CN115083027B

CN115083027B - Fee settlement method, system, computer device and storage medium

Info

Publication number: CN115083027B
Application number: CN202211004150.0A
Authority: CN
Inventors: 张民遐; 李秋明
Original assignee: Shenzhen Gaodeng Computer Technology Co ltd
Current assignee: Anhui Gaodeng Weixing Technology Co ltd
Priority date: 2022-08-22
Filing date: 2022-08-22
Publication date: 2022-11-18
Anticipated expiration: 2042-08-22
Also published as: CN115083027A

Abstract

The present application relates to a charge clearing method, system, computer device and storage medium. The method comprises the following steps: when a to-be-deducted order of a target vehicle is obtained, triggering an ETC road side unit to read unit information of an ETC vehicle-mounted unit in the target vehicle; the issuer in the unit information is used as a target clearing object of the order to be deducted, and a target issuer system corresponding to the target clearing object is determined; performing compliance verification on the unit information, and executing money deduction operation aiming at the order to be deducted after the compliance verification is passed to obtain order running water; feeding back the order flow to the target issuer system; the fed back order pipeline is used to trigger the target issuer system to liquidate the received order pipeline. The method improves the efficiency of cost liquidation.

Description

Fee settlement method, system, computer device and storage medium

Technical Field

The present application relates to the field of traffic information technology, and in particular, to a method, system, computer device, and storage medium for fare clearance.

Background

With the development of traffic information technology, a payment method, namely, ETC (electronic toll collection) is developed, in which a vehicle can automatically pay a fee without stopping the vehicle when passing through a toll station. Along with the gradual improvement of ETC lane coverage, ETC can provide more facilities for ETC user in the wide application of public service area, urban parking and other traffic fields.

At present, after receiving an order flow generated by vehicle consumption, an ETC can perform cross-regional summary on the order flow through a road network center and then distribute the order flow to ETCs in a local region for cost clearing. However, when the vehicle is consumed in a foreign area, the transmission chain for order pipelining between different areas is long, resulting in poor timeliness of fee deduction and clearing. Therefore, how to improve the efficiency of cost clearance is a problem to be solved.

Disclosure of Invention

In view of the above, it is necessary to provide a fee settlement method, a system, an apparatus, a computer device, and a storage medium capable of improving the fee settlement efficiency in view of the above-described technical problems.

In a first aspect, the present application provides a method of fee clearance. The method comprises the following steps:

when an order to be deducted of a target vehicle is acquired, triggering an ETC road side unit to read unit information of an ETC vehicle-mounted unit in the target vehicle; the unit information includes an issuer of the ETC in-vehicle unit;

taking the issuer as a target clearing object of the order to be deducted, and determining a target issuer system corresponding to the target clearing object;

performing compliance verification on the unit information, and executing money deduction operation aiming at the order to be deducted after the compliance verification is passed to obtain order flow;

feeding back the order to the target issuer system in a running manner; the fed back order pipeline is used for triggering the target issuer system to clear the received order pipeline.

In one embodiment, each of the issuers each corresponds to a different geographic area; the target issuer system is obtained by determining a target geographic area corresponding to the issuer; the target geographic area and the installation area of the ETC road side unit are different areas.

In one embodiment, before performing compliance verification on the unit information, the method further comprises: determining interface types corresponding to a plurality of issuer systems and communication protocols respectively required by each interface type; and establishing communication with the issuer system respectively through each communication protocol.

In one embodiment, the unit information includes an ETC identification and a debit card identification; the compliance verification of the unit information comprises the following steps: respectively judging whether the ETC vehicle-mounted unit corresponding to the ETC identification and the money deduction card corresponding to the money deduction card identification are in a usable state or not; when the ETC vehicle-mounted unit and the money deduction card are in an available state, carrying out blacklist verification on the ETC vehicle-mounted unit and the money deduction card to obtain a blacklist verification result; when the blacklist verification result is verification passing, performing deduction card verification on the deduction card to obtain a deduction card verification result, and taking the deduction card verification result as a compliance verification result; the method further comprises the following steps: and sending the deduction card identification to the target issuer system.

In one embodiment, the unit information includes a first usage time of the ETC on-board unit, a second usage time of the debit card, and an actual balance; judge respectively the ETC on-vehicle unit that the ETC sign corresponds whether the card of deducting that the card sign of deducting corresponds is available state, include: determining an initial state of the ETC vehicle-mounted unit and the amount of money to be deducted in the order to be deducted; when the initial state is an activated state, judging whether the ETC vehicle-mounted unit is in a usable state or not according to the first using time and preset first effective time; determining the initial state of the debit card according to the second using time and the preset second effective time; and when the initial state is available preliminarily, judging whether the debit card is in an available state or not according to the actual balance and the amount of money to be deducted.

In one embodiment, the blacklist verification of the ETC vehicle-mounted unit and the debit card to obtain a blacklist verification result includes: determining the current receiving time of the order to be deducted, and acquiring a first blacklist data table and a second blacklist data table according to the current receiving time; inquiring whether the ETC identification is listed in the first blacklist data table or not, and inquiring whether the deduction card identification is listed in the second blacklist data table or not; when the ETC identification is not included in the first blacklist data table and the deduction card identification is not included in the second blacklist data table, obtaining a blacklist verification result representing that the blacklist verification passes; and when the first blacklist data table comprises the ETC identification or the second blacklist data table comprises the deduction card identification, obtaining a blacklist verification result representing that blacklist verification fails.

In one embodiment, the performing debit card verification on the debit card to obtain a debit card verification result includes: receiving, by the target issuer system, a debit card identifier sent by the ETC payment system, and determining a key associated with the debit card identifier; analyzing the deduction card identification according to the key through the target issuer system to obtain authentication information associated with the deduction card identification; feeding the authentication information back to the ETC payment system; the authentication information is used for triggering the ETC payment system to obtain a deduction card verification result.

In one embodiment, the order pipeline includes a merchant identification; after the pipelining of the order to the target issuer system, the method further comprises: receiving the order assembly line sent by the ETC payment system through the target issuer system, and carrying out fee withholding on the amount in the order assembly line through a preset target account opening bank system to obtain withholding fee; the target account opening bank system is obtained by associating the debit card with the account opening bank system in advance; determining, by the target issuer system, a target clearing rule associated with the merchant identification; the target clearing rule includes at least one of a flat rate, and a periodic charging of a service fee; and clearing the withholding fee according to the target clearing rule through the target issuer system.

In one embodiment, clearing the surcharge fee according to a target clearing rule comprises: when the target clearing rule is the step rate, determining rates corresponding to different cost intervals respectively; determining a target expense interval to which the deduction fee belongs and a target rate corresponding to the target expense interval; obtaining a target settlement cost according to the product of the deduction cost and the target rate, wherein the method further comprises the following steps: and settling the target clearing fee to a merchant system corresponding to the merchant identifier.

