A method, device and equipment for ETC payment and settlement based on alliance chain

Abstract

The present application discloses an ETC payment and clearing method, device and equipment based on a consortium chain, which can complete the payment and clearing of ETC more quickly and accurately based on a pre-built consortium chain. The method includes: first obtaining the payment transaction information in the ETC channel to be cleared, and then, according to the pre-built consortium chain, uploading the payment transaction information to the chain; wherein the consortium chain includes a ministerial-level networked settlement management center, a provincial and municipal-level networked settlement management center, a clearing bank and a customer, and then, according to the smart contract in the consortium chain, processing the payment transaction information on the chain to obtain the ETC payment and clearing result.

Description

Technical Field

[0001] The present application relates to the field of blockchain technology, and in particular to an ETC payment and settlement method, device and equipment based on an alliance chain. Background Art

[0002] The fully automatic electronic toll collection system (ETC) is one of the service functions of the intelligent transportation system. The ETC system uses vehicle automatic identification technology to complete wireless data communication between vehicles and toll stations, and automatically senses and identifies vehicles and exchanges related toll data. It saves vehicle time and eliminates the trouble of drivers waiting in line.

[0003] There are two common methods for ETC payment settlement. One is to use the "layer-by-layer transmission and central processing" method for clearing and settlement. Figure 1 As shown. The toll data is transmitted to the networked toll settlement management center through toll stations and toll centers. The settlement center processes the toll data, calculates the clearing data, and requires the card issuing company to pay the IC card consumption fee, and transfers the consumption fee to each highway operating company through the clearing bank. It can be seen that the traditional ETC payment and settlement method not only faces the problem of data interaction and fee settlement at each level, but also relies on the centralized background data processing center to store and process a large amount of data, resulting in cumbersome system processes, low security, low processing efficiency and high management costs. Another way is to use blockchain as a storage medium, combine blockchain technology with high-speed CPC toll technology, and realize distributed storage of high-speed vehicle data. The specific ETC business architecture is shown in Appendix 2. Although this payment and settlement method can ensure the security and non-tamperability of data, it does not fundamentally change the existing ETC payment business process and optimize and improve the business efficiency of each link. In addition, since the blockchain itself is limited by the performance of the consensus algorithm and the network environment, its own business throughput is limited, the transaction processing time is long, and since the types and versions of blockchains used by the networked settlement centers of various provinces and cities are different, it is also easy to cause data interaction problems. Therefore, adopting a multi-layer blockchain solution may further highlight the disadvantages of blockchain, leading to a further decrease in throughput and transaction processing time, and bringing technical and performance bottlenecks to business expansion. Summary of the invention

[0004] The main purpose of the embodiments of the present application is to provide an ETC payment and settlement method, device and equipment based on a consortium chain, which can complete the ETC payment and settlement more quickly and accurately based on a pre-built consortium chain.

[0005] In the first aspect, the embodiment of the present application provides an ETC payment and settlement method based on the alliance chain, including:

[0006] Obtain payment transaction information in the ETC channel to be cleared;

[0007] The payment transaction information is uploaded to the chain according to the pre-built alliance chain; the alliance chain includes the ministerial-level network settlement management center, the provincial and municipal-level network settlement management center, the clearing bank and the customer;

[0008] According to the smart contract in the alliance chain, the payment transaction information on the chain is processed to obtain the ETC payment settlement result.

[0009] Optionally, after processing the payment transaction information on the chain according to the smart contract in the alliance chain to obtain the ETC payment settlement result, the method further includes:

[0010] The smart contract of the alliance chain is generated according to the business rules and the agreement signed between the participating institutions in the alliance chain.

[0011] Optionally, when the ETC payment settlement is an intra-provincial ETC payment settlement; the payment transaction information on the chain is processed according to the smart contract in the alliance chain to obtain the ETC payment settlement result, including:

[0012] When a vehicle passes through a toll station, the toll collection center encrypts the confirmed route information and vehicle information of the vehicle to obtain encrypted payment transaction information, and sends the encrypted payment transaction information to the provincial and municipal network settlement management center;

[0013] The provincial and municipal network settlement management center verifies the encrypted payment transaction information, and after passing the verification, pushes the verified payment transaction information to the clearing bank;

[0014] The clearing bank completes the ETC payment clearing based on the verified payment transaction information and obtains the ETC payment clearing result.

