CN115545719A

CN115545719A - ETC extended transaction real-time clearing settlement method based on digital RMB

Info

Publication number: CN115545719A
Application number: CN202211348812.6A
Authority: CN
Inventors: 罗燕忠; 杨智帆; 张友明; 谢舟; 刘红波
Original assignee: Guangdong Litong Technology Investment Co ltd
Current assignee: Guangdong Litong Technology Investment Co ltd
Priority date: 2022-10-31
Filing date: 2022-10-31
Publication date: 2022-12-30

Abstract

The disclosure relates to an ETC expanded transaction real-time clearing settlement method, system, electronic equipment and storage medium based on digital RMB. Wherein, the method comprises the following steps: the ETC expansion business application platform receives the ETC expansion transaction flow uploaded by the ETC expansion service party and checks the legality and integrity of transaction information, ETC expansion transaction data are generated and sent to a bank note issuing bank to which the digital RMB belongs under an ETC user account; the bank-issuing bank initiates a payment request to the Unionpay after verifying the correctness of the token key of the ETC user account and confirming the identity information of a transaction subject; and after the Unionpay receives the payment request, the transaction account amount is changed through the digital currency payment system, and the fund is directly transferred in the digital RMB accounts of the two parties. The method and the device can shorten the ETC expansion transaction settlement period, realize real-time clearing and settlement of the transaction, improve the transaction efficiency and protect the privacy of users.

Description

ETC extended transaction real-time clearing and settlement method based on digital RMB

Technical Field

The disclosure relates to the technical field of ETC extended transactions, in particular to a method, a system, electronic equipment and a computer readable storage medium for ETC extended transaction real-time clearing and settlement based on digital RMB.

Background

Generally, the credit clearing and settlement of ETC expanded transaction comprises business links such as accounting, credit clearing, settlement and settlement: the bookkeeping is in charge of carrying out compliance verification and registration on the ETC expansion transaction records; clearing a data preparation link of clearing, which is mainly used for summarizing, sorting and classifying all ETC extended transaction records of the day to obtain the total transaction number and the total amount of money of a bank bound by the ETC; the clearing means that the ETC expanded transaction fund is collected from banks to an ETC issuer clearing settlement institution (hereinafter referred to as an issuer), and each bank carries out the examination and transfer of the ETC expanded transaction fund through a payment intermediary (China people's bank); the settlement refers to the fact that an issuer distributes ETC extended transaction funds to each service party according to the income of each ETC extended transaction service party (hereinafter referred to as a service party).

However, the ETC expansion transaction at present has the problem of long clearing and settlement period, so that a server bears a large operation risk. Assuming that the ETC expansion transaction occurs on T days, the issuer finishes accounting in the T days, the T +1 days finishes clearing, and the ETC expansion transaction fund takes 1 day from starting to initiate the collection instruction to actual fund to account, so clearing can be finished in at least the T +2 days, and the issuer settles the income of each service party to be the fund on the day of account or the next day. Therefore, the ETC expanded transaction clearing and settlement period is at least T +2 days, the accounting timeliness of the issuer to the ETC expanded transaction is T +4 days, and the ETC expanded transaction clearing and settlement period is T +6 days at most.

In some provinces, secondary clearing mechanisms exist, the fund pools of the mechanisms meet the real-time or on-time account of the income of service parties, but the secondary clearing mechanisms need to bear huge capital expenditure amount and capital loss risks.

Therefore, how to shorten the ETC extended transaction clearing and settlement period and reduce the operation risk of a service provider is a technical problem to be solved by technical personnel in the field at present.

It is to be noted that the information disclosed in the above background section is only for enhancement of understanding of the background of the present disclosure, and thus may include information that does not constitute prior art known to those of ordinary skill in the art.

Disclosure of Invention

An object of the present disclosure is to provide a method, a system, an electronic device, and a computer-readable storage medium for ETC extended transaction real-time liquidation and settlement based on digital RMB, thereby overcoming, at least to some extent, one or more problems caused by the limitations and disadvantages of the related art.