In a second aspect, the present application also provides a fee clearing system. The system includes an ETC payment system; ETC payment system includes roadside unit control module, issuer route module, deducts money module and settlement module, wherein:

the roadside unit control module is used for triggering the ETC roadside unit to read unit information of an ETC vehicle-mounted unit in a target vehicle when a to-be-deducted payment order of the target vehicle is obtained; the unit information includes an issuer of the ETC in-vehicle unit;

the issuer routing module is used for taking the issuer as a target clearing object of the order to be deducted and determining a target issuer system corresponding to the target clearing object;

the deduction module is used for carrying out compliance verification on the unit information and executing deduction operation aiming at the order to be deducted after the compliance verification is passed so as to obtain an order flow;

the settlement module is used for feeding the order to the target issuer system in a running mode; the fed back order pipeline is used for triggering the target issuer system to clear the received order pipeline.

In a third aspect, the present application further provides a fee clearing device. The device comprises:

an order acquisition module: the method comprises the steps that when a to-be-deducted payment order of a target vehicle is obtained, an ETC road side unit is triggered to read unit information of an ETC vehicle-mounted unit in the target vehicle; the unit information includes an issuer of the ETC in-vehicle unit;

a compliance verification module: the target issuer system is used for taking the issuer as a target clearing object of the order to be deducted and determining the target clearing object; performing compliance verification on the unit information, and executing money deduction operation aiming at the order to be deducted after the compliance verification is passed to obtain order running water;

the clearing triggering module is used for feeding back the order to the target issuer system in a running mode; the fed back order pipeline is used for triggering the target issuer system to clear the received order pipeline.

In a fourth aspect, the present application further provides a computer device. The computer device comprises a memory storing a computer program and a processor implementing the following steps when executing the computer program:

performing compliance verification on the unit information, and executing money deduction operation aiming at the order to be deducted after the compliance verification is passed to obtain an order flow;

In a fifth aspect, the present application further provides a computer-readable storage medium. The computer-readable storage medium has stored thereon a computer program which, when executed by a processor, performs the steps of:

According to the expense settlement method, the expense settlement system, the expense settlement device, the computer equipment and the storage medium, when the to-be-deducted-money order of the target vehicle is obtained, the ETC road side unit is triggered to read the unit information of the ETC vehicle-mounted unit in the target vehicle, and then the issuer in the unit information is used as the target settlement object of the to-be-deducted-money order, so that the target issuer system corresponding to the target settlement object can be determined; and performing compliance verification on the unit information, and executing deduction operation aiming at the order to be deducted after the compliance verification is passed to obtain order flow, so that the order flow can be fed back to the target issuer system, and the target issuer system is triggered to clear the received order flow. According to the method, after the target clearing object is determined, clearing is carried out based on the target issuer system corresponding to the target clearing object, compared with the traditional mode that orders are aggregated across regions and then distributed to different regions, when compliance verification of unit information is passed, the target issuer system can be triggered to carry out clearing through order pipelining, so that the cost clearing efficiency is improved, and the time for clearing the cost to a merchant is greatly shortened.

Drawings

FIG. 1 is a diagram of an application environment of the fee settlement method in one embodiment;

FIG. 2 is a schematic flow chart diagram of a cost liquidation method in one embodiment;

FIG. 3 is a block diagram of the architecture of the issuer docking module in communication with an issuer system in one embodiment;

FIG. 4 is a block diagram of the ETC payment system in one embodiment;

FIG. 5 is a block diagram of the structure of a charge clearing system in one embodiment;

FIG. 6 is a schematic flow chart diagram of a charge clearing method in another embodiment;

FIG. 7 is a block diagram showing the construction of a charge settlement device in one embodiment;

FIG. 8 is a diagram of an internal structure of a computer device in one embodiment.

Detailed Description

In order to make the objects, technical solutions and advantages of the present application more clearly understood, the present application is further described in detail below with reference to the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are merely illustrative of the present application and are not intended to limit the present application.

The fee clearing method provided by the embodiment of the application can be applied to the application environment shown in fig. 1. The application environment includes a first terminal 102, a computer device 104, and a second terminal 106, where the first terminal 102 may be considered a merchant system, the computer device 104 may be considered an ETC payment system, the second terminal 106 may be considered an issuer system, the first terminal 102 may communicate with the computer device 104 via a network, and the computer device 104 may communicate with the second terminal 106 via the network. The first terminal 102 is used for sending a to-be-deducted money order generated during consumption of a target vehicle to the computer device 104, and the computer device 104 is used for triggering the ETC road side unit to read unit information of an ETC vehicle-mounted unit in the target vehicle when the to-be-deducted money order of the target vehicle is obtained; the issuer is used as a target clearing object of the order to be deducted, and a target issuer system corresponding to the target clearing object is determined; the computer device 104 is further configured to perform compliance verification on the unit information, execute a deduction operation for the order to be deducted after the compliance verification is passed, obtain an order flow, and further feed the order flow back to the second terminal 106 to trigger the second terminal 106 to perform clearing according to the received order flow. The computer device 104 may be a terminal or a server, and the terminal may be a tablet computer, a notebook computer, an intelligent car, an intelligent sound box, a cloud platform, and the like, but is not limited thereto. The server may be an independent physical server, or may be a server cluster or a distributed system formed by a plurality of physical servers.

In one embodiment, as shown in fig. 2, there is provided a fee settlement method, executed by an ETC payment system, which is described by taking the method as an example applied to a computer device in fig. 1, and includes the following steps:

step 202, when the to-be-deducted money order of the target vehicle is obtained, triggering the ETC road side unit to read unit information of the ETC vehicle-mounted unit in the target vehicle.

The ETC road side unit is a microwave transceiver installed at a designated position of a merchant, and can perform microwave communication with the ETC vehicle-mounted unit and read unit information of the ETC vehicle-mounted unit when a vehicle carrying the ETC vehicle-mounted unit approaches; merchants may include gas stations, parking lots, service areas, etc.; the ETC vehicle-mounted unit is generally provided with a deduction card capable of deducting money; the unit information describes all information related to the ETC on-board unit, and includes an issuer of the ETC on-board unit and the like.

Specifically, when a user drives a target vehicle to consume in a merchant, a merchant system where the merchant is located can identify the license plate number of the target vehicle through a camera and other identification devices, generate an order to be deducted by taking the license plate number as an identifier, and then send the order to be deducted to computer equipment, namely an ETC payment system. The sent order to be deducted can be regarded as an ETC payment application initiated to the ETC payment system. When the order to be deducted of the target vehicle is obtained, the target vehicle can be regarded as leaving the service area at the moment, and the gate of the service area door needs to be opened for releasing. Consequently, computer equipment need trigger the unit information that ETC roadside unit read the on-vehicle unit of ETC in the target vehicle, and then treat the deduction operation back that the deduction order was carried out according to the unit information, will deduct the money result and send the trade company's system at trade company place for the trade company opens the gate.