[0015] Optionally, when the ETC payment settlement is inter-provincial ETC payment settlement; the payment transaction information on the chain is processed according to the smart contract in the alliance chain to obtain the ETC payment settlement result, including:

[0016] When a vehicle passes through a toll station, the toll collection center calculates the provincial fee information based on the intra-provincial route information and vehicle information of the vehicle, and uploads the provincial fee information to the blockchain; when the vehicle leaves the expressway toll station, the toll collection center calculates the inter-provincial and intra-provincial fee information based on the inter-provincial and intra-provincial route information and vehicle information of the vehicle, and encrypts the inter-provincial and intra-provincial route information and the inter-provincial and intra-provincial fee information to obtain the encrypted payment transaction information, and sends the encrypted payment transaction information to the provincial and municipal network settlement management center;

[0017] The provincial and municipal network settlement management center verifies the encrypted payment transaction information, and after passing the verification, pushes the verified payment transaction information to the clearing bank;

[0018] The clearing bank completes the ETC payment clearing based on the verified payment transaction information and obtains the ETC payment clearing result.

[0019] In a second aspect, the embodiment of the present application further provides an ETC payment and clearing device based on the alliance chain, including:

[0020] An acquisition unit, used to acquire payment transaction information in the ETC channel to be cleared;

[0021] A chain unit, used for chaining the payment transaction information according to a pre-built alliance chain; the alliance chain includes a ministerial-level network settlement management center, a provincial and municipal-level network settlement management center, a clearing bank and a customer;

[0022] The obtaining unit is used to process the payment transaction information on the chain according to the smart contract in the alliance chain to obtain the ETC payment settlement result.

[0023] Optionally, the device further comprises:

[0024] A generation unit is used to generate a smart contract of the alliance chain according to business rules and the agreement signed between the participating institutions in the alliance chain.

[0025] Optionally, when the ETC payment settlement is intra-provincial ETC payment settlement; the obtaining unit is specifically used to:

[0026] When a vehicle passes through a toll station, the toll collection center encrypts the confirmed route information and vehicle information of the vehicle to obtain encrypted payment transaction information, and sends the encrypted payment transaction information to the provincial and municipal network settlement management center;

[0027] The provincial and municipal network settlement management center verifies the encrypted payment transaction information, and after passing the verification, pushes the verified payment transaction information to the clearing bank;

[0028] The clearing bank completes the ETC payment clearing based on the verified payment transaction information and obtains the ETC payment clearing result.

[0029] Optionally, when the ETC payment settlement is inter-provincial ETC payment settlement; the obtaining unit is specifically used to:

[0030] When a vehicle passes through a toll station, the toll collection center calculates the provincial fee information based on the intra-provincial route information and vehicle information of the vehicle, and uploads the provincial fee information to the blockchain; when the vehicle leaves the expressway toll station, the toll collection center calculates the inter-provincial and intra-provincial fee information based on the inter-provincial and intra-provincial route information and vehicle information of the vehicle, and encrypts the inter-provincial and intra-provincial route information and the inter-provincial and intra-provincial fee information to obtain the encrypted payment transaction information, and sends the encrypted payment transaction information to the provincial and municipal network settlement management center;

[0031] The provincial and municipal network settlement management center verifies the encrypted payment transaction information, and after passing the verification, pushes the verified payment transaction information to the clearing bank;

[0032] The clearing bank completes the ETC payment clearing based on the verified payment transaction information and obtains the ETC payment clearing result.

[0033] The embodiment of the present application also provides an ETC payment and clearing device based on the alliance chain, including: a processor, a memory, and a system bus;

[0034] The processor and the memory are connected via the system bus;

[0035] The memory is used to store one or more programs, and the one or more programs include instructions, which, when executed by the processor, enable the processor to execute any one of the implementation methods of the above-mentioned ETC payment and settlement method based on the alliance chain.

[0036] An embodiment of the present application also provides a computer-readable storage medium, which stores instructions. When the instructions are executed on a terminal device, the terminal device executes any one of the implementation methods of the above-mentioned ETC payment and settlement method based on the alliance chain.

[0037] The embodiment of the present application provides an ETC payment and clearing method, device and equipment based on the alliance chain, which first obtains the payment transaction information in the ETC channel to be cleared, and then uploads the payment transaction information to the chain according to the pre-built alliance chain; wherein the alliance chain includes a ministerial-level networked settlement management center, a provincial and municipal-level networked settlement management center, a clearing bank and a customer, and then, according to the smart contract in the alliance chain, processes the payment transaction information on the chain to obtain the ETC payment and clearing result. Thus, the payment and clearing of ETC can be completed more quickly and accurately based on the pre-built alliance chain. BRIEF DESCRIPTION OF THE DRAWINGS

[0038] In order to more clearly illustrate the embodiments of the present application or the technical solutions in the prior art, the drawings required for use in the embodiments or the description of the prior art will be briefly introduced below. Obviously, the drawings described below are some embodiments of the present application. For ordinary technicians in this field, other drawings can be obtained based on these drawings without paying any creative work.

