CN116894666A - ETC arrearage processing method for public clients and related device - Google Patents
ETC arrearage processing method for public clients and related device Download PDFInfo
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Abstract
The application provides an ETC arrearage processing method for a public client and a related device, which can be applied to the field of mobile interconnection or finance. If the ETC blacklist is used, ETC arrearage prompt information is timely sent to the terminal equipment, and at the moment, only the identity information of the complement person sent by the terminal equipment is received, and the complement person has an available balance account, the deduction treatment can be carried out on the available balance account of the complement person after the complement person passes identity verification, and the public client vehicle is moved out of the ETC blacklist, so that the ETC arrearage can be timely complemented on the public client vehicle before the ETC is used, normal use of the ETC is not influenced, and the client experience is effectively improved.
Description
Technical Field
The application relates to the field of mobile interconnection, in particular to an ETC arrearage processing method for public clients and a related device.
Background
ETC (Electronic TollCollection ) is charged by banks, and bank cards such as debit cards, credit cards, public account numbers and the like are bound.
For individual customers, if the customer enters the blacklist bank for arrears, the customer is notified by a short message. But for public clients, the clients cannot be notified through short messages. Some public clients like logistics clients, car rental companies, taxi companies, government enterprises and public institutions and the like cannot timely acquire ETC arrears information of vehicles and timely make up, ETCs cannot be used normally, traffic jam of ETC toll booths can occur, and the problems of self payment of clients and the like can occur, so that the client experience is affected.
Disclosure of Invention
In view of the above, the application provides a method and a related device for processing ETC arrears of public customers, which enable the ETC arrears to be timely paid to public customer vehicles before using the ETC, do not influence the normal use of the ETC, and effectively promote customer experience.
In order to achieve the above purpose, the specific technical scheme provided by the application is as follows:
in a first aspect, an embodiment of the present application provides a method for processing ETC arrearages of public clients, applied to a bank end, where the method includes:
under the condition that vehicle starting information sent by terminal equipment arranged in a public client vehicle is received, acquiring an identifier of the public client vehicle, wherein the terminal equipment is used for detecting whether the public client vehicle is started or not, and the terminal equipment is also used for communicating with the bank end;
determining whether the public client vehicles are in an ETC blacklist according to the identification of the public client vehicles;
if the public client vehicles are in the ETC blacklist, sending ETC arrearage prompt information to the terminal equipment, wherein the ETC arrearage prompt information comprises ETC arrearage amount;
under the condition that the identity information of the complement person sent by the terminal equipment is received, judging whether the complement person has an available balance account or not according to the identity information of the complement person and the ETC arrearage amount;
if the complement person has an available balance account, carrying out identity verification on the complement person;
if the identity verification is passed, deducting money from the available balance account of the compensation person according to the ETC arrearage amount;
and removing the public client vehicles from the ETC blacklist.
In some embodiments, the terminal device communicates with the bank end via a 5G message.
In some embodiments, the determining whether the payor has an available balance account according to the identity information of the payor and the ETC owed amount includes:
inquiring whether an account exists in the complement person or not in a bank system according to the identity information of the complement person;
if the compensation person has an account, acquiring account balance;
judging whether the account balance is smaller than the ETC arrearage;
if the ETC arrearage amount is smaller than the ETC arrearage amount, determining that the complement person does not have an available balance account;
and if the ETC arrearage amount is not smaller than the ETC arrearage amount, determining that the payor has an available balance account.
In some embodiments, verifying the identity of the compensation person includes:
acquiring a bank reserved mobile phone number of the compensation person according to the identity information of the compensation person;
sending a short message verification code to a bank reserved mobile phone number of the compensation person;
if the short message verification code is received within the preset time, determining that the identity verification is passed;
if the short message verification code is not received within the preset time, determining that the identity verification is not passed.
In some embodiments, after the deducting the available balance account of the payor according to the ETC arrearage amount, the method further comprises:
generating an electronic bill;
acquiring a bank reservation mailbox of the compensation person according to the identity information of the compensation person;
and sending the electronic account list to a bank reservation mailbox of the compensation person.
In some embodiments, the method further comprises:
if the complement person does not have the available balance account, acquiring a historical payment record of the complement person;
inputting the historical payment record of the complement person into a pre-constructed credit evaluation model to obtain the credit score of the complement person;
generating a virtual credit card for the complement person under the condition that the credit score of the complement person is larger than a threshold value;
deducting the payment of the virtual credit card according to the ETC arrearage amount;
and removing the public client vehicles from the ETC blacklist.