In one embodiment, the computer device may store the pending deducted money orders sent by different merchants in an order data storage module. The order data storage module can be regarded as an order cluster, and the order cluster can logically or physically integrate data with different sources and formats to realize unified management and sharing of the data, so that unified management on orders to be deducted from different merchants can be ensured.

In one embodiment, the computer device may treat the order in the order data storage module as a type of business data.

And 204, taking the issuer as a target clearing object of the order to be deducted, and determining a target issuer system corresponding to the target clearing object.

The clearing representation target clearing object collects and arranges a plurality of money amounts between the target clearing object and other transaction members.

Specifically, since the present ETC is operated in a regional manner in units of provinces, urban areas, and the like, and the issuer system thereof is also established in the regional operation, for example, a fee deduction running water generated by the ETC in-vehicle unit issued in a local area can be deducted only by a subordinate issuing channel in the local area, and therefore, the computer device needs to use the issuer system corresponding to the issuer of the ETC in-vehicle unit as a target issuer system corresponding to a target clearing object.

In one embodiment, each issuer corresponds to a different geographic region; the target issuer system is obtained by determining a target geographic area corresponding to an issuer; the target geographic area and the installation area of the ETC road side unit are different areas.

The geographic area can be divided into areas according to different provinces, urban areas and the like; the issuer systems for different issuers are typically not the same, nor are the geographic regions for the same. For example, although the installation area of the ETC roadside unit is a certain parking lot exit of province a, since the issuer of the ETC on-board unit of the target vehicle is province B, province B is regarded as a target clearing object, and the issuer system corresponding to province B is regarded as the target issuer system. Thus, a transaction pattern of who issues who deducts money is realized.

In one embodiment, before performing compliance verification on the unit information, the method further comprises: determining interface types corresponding to a plurality of issuer systems and communication protocols respectively required by each interface type; communication with each issuer system is established separately through each communication protocol.

The ETC payment system comprises an issuer docking module, wherein the issuer docking module comprises a plurality of issuer sub-modules, and communication protocols associated with different interface types are packaged in each issuer sub-module in advance. FIG. 3 is a block diagram of the issuer docking module in communication with an issuer system, as shown in FIG. 3.

Specifically, for each issuer system of the multiple issuer systems, when the computer device determines the interface type corresponding to the current issuer system, the target sub-module may be screened from the multiple issuer sub-modules according to the interface type, and then communication with the current issuer system is established through a communication protocol in the target sub-module. For example, if the interface type of the issuer system 1 is M, and the communication protocol M associated with the interface type M is encapsulated in the issuer sub-module a, the issuer sub-module a can be regarded as the target sub-module, and communication between the issuer systems 1 can be established.

And step 206, performing compliance verification on the unit information, and executing a deduction operation for the order to be deducted after the compliance verification is passed, so as to obtain an order flow.

The unit information comprises an ETC identification and a deduction card identification; the ETC identification is an identification corresponding to the ETC vehicle-mounted unit; the compliance verification includes at least one of an availability verification, a blacklist verification, and a deduction verification.

In one embodiment, the compliance verification of the unit information comprises: respectively judging whether the ETC vehicle-mounted unit corresponding to the ETC identification and the money deduction card corresponding to the money deduction card identification are in an available state; when the ETC vehicle-mounted unit and the money deduction card are in an available state, carrying out blacklist verification on the ETC vehicle-mounted unit and the money deduction card to obtain a blacklist verification result; and when the blacklist verification result is that the verification passes, performing deduction card verification on the deduction card to obtain a deduction card verification result, and taking the deduction card verification result as a compliance verification result.

Specifically, the computer device respectively performs availability verification on the ETC vehicle-mounted unit and the money deducting card, and when the verification results of the availability verification of the ETC vehicle-mounted unit and the money deducting card are both in an available state, namely whether the ETC vehicle-mounted unit and the money deducting card are both in an effective time or not, the computer device respectively performs blacklist verification on the money deducting card and the ETC vehicle-mounted unit to obtain a blacklist verification result. And when the blacklist verification result of the debit card and the blacklist verification result of the debit card are both verified, the computer equipment carries out debit card verification on the debit card to obtain a debit card verification result. When the deduction card verification result is verification passing, the computer equipment acquires authentication information from the target issuer system, and takes the deduction card verification result carrying the authentication information as a compliance verification result; and when the deduction card verification result is that the verification fails, directly taking the deduction card verification result as a compliance verification result. The authentication information is characterized as permission information which can access the deduction card.

In one embodiment, the computer device sends the debit card identification to the target issuer system. And the target issuer system determines the authentication information according to the deduction card identification.

Furthermore, as the compliance verification result passing the compliance verification comprises the authentication information, the computer equipment can use the authentication information to access the money deduction card corresponding to the money deduction card identifier and carry out money deduction operation according to the money amount to be deducted in the order to be deducted, so as to obtain the money deduction result. The deduction result is usually presented in a form of order flow.

In one embodiment, the computer device may store the order pipeline in a deduction pipeline storage module. The computer device may view the streamlining in the deduction streamlining storage module as a type of financial data.

Step 206, feeding back the order to the target issuer system in a running water manner; the fed back order pipeline is used to trigger the target issuer system to liquidate the received order pipeline.

In one embodiment, the computer device triggers the target issuer system through the order pipeline when feeding back the order pipeline to the target issuer system.

The target issuer system is pre-stored with a plurality of clearing rules, and different clearing operations can be executed on the order flow through different clearing rules. For example, the amount of money in the order flow in a first preset proportion is regarded as a first clearing fee and the first clearing fee is settled to the merchant, and meanwhile, the amount of money in the order flow in a second preset proportion is regarded as a second clearing fee and the second clearing fee is settled to the issuer corresponding to the target issuer system. As another example, all amounts in the order flow are directly settled to the merchant.

In the expense clearing method, when the to-be-deducted order of the target vehicle is obtained, the ETC road side unit is triggered to read the unit information of the ETC vehicle-mounted unit in the target vehicle, and then the issuer in the unit information is used as the target clearing object of the to-be-deducted order, so that the target issuer system corresponding to the target clearing object can be determined; and performing the deduction operation for the order to be deducted after the compliance verification of the unit information is passed to obtain the order flow, so that the order flow can be fed back to the target issuer system, and the target issuer system is triggered to clear the received order flow. According to the method and the system, after the target clearing object is determined, clearing is carried out based on the target issuer system corresponding to the target clearing object, compared with the traditional mode that the order flow is aggregated across areas and then distributed to different areas, when compliance verification of unit information is passed, the target issuer system can be triggered through the order flow, so that the cost clearing efficiency is improved, and the time for settling the cost to a merchant is greatly shortened.