[0039] Figure 1 This is one of the existing ETC business architecture diagrams;

[0040] Figure 2 This is the second diagram of the existing ETC business architecture;

[0041] Figure 3 A flowchart of an ETC payment and settlement method based on a consortium chain provided in an embodiment of the present application;

[0042] Figure 4 Schematic diagram of the organizational structure of the ETC business alliance chain provided in the embodiment of the present application;

[0043] Figure 5 A schematic diagram of the organizational structure of the ETC business alliance chain certificate system provided for the embodiment of the present application;

[0044] Figure 6 A schematic diagram of the composition of an ETC payment and clearing device based on an alliance chain provided in an embodiment of the present application. DETAILED DESCRIPTION

[0045] There are two common methods for ETC payment settlement. One is to use the "layer-by-layer transmission and central processing" method for clearing and settlement. Figure 1As shown. The toll data is transmitted to the networked toll settlement management center through toll stations and toll centers. The settlement center processes the toll data, calculates the clearing data, and requires the card issuing company to pay the IC card consumption fee, and transfers the consumption fee to each highway operating company through the clearing bank. Another way is to use blockchain as a storage medium, combine blockchain technology with high-speed CPC toll technology, and realize the distributed storage of high-speed vehicle data. The specific ETC business architecture is shown in Appendix 2.

[0046] However, the above two ETC payment and settlement methods have the following four problems:

[0047] (1) The system security is not high.

[0048] The highway network settlement management centers at all levels are responsible for ETC user settlement information, data verification, fee calculation, clearing bank payment and other services, and are the central nodes of the entire ETC payment system. At the same time, for the two payment methods of ETC: bookkeeping method and prepayment method, since the ETC bookkeeping method is to consume first and then pay, data security is equivalent to fund security. Once the network settlement management centers at all levels have service anomalies or data damage, loss and other failures, it will affect the normal operation of the entire ETC cross-provincial payment business.

[0049] (2) Business processing efficiency is low and management costs are high.

[0050] In the above two ETC payment and settlement methods, each business needs to be processed interactively by multiple institutions, and the business process involves a large number of online checks. In addition, the main business process revolves around business roles such as the road section center, provincial (municipal) level network settlement management center, and ministerial level network settlement management center. Each business role processes in series, the business cycle is long, and institutions cannot obtain information in a timely manner, resulting in low business processing efficiency. Figure 2 The ETC business architecture shown in the figure only uses blockchain as a storage medium. Although it ensures the security and immutability of data, it does not fundamentally change the existing ETC payment business process and optimize and improve the business efficiency of each link. In addition, since the blockchain itself is limited by the performance of the consensus algorithm and the network environment, its own business throughput is limited, the transaction processing time is long, and the types and versions of blockchains used by the networked settlement centers of various provinces and cities are different. Therefore, the use of a multi-layer blockchain solution may further highlight the disadvantages of the blockchain, resulting in a further decrease in throughput and transaction processing time, which will bring technical and performance bottlenecks to business expansion.

[0051] (3) The ETC certificate application process is cumbersome.

[0052] In the above two ETC payment and settlement methods, it is impossible to conveniently provide unified credentials. Users are required to go to the bank that opened the payment to issue payment receipts themselves. This is an extremely unfriendly user experience. At the same time, the circulation of relevant credentials also faces the problem of lengthy processes.

[0053] (4) There are property risks.

[0054] ETC must be bound to a bank card. When driving on the highway, toll booths use induction signals to complete the deduction. Due to the technical characteristics of ETC, criminals can use technology to steal funds from customers' bound bank cards, posing risks to users' property safety. At the same time, in the face of the phenomenon of fraud, due to the lack of corresponding technical support, it is time-consuming and labor-intensive to investigate and track.

[0055] In order to solve the above defects, the embodiment of the present application provides an ETC payment and clearing method based on the alliance chain, which first obtains the payment transaction information in the ETC channel to be cleared, and then, according to the pre-built alliance chain, the payment transaction information is put on the chain; wherein the alliance chain includes the ministerial-level networked settlement management center, the provincial and municipal-level networked settlement management center, the clearing bank and the customer, and then, according to the smart contract in the alliance chain, the payment transaction information on the chain is processed to obtain the ETC payment and clearing result. Thus, based on the pre-built alliance chain, the payment and clearing of ETC can be completed more quickly and accurately.

[0056] In order to make the purpose, technical solution and advantages of the embodiments of the present application clearer, the technical solution in the embodiments of the present application will be clearly and completely described below in conjunction with the drawings in the embodiments of the present application. Obviously, the described embodiments are part of the embodiments of the present application, not all of the embodiments. Based on the embodiments in the present application, all other embodiments obtained by ordinary technicians in this field without creative work are within the scope of protection of this application.

[0057] First embodiment

[0058] See also Figure 3 , is a flow chart of an ETC payment and settlement method based on a consortium chain provided in this embodiment, the method comprising the following steps:

[0059] S301: Obtain payment transaction information in the ETC channel to be cleared.