In some embodiments, after removing the pair of public client vehicles from the ETC blacklist, the method further comprises:
running a pre-constructed intelligent contract, and matching a client subscription information blockchain database with a bank end blacklist blockchain database according to the identifier of the public client vehicle to obtain the ETC state of the public client vehicle corresponding to the current timestamp;
and storing the ETC state of the public client vehicle corresponding to the current timestamp into the client subscription information blockchain database.
In a second aspect, an embodiment of the present application provides an ETC arrearage processing device for public clients, applied to a banking end, where the device includes:
the vehicle identification acquisition unit is used for acquiring the identification of the public client vehicle under the condition that vehicle starting information sent by terminal equipment arranged in the public client vehicle is received, the terminal equipment is used for detecting whether the public client vehicle is started or not, and the terminal equipment is also used for communicating with the bank end;
the blacklist inquiring unit is used for determining whether the public client vehicle is in an ETC blacklist or not according to the identification of the public client vehicle;
the system comprises an arrearage prompt unit, a terminal device and an arrearage prompt unit, wherein the arrearage prompt unit is used for sending ETC arrearage prompt information to the terminal device if the public client vehicle is in the ETC blacklist, and the ETC arrearage prompt information comprises ETC arrearage amount;
the available balance account determining unit is used for judging whether the additional payment person has an available balance account according to the identity information of the additional payment person and the ETC arrearage under the condition that the identity information of the additional payment person sent by the terminal equipment is received;
the identity verification unit is used for verifying the identity of the complement person if the complement person has an available balance account;
the deduction processing unit is used for deducting money from the available balance account of the compensation person according to the ETC arrearage amount if the identity verification is passed;
and the blacklist removing unit is used for removing the public client vehicles from the ETC blacklist.
In some embodiments, the terminal device communicates with the bank end via a 5G message.
In some embodiments, the available balance account determining unit is specifically configured to:
inquiring whether an account exists in the complement person or not in a bank system according to the identity information of the complement person;
if the compensation person has an account, acquiring account balance;
judging whether the account balance is smaller than the ETC arrearage;
if the ETC arrearage amount is smaller than the ETC arrearage amount, determining that the complement person does not have an available balance account;
and if the ETC arrearage amount is not smaller than the ETC arrearage amount, determining that the payor has an available balance account.
In some embodiments, the identity verification unit is specifically configured to:
acquiring a bank reserved mobile phone number of the compensation person according to the identity information of the compensation person;
sending a short message verification code to a bank reserved mobile phone number of the compensation person;
if the short message verification code is received within the preset time, determining that the identity verification is passed;
if the short message verification code is not received within the preset time, determining that the identity verification is not passed.
In some embodiments, the apparatus further comprises:
the electronic bill generating unit is used for generating an electronic bill;
a reserved mailbox acquisition unit, configured to acquire a bank reserved mailbox of the compensation person according to the identity information of the compensation person;
and the electronic bill sending unit is used for sending the electronic bill to the bank reservation mailbox of the compensation person.
In some embodiments, the apparatus further comprises:
the payment record acquisition unit is used for acquiring the historical payment record of the complement person if the complement person does not have the available balance account;
the credit evaluation unit is used for inputting the historical payment record of the complement person into a pre-constructed credit evaluation model to obtain the credit score of the complement person;
the virtual credit card generation unit is used for generating a virtual credit card for the complement person under the condition that the credit score of the complement person is larger than a threshold value;
and the deduction processing unit is further used for deducting the virtual credit card according to the ETC arrearage amount.
In some embodiments, the apparatus further comprises:
the intelligent contract running unit is used for running the pre-constructed intelligent contract, matching the client subscription information blockchain database with the bank end blacklist blockchain database according to the identifier of the public client vehicle, and obtaining the ETC state of the public client vehicle corresponding to the current timestamp;
and the ETC state storage unit is used for storing the ETC state of the public client vehicle corresponding to the current time stamp into the client subscription information blockchain database.