In one embodiment, judge respectively that the ETC on-vehicle unit that the ETC sign corresponds, deduct the money card that the money card sign corresponds and whether be available state, include: determining an initial state of the ETC vehicle-mounted unit and the amount of money to be deducted in the order to be deducted; when the initial state is the activated state, judging whether the ETC vehicle-mounted unit is in the available state or not according to the first use time and the preset first effective time; determining the initial state of the debit card according to the second use time and the preset second effective time; and when the initial state is available preliminarily, judging whether the debit card is in an available state or not according to the actual balance and the amount of money to be deducted.

Wherein, after the user installed the on-vehicle unit of ETC on vehicle windshield, the initial condition of the on-vehicle unit of ETC usually is for waiting the activation state, then registers and activates the on-vehicle unit of ETC this moment, and the on-vehicle unit of ETC after only activating could respond to ETC payment system's deduction operation.

The unit information comprises first use time of the ETC vehicle-mounted unit, second use time of the debit card and actual balance; the preset first effective time is preset usable time after the ETC vehicle-mounted unit leaves a factory, for example, ten years, when the usable time exceeds the preset usable time, the ETC vehicle-mounted unit needs to be registered and activated again, otherwise, the ETC vehicle-mounted unit cannot be used again; similarly, the preset second valid time is preset usable time of the debit card after leaving a factory. The first use time is the actual use time of the ETC vehicle-mounted unit after the ETC vehicle-mounted unit leaves a factory, and is used for two years for example; similarly, the second use time is the actual use time of the debit card after the debit card leaves the factory.

Specifically, when the initial state of the ETC vehicle-mounted unit is determined to be the activated state, the computer equipment determines whether the first use time is less than or equal to preset first effective time, and if yes, the ETC vehicle-mounted unit is determined to be the available state. For example, an effective time of less than ten years for two years of use is determined. And when the ETC vehicle-mounted unit is in an activated state, the computer equipment determines whether the second use time is less than or equal to a preset second effective time, and if so, determines that the initial state of the debit card is preliminarily available. And the computer equipment determines whether the amount of money to be deducted in the order to be deducted is less than or equal to the actual balance of the deduction card, and if so, the deduction card is determined to be in a usable state.

In the embodiment, the first service time and the first effective time of the ETC vehicle-mounted unit are compared, and the second service time and the second effective time of the deduction card are compared, so that the available states of the ETC vehicle-mounted unit and the deduction card can be accurately obtained, and the accuracy of blacklist verification on the ETC vehicle-mounted unit and the deduction card in the follow-up process is ensured.

In one embodiment, the blacklist verification of the ETC vehicle-mounted unit and the deduction card to obtain a blacklist verification result comprises the following steps: determining the current receiving time of the order to be deducted, and acquiring a first blacklist data table and a second blacklist data table according to the current receiving time; inquiring whether the ETC identification is listed in a first blacklist data table or not and inquiring whether the deduction card identification is listed in a second blacklist data table or not; when the first blacklist data table does not comprise the ETC identification and the second blacklist data table does not comprise the deduction card identification, obtaining a blacklist verification result representing that the blacklist passes verification; and when the first blacklist data table comprises the ETC identification or the second blacklist data table comprises the deduction card identification, obtaining a blacklist verification result representing that the blacklist verification fails.

The current receiving time is the time when the computer equipment receives the order to be deducted in real time, namely the time corresponding to the national time service center standard time in real time. The first blacklist data table is an ETC vehicle-mounted unit listed in a blacklist, the first blacklist data table comprises a full data table and an incremental data table, the full data table can indicate all data in the whole preset period, and the incremental data table can indicate data which changes in real time at a certain moment in the period or a certain moment after the period; the second blacklist data table is a deduction card listed in a blacklist, and the second blacklist data table also comprises a full data table and an increment data table. The first blacklist data table and the second blacklist data table are typically stored in a blacklist system of the issuer system.

Specifically, the computer device obtains the first blacklist data table and the second blacklist data table according to the current receiving time of the received order to be deducted, for example, if the current receiving time is 1 month, 2 days, 10 am, and the preset period of the full data table is one day, therefore, the full data table in the first blacklist data table includes all blacklist users nationwide within 1 month, 1 day, and the incremental data table in the first blacklist data table includes blacklist users nationwide increased in real time from 0 point to 10 am on 1 month, 2 days. The computer equipment inquires the ETC identification from the first blacklist data table and inquires the deduction card identification from the second blacklist data table respectively, and if the ETC identification is not inquired in the first blacklist data table and the deduction card identification is not inquired in the second blacklist data table, the blacklist verification result is obtained and is passed; otherwise, the blacklist verification result is obtained and is that the verification is not passed.

In this embodiment, because the first blacklist data table and the second blacklist data table are both the comprehensive incremental data table on the basis of the full data table, dynamic acquisition of the blacklist data table is realized, the situation of error verification caused by updating of the blacklist is avoided, and the blacklist verification can be performed on the ETC vehicle-mounted unit and the debit card respectively in a targeted manner, so that the accuracy of the blacklist verification is improved.

In one embodiment, the deduction card verification is performed on the deduction card, and a deduction card verification result is obtained, including: receiving a deduction card identification sent by the ETC payment system through a target issuer system, and determining a key associated with the deduction card identification; analyzing the deduction card identification according to the key through the target issuer system to obtain authentication information associated with the deduction card identification; the authentication information is fed back to the ETC payment system; the authentication information is used for triggering the ETC payment system to obtain a deduction card verification result.

Specifically, because the target issuer system includes a key system, and keys corresponding to different debit card identifiers are prestored in the key system, when the target issuer system receives the debit card identifier sent by the ETC payment system, a key associated with the debit card identifier can be obtained from the key system, and the debit card identifier is decrypted or analyzed through the key to obtain authentication information associated with the debit card identifier, where the authentication information is an authentication code calculated through the key in the key system. And only after the authentication information associated with the deduction card identification is acquired, the deduction card verification result carrying the authentication information can be used as verification pass.

In one embodiment, the target issuer system returns the authentication information to the computer device, i.e., the ETC payment system, so that the computer device obtains the debit card verification result according to the authentication information.

In the embodiment, the debit card is verified through the key, so that the account safety of the user is ensured, and the accuracy of the compliance verification of the unit information is further ensured because the debit card verification result is used as the compliance verification result.

In one embodiment, the order running water sent by the ETC payment system is received through the target issuer system, and the fee withholding is carried out on the amount in the order running water through the preset target account opening bank system, so that withholding fee is obtained; determining, by the target issuer system, a target clearing rule associated with the merchant identification; and clearing the withholding fee according to the target clearing rule through the target issuer system.