According to one aspect of the disclosure, a digital RMB-based ETC extended transaction real-time clearing settlement method is provided, which comprises the following steps:

the ETC expanding business application platform receives the ETC expanding business assembly line uploaded by the ETC expanding service party, completes the verification of the legality and the integrity of the business information of the ETC expanding business assembly line and generates ETC expanding business data;

the ETC expansion business application platform sends the ETC expansion transaction data to a bank note issuing bank to which the digital RMB belongs under an ETC user account;

the bank sends a payment request to the Unionpay after verifying the correctness of the token key of the ETC user account and confirming the identity information of a transaction subject;

and after the Unionpay receives the payment request, the transaction account amount is changed through the digital currency payment system, and the funds are directly transferred in the ETC user account and the digital RMB account of the income account of the ETC extended service party.

In an exemplary embodiment of the present disclosure, the method further comprises:

the ETC user realizes a new application joining function by inputting an ETC card number, a license plate number and account opening input information of an ETC user account to an ETC issuer;

the ETC expansion service party accesses the service party number, the transaction terminal number, the transaction authentication code and the access information of the income account to the ETC issuer to realize a new application adding function.

the ETC expansion business application platform receives the ETC expansion transaction running water uploaded by the ETC expansion service party, and decrypts and checks the authentication information of the transaction running water through an MD5 algorithm so as to complete the verification of the legality and the integrity of the transaction information of the ETC expansion transaction running water.

the ETC expansion transaction data are verified based on a transaction wind control subsystem after being sent to a bank note issuing bank to which the digital RMB belongs under an ETC user account, and the ETC expansion transaction data comprise a server side number, a transaction terminal number, a transaction authentication code, a profit account, an ETC card number, a license plate number and an ETC user account.

the bank-issuing bank initiates a payment request to the Unionpay after verifying the correctness of the token key of the ETC user account and confirming the identity information of a transaction subject;

if the Unionpay does not respond within 100ms, actively inquiring result information of the deduction from the Unionpay;

and after receiving the money deduction result information, returning the money deduction result information to the merchant in real time, wherein the money deduction result information cannot be obtained within 10 seconds, and the money pressing failure processing is carried out.

In one aspect of the present disclosure, there is provided an ETC expansion transaction real-time clearing settlement system based on digital rmb, comprising a participant and a clearing system, wherein:

the participants comprise an ETC issuer, an ETC expanding server, an ETC user and a unionpay, the participants are used for sending transaction requests to the ETC expanding server based on ETC users, an ETC expanding business application platform receives ETC expanding transaction running water uploaded by the ETC expanding server and completes verification of legality and integrity of transaction information of the ETC expanding transaction running water to generate ETC expanding transaction data, the ETC expanding business application platform sends the ETC expanding transaction data to a bank-note issuing bank to which digital RMB belongs under an ETC user account, and the bank-note issuing bank initiates payment requests to the unionpay after verifying correctness of token keys of the ETC user account and confirming identity information of transaction subjects;

the clearing system comprises a data communication subsystem, a transaction wind control subsystem, a bookkeeping subsystem, a real-time deduction subsystem and a daily terminal account checking subsystem, and is used for changing the amount of a transaction account through a digital currency payment system after receiving a payment request based on a unionpay, and funds are directly transferred in an ETC user account and a digital RMB account of a income account of an ETC expansion service party.

In an exemplary embodiment of the present disclosure, the system further includes:

the ETC issuer, the ETC expansion service party and the ETC user sign a transaction agreement with the Unionpay, the liquidation system conducts real-time liquidation and settlement on ETC expansion transactions based on the Unionpay real-time deduction, and ETC expansion transaction funds are transferred from ETC user accounts to ETC expansion service party income accounts end to end in real time.

the accounting subsystem is used for performing compliance verification and registration on the transaction records of the ETC expanded transaction data, the compliance verification comprises transaction record repeatability verification and transaction verification code verification of the ETC expanded transaction data, verification results are divided into normal and abnormal, and the accounting subsystem registers the transaction records according to the verification results after the compliance verification is completed.

the real-time deduction subsystem is used for initiating a deduction request to the transaction record with the normal regularity verification result, generating a deduction message, forwarding the deduction message to the Unionpay through the data communication subsystem, initiating real-time deduction, and after the deduction is completed, returning a deduction result by the Unionpay.

and the daily terminal account checking subsystem is used for checking according to the transaction record and the deduction result to realize the conformity of the account certificate.