[0060] In this embodiment, in order to complete the payment settlement of ETC more quickly and accurately, it is first necessary to obtain the payment transaction information in the ETC channel to be settled, so as to realize the payment settlement of the ETC through subsequent steps S302-S303.

[0061] Among them, the payment transaction information may include the payment transaction address, inter-provincial transaction address, customer number, customer name, license plate number information, vehicle registration information, road center information, provincial (municipal) network settlement center information, route information, and fee information.

[0062] S302: Upload payment transaction information to the pre-built alliance chain; the alliance chain includes a ministerial-level online settlement management center, provincial and municipal-level online settlement management centers, clearing banks, and customers.

[0063] In this embodiment, after obtaining the payment transaction information in the ETC channel to be cleared in step S301, the payment transaction information can be further uploaded to the chain according to the pre-built alliance chain; wherein the organizational structure of the ETC business alliance chain is as follows: Figure 4 As shown, the alliance chain can include a ministerial-level networked settlement management center, provincial and municipal-level networked settlement management centers, clearing banks and customers.

[0064] Specifically, first, according to the ETC payment and clearing roles, the blockchain nodes corresponding to the participating institutions participating in the ETC payment and clearing can be determined, including the provincial (municipal) level network settlement management center, the toll road network settlement management center (ministerial network settlement management center), and the clearing bank. Therefore, the ETC business alliance chain (ETCBChain) can be constructed based on these blockchain nodes, and the business process processing of the participating institutions can be published on the ETC business alliance chain.

[0065] In addition, each node in the ETC business alliance chain runs the same program and maintains the same blockchain data; the CA node is deployed in the ministerial-level network settlement management center, which manages the identity authentication, joining and exiting of each node in the alliance chain by issuing certificates. The alliance chain controls the authority of each participant through mechanisms such as certificates and encryption algorithms.

[0066] The ETC business alliance chain CA issues digital certificates for each provincial (municipal) level network settlement management center; each provincial (municipal) level network settlement management center node issues a transaction access certificate for the high-speed toll station (equipment) under its jurisdiction based on the certificate issued by the CA, thereby ensuring that the clearing bank will only process payment transactions signed by the certified certificate. Figure 5 shown.

[0067] Among them, see Figure 5 , User certificate user.cert: used to implement the identity authentication of the participants. Each role of each organization needs to apply for a blockchain user, and the blockchain user is the subject who initiates transactions on the blockchain. Initially, by registering the user on the blockchain platform, a pair of public and private keys is generated, and a user certificate is applied for as the identity authentication credential for information exchange between users.

[0068] Ecert node certificate (ecert.cert): used to control blockchain nodes to enter the blockchain network. Only nodes holding Ecert can access the blockchain, ensuring the compliance and security of blockchain node deployment and access.

[0069] TCert transaction certificate (tcert.cert): Ecert node certificate can further issue transaction certificate Tcert. Each transaction can be signed with TCert to achieve transaction layer security.

[0070] Rcert certificate (rcert.cert): used to control whether the access node is a full verification node or a lightweight non-verification node. A full verification node is a full-function node that participates in the consensus of the blockchain and has the permission to write and view blockchain data; a non-verification node does not participate in the consensus and only has the permission to view the blockchain, but cannot write data.

[0071] In the ETC business alliance chain, root.ca is managed by the ministerial-level network settlement management center, and the corresponding user.cert, ecert.cert, and rcert.cert are issued to the alliance chain participants. Based on this certificate system, the ETC business alliance chain implements alliance chain network access control, contract access control, transaction initiation control, user data privacy protection and other functions.

[0072] S303: According to the smart contract in the alliance chain, the payment transaction information on the chain is processed to obtain the ETC payment settlement result.

[0073] In this embodiment, after the payment transaction information is uploaded to the chain in step S302, the payment transaction information on the chain can be further processed according to the smart contract in the alliance chain to obtain the ETC payment settlement result.

[0074] It should be noted that an optional implementation method is that before executing step S303, it is necessary to generate a smart contract for the alliance chain based on the business rules and the agreement signed between the participating institutions in the alliance chain.

[0075] Specifically, in this implementation, a smart contract can be generated based on the business rules and the agreement signed between the participating institutions. Then, the ETC payment and clearing business can be processed based on the information and smart contracts in the ETC business alliance chain. The above smart contracts are accessed accordingly so that authorized users can access the smart contracts.

[0076] Moreover, through this smart contract, all participants in the ETC business alliance chain can access the data stored in the blockchain (such as payment transaction information on the chain). The data stored on the chain is the source data that has been encrypted and serialized.

[0077] In a possible implementation method of an embodiment of the present application, when the ETC payment settlement is the intra-provincial ETC payment settlement, the specific implementation process of this step S303 may include: when a vehicle passes through a toll station, the toll center encrypts the confirmed route information and vehicle information of the vehicle to obtain the encrypted payment transaction information, and sends the encrypted payment transaction information to the provincial and municipal network settlement management center; the provincial and municipal network settlement management center verifies the encrypted payment transaction information, and after the verification is passed, pushes the verified payment transaction information to the clearing bank, so that the clearing bank can complete the ETC payment settlement according to the verified payment transaction information and obtain the ETC payment settlement result.