The target account opening bank system is obtained by associating the debit card with the account opening bank system in advance, and the target account opening bank system is also a subordinate issuing channel of the target issuer system, such as a certain bank channel. The order pipeline includes a merchant identification. The target clearing rule includes at least one of a flat rate, and a periodic charging of a service fee; the fixed rate representation calculates the total withholding cost according to a certain preset proportion to calculate the clearing cost rule; the step rate represents a rule for calculating the clearing cost according to different preset proportions corresponding to the cost interval after the cost interval to which the deduction cost belongs is determined; the periodic charging of the service fee represents a rule for deducting a preset service fee from a total withholding fee for a preset time.

Specifically, when the target account opening bank system is a certain bank channel, it indicates that the debit card is bound with the certain bank channel, so that the target issuer system can deduct the fee from the bound account according to the amount of money in the order flow through the preset target account opening bank system to obtain the deduction fee. The target issuer system orders the merchant identification in the flow, can determine a target clearing rule associated with the merchant identification, and then clears the surcharge according to the target clearing rule.

In one embodiment, the computer device obtains the clearing rule associated with each merchant identifier in advance by associating and configuring the merchant identifier and the corresponding clearing rule.

In one embodiment, clearing the surcharge fee according to the target clearing rule comprises: when the target clearing rule is a step rate, determining rates corresponding to different cost intervals respectively; determining a target cost interval to which the deduction fee belongs and a target rate corresponding to the target cost interval; and obtaining the target clearing cost according to the product of the deduction cost and the target rate.

The clearing rule corresponding to the stepped rate includes a plurality of rate intervals and a rate corresponding to each rate interval, for example, the rate corresponding to the rate interval [0,500] is 80%, and the rate corresponding to the rate interval [500,1000] is 90%.

Specifically, the target issuer system determines a target cost interval to which the surcharge belongs, such as 600, and determines a cost interval [500,1000] to which the target rate is 80%, and thus determines a product of the surcharge and the target rate as 480, and thus takes 480 as the target liquidation cost, where the target liquidation cost characterizes the liquidation cost associated with the merchant identification.

In one embodiment, the target issuer system determines an additional clearing fee associated with the issuer based on the surcharge fee and the target clearing fee. Namely, the difference value between the deduction cost and the target clearing cost is determined, and the difference value is used as the additional clearing cost.

In one embodiment, when the target clearing rule is a scheduled charging service fee, the target issuer system determines a plurality of deduction fees within a preset charging time, and superimposes the plurality of deduction fees to obtain a total deduction fee. And the target issuer system obtains the target clearing cost according to the preset service cost and the total withholding cost, namely, the preset service cost is deducted from the total withholding cost to obtain the target clearing cost.

In one embodiment, the target issuer system settles the target clearing fee to the merchant system corresponding to the merchant identification; the additional settlement fee or the preset service fee is settled to the issuer of the ETC on-board unit.

In the embodiment, when the deduction fee is obtained through the preset target account opening system and the target clearing rule associated with the merchant identifier is determined, the deduction fee is cleared according to different target clearing rules, so that the flexibility of fee clearing is improved, and the purpose of purposefully settling different target clearing fees to the merchant system is achieved because the clearing rules corresponding to different merchants are not necessarily the same.

In one embodiment, after the target issuer system clears the received order flow, the computer device needs to perform a data verification process on the order flow, wherein the data verification process refers to a process of rechecking the transaction order after the transaction order is completed, and if the verification is correct, the transaction order is cancelled, and if the verification is incorrect, the specific order details need to be further checked.

Specifically, the computer equipment acquires at least one piece of data to be checked and cancelled, wherein field information of the data to be checked and cancelled comprises a key field and a comparison field; the data to be checked and sold comprises at least one of business data and financial data, the business data is an order in the order data storage module, and the financial data is a flow in the deduction flow storage module. The computer equipment determines a target verification and cancellation data source corresponding to each piece of to-be-verified and cancelled data, when the to-be-verified and cancelled data are business data, the deduction streamline storage module can be used as the target verification and cancellation data source, and when the to-be-verified and cancelled data are financial data, the order data storage module can be used as the target verification and cancellation data source. And performing cancel verification processing on the data to be cancelled and verified based on the target cancel and verification data source according to the field information of the data to be cancelled and verified.

Further, the key field in the field information may be predefined by the user, for example, the key field may be at least one of an order number, a serial number and a score number, and the comparison field may be a transaction amount. And the computer equipment searches candidate data with the same key field from a target verification and cancellation data source according to the key field of the data to be verified and cancelled, if the comparison field of the candidate data is the same as the comparison field of the data to be verified and cancelled, the verification and cancellation results corresponding to the candidate data and the data to be verified and cancelled are determined to be the same, and at the moment, verified and cancelled character patterns are assigned to the fields of the verification and cancellation states corresponding to the candidate data and the data to be verified and cancelled.

In one embodiment, the computer device may include a temporary storage database and a highly fault-tolerant Distributed File System, where the temporary storage database is used to store data to be checked and sold collected within a preset time period, and the Distributed File System may be an HDFS (Hadoop Distributed File System). The data to be subjected to cancel verification in the temporary storage database can be imported into the distributed file system through an open source tool (SQOOP component), so that the data to be subjected to cancel verification can be subjected to cancel verification processing through the distributed file system.

In one embodiment, in the process of data verification and cancellation, data to be verified and cancelled are stored in the distributed file system, and the storage files of the distributed file system adopt fragments and multiple local mechanisms, so that the data reading and writing efficiency is effectively improved, and the data security is improved by the multiple local mechanisms. The distributed file system in the computer equipment can convert the data to be verified and cancelled successfully into a settlement table and store the settlement table.

In the embodiment, the verification and cancellation states of the business data and the financial data can be accurately determined according to the key fields and the comparison fields in the data to be verified and cancelled, the accuracy of verification and cancellation result determination is improved, a large amount of data can be calculated and processed through the distributed file system, and the processing efficiency of the data to be verified and cancelled is improved. Meanwhile, the data verification is a process for checking the details of the specific order, so that the verification of the expense clearing process can be realized according to the verification result.

In one embodiment, the fee settlement system in the present application includes an ETC payment system, as shown in fig. 4, and fig. 4 is a block diagram of the structure of the ETC payment system. ETC payment system includes roadside unit control module, issuer route module, deducts money module and settlement module, wherein: the roadside unit control module is used for triggering the ETC roadside unit to read unit information of an ETC vehicle-mounted unit in the target vehicle when a to-be-deducted money order of the target vehicle is obtained; the unit information includes an issuer of the ETC in-vehicle unit; the issuer routing module is used for taking an issuer as a target clearing object of the order to be deducted and determining a target issuer system corresponding to the target clearing object; the deduction module is used for carrying out compliance verification on the unit information and executing deduction operation aiming at the order to be deducted after the compliance verification is passed so as to obtain order flow; the clearing module is used for feeding back the order flow to the target issuer system; the fed back order pipeline is used to trigger the target issuer system to liquidate the received order pipeline.