In one aspect of the present disclosure, there is provided an electronic device including:

a processor; and

a memory having computer readable instructions stored thereon which, when executed by the processor, implement a method according to any of the above.

In an aspect of the disclosure, a computer-readable storage medium is provided, on which a computer program is stored, which computer program, when being executed by a processor, realizes the method according to any one of the above.

In an exemplary embodiment of the present disclosure, an ETC expanded transaction real-time clearing and settlement method based on digital rmb, wherein the method includes: the ETC expansion business application platform receives the ETC expansion transaction flow uploaded by the ETC expansion service party and verifies the legality and integrity of transaction information, and ETC expansion transaction data are generated and sent to a bank note issuing bank to which the digital RMB belongs under an ETC user account; the bank-issuing bank initiates a payment request to the Unionpay after verifying the correctness of the token key of the ETC user account and confirming the identity information of a transaction subject; and after the Unionpay receives the payment request, the transaction account amount is changed through the digital currency payment system, and the fund is directly transferred in the digital RMB accounts of the two parties. The method and the device can shorten the expansion transaction settlement period of the ETC, realize real-time clearing and settlement of the transaction, improve the transaction efficiency and protect the privacy of users.

It is to be understood that both the foregoing general description and the following detailed description are exemplary and explanatory only and are not restrictive of the disclosure.

Drawings

The above and other features and advantages of the present disclosure will become more apparent by describing in detail exemplary embodiments thereof with reference to the attached drawings.

Fig. 1 shows a flowchart of an ETC extended transaction real-time clearing settlement method based on digital rmb according to an exemplary embodiment of the present disclosure;

fig. 2 shows a schematic block diagram of a digital rmb-based ETC extended transaction real-time clearing settlement system according to an exemplary embodiment of the present disclosure;

FIG. 3 schematically illustrates a block diagram of an electronic device according to an exemplary embodiment of the present disclosure; and

fig. 4 schematically illustrates a schematic diagram of a computer-readable storage medium according to an exemplary embodiment of the present disclosure.

Detailed Description

Example embodiments will now be described more fully with reference to the accompanying drawings. Example embodiments may, however, be embodied in many different forms and should not be construed as limited to the embodiments set forth herein; rather, these embodiments are provided so that this disclosure will be thorough and complete, and will fully convey the concept of example embodiments to those skilled in the art. The same reference numerals denote the same or similar parts in the drawings, and thus, a repetitive description thereof will be omitted.

Furthermore, the described features, structures, or characteristics may be combined in any suitable manner in one or more embodiments. In the following description, numerous specific details are provided to give a thorough understanding of embodiments of the disclosure. One skilled in the relevant art will recognize, however, that the embodiments of the disclosure can be practiced without one or more of the specific details, or with other methods, components, materials, devices, steps, and so forth. In other instances, well-known structures, methods, devices, implementations, materials, or operations are not shown or described in detail to avoid obscuring aspects of the disclosure.

The block diagrams shown in the figures are functional entities only and do not necessarily correspond to physically separate entities. That is, these functional entities may be implemented in the form of software, or in one or more software-hardened modules, or in different networks and/or processor devices and/or microcontroller devices.

In the embodiment, firstly, an ETC expanded transaction real-time clearing settlement method based on digital RMB is provided; referring to fig. 1, the ETC extended transaction real-time clearing settlement method based on digital RMB may include the following steps:

step S110, an ETC user sends a transaction request to an ETC expansion service party, the ETC expansion service party generates an ETC expansion transaction streamline based on the transaction request, an ETC expansion business application platform receives the ETC expansion transaction streamline uploaded by the ETC expansion service party, the legality and integrity of transaction information of the ETC expansion transaction streamline are verified, and ETC expansion transaction data are generated;

step S120, the ETC expansion business application platform sends the ETC expansion transaction data to a bank note issuing bank to which the digital RMB belongs under an ETC user account;

step S130, the bank-note issuing bank initiates a payment request to the Unionpay after verifying the correctness of the token key of the ETC user account and confirming the identity information of a transaction subject;

step S140, after the Unionpay receives the payment request, the transaction account amount is changed through the digital currency payment system, and the fund is directly transferred in the ETC user account and the digital RMB account of the income account of the ETC expansion service party.