[0078] Specifically, in this implementation, the ETC business alliance chain business is processed based on the ETC business alliance chain smart contract, including: first, for the payment and settlement within the province, when the vehicle passes through the toll station, the section center (toll center) confirms the vehicle's route information and vehicle information, and pre-processes the above information, verifies the correctness, and verifies the validity, calculates the provincial fee information, encrypts and signs the vehicle's provincial route information and fee information, and sends them to the corresponding provincial (municipal) level networked settlement management center.

[0079] Secondly, with regard to the payment settlement within the province, after the provincial (municipal) level network settlement management center receives the payment transaction information pushed by the road section center, it will verify the signature, data integrity, and data correctness of the transaction information, and then upload it to the blockchain for storage through a smart contract, and notify the customer of the ETC opening bank payment transaction information based on the message push mechanism of the smart contract.

[0080] Furthermore, for the payment and settlement within the province, after the customer's ETC opening bank receives the message pushed by the ETC business alliance chain, it can obtain the corresponding payment transaction from the blockchain. First, the transaction signature is verified to ensure that the transaction is initiated by the CA-certified provincial (municipal) level network settlement management center; secondly, the correctness of the transaction data is checked; then, the transaction is processed and the corresponding funds are transferred to the section center corresponding to the transaction; finally, an electronic payment voucher is generated and uploaded to the blockchain, and the electronic voucher ID (chain address) is fed back to the provincial (municipal) level network settlement management center and the customer through a smart contract for inspection.

[0081] In a possible implementation of the embodiment of the present application, when the ETC payment settlement is an inter-provincial ETC payment settlement, the specific implementation process of this step S303 may include: when the vehicle passes through the toll station, the toll center calculates the provincial fee information according to the vehicle's intra-provincial route information and vehicle information, and uploads the provincial fee information to the blockchain; when the vehicle leaves the expressway toll station, the toll center calculates the inter-provincial and intra-provincial fee information according to the vehicle's inter-provincial and intra-provincial route information and vehicle information, and encrypts the inter-provincial and intra-provincial route information and the inter-provincial and intra-provincial fee information to obtain the encrypted payment transaction information, and sends the encrypted payment transaction information to the provincial and municipal network settlement management center. The provincial and municipal network settlement management center verifies the encrypted payment transaction information, and after the verification is passed, pushes the verified payment transaction information to the clearing bank, so that the clearing bank completes the ETC payment settlement according to the verified payment transaction information and obtains the ETC payment settlement result.

[0082] Specifically, in this implementation, based on the ETC business alliance chain smart contract, the ETC business alliance chain business is processed, including: first, for cross-provincial payment settlement, when a vehicle passes through a toll station, the section center (toll center) confirms the vehicle's route information and vehicle information, and pre-processes the above information, verifies the path integrity, correctness, and validity, calculates the provincial fee information, and uploads the vehicle's provincial route information and fee information to the blockchain through a smart contract for storage and marks the current on-chain payment transaction as an inter-provincial transaction. Inter-provincial transactions are used to record the vehicle's path information and fee information in different provinces, and users calculate the total fee.

[0083] Secondly, for cross-provincial payment and settlement, when a vehicle drives down the highway toll station, the section center (toll center) will confirm the vehicle information and all route information (inter-provincial and intra-provincial) of the vehicle, and pre-process, verify the path integrity, correctness and validity of the above information, calculate all fee information (inter-provincial and intra-provincial), encrypt and sign all the vehicle's route information (inter-provincial and intra-provincial) and fee information, and send them to the corresponding provincial (municipal) level networked settlement management center.

[0084] Among them, for cross-provincial payment settlement, the following method is used to calculate vehicle route information and fees: when the vehicle leaves the highway, the section center (toll collection center) confirms the vehicle information and all route information (inter-provincial and intra-provincial), and traces each payment transaction of the vehicle according to the "inter-provincial transaction address" in the "payment transaction" data structure, until the payment transaction information is traced back to the time when the vehicle enters the highway. The section center performs integrity verification on all path information and calculates the full trip fee.

[0085] Next, for cross-provincial payment settlement, after the provincial (municipal) level network settlement management center receives the payment transaction information pushed by the road section center, it will verify the signature, data integrity, and data correctness of the transaction information, and then upload it to the blockchain for storage through a smart contract, and notify the customer of the ETC opening bank payment transaction information based on the message push mechanism of the smart contract.