The roadside unit control module interacts with the ETC roadside unit and can control the ETC roadside unit to read unit information in a target vehicle. The deduction module needs to interact with a target issuer system in the process of performing compliance verification on the unit information, and then a compliance verification result can be obtained. The ETC payment system may refer to the above-described embodiment of the fee settlement method when acquiring the to-be-deducted order of the target vehicle until a specific process of feeding back the order to the target issuer system in a running manner, and the embodiment of the present application is not described herein again.

In one embodiment, the ETC payment system further comprises an order processing module, a blacklist module, an issuer docking module, an order pipelining storage module, a blacklist storage module, and an order data storage module, as shown with reference to fig. 4, wherein:

an order processing module: the system is used for interacting with a merchant system, receiving an order to be deducted from money sent by the merchant system and storing the order to be deducted from money through an order data storage module; and when the ETC payment system carries out the deduction operation process, returning the deduction result to the merchant system.

And the blacklist module is used for interacting with a blacklist system in the issuer system, acquiring a first blacklist data table and a second blacklist data table provided by the blacklist system, and storing the first blacklist data table and the second blacklist data table to the blacklist storage module.

And the issuer docking module is used for providing an interactive interface to dock issuer systems corresponding to different geographic areas respectively.

And the order flow storage module is used for storing a plurality of order flows obtained after deduction operation is carried out according to a plurality of orders to be deducted sent by the merchant system.

In one embodiment, as shown in FIG. 5, a block diagram of a fee clearing system is provided, the fee clearing system including a merchant system and a target issuer system; the target issuer system includes a blacklist system, a key system and a clearing and settlement system, wherein: the system comprises a merchant system, an ETC payment system and a payment management system, wherein the merchant system is used for sending a to-be-deducted payment order generated when a target vehicle consumes to the ETC payment system; the blacklist system is used for providing a first blacklist data table and a second blacklist data table required when the ETC vehicle-mounted unit and the deduction card are subjected to blacklist verification; the key system is used for providing a key required by the deduction card verification of the deduction card and providing authentication information associated with the deduction card identification; and the clearing and settlement system is used for receiving the order flow fed back by the ETC payment system and clearing according to the order flow.

The merchant system can comprise a gas station zero-pipe system, a parking lot charging system, a service area application system and the like. When the ETC payment system carries out compliance verification on the unit information, the ETC payment system needs to interact with the blacklist system and the key system to obtain a compliance verification result. And the clearing and settling system settles the withholding fee to the merchant system in the clearing process of the order flow.

In one embodiment, as shown in FIG. 6, a flow diagram of another fee clearing method is provided. S601: the user completes consumption in merchants such as a gas station, a parking lot and a service area; s602: the merchant system generates a to-be-deducted order by taking the license plate number as an identifier and pushes the to-be-deducted order to the ETC payment system; s603: an order processing module in the ETC payment system receives an order to be deducted and stores the order in an order data storage module; s604: the ETC payment system triggers an ETC roadside unit to read unit information of an ETC vehicle-mounted unit in the target vehicle; s605: the issuer routing module takes the issuer in the unit information as a target clearing object and determines a target issuer system corresponding to the target clearing object; s606: the availability of the ETC vehicle-mounted unit and the deduction card is judged through the deduction module; s607: whether the ETC vehicle-mounted unit and the deduction card are listed on a blacklist or not is confirmed through a blacklist module; s608: performing deduction card verification on the deduction card through a key system in a target issuer system, and acquiring authentication information; s609: the deduction module executes the deduction operation of the order to be deducted according to the authentication information to obtain an order streamline, and stores the order streamline in the order streamline storage module; s610: sending the order streamline to a settlement system in the target issuer system; s611: returning a deduction result corresponding to the order flow to a merchant system through an order processing module in the ETC payment system; s612: the gate is opened by the merchant, so that the user drives the target vehicle to leave; s613: the target issuer system sends the order flow to subordinate issuing channels, namely a preset target account opening bank system; s614: the subordinate issuing channel carries out fee deduction on the amount of money in the order flow and informs the user by short messages; s615: the target issuer system settles the surcharge to the merchant system.

It should be understood that, although the steps in the flowcharts related to the embodiments are shown in sequence as indicated by the arrows, the steps are not necessarily executed in sequence as indicated by the arrows. The steps are not limited to being performed in the exact order illustrated and, unless explicitly stated herein, may be performed in other orders. Moreover, at least a part of the steps in the flowcharts related to the above embodiments may include multiple steps or multiple stages, which are not necessarily performed at the same time, but may be performed at different times, and the order of performing the steps or stages is not necessarily sequential, but may be performed alternately or alternately with other steps or at least a part of the steps or stages in other steps.

Based on the same inventive concept, the embodiment of the application also provides a charge clearing device for realizing the charge clearing method. The solution to the problem provided by the device is similar to the solution described in the above method, so the specific limitations in one or more embodiments of the fee clearing device provided below can be referred to the limitations of the fee clearing method in the above, and are not described herein again.

In one embodiment, as shown in FIG. 7, there is provided a charge clearing device 700 comprising: an order acquisition module 702, a compliance verification module 704, and a clearing trigger module 706, wherein:

the order acquisition module 702: and the unit information of the ETC vehicle-mounted unit in the target vehicle is read by triggering the ETC road side unit when the to-be-deducted payment order of the target vehicle is obtained.

Compliance verification module 704: the system comprises a target issuer system, a payment system and a payment system, wherein the target issuer system is used for taking an issuer as a target clearing object of an order to be deducted and determining the target issuer system corresponding to the target clearing object; and performing compliance verification on the unit information, and executing money deduction operation aiming at the order to be deducted after the compliance verification is passed, so as to obtain the order flow.

A clearing trigger module 706 for feeding back the order pipelining to the target issuer system; the fed back order pipeline is used to trigger the target issuer system to liquidate the received order pipeline.

In one embodiment, the fee clearing apparatus 700 further comprises a communication connection module 708 for determining the interface types corresponding to the plurality of issuer systems and the communication protocols respectively required for each interface type; communication with the issuer system is established separately through each communication protocol.

In one embodiment, the compliance verification module 704 is further configured to respectively determine whether the on-board unit of the ETC corresponding to the ETC identifier and the debit card corresponding to the debit card identifier are in a usable state; when the ETC vehicle-mounted unit and the money deduction card are in an available state, carrying out blacklist verification on the ETC vehicle-mounted unit and the money deduction card to obtain a blacklist verification result; when the blacklist verification result is that the verification is passed, performing debit card verification on the debit card to obtain a debit card verification result, and taking the debit card verification result as a compliance verification result; the method further comprises the following steps: and sending the deduction card identification to the target issuer system.