In an exemplary embodiment of the present disclosure, an ETC extended transaction real-time clearing settlement method based on digital rmb includes: the ETC expansion business application platform receives the ETC expansion transaction flow uploaded by the ETC expansion service party and checks the legality and integrity of transaction information, ETC expansion transaction data are generated and sent to a bank note issuing bank to which the digital RMB belongs under an ETC user account; the bank-issuing bank initiates a payment request to the Unionpay after verifying the correctness of the token key of the ETC user account and confirming the identity information of a transaction subject; and after the Unionpay receives the payment request, the transaction account amount is changed through the digital currency payment system, and the funds are directly transferred in the digital RMB accounts of the two parties. The method and the device can shorten the ETC expansion transaction settlement period, realize real-time clearing and settlement of the transaction, improve the transaction efficiency and protect the privacy of users.

Next, a digital rmb-based ETC extended transaction real-time clearing settlement method in the present exemplary embodiment will be further described.

In step S110, the ETC user may send the transaction request to the ETC expansion service provider, the ETC expansion service provider generates an ETC expansion transaction flow based on the transaction request, and the ETC expansion business application platform receives the ETC expansion transaction flow uploaded by the ETC expansion service provider, completes verification of legitimacy and integrity of transaction information of the ETC expansion transaction flow, and generates ETC expansion transaction data.

In an embodiment of the present example, the method further comprises:

the ETC expansion service party realizes a new application adding function by accessing the service party number, the transaction terminal number, the transaction authentication code and the access information of the income account to the ETC issuer.

In step S120, the ETC expanded transaction data may be sent to a bank note issuing bank to which the digital rmb belongs under the ETC user account by using the ETC expanded service application platform;

in an embodiment of the present example, the method further comprises:

In step S130, the bank may initiate a payment request to the union of bank after verifying the correctness of the token key of the ETC user account and confirming the identity information of the transaction subject;

in an embodiment of the present example, the method further comprises:

In step S140, after the unionpay receives the payment request, the transaction account amount is changed through the digital currency payment system, and the funds are directly transferred between the ETC user account and the digital renminbi account of the income account of the ETC expansion service provider.

In an embodiment of the present example, the method further comprises:

It should be noted that although the steps of the methods of the present disclosure are depicted in the drawings in a particular order, this does not require or imply that the steps must be performed in this particular order or that all of the depicted steps must be performed to achieve desirable results. Additionally or alternatively, certain steps may be omitted, multiple steps combined into one step execution, and/or one step broken into multiple step executions, etc.

In addition, in the exemplary embodiment, an ETC extended transaction real-time clearing and settlement system based on the digital rmb is also provided. Referring to fig. 2, the system 200 for real-time clearing and settling of ETC extended transactions based on digital RMB may include: participants 210 and a clearing system 220.

Wherein:

the participant 210 comprises an ETC issuer, an ETC expanding server, an ETC user and a unionpay, wherein the participant is used for sending a transaction request to the ETC expanding server based on an ETC user, an ETC expanding business application platform receives an ETC expanding transaction running water uploaded by the ETC expanding server and completes the verification of the legality and the integrity of transaction information of the ETC expanding transaction running water to generate ETC expanding transaction data, the ETC expanding business application platform sends the ETC expanding transaction data to a bank-note issuing bank to which digital RMB belongs under an ETC user account, and the bank-note issuing bank initiates a payment request to the unionpay after verifying the correctness of a token key of the ETC user account and confirming identity information of a transaction subject;

the clearing system 220 comprises a data communication subsystem, a transaction wind control subsystem, an accounting subsystem, a real-time deduction subsystem and a day-to-day account checking subsystem, and is used for changing the transaction account amount through a digital currency payment system after receiving a payment request based on the UnionPay, and funds are directly transferred in the ETC user account and the digital RMB account of the income account of the ETC expansion service party.

In an embodiment of the present example, the system further comprises:

The specific details of each module of the above-mentioned digital rmb-based ETC expanded transaction real-time clearing and settlement system are described in detail in a corresponding digital rmb-based ETC expanded transaction real-time clearing and settlement method, and therefore are not described herein again.

It should be noted that although several modules or units of a digital rmb-based ETC extended transaction real-time liquidation settlement system 200 are mentioned in the above detailed description, such division is not mandatory. Indeed, the features and functionality of two or more modules or units described above may be embodied in one module or unit, according to embodiments of the present disclosure. Conversely, the features and functions of one module or unit described above may be further divided into embodiments by a plurality of modules or units.