In a third aspect, an embodiment of the present application further provides an electronic device, where the electronic device includes a processor and a memory;
the memory is used for storing program codes and transmitting the program codes to the processor;
the processor is configured to execute a method for processing ETC arrearages for public clients according to instructions in the program code as described in any implementation manner of the first aspect.
In a fourth aspect, an embodiment of the present application provides a computer readable storage medium having stored thereon a computer program which, when executed by a processor, implements a method for processing ETC arrearages for male clients as described in any one of the implementations of the first aspect.
Compared with the prior art, the application has the following beneficial effects:
according to the ETC arrearage processing method and the related device for the public clients, the terminal equipment is arranged in the public client vehicles, so that the terminal equipment detects whether the public client vehicles are started or not, and under the condition that vehicle starting information sent by the terminal equipment is received, whether the public client vehicles are in an ETC blacklist or not is determined according to the identification of the public client vehicles. If the ETC blacklist is used, ETC arrearage prompt information is timely sent to the terminal equipment, and at the moment, only the identity information of the complement person sent by the terminal equipment is received, and the complement person has an available balance account, the deduction treatment can be carried out on the available balance account of the complement person after the complement person passes identity verification, and the public client vehicle is moved out of the ETC blacklist, so that the ETC arrearage can be timely complemented on the public client vehicle before the ETC is used, normal use of the ETC is not influenced, and the client experience is effectively improved.
Drawings
In order to more clearly illustrate the embodiments of the present application or the technical solutions in the prior art, the drawings that are required to be used in the embodiments or the description of the prior art will be briefly described below, and it is obvious that the drawings in the following description are only embodiments of the present application, and that other drawings can be obtained according to the provided drawings without inventive effort for a person skilled in the art.
FIG. 1 is a schematic flow chart of an ETC arrearage processing method for public customers, which is disclosed in the embodiment of the application;
fig. 2 is a schematic structural diagram of an ETC arrearage processing device for public customers according to an embodiment of the present application.
Detailed Description
The following description of the embodiments of the present application will be made clearly and completely with reference to the accompanying drawings, in which it is apparent that the embodiments described are only some embodiments of the present application, but not all embodiments. All other embodiments, which can be made by those skilled in the art based on the embodiments of the application without making any inventive effort, are intended to be within the scope of the application.
It should be noted that, the user information (including but not limited to user equipment information, user personal information, etc.) and the data (including but not limited to data for analysis, stored data, presented data, etc.) related to the present application are information and data authorized by the user or sufficiently authorized by each party, and the collection, use and processing of the related data need to comply with the related laws and regulations and standards of the related country and region.
The application provides an ETC arrearage processing method for public clients, which is applied to a bank end, wherein the bank end is a server or a server cluster of a bank. Referring to fig. 1, fig. 1 is an alternative implementation of the ETC arrearage processing method for public clients, which specifically includes the following steps:
s101: under the condition that vehicle starting information sent to terminal equipment arranged in a public client vehicle is received, acquiring an identifier of the public client vehicle;
the terminal equipment can be vehicle-mounted terminal equipment with a communication function, the vehicle-mounted terminal equipment can acquire a vehicle speed signal acquired by a vehicle speed sensor and can communicate with a bank end, the vehicle start is determined after the vehicle speed signal is acquired, and vehicle start information is sent to the bank end; the terminal device may also be a terminal device with a vehicle start detection function, such as a smart phone, and the terminal device is further configured to communicate with a bank end and send vehicle start information to the bank end.
The bank side may acquire the identifier of the public client vehicle in various manners, and one optional manner is: the terminal device carries the identification of the public client vehicle when sending the vehicle starting information to the bank end, and the bank end can acquire the identification of the public client vehicle by analyzing the vehicle starting system information. Another alternative is: the terminal equipment is bound with the public client vehicle in advance, the bank end stores the corresponding relation between the terminal equipment and the public client vehicle, and after receiving the vehicle starting information sent by the terminal equipment, the bank end can acquire the identification of the public client vehicle according to the corresponding relation between the terminal equipment and the public client vehicle.
The identification of the public client vehicle may be a license plate number.
S102: determining whether the public client vehicle is in the ETC blacklist or not according to the identification of the public client vehicle;
the ETC blacklist may be stored locally at the bank end, or may be stored at the cloud or blockchain.