In one embodiment, the compliance verification module 704 includes an availability verification module 7041, configured to determine whether the on-board unit of the ETC corresponding to the ETC identifier and the debit card corresponding to the debit card identifier are available, respectively, including: determining an initial state of the ETC vehicle-mounted unit and the amount of money to be deducted in the order to be deducted; when the initial state is the activated state, judging whether the ETC vehicle-mounted unit is in the available state or not according to the first use time and the preset first effective time; determining the initial state of the debit card according to the second using time and the preset second effective time; and when the initial state is the initial available state, judging whether the debit card is in the available state or not according to the actual balance and the amount of money to be deducted.

In one embodiment, the compliance verification module 704 includes a blacklist verification module 7042, configured to determine a current receiving time when the to-be-deducted-money order is received, and obtain a first blacklist data table and a second blacklist data table according to the current receiving time; inquiring whether the ETC identification is listed in a first blacklist data table or not, and inquiring whether the deduction card identification is listed in a second blacklist data table or not; when the first blacklist data table does not include the ETC identification and the second blacklist data table does not include the deduction card identification, obtaining a blacklist verification result representing that the blacklist verification passes; and when the first blacklist data table comprises the ETC identification or the second blacklist data table comprises the deduction card identification, obtaining a blacklist verification result representing that the blacklist verification fails.

In one embodiment, the compliance verification module 704 includes a debit card verification module 7043 for receiving, by the target issuer system, a debit card identification sent by the ETC payment system and determining a key associated with the debit card identification; analyzing the deduction card identification according to the key through the target issuer system to obtain authentication information associated with the deduction card identification; feeding back the authentication information to the ETC payment system; the authentication information is used for triggering the ETC payment system to obtain a deduction card verification result.

In one embodiment, the clearing triggering module 706 is further configured to receive, through the target issuer system, the order assembly sent by the ETC payment system, and perform fee withholding on the amount in the order assembly through a preset target account opening system to obtain a withholding fee; the target account opening bank system is obtained by associating the debit card with the account opening bank system in advance; determining, by the target issuer system, a target clearing rule associated with the merchant identification; the target clearing rule includes at least one of a flat rate, and a periodic charging of a service fee; and clearing the deduction fee according to the target clearing rule through the target issuer system.

In one embodiment, the clearing triggering module 706 is further configured to determine respective rates corresponding to different charge intervals when the target clearing rule is a step rate; determining a target cost interval to which the deduction fee belongs and a target rate corresponding to the target cost interval; obtaining a target clearing charge according to the product of the deduction charge and the target rate; the method further includes settling the target clearing fee to a merchant system corresponding to the merchant identifier.

The various modules in the fare clearance device described above may be implemented in whole or in part by software, hardware, and combinations thereof. The modules can be embedded in a hardware form or independent from a processor in the computer device, and can also be stored in a memory in the computer device in a software form, so that the processor can call and execute operations corresponding to the modules.

In one embodiment, a computer device is provided, which may be a server, and its internal structure diagram may be as shown in fig. 8. The computer device comprises a processor, a memory, an Input/Output (I/O) interface and a communication interface. The processor, the memory and the input/output interface are connected through a system bus, and the communication interface is connected to the system bus through the input/output interface. Wherein the processor of the computer device is configured to provide computing and control capabilities. The memory of the computer device includes a non-volatile storage medium and an internal memory. The non-volatile storage medium stores an operating system, a computer program, and a database. The internal memory provides an environment for the operation of an operating system and computer programs in the non-volatile storage medium. The database of the computer device is used for storing order data to be paid. The input/output interface of the computer device is used for exchanging information between the processor and an external device. The communication interface of the computer device is used for connecting and communicating with an external terminal through a network. The computer program is executed by a processor to implement a charge clearing method.

It will be appreciated by those skilled in the art that the configuration shown in fig. 8 is a block diagram of only a portion of the configuration associated with the present application, and is not intended to limit the computing device to which the present application may be applied, and that a particular computing device may include more or less components than those shown, or may combine certain components, or have a different arrangement of components.

In one embodiment, a computer device is further provided, which includes a memory and a processor, the memory stores a computer program, and the processor implements the steps of the above method embodiments when executing the computer program.

In an embodiment, a computer-readable storage medium is provided, in which a computer program is stored which, when being executed by a processor, carries out the steps of the above-mentioned method embodiments.

It will be understood by those skilled in the art that all or part of the processes of the methods of the embodiments described above may be implemented by hardware that is instructed by a computer program, and the computer program may be stored in a non-volatile computer-readable storage medium, and when executed, may include the processes of the embodiments of the methods described above. Any reference to memory, database, or other medium used in the embodiments provided herein may include at least one of non-volatile and volatile memory. The nonvolatile Memory may include Read-Only Memory (ROM), magnetic tape, floppy disk, flash Memory, optical Memory, high-density embedded nonvolatile Memory, resistive Random Access Memory (ReRAM), magnetic Random Access Memory (MRAM), ferroelectric Random Access Memory (FRAM), phase Change Memory (PCM), graphene Memory, and the like. Volatile Memory can include Random Access Memory (RAM), external cache Memory, and the like. By way of illustration and not limitation, RAM can take many forms, such as Static Random Access Memory (SRAM) or Dynamic Random Access Memory (DRAM), among others. The databases involved in the embodiments provided herein may include at least one of relational and non-relational databases. The non-relational database may include, but is not limited to, a block chain based distributed database, and the like. The processors referred to in the embodiments provided herein may be general purpose processors, central processing units, graphics processors, digital signal processors, programmable logic devices, quantum computing based data processing logic devices, etc., without limitation.

All possible combinations of the technical features in the above embodiments may not be described for the sake of brevity, but should be considered as being within the scope of the present disclosure as long as there is no contradiction between the combinations of the technical features.

The above examples only express several embodiments of the present application, and the description thereof is more specific and detailed, but not to be construed as limiting the scope of the present application. It should be noted that, for a person skilled in the art, several variations and modifications can be made without departing from the concept of the present application, and these are all within the scope of protection of the present application. Therefore, the protection scope of the present application shall be subject to the appended claims.

