registration and login operation.
And S2, after logging in the user account for the first time, popping up a form on a mobile phone interface, and inputting user information. The user information comprises personal information, vehicle information and consumption information, the user information comprises a personal identification card photo and emergency contact information, the vehicle information comprises a license plate number, a vehicle color, a vehicle type, the number of axles, a first page and a second page of a driving license, a road transportation license and a 45-degree personal vehicle co-photograph, the consumption information comprises financial products, the user can select one of a plurality of financial products by himself, and the financial products comprise multiple types of monthly products, weekly products and weekly products.
And S3, uploading the user information, storing the user information in a user information database and synchronizing the user information to the service provider. In order to ensure the correctness and the effectiveness of the data, the data uploaded by the front-end acquisition is filtered, and the filtered data is stored in a user information database and synchronized to a service provider.
And S4, opening an account and granting credit, namely opening a personal account as a passing consumption ID according to the personal information of the user, inquiring the comprehensive evaluation of the credit condition of the user, and approving the credit line to the personal account of the user. When the user does not fill in the consumption information in step S2, the user may select the type of financial product, display the product description, and decide to select the product in this step. If the consumption information is filled in step S2, the present step is skipped.
And S5, activating the equipment, namely after the personal information and the pass consumption ID are successfully authenticated and the Bluetooth of the mobile phone is successfully connected with the equipment, writing the information into the equipment and activating the equipment. The main steps include uploading the 45-degree co-illumination of the people and the vehicles, connecting equipment and mobile phone Bluetooth, selecting matched equipment information, inputting the last four digits of the card number, and displaying the success of activation after successful matching and writing.
The embodiments of the present invention are preferred embodiments of the present invention, and the scope of the present invention is not limited by these embodiments, so: all equivalent changes made according to the structure, shape and principle of the invention are covered by the protection scope of the invention.
Claims (8)
1. The utility model provides an automatic collect fee ETC financial service platform which characterized in that includes:
the system comprises a user information acquisition module, a display module and a display module, wherein the user information acquisition module is used for acquiring user personal information, vehicle information and consumption information, the user information comprises a personal identification card photo and emergency contact information, the vehicle information comprises a license plate number, a vehicle color, a vehicle type, the number of axles, a first page and a second page of a driving license, a road transportation license and a 45-degree personal-vehicle co-photograph, and the consumption information comprises financial products;
the data synchronization module is used for inputting the data acquired by the user information acquisition module into a user information database and synchronizing the data to a service provider;
the account opening and credit granting module is used for opening a personal account as a passing consumption ID and inquiring the credit condition of the user to examine and approve the credit granting amount to the personal account;
and the activation module is used for writing the information into the equipment and activating the equipment after the personal information and the passing consumption ID are successfully authenticated and the Bluetooth of the mobile phone is successfully connected with the equipment.
2. The automatic payment ETC financial service platform according to claim 1, wherein: the account opening and credit granting module is in communication connection with a plurality of financial agent terminals, and the financial agent terminals provide financial product information for users through the financial service platform.
3. The automatic payment ETC financial service platform according to claim 2, wherein: the financial service platform also comprises a user login module used for verifying the user identity and acquiring the corresponding user information of the user information database.
4. The automatic payment ETC financial service platform according to claim 3, wherein: the financial service platform also comprises a bill generation module which is used for issuing a bill after counting the deduction amount.
5. The automatic payment ETC financial service platform according to claim 4, wherein: the financial service platform also comprises a payment module which is used for carrying out transaction fee payment by using the personal account according to the bill and the financial product and sending the passing consumption ID to the financial agency terminal.
6. The automatic payment ETC financial service platform according to claim 5, wherein: the financial service platform also comprises a transaction notification module which is used for pushing bills and notification of successful payment of transaction fees to the user.
7. An automatic payment ETC financial service method is characterized by comprising the following steps:
inputting user information, wherein the user information comprises personal information, vehicle information and consumption information, the user information comprises a personal identification card photo and emergency contact information, the vehicle information comprises a license plate number, a vehicle color, a vehicle type, a number of axles, a first page and a second page of a driving license, a road transportation license and a 45-degree personal vehicle co-photograph, and the consumption information comprises financial products;
uploading user information, storing the user information into a user information database and synchronizing the user information database to a service provider;
opening an account and giving credit, namely opening a personal account as a passing consumption ID according to personal information of a user, inquiring comprehensive evaluation of the credit condition of the user, and approving a credit line to the personal account of the user;
and (4) activating the equipment, namely after the personal information and the passing consumption ID are successfully authenticated and the Bluetooth of the mobile phone is successfully connected with the equipment, writing the information into the equipment and activating the equipment.
8. The automatic payment ETC financial service method according to claim 7, wherein: the step of entering the user information comprises registering and logging in a user account, and the user information is entered in the user account.
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| Application Number | Priority Date | Filing Date | Title |
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| CN202110892988.7A CN114187670A (en) | 2021-08-04 | 2021-08-04 | Automatic payment ETC financial service platform and method |
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| CN202110892988.7A CN114187670A (en) | 2021-08-04 | 2021-08-04 | Automatic payment ETC financial service platform and method |
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| CN114187670A true CN114187670A (en) | 2022-03-15 |
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Citations (6)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| KR20090001763A (en) * | 2007-05-18 | 2009-01-09 | 사단법인 금융결제원 | Payment service method for toll road passage money using bank account |
| CN203386245U (en) * | 2013-05-20 | 2014-01-08 | 北京速通科技有限公司 | Electronic toll collection (ETC) on board unit on-line issuing system combining mobile terminal |
| CN111291579A (en) * | 2018-12-06 | 2020-06-16 | 上海搜林信息技术有限公司 | Vehicle-mounted unit activation method, card reading device and vehicle-mounted unit |
| CN111861443A (en) * | 2020-06-24 | 2020-10-30 | 深圳华商云计算信息技术有限公司 | High-speed ETC truck white strip system |
| CN112419049A (en) * | 2020-12-08 | 2021-02-26 | 中国建设银行股份有限公司 | Quota determining method and device |
| CN112734979A (en) * | 2020-12-25 | 2021-04-30 | 广州市埃特斯通讯设备有限公司 | Front-mounted OBU (on-board unit) autonomous activation method |
-
2021
- 2021-08-04 CN CN202110892988.7A patent/CN114187670A/en active Pending
Patent Citations (6)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| KR20090001763A (en) * | 2007-05-18 | 2009-01-09 | 사단법인 금융결제원 | Payment service method for toll road passage money using bank account |
| CN203386245U (en) * | 2013-05-20 | 2014-01-08 | 北京速通科技有限公司 | Electronic toll collection (ETC) on board unit on-line issuing system combining mobile terminal |
| CN111291579A (en) * | 2018-12-06 | 2020-06-16 | 上海搜林信息技术有限公司 | Vehicle-mounted unit activation method, card reading device and vehicle-mounted unit |
| CN111861443A (en) * | 2020-06-24 | 2020-10-30 | 深圳华商云计算信息技术有限公司 | High-speed ETC truck white strip system |
| CN112419049A (en) * | 2020-12-08 | 2021-02-26 | 中国建设银行股份有限公司 | Quota determining method and device |
| CN112734979A (en) * | 2020-12-25 | 2021-04-30 | 广州市埃特斯通讯设备有限公司 | Front-mounted OBU (on-board unit) autonomous activation method |
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