The identification of the public client vehicle and the ETC card number have a one-to-one correspondence, the ETC card number of the public client vehicle can be determined according to the identification of the public client vehicle and the correspondence between the identification of the public client vehicle and the ETC card number, and whether the public client vehicle is in the ETC blacklist can be determined by inquiring the ETC card number in the ETC blacklist.
If the bus is not in the ETC blacklist, no operation is performed.
S103: if the public client vehicle is in the ETC blacklist, sending ETC arrearage prompt information to the terminal equipment, wherein the ETC arrearage prompt information comprises ETC arrearage amount;
if the public client vehicle is in the ETC blacklist, inquiring the ETC arrearage amount of the public client vehicle according to the ETC card number, and sending ETC arrearage prompt information to the terminal equipment, wherein the ETC prompt information comprises the ETC arrearage amount and the identity information for prompting to provide the paying person for the public client, so that timely paying is realized, and if the ETC arrearage prompt information can be: and in order to ensure high-speed normal running, the payment person identity card number is timely provided for the payment.
And if the identity information of the complement person sent by the terminal equipment is not received within the preset time, periodically sending ETC arrearage prompt information to the terminal equipment according to a preset retransmission rule until the identity information of the complement person sent by the terminal equipment is received or the complement person is detected.
S104: under the condition that the identity information of the complement person sent by the terminal equipment is received, judging whether the complement person has an available balance account or not according to the identity information of the complement person and ETC arrearage amount;
the identity information of the complement person can be an identity card number, and the bank system stores the corresponding relation between the identity information and the account, so that whether the complement person has the account or not can be inquired based on the identity information of the complement person, and the fact that the complement person has the available balance account is described when the complement person has the account and the account balance is not less than ETC arrearage amount.
An alternative implementation includes: inquiring whether an account exists in the complement person or not in a bank system according to the identity information of the complement person; if the compensation person has an account, acquiring the balance of the account; judging whether the account balance is smaller than the ETC arrearage amount or not; if the amount is smaller than the ETC arrearage amount, determining that the payor does not have an available balance account; and if the balance account is not smaller than the ETC arrearage amount, determining that the available balance account exists for the compensation person.
If the complement person does not have the available balance account, the prompt information that the complement person does not have the available balance account is sent to the terminal equipment, and the identity information of the complement person is prompted to be provided again.
S105: if the complement person has an available balance account, carrying out identity verification on the complement person;
the identity verification can be performed in various ways, such as short message verification code authentication, face recognition, voiceprint recognition, fingerprint recognition, pupil recognition and the like, and the application is not particularly limited.
If the identity verification fails, sending prompt information that the identity verification fails to prompt the terminal equipment to carry out the identity verification again.
S106: if the identity verification is passed, deducting money from an available balance account of the compensation person according to the ETC arrearage amount;
specifically, if the identity verification is passed, the ETC arrearage is deducted from the available balance account of the compensation person.
S107: the public customer vehicle will be removed from the ETC blacklist.
It will be appreciated that after the vehicle for the public customer is removed from the ETC blacklist, the vehicle for the public customer may normally pass on the ETC charge card using ETC.
It can be seen that, in the ETC arrearage processing method for the public client disclosed in this embodiment, by setting the terminal device in the vehicle for the public client, the terminal device detects whether the vehicle for the public client is started, and under the condition that the vehicle starting information sent by the terminal device is received, whether the vehicle for the public client is in the ETC blacklist is determined according to the identifier of the vehicle for the public client. If the ETC blacklist is used, ETC arrearage prompt information is timely sent to the terminal equipment, and at the moment, only the identity information of the complement person sent by the terminal equipment is received, and the complement person has an available balance account, the deduction treatment can be carried out on the available balance account of the complement person after the complement person passes identity verification, and the public client vehicle is moved out of the ETC blacklist, so that the ETC arrearage can be timely complemented on the public client vehicle before the ETC is used, normal use of the ETC is not influenced, and the client experience is effectively improved.
Further, the terminal device communicates with the bank end through a mobile interconnection technology, and preferably, the terminal device communicates with the bank end through a 5G message.