In addition, in an exemplary embodiment of the present disclosure, an electronic device capable of implementing the above method is also provided.

As will be appreciated by one skilled in the art, aspects of the present invention may be embodied as a system, method or program product. Thus, various aspects of the invention may be embodied in the form of: an entirely hardware embodiment, an entirely software embodiment (including firmware, microcode, etc.) or an embodiment combining hardware and software aspects that may all generally be referred to herein as a "circuit," module "or" system.

An electronic device 300 according to such an embodiment of the invention is described below with reference to fig. 3. The electronic device 300 shown in fig. 3 is only an example, and should not bring any limitation to the functions and the scope of use of the embodiments of the present invention.

As shown in fig. 3, electronic device 300 is embodied in the form of a general purpose computing device. The components of electronic device 300 may include, but are not limited to: the at least one processing unit 310, the at least one memory unit 320, a bus 330 connecting different system components (including the memory unit 320 and the processing unit 310), and a display unit 340.

Wherein the storage unit stores program code that is executable by the processing unit 310 to cause the processing unit 310 to perform steps according to various exemplary embodiments of the present invention as described in the above section "exemplary method" of the present specification. For example, the processing unit 310 may perform steps S110 to S150 as shown in fig. 1.

The storage unit 320 may include readable media in the form of volatile storage units, such as a random access memory unit (RAM) 3201 and/or a cache memory unit 3202, and may further include a read only memory unit (ROM) 3203.

The storage unit 320 may also include a program/utility 3204 having a set (at least one) of program modules 3205, such program modules 3205 including, but not limited to: an operating system, one or more application programs, other program modules, and program data, each of which or some combination thereof may comprise an implementation of a network environment.

Bus 330 may be one or more of several types of bus structures, including a memory unit bus or memory unit controller, a peripheral bus, an accelerated graphics port, a processing unit, or a local bus using any of a variety of bus architectures.

The electronic device 300 may also communicate with one or more external devices 370 (e.g., keyboard, pointing device, bluetooth device, etc.), with one or more devices that enable a user to interact with the electronic device 300, and/or with any device (e.g., router, modem, etc.) that enables the electronic device 300 to communicate with one or more other computing devices. Such communication may occur through input/output (I/O) interface 350. Also, the electronic device 300 may communicate with one or more networks (e.g., a Local Area Network (LAN), a Wide Area Network (WAN), and/or a public network, such as the internet) via the network adapter 360. As shown, network adapter 360 communicates with the other modules of electronic device 300 via bus 330. It should be understood that although not shown in the figures, other hardware and/or software modules may be used in conjunction with the electronic device 300, including but not limited to: microcode, device drivers, redundant processing units, external disk drive arrays, RAID systems, tape drives, and data backup storage systems, to name a few.

Through the above description of the embodiments, those skilled in the art will readily understand that the exemplary embodiments described herein may be implemented by software, or by software in combination with necessary hardware. Therefore, the technical solution according to the embodiments of the present disclosure may be embodied in the form of a software product, which may be stored in a non-volatile storage medium (which may be a CD-ROM, a usb disk, a removable hard disk, etc.) or on a network, and includes several instructions to enable a computing device (which may be a personal computer, a server, a terminal device, or a network device, etc.) to execute the method according to the embodiments of the present disclosure.

In an exemplary embodiment of the present disclosure, there is also provided a computer-readable storage medium having stored thereon a program product capable of implementing the above-described method of the present specification. In some possible embodiments, aspects of the invention may also be implemented in the form of a program product comprising program code means for causing a terminal device to carry out the steps according to various exemplary embodiments of the invention described in the above section "exemplary method" of this description, when said program product is run on the terminal device.

Referring to fig. 4, a program product 400 for implementing the above method according to an embodiment of the present invention is described, which may employ a portable compact disc read only memory (CD-ROM) and include program code, and may be run on a terminal device, such as a personal computer. However, the program product of the present invention is not limited in this regard and, in the present document, a readable storage medium may be any tangible medium that can contain, or store a program for use by or in connection with an instruction execution system, apparatus, or device.