[0086] Furthermore, for cross-provincial payment settlement, after the customer's ETC opening bank receives the message pushed by the ETC business alliance chain, it can obtain the corresponding payment transaction from the blockchain. First, the transaction signature is verified to ensure that the transaction is initiated by the CA-certified provincial (municipal) level network settlement management center; secondly, the correctness of the transaction data is checked; then, the transaction is processed and the corresponding funds are transferred to the section center corresponding to the transaction; finally, an electronic payment voucher is generated and uploaded to the blockchain, and the electronic voucher ID (chain address) is fed back to the provincial (municipal) level network settlement management center and the customer through a smart contract for inspection.

[0087] Finally, customers can check their highway toll payment records through the mobile APP and download electronic payment receipts. At the same time, customers can check their pre-deposit deduction records and the starting point of their trip through the APP.

[0088] In this way, through the above-mentioned ETC payment and settlement method based on the alliance chain, the following five beneficial effects can be obtained:

[0089] (1) Higher system security and data security. In the ETC payment and settlement method and system based on blockchain, multiple nodes in the alliance chain jointly maintain payment transaction information, and each full node stores the full amount of payment transaction information. Therefore, there is no single node performance bottleneck, and to a certain extent, the high security of the system is guaranteed, which can ensure data redundancy and greatly improve the stability of the overall operation. In addition, blockchain contract data is stored in a serialized manner to ensure data security. The serialized storage data storage address and serialization rules are opaque, so that data security can be guaranteed to a certain extent.

[0090] (2) Optimize business processes, reduce management costs, and improve execution efficiency. Smart contracts based on blockchain have the characteristics of determinism, real-time, autonomy, observability, and verifiability. Through the digital certificate mechanism, each participant in the alliance chain is given a digital identity, and access control and permission control of the digital identity are performed based on smart contracts. Based on the data sharing characteristics of blockchain, through the automation and autonomy of smart contracts, the time overhead of business flow is reduced, the overall efficiency is improved, and the customer business experience is improved. At the same time, as a lightweight node, customers can join the alliance chain network through the ETC opening bank alliance chain node, and can view the ETC business deduction and payment records in real time, further improving the customer experience.

[0091] (3) Digital evidence storage and traceability. The blockchain-based ETC business alliance chain realizes the automation of compliance, improves data transparency, reduces service costs, and realizes the automatic processing and on-chain retention of business operation records, business processes, execution results, and business credentials. In addition, the on-chain records are maintained by multiple parties, are tamper-proof, non-repudiatory, and traceable.

[0092] (4) Strong privacy protection. The access and modification of data on the blockchain are all based on smart contracts. The system ensures that only authorized users can access the relevant smart contracts through access control of smart contracts. First, the system maintains the role permission information of the participants (users), including the participant account, participant role, and the smart contract interface accessible to the participant. When the consortium chain participant calls the blockchain interface, the system will first query the role permission information to obtain the list of contract interfaces accessible to the participant. If the participant role does not have access to a certain contract interface, the contract will be refused to be called.

[0093] (5) Effectively protect the safety of customer property. Use blockchain to create a service network between devices using smart contracts, create distributed and shared applications, and use blockchain encryption and signature verification technology to balance privacy and the value of digital assets. In the ETC business alliance chain, every deduction and payment transaction requires signature verification to ensure that the transaction is initiated by a CA-certified provincial (municipal) level network settlement management center; or, it is initiated by a high-speed toll station certified by a provincial (municipal) level network settlement management center, effectively preventing ETC fraud and protecting customer property from being illegally stolen.

[0094] In summary, the present embodiment provides an ETC payment and clearing method based on the alliance chain, which first obtains the payment transaction information in the ETC channel to be cleared, and then uploads the payment transaction information to the chain according to the pre-built alliance chain; wherein the alliance chain includes the ministerial-level networked settlement management center, the provincial and municipal-level networked settlement management center, the clearing bank and the customer, and then, according to the smart contract in the alliance chain, processes the payment transaction information on the chain to obtain the ETC payment and clearing result. Thus, the payment and clearing of ETC can be completed more quickly and accurately based on the pre-built alliance chain.

[0095] Second embodiment

[0096] This embodiment will introduce an ETC payment and settlement device based on the alliance chain. For related content, please refer to the above method embodiment.

[0097] See also Figure 6 , is a schematic diagram of the composition of an ETC payment and clearing device based on a consortium chain provided in this embodiment, the device includes:

[0098] An acquisition unit 601 is used to acquire payment transaction information in the ETC channel to be cleared;

[0099] The chain unit 602 is used to chain the payment transaction information according to the pre-built alliance chain; the alliance chain includes the ministerial network settlement management center, the provincial and municipal network settlement management center, the clearing bank and the customer;

[0100] The obtaining unit 603 is used to process the payment transaction information on the chain according to the smart contract in the alliance chain to obtain the ETC payment settlement result.