The fifth generation mobile communication technology (5 th Generation Mobile Communication Technology, abbreviated as 5G) is a new generation broadband mobile communication technology with high speed, low delay and large connection characteristics. The 5G message supports rich media formats including text, pictures, audio and video, etc., can realize interactive messages between individual users and between industry clients and individual users. According to the embodiment, the terminal equipment communicates with the bank end through the 5G message, so that the communication efficiency is improved, text, picture and audio/video communication is supported, under the condition that a public client vehicle is started, voice 5G message is utilized for communication, for example, the bank end sends ETC arrearage prompt voice information to the terminal equipment, a client sends voice information of identity information of a complement person to the bank end through the terminal equipment, only the voice 5G message is required to be sent to the bank end through voice recognition technology recognition terminal equipment, normal running of the public client vehicle is not affected, and the client experience is good.
In the above embodiment, in S105, the identity verification of the complement person may be performed in a plurality of ways, and taking the authentication of the short message verification code as an example, the bank end obtains the bank reserved mobile phone number of the complement person according to the identity information of the complement person; sending a short message verification code to a bank reserved mobile phone number of the compensation person; after receiving the short message verification code, the payment complement replies the short message verification code to the bank end, and if the bank end receives the short message verification code within the preset time, the identity verification is determined to pass; if the short message verification code is not received within the preset time, determining that the identity verification is not passed.
The identity verification can also be performed on the complement person through voiceprint recognition, for example, the complement person speaks specific voice information under the voice prompt of the terminal equipment, and the terminal equipment sends the collected voice information to the bank end for identity verification.
If the terminal equipment supports the image acquisition function, the face recognition and pupil recognition can be adopted to carry out identity verification on the complement person, for example, the complement person can finish the face recognition or pupil recognition on a camera of the terminal equipment under the voice prompt of the terminal equipment, and the terminal equipment sends the acquired face image or pupil image to a bank end for identity verification.
If the terminal equipment supports the fingerprint acquisition function, the identity of the complement person can be checked by adopting fingerprint identification, for example, the complement person inputs a fingerprint in a fingerprint acquisition area of the terminal equipment under the voice prompt of the terminal equipment, and the terminal equipment sends acquired fingerprint information to a bank end for identity check.
Further, after deducting the payment processing of the available balance account of the compensation person according to the ETC owed amount in S106, an electronic bill may be generated, where the electronic bill includes ETC compensation information, such as the ETC owed amount, the identification of the public client vehicle, etc., and the bank end sends the electronic bill to the bank reserved mailbox of the compensation person according to the identity information of the compensation person and the corresponding relation between the prestored identity information and the bank reserved mailbox, so that the compensation person can reimburse according to the electronic bill. In addition, the download link of the electronic bill can be sent to the bank reserved mobile phone number of the compensation person in the form of a short message, so that the compensation person can open the download link to download the electronic bill after receiving the short message, and reimbursement is carried out according to the electronic bill one-way company.
In the above embodiment, if the complement person does not have the available balance account, a prompt message indicating that the complement person does not have the available balance account may be sent to the terminal device, so as to prompt the identity information of the complement person to be provided again. Further, in order to avoid the problem of complex compensation operation caused by providing the identity information of the compensation person again, credit evaluation can be performed on the compensation person, and if the credit score of the compensation person is greater than a threshold value, the virtual credit card is generated for the compensation person, and payment deduction is performed on the virtual credit card, so that ETC arrearage compensation is realized.
Specifically, if the complement person does not have the available balance account, acquiring a historical payment record of the complement person; inputting the historical payment record of the complement person into a pre-constructed credit evaluation model to obtain the credit score of the complement person; generating a virtual credit card for the payor if the credit score of the payor is greater than a threshold value; deducting the payment of the virtual credit card according to the ETC arrearage amount; the public customer vehicle will be removed from the ETC blacklist. The virtual credit card is the same as the normal credit card, and the repayment person is required to pay before the repayment day. The credit evaluation model can be any credit evaluation model existing in banks, such as a credit evaluation model based on an evaluation index system, a credit evaluation model obtained by training a machine learning model, and the like, and the credit evaluation model is not particularly limited.
Further, in order to realize traceability and tamper resistance of ETC blacklist data, after ETC blacklist is added to a public client vehicle or the public client vehicle is moved out of the ETC blacklist, ETC blacklist synchronization is triggered, and a bank end synchronously stores ETC card numbers, blacklist states, blacklist time, blacklist adding reasons and blacklist adding reasons in a relational database in a block mode.