Claims

1. A method of fee clearance, the method comprising an ETC payment system and a plurality of issuer systems, the issuers of each of the issuer systems each corresponding to a different geographical area; the method is performed by an ETC payment system, the method comprising:

when an order to be deducted of a target vehicle is acquired, triggering an ETC road side unit to read unit information of an ETC vehicle-mounted unit in the target vehicle; the unit information comprises an issuer and a first use time of the ETC vehicle-mounted unit, a second use time and an actual balance of a deduction card, an ETC identification and a deduction card identification;

taking an issuer of the ETC vehicle-mounted unit as a target clearing object of the order to be deducted, and determining a target issuer system corresponding to the target clearing object; the target issuer system is obtained by determining a target geographic area corresponding to an issuer of the ETC vehicle-mounted unit; the target geographic area and the installation area of the ETC road side unit are different areas;

determining an initial state of the ETC vehicle-mounted unit and the amount of money to be deducted in the order to be deducted;

when the initial state is an activated state, judging whether the ETC vehicle-mounted unit is in a usable state or not according to the first using time and preset first effective time;

determining the initial state of the debit card according to the second using time and the preset second effective time;

when the initial state of the deduction card is preliminarily available, judging whether the deduction card is available according to the actual balance and the amount of money to be deducted;

when the ETC vehicle-mounted unit and the deduction card are both in a usable state, determining the current receiving time of the order to be deducted, and acquiring a first blacklist data table and a second blacklist data table according to the current receiving time;

inquiring whether the ETC identification is listed in the first blacklist data table or not, and inquiring whether the deduction card identification is listed in the second blacklist data table or not;

when the ETC identification is not included in the first blacklist data table and the deduction card identification is not included in the second blacklist data table, obtaining a blacklist verification result representing that the blacklist verification passes;

when the first blacklist data table comprises the ETC identification or the second blacklist data table comprises the deduction card identification, obtaining a blacklist verification result representing that the blacklist verification fails;

when the blacklist verification result is that the verification is passed, the deduction card identification is sent to the target issuer system; the sent deduction card identification is received by the target issuer system and is used for determining a key associated with the deduction card identification, and analyzing the deduction card identification according to the key to obtain authentication information associated with the deduction card identification;

acquiring the authentication information fed back by the target issuer system; the authentication information is used for triggering the ETC payment system to obtain a deduction card verification result;

taking the deduction card verification result as a compliance verification result, and executing deduction operation aiming at the order to be deducted after compliance verification is passed to obtain an order flow;

feeding back the order to the target issuer system in a running manner; the fed order assembly line is used for triggering the target issuing system to carry out clearing on the received order assembly line so as to obtain target clearing cost corresponding to the target issuing system in the target geographic area; and the target clearing cost is used for settling to a merchant system corresponding to the installation area of the ETC road side unit.

2. The method according to claim 1, wherein prior to said determining an initial state of the ETC on-board unit and an amount to be deducted from the payment order, the method further comprises:

determining interface types corresponding to a plurality of issuer systems and communication protocols respectively required by each interface type;

establishing communication with each of the issuer systems via each of the communication protocols, respectively.

3. The method of claim 1, wherein the order pipeline includes a merchant identification; after the pipelining of the order to the target issuer system, the method further comprises:

receiving the order assembly line sent by the ETC payment system through the target issuer system, and carrying out fee withholding on the amount in the order assembly line through a preset target account opening bank system to obtain withholding fee; the target account opening bank system is obtained by associating the debit card with the account opening bank system in advance;

determining, by the target issuer system, a target clearing rule associated with the merchant identification; the target clearing rule includes at least one of a flat rate, and a periodic charging of a service fee;

and clearing the deduction fee according to a target clearing rule through the target issuer system.

4. The method of claim 3, wherein said clearing said surcharge in accordance with target clearing rules comprises:

when the target clearing rule is a step rate, determining rates corresponding to different cost intervals respectively;

determining a target expense interval to which the deduction fee belongs and a target rate corresponding to the target expense interval;

obtaining a target clearing charge according to the product of the deduction charge and the target rate;

the method further comprises the following steps:

and settling the target clearing fee to a merchant system corresponding to the merchant identifier.

5. A fare clearing system comprising an ETC payment system, a plurality of issuer systems, the issuers of each of which correspond to different geographical regions; ETC payment system includes roadside unit control module, distributor route module, deducts money module and settlement module, wherein:

the roadside unit control module is used for triggering the ETC roadside unit to read unit information of an ETC vehicle-mounted unit in the target vehicle when a to-be-deducted payment order of the target vehicle is obtained; the unit information comprises an issuer and first use time of the ETC vehicle-mounted unit, second use time and actual balance of a deduction card, an ETC identification and a deduction card identification;

the issuer routing module is used for taking an issuer of the ETC vehicle-mounted unit as a target clearing object of the order to be deducted and determining a target issuer system corresponding to the target clearing object; the target issuer system is obtained by determining a target geographic area corresponding to an issuer of the ETC vehicle-mounted unit; the target geographic area and the installation area of the ETC road side unit are different areas;

the deduction module is used for determining the initial state of the ETC vehicle-mounted unit and the amount of money to be deducted in the order to be deducted; when the initial state is the activated state, judging whether the ETC vehicle-mounted unit is in a usable state or not according to the first using time and preset first effective time; determining the initial state of the debit card according to the second using time and the preset second effective time; when the initial state of the deduction card is preliminary available, judging whether the deduction card is in an available state or not according to the actual balance and the amount of money to be deducted; when the ETC vehicle-mounted unit and the money deducting card are both in a usable state, determining the current receiving time of the order to be deducted, and acquiring a first blacklist data table and a second blacklist data table according to the current receiving time; inquiring whether the ETC identification is listed in the first blacklist data table or not, and inquiring whether the deduction card identification is listed in the second blacklist data table or not; when the ETC identification is not included in the first blacklist data table and the deduction card identification is not included in the second blacklist data table, obtaining a blacklist verification result representing that the blacklist verification passes; when the first blacklist data table comprises the ETC identification or the second blacklist data table comprises the debit card identification, obtaining a blacklist verification result representing that blacklist verification fails; when the blacklist verification result is that the verification is passed, the deduction card identification is sent to the target issuer system; the sent deduction card identification is received by the target issuer system and is used for determining a key associated with the deduction card identification, and analyzing the deduction card identification according to the key to obtain authentication information associated with the deduction card identification; acquiring the authentication information fed back by the target issuer system; the authentication information is used for triggering the ETC payment system to obtain a deduction card verification result; taking the deduction card verification result as a compliance verification result, and executing deduction operation for the order to be deducted after compliance verification is passed to obtain an order flow;

the settlement module is used for feeding the order to the target issuer system in a running water mode; the fed order assembly line is used for triggering the target issuing system to carry out clearing on the received order assembly line so as to obtain target clearing cost corresponding to the target issuing system in the target geographic area; and the target clearing cost is used for settling to a merchant system corresponding to the installation area of the ETC road side unit.

6. The fare clearing system according to claim 5, characterized by the merchant system for sending the order for withholding generated at the time of consumption by the target vehicle into the ETC payment system.

7. A computer device comprising a memory and a processor, the memory storing a computer program, characterized in that the processor, when executing the computer program, implements the steps of the method of any of claims 1 to 4.

8. A computer-readable storage medium, on which a computer program is stored, which, when being executed by a processor, carries out the steps of the method of any one of claims 1 to 4.