[0101] In an implementation of this embodiment, the device further includes:

[0102] A generation unit is used to generate a smart contract of the alliance chain according to business rules and the agreement signed between the participating institutions in the alliance chain.

[0103] In an implementation of this embodiment, when the ETC payment settlement is intra-provincial ETC payment settlement; the obtaining unit 603 is specifically used to:

[0104] When a vehicle passes through a toll station, the toll collection center encrypts the confirmed route information and vehicle information of the vehicle to obtain encrypted payment transaction information, and sends the encrypted payment transaction information to the provincial and municipal network settlement management center;

[0105] The provincial and municipal network settlement management center verifies the encrypted payment transaction information, and after passing the verification, pushes the verified payment transaction information to the clearing bank;

[0106] The clearing bank completes the ETC payment clearing based on the verified payment transaction information and obtains the ETC payment clearing result.

[0107] In an implementation of this embodiment, when the ETC payment settlement is inter-provincial ETC payment settlement; the obtaining unit 603 is specifically used to:

[0108] When a vehicle passes through a toll station, the toll collection center calculates the provincial fee information based on the intra-provincial route information and vehicle information of the vehicle, and uploads the provincial fee information to the blockchain; when the vehicle leaves the expressway toll station, the toll collection center calculates the inter-provincial and intra-provincial fee information based on the inter-provincial and intra-provincial route information and vehicle information of the vehicle, and encrypts the inter-provincial and intra-provincial route information and the inter-provincial and intra-provincial fee information to obtain the encrypted payment transaction information, and sends the encrypted payment transaction information to the provincial and municipal network settlement management center;

[0109] The provincial and municipal network settlement management center verifies the encrypted payment transaction information, and after passing the verification, pushes the verified payment transaction information to the clearing bank;

[0110] The clearing bank completes the ETC payment clearing based on the verified payment transaction information and obtains the ETC payment clearing result.

[0111] In summary, the present embodiment provides an ETC payment and clearing device based on a consortium chain, which first obtains payment transaction information in the ETC channel to be cleared, and then uploads the payment transaction information to the chain according to the pre-built consortium chain; wherein the consortium chain includes a ministerial-level networked settlement management center, a provincial and municipal-level networked settlement management center, a clearing bank, and a customer, and then, according to the smart contract in the consortium chain, processes the payment transaction information on the chain to obtain the ETC payment and clearing result. Thus, the payment and clearing of ETC can be completed more quickly and accurately based on the pre-built consortium chain.

[0112] Furthermore, the embodiment of the present application also provides an ETC payment and clearing device based on the alliance chain, including: a processor, a memory, and a system bus;

[0113] The processor and the memory are connected via the system bus;

[0114] The memory is used to store one or more programs, and the one or more programs include instructions, which, when executed by the processor, enable the processor to execute any implementation method of the above-mentioned ETC payment and settlement method based on the alliance chain.

[0115] Furthermore, an embodiment of the present application also provides a computer-readable storage medium, which stores instructions. When the instructions are executed on a terminal device, the terminal device executes any one of the implementation methods of the above-mentioned ETC payment and settlement method based on the alliance chain.

[0116] It can be known from the description of the above implementation mode that those skilled in the art can clearly understand that all or part of the steps in the above-mentioned embodiment method can be implemented by means of software plus a necessary general hardware platform. Based on such an understanding, the technical solution of the present application can be essentially or partly embodied in the form of a software product that contributes to the prior art. The computer software product can be stored in a storage medium such as ROM / RAM, a disk, an optical disk, etc., including several instructions for enabling a computer device (which can be a personal computer, a server, or a network communication device such as a media gateway, etc.) to execute the methods described in the various embodiments of the present application or certain parts of the embodiments.

[0117] It should be noted that the various embodiments in this specification are described in a progressive manner, and each embodiment focuses on the differences from other embodiments, and the same or similar parts between the various embodiments can be referred 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 parts can be referred to the method part description.

[0118] It should also be noted that, in this article, relational terms such as first and second, etc. are only used to distinguish one entity or operation from another entity or operation, and do not necessarily require or imply any such actual relationship or order between these entities or operations. Moreover, the terms "include", "comprise" or any other variants thereof are intended to cover non-exclusive inclusion, so that a process, method, article or device including a series of elements includes not only those elements, but also other elements not explicitly listed, or also includes elements inherent to such process, method, article or device. In the absence of further restrictions, the elements defined by the sentence "comprise a ..." do not exclude the presence of other identical elements in the process, method, article or device including the elements.

[0119] The above description of the disclosed embodiments enables those skilled in the art to implement or use the present application. Various modifications to these embodiments will be apparent to those skilled in the art, and the general principles defined herein may be implemented in other embodiments without departing from the spirit or scope of the present application. Therefore, the present application will not be limited to the embodiments shown herein, but will conform to the widest scope consistent with the principles and novel features disclosed herein.