In addition, in order to facilitate quick inquiry of the ETC state of the public client vehicle, after the public client vehicle is moved out of the ETC blacklist, a pre-constructed intelligent contract is operated, the client subscription information blockchain database is matched with the bank end blacklist blockchain database according to the identification of the public client vehicle, the ETC state of the public client vehicle corresponding to the current timestamp is obtained, and the ETC state of the public client vehicle corresponding to the current timestamp is stored in the client subscription information blockchain database. Specifically, if the matching is successful between the client subscription information blockchain database and the bank end blacklist blockchain database according to the public client vehicle identification, the ETC state is the blacklist state, if the matching is unsuccessful, the ETC state is the bleaching state, the master node of the client subscription information blockchain is newly added with a block containing information such as a time stamp, an ETC card number, the ETC state and the like, and all the blocks of the slave nodes with the block authority are synchronized.
Based on the method for processing the ETC arrears of the public clients disclosed in the above embodiment, the embodiment correspondingly discloses a device for processing the ETC arrears of the public clients, which is applied to a bank end, and please refer to fig. 2, the device comprises:
a vehicle identifier obtaining unit 201, configured to obtain, when receiving vehicle start information sent to a terminal device set in a public client vehicle, an identifier of the public client vehicle, where the terminal device is used to detect whether the public client vehicle is started, and the terminal device is further used to communicate with the bank end;
a blacklist query unit 202, configured to determine whether the public client vehicle is in an ETC blacklist according to the identifier of the public client vehicle;
an arrearage prompt unit 203, configured to send an ETC arrearage prompt message to the terminal device if the public client vehicle is in the ETC blacklist, where the ETC arrearage prompt message includes an ETC arrearage amount;
the available balance account determining unit 204 is configured to determine, when receiving the identity information of the complement sent by the terminal device, whether the complement has an available balance account according to the identity information of the complement and the ETC arrearage amount;
an identity verification unit 205, configured to perform identity verification on the complement person if the complement person has an available balance account;
the deduction processing unit 206 is configured to, if the identity verification passes, perform deduction processing on the available balance account of the compensation person according to the ETC arrearage amount;
and the blacklist removing unit 207 is configured to remove the pair of public client vehicles from the ETC blacklist.
In some embodiments, the terminal device communicates with the bank end via a 5G message.
In some embodiments, the available balance account determining unit 204 is specifically configured to:
inquiring whether an account exists in the complement person or not in a bank system according to the identity information of the complement person;
if the compensation person has an account, acquiring account balance;
judging whether the account balance is smaller than the ETC arrearage;
if the ETC arrearage amount is smaller than the ETC arrearage amount, determining that the complement person does not have an available balance account;
and if the ETC arrearage amount is not smaller than the ETC arrearage amount, determining that the payor has an available balance account.
In some embodiments, the identity verification unit 205 is specifically configured to:
acquiring a bank reserved mobile phone number of the compensation person according to the identity information of the compensation person;
sending a short message verification code to a bank reserved mobile phone number of the compensation person;
if the short message verification code is received within the preset time, determining that the identity verification is passed;
if the short message verification code is not received within the preset time, determining that the identity verification is not passed.
In some embodiments, the apparatus further comprises:
the electronic bill generating unit is used for generating an electronic bill;
a reserved mailbox acquisition unit, configured to acquire a bank reserved mailbox of the compensation person according to the identity information of the compensation person;
and the electronic bill sending unit is used for sending the electronic bill to the bank reservation mailbox of the compensation person.
In some embodiments, the apparatus further comprises:
the payment record acquisition unit is used for acquiring the historical payment record of the complement person if the complement person does not have the available balance account;
the credit evaluation unit is used for inputting the historical payment record of the complement person into a pre-constructed credit evaluation model to obtain the credit score of the complement person;
the virtual credit card generation unit is used for generating a virtual credit card for the complement person under the condition that the credit score of the complement person is larger than a threshold value;
and the deduction processing unit is further used for deducting the virtual credit card according to the ETC arrearage amount.
In some embodiments, the apparatus further comprises:
the intelligent contract running unit is used for running the pre-constructed intelligent contract, matching the client subscription information blockchain database with the bank end blacklist blockchain database according to the identifier of the public client vehicle, and obtaining the ETC state of the public client vehicle corresponding to the current timestamp;
and the ETC state storage unit is used for storing the ETC state of the public client vehicle corresponding to the current time stamp into the client subscription information blockchain database.