The program product may employ any combination of one or more readable media. The readable medium may be a readable signal medium or a readable storage medium. The readable storage medium may be, for example, but not limited to, an electronic, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or any combination of the foregoing. More specific examples (a non-exhaustive list) of the readable storage medium include: an electrical connection having one or more wires, a portable disk, a hard disk, a Random Access Memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disc read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing.

A computer readable signal medium may include a propagated data signal with readable program code embodied therein, for example, in baseband or as part of a carrier wave. Such a propagated data signal may take many forms, including, but not limited to, electro-magnetic, optical, or any suitable combination thereof. A readable signal medium may also be any readable medium that is not a readable storage medium and that can communicate, propagate, or transport a program for use by or in connection with an instruction execution system, apparatus, or device.

Program code embodied on a readable medium may be transmitted using any appropriate medium, including but not limited to wireless, wireline, optical fiber cable, RF, etc., or any suitable combination of the foregoing.

Program code for carrying out operations for aspects of the present invention may be written in any combination of one or more programming languages, including an object oriented programming language such as Java, C + + or the like and conventional procedural programming languages, such as the "C" programming language or similar programming languages. The program code may execute entirely on the user's computing device, partly on the user's device, as a stand-alone software package, partly on the user's computing device and partly on a remote computing device, or entirely on the remote computing device or server. In the case of a remote computing device, the remote computing device may be connected to the user computing device through any kind of network, including a Local Area Network (LAN) or a Wide Area Network (WAN), or may be connected to an external computing device (e.g., through the internet using an internet service provider).

Furthermore, the above-described drawings are only schematic illustrations of processes involved in methods according to exemplary embodiments of the invention, and are not intended to be limiting. It will be readily understood that the processes shown in the above figures are not intended to indicate or limit the chronological order of the processes. In addition, it is also readily understood that these processes may be performed, for example, synchronously or asynchronously in multiple modules.

Other embodiments of the disclosure will be apparent to those skilled in the art from consideration of the specification and practice of the disclosure disclosed herein. This application is intended to cover any variations, uses, or adaptations of the disclosure following, in general, the principles of the disclosure and including such departures from the present disclosure as come within known or customary practice in the art to which the disclosure pertains. It is intended that the specification and examples be considered as exemplary only, with a true scope and spirit of the disclosure being indicated by the following claims.

It will be understood that the present disclosure is not limited to the precise arrangements described above and shown in the drawings and that various modifications and changes may be made without departing from the scope thereof. The scope of the present disclosure is to be limited only by the terms of the appended claims.

Claims

1. An ETC expansion transaction real-time clearing and settlement method based on digital RMB is characterized by comprising the following steps:

2. The method of claim 1, wherein the method further comprises:

3. The method of claim 1, wherein the method further comprises:

the ETC extended business application platform receives the ETC extended transaction flow uploaded by the ETC extended service party, and decrypts and checks the authentication information of the transaction flow through an MD5 algorithm to complete verification of the legality and integrity of the transaction information of the ETC extended transaction flow.

4. The method of claim 1, wherein the method further comprises:

5. The method of claim 1, wherein the method further comprises:

and after receiving the deduction result information, returning the deduction result information to the merchant in real time, wherein the deduction result information cannot be obtained within 10 seconds, and carrying out the processing of pressing the money.

6. The utility model provides a ETC extends real-time clearing settlement system of transaction based on digital RMB, its characterized in that, the system includes participant and clearance system, wherein:

the clearing system comprises a data communication subsystem, a transaction wind control subsystem, an accounting subsystem, a real-time deduction subsystem and a day-to-day account checking subsystem, and is used for changing the transaction account amount through a digital currency payment system after receiving a payment request based on the UnionPay, and funds are directly transferred in an ETC user account and a digital RMB account of a income account of an ETC expansion service party.

7. The system of claim 6, wherein the system further comprises:

8. The system of claim 6, wherein the system further comprises:

9. The system of claim 8, wherein the system further comprises:

10. The system of claim 8, wherein the system further comprises:

11. An electronic device, comprising

A processor; and

a memory having computer readable instructions stored thereon which, when executed by the processor, implement the method of any of claims 1 to 5.

12. A computer-readable storage medium, on which a computer program is stored which, when being executed by a processor, carries out the method according to any one of claims 1 to 5.