Claims

1. An ETC payment and settlement method based on alliance chain, characterized in that: include: Obtain payment transaction information in the ETC channel to be cleared; The payment transaction information is uploaded to the chain according to the pre-built alliance chain; the alliance chain includes the ministerial-level network settlement management center, the provincial and municipal-level network settlement management center, the clearing bank and the customer; According to the smart contract in the alliance chain, the payment transaction information on the chain is processed to obtain the ETC payment settlement result. The smart contract is generated according to the business rules and the agreement signed between the participating institutions in the alliance chain. The smart contract has access control so that authorized users can access the smart contract. When the ETC payment settlement is inter-provincial ETC payment settlement; According to the smart contract in the alliance chain, the payment transaction information on the chain is processed to obtain the ETC payment settlement result, including: When a vehicle passes through a toll station, the toll collection center calculates the provincial fee information based on the intra-provincial route information and vehicle information of the vehicle, and uploads the provincial fee information to the blockchain; when the vehicle leaves the expressway toll station, the toll collection center calculates the inter-provincial and intra-provincial fee information based on the inter-provincial and intra-provincial route information and vehicle information of the vehicle, and encrypts the inter-provincial and intra-provincial route information and the inter-provincial and intra-provincial fee information to obtain the encrypted payment transaction information, and sends the encrypted payment transaction information to the provincial and municipal network settlement management center; The provincial and municipal network settlement management center verifies the encrypted payment transaction information, and after passing the verification, pushes the verified payment transaction information to the clearing bank; The clearing bank completes the ETC payment clearing according to the verified payment transaction information and obtains the ETC payment clearing result; When the ETC payment settlement is an intra-provincial ETC payment settlement; the payment transaction information on the chain is processed according to the smart contract in the alliance chain to obtain the ETC payment settlement result, including: When a vehicle passes through a toll station, the toll collection center encrypts the confirmed route information and vehicle information of the vehicle to obtain encrypted payment transaction information, and sends the encrypted payment transaction information to the provincial and municipal network settlement management center; The provincial and municipal network settlement management center verifies the encrypted payment transaction information, and after passing the verification, pushes the verified payment transaction information to the clearing bank; The clearing bank completes the ETC payment clearing based on the verified payment transaction information and obtains the ETC payment clearing result.

2. An ETC payment and clearing device based on alliance chain, characterized in that: include: An acquisition unit, used to acquire payment transaction information in the ETC channel to be cleared; A chain unit, used for chaining the payment transaction information according to a pre-built alliance chain; the alliance chain includes a ministerial-level network settlement management center, a provincial and municipal-level network settlement management center, a clearing bank and a customer; An obtaining unit, used to process the payment transaction information on the chain according to the smart contract in the alliance chain to obtain the ETC payment settlement result, wherein the smart contract is generated according to the business rules and the agreement signed between the participating institutions in the alliance chain, and the smart contract has access control so that authorized users can access the smart contract; When the ETC payment settlement is inter-provincial ETC payment settlement; the obtaining unit is specifically used for: When a vehicle passes through a toll station, the toll collection center calculates the provincial fee information based on the intra-provincial route information and vehicle information of the vehicle, and uploads the provincial fee information to the blockchain; when the vehicle leaves the expressway toll station, the toll collection center calculates the inter-provincial and intra-provincial fee information based on the inter-provincial and intra-provincial route information and vehicle information of the vehicle, and encrypts the inter-provincial and intra-provincial route information and the inter-provincial and intra-provincial fee information to obtain the encrypted payment transaction information, and sends the encrypted payment transaction information to the provincial and municipal network settlement management center; The provincial and municipal network settlement management center verifies the encrypted payment transaction information, and after passing the verification, pushes the verified payment transaction information to the clearing bank; The clearing bank completes the ETC payment clearing according to the verified payment transaction information and obtains the ETC payment clearing result; When the ETC payment settlement is intra-provincial ETC payment settlement; the obtaining unit is specifically used for: When a vehicle passes through a toll station, the toll collection center encrypts the confirmed route information and vehicle information of the vehicle to obtain encrypted payment transaction information, and sends the encrypted payment transaction information to the provincial and municipal network settlement management center; The provincial and municipal network settlement management center verifies the encrypted payment transaction information, and after passing the verification, pushes the verified payment transaction information to the clearing bank; The clearing bank completes the ETC payment clearing based on the verified payment transaction information and obtains the ETC payment clearing result.

3. An ETC payment and clearing device based on alliance chain, characterized in that: include: Processor, memory, system bus; The processor and the memory are connected via the system bus; The memory is used to store one or more programs, wherein the one or more programs include instructions, and when the instructions are executed by the processor, the processor is caused to perform the method of claim 1.

4. A computer-readable storage medium, characterized in that: The computer-readable storage medium stores instructions, and when the instructions are executed on a terminal device, the terminal device executes the method according to claim 1.

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