According to the ETC arrearage processing device for the public clients, terminal equipment is arranged in the public client vehicles, so that the terminal equipment detects whether the public client vehicles are started or not, and under the condition that vehicle starting information sent by the terminal equipment is received, whether the public client vehicles are in an ETC blacklist or not is determined according to the identification of the public client vehicles. If the ETC blacklist is used, ETC arrearage prompt information is timely sent to the terminal equipment, and at the moment, only the identity information of the complement person sent by the terminal equipment is received, and the complement person has an available balance account, the deduction treatment can be carried out on the available balance account of the complement person after the complement person passes identity verification, and the public client vehicle is moved out of the ETC blacklist, so that the ETC arrearage can be timely complemented on the public client vehicle before the ETC is used, normal use of the ETC is not influenced, and the client experience is effectively improved.
The embodiment of the application also provides electronic equipment, which comprises a processor and a memory;
the memory is used for storing program codes and transmitting the program codes to the processor;
the processor is configured to execute, according to instructions in the program code, a method for processing ETC arrearages for public clients as described in any implementation of the foregoing embodiments.
The embodiment of the application also provides a computer readable storage medium, and a computer program is stored on the computer readable storage medium, and when the computer program is executed by a processor, the method for processing ETC arrearages of public clients is realized.
It should be noted that the ETC arrearage processing method and the related device for public clients provided by the application can be applied to the field of mobile interconnection or the field of finance. The foregoing is merely exemplary, and the application fields of the ETC arrearage processing method and the related device for public clients provided by the present application are not limited.
In the present specification, each embodiment is described in a progressive manner, and each embodiment is mainly described in a different point from other embodiments, and identical and similar parts between the embodiments are all enough to refer to each other. For the device disclosed in the embodiment, since it corresponds to the method disclosed in the embodiment, the description is relatively simple, and the relevant points refer to the description of the method section.
It is further noted that relational terms such as first and second, and the like are used solely to distinguish one entity or action from another entity or action without necessarily requiring or implying any actual such relationship or order between such entities or actions. Moreover, the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising one … …" does not exclude the presence of other like elements in a process, method, article, or apparatus that comprises the element.
The steps of a method or algorithm described in connection with the embodiments disclosed herein may be embodied directly in hardware, in a software module executed by a processor, or in a combination of the two. The software modules may be disposed in Random Access Memory (RAM), memory, read Only Memory (ROM), electrically programmable ROM, electrically erasable programmable ROM, registers, hard disk, a removable disk, a CD-ROM, or any other form of storage medium known in the art.
The above embodiments may be combined in any manner, and features described in the embodiments in the present specification may be replaced or combined with each other in the above description of the disclosed embodiments, so as to enable those skilled in the art to make or use the present application.
The previous description of the disclosed embodiments is provided to enable any person skilled in the art to make or use the present application. Various modifications to these embodiments will be readily apparent to those skilled in the art, and the generic principles defined herein may be applied to other embodiments without departing from the spirit or scope of the application. Thus, the present application is not intended to be limited to the embodiments shown herein but is to be accorded the widest scope consistent with the principles and novel features disclosed herein.
Claims (10)
1. The ETC arrearage processing method for the public clients is characterized by being applied to a bank end, and comprises the following steps:
under the condition that vehicle starting information sent by terminal equipment arranged in a public client vehicle is received, acquiring an identifier of the public client vehicle, wherein the terminal equipment is used for detecting whether the public client vehicle is started or not, and the terminal equipment is also used for communicating with the bank end;
determining whether the public client vehicles are in an ETC blacklist according to the identification of the public client vehicles;
if the public client vehicles are in the ETC blacklist, sending ETC arrearage prompt information to the terminal equipment, wherein the ETC arrearage prompt information comprises ETC arrearage amount;
under the condition that the identity information of the complement person sent by the terminal equipment is received, judging whether the complement person has an available balance account or not according to the identity information of the complement person and the ETC arrearage amount;
if the complement person has an available balance account, carrying out identity verification on the complement person;
if the identity verification is passed, deducting money from the available balance account of the compensation person according to the ETC arrearage amount;
and removing the public client vehicles from the ETC blacklist.
2. The method according to claim 1, characterized in that the terminal device communicates with the bank end via a 5G message.
3. The method of claim 1, wherein the determining whether the payor has an available balance account based on the identity information of the payor and the ETC owed amount comprises:
inquiring whether an account exists in the complement person or not in a bank system according to the identity information of the complement person;
if the compensation person has an account, acquiring account balance;
judging whether the account balance is smaller than the ETC arrearage;
if the ETC arrearage amount is smaller than the ETC arrearage amount, determining that the complement person does not have an available balance account;
and if the ETC arrearage amount is not smaller than the ETC arrearage amount, determining that the payor has an available balance account.
4. The method of claim 1, wherein verifying the identity of the compensation person comprises:
acquiring a bank reserved mobile phone number of the compensation person according to the identity information of the compensation person;
sending a short message verification code to a bank reserved mobile phone number of the compensation person;
if the short message verification code is received within the preset time, determining that the identity verification is passed;
if the short message verification code is not received within the preset time, determining that the identity verification is not passed.
5. The method of claim 1, wherein after the debiting of the payor's available balance account according to the ETC owed amount, the method further comprises:
generating an electronic bill;
acquiring a bank reservation mailbox of the compensation person according to the identity information of the compensation person;
and sending the electronic account list to a bank reservation mailbox of the compensation person.
6. The method according to claim 1, wherein the method further comprises:
if the complement person does not have the available balance account, acquiring a historical payment record of the complement person;
inputting the historical payment record of the complement person into a pre-constructed credit evaluation model to obtain the credit score of the complement person;
generating a virtual credit card for the complement person under the condition that the credit score of the complement person is larger than a threshold value;
deducting the payment of the virtual credit card according to the ETC arrearage amount;
and removing the public client vehicles from the ETC blacklist.
7. The method of claim 1, wherein after removing the pair of public client vehicles from the ETC blacklist, the method further comprises:
running a pre-constructed intelligent contract, and matching a client subscription information blockchain database with a bank end blacklist blockchain database according to the identifier of the public client vehicle to obtain the ETC state of the public client vehicle corresponding to the current timestamp;
and storing the ETC state of the public client vehicle corresponding to the current timestamp into the client subscription information blockchain database.
8. An ETC arrearage processing device for public clients, which is applied to a banking end, and comprises:
the vehicle identification acquisition unit is used for acquiring the identification of the public client vehicle under the condition that vehicle starting information sent by terminal equipment arranged in the public client vehicle is received, the terminal equipment is used for detecting whether the public client vehicle is started or not, and the terminal equipment is also used for communicating with the bank end;
the blacklist inquiring unit is used for determining whether the public client vehicle is in an ETC blacklist or not according to the identification of the public client vehicle;
the system comprises an arrearage prompt unit, a terminal device and an arrearage prompt unit, wherein the arrearage prompt unit is used for sending ETC arrearage prompt information to the terminal device if the public client vehicle is in the ETC blacklist, and the ETC arrearage prompt information comprises ETC arrearage amount;
the available balance account determining unit is used for judging whether the additional payment person has an available balance account according to the identity information of the additional payment person and the ETC arrearage under the condition that the identity information of the additional payment person sent by the terminal equipment is received;
the identity verification unit is used for verifying the identity of the complement person if the complement person has an available balance account;
the deduction processing unit is used for deducting money from the available balance account of the compensation person according to the ETC arrearage amount if the identity verification is passed;
and the blacklist removing unit is used for removing the public client vehicles from the ETC blacklist.
9. An electronic device comprising a processor and a memory;
the memory is used for storing program codes and transmitting the program codes to the processor;
the processor is configured to execute a method for processing ETC arrearages for male customers according to instructions in the program code according to any one of claims 1 to 7.
10. A computer readable storage medium, wherein a computer program is stored on the computer readable storage medium, which when executed by a processor, implements a method for processing ETC arrearages for male customers according to any of claims 1-7.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202310876059.6A CN116894666A (en) | 2023-07-17 | 2023-07-17 | ETC arrearage processing method for public clients and related device |
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202310876059.6A CN116894666A (en) | 2023-07-17 | 2023-07-17 | ETC arrearage processing method for public clients and related device |
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| CN116894666A true CN116894666A (en) | 2023-10-17 |
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| CN202310876059.6A Pending CN116894666A (en) | 2023-07-17 | 2023-07-17 | ETC arrearage processing method for public clients and related device |
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| Country | Link |
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| CN (1) | CN116894666A (en) |
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