Vehicle multi-account deduction method, device, equipment and storage medium

Abstract

The present invention discloses a vehicle multi-account deduction method, device, equipment and storage medium, which relates to the field of artificial intelligence technology and is applicable to the field of financial information service technology, such as bank and other application scenarios. The method includes receiving a deduction request from an ETC account; deducting fees from a first deduction server corresponding to the ETC account according to the deduction amount in the deduction request from the ETC account; when the deduction from the first deduction server fails, deducting fees from the first deduction server or the second deduction server according to the characteristics of the first deduction server, the deduction amount and the second deduction server corresponding to the ETC account, wherein each second deduction server corresponds to multiple first deduction servers. The present invention realizes the deduction of multiple deduction accounts with corresponding relationships under a public ETC account, solving the problem that the prior art does not support deduction of multiple accounts under a public ETC account.

Description

Technical Field

[0001] The present invention relates to the field of artificial intelligence technology, and is applicable to the field of financial information service technology, such as application scenarios such as banks, and in particular to a vehicle multi-account deduction method, device, equipment and storage medium. Background Art

[0002] In the prior art, the Electronic Toll Collection (ETC) system is targeted at a vehicle, an ETC card and a bank. When a vehicle equipped with an ETC device passes through a toll station, the fee can be automatically deducted from the bank account bound to the ETC.

[0003] In the existing ETC deduction method, the deduction is made from the bank account that has signed a contract with the ETC account. There are many ETC deduction scenarios. The simplest one is a personal credit card, which directly deducts money from the bank account bound to the ETC account. The type of personal credit card is a debit card. Since the debit card itself has no overdraft limit, in order to ensure the success of the ETC account deduction and avoid the bank's advance payment, it is necessary to freeze the funds of the personal credit card. The personal ETC account can directly freeze the funds of the deduction account, but the public ETC account may be bound to multiple bank cards. Therefore, freezing the funds of all bank cards under the public ETC account will reduce the user's convenience. In order to facilitate the management of funds, enterprises often adopt a special fund for special purpose system, that is, the same bank account is only responsible for the expenditure of one business, so multiple public ETC accounts need to be deducted from the same bank account. Faced with complex ETC deduction scenarios, the existing ETC deduction process lacks a multi-account deduction method under the public ETC account.

[0004] There is an urgent need for a vehicle multi-account deduction method to solve the problem that the existing technology does not support deductions from multiple accounts under a public ETC account. Summary of the invention

[0005] In order to solve the problem that the prior art does not support deductions from multiple accounts under a public ETC account, an embodiment of the present invention provides a vehicle multi-account deduction method, device, equipment and storage medium, which realizes deductions from multiple accounts under a public ETC account.

[0006] In order to solve the above technical problems, the specific technical solutions of the present invention are as follows:

[0007] On the one hand, an embodiment of the present invention provides a vehicle multi-account deduction method, comprising:

[0008] Receive deduction requests from ETC accounts;

[0009] Deducting fees from a first deduction server corresponding to the ETC account according to the deduction amount in the deduction request of the ETC account;

[0010] When the deduction from the first deduction server fails, the deduction is performed from the first deduction server or the second deduction server according to the characteristics of the first deduction server, the deduction amount and the second deduction server corresponding to the ETC account, wherein each of the second deduction servers corresponds to multiple first deduction servers.

[0011] Further, the characteristics of the first deduction server include a balance of the first deduction server;

[0012] Deducting the deduction amount according to the characteristics of the second deduction server corresponding to the ETC account and the first deduction server further includes:

[0013] Determine the recharge amount according to the deduction amount and / or the balance of the first deduction server;

[0014] Recharging the first payment deduction server from the second payment deduction server according to the recharge amount;

[0015] After the recharging is completed, the deduction amount is deducted from the first deduction server.

[0016] Furthermore, recharging the first deduction server from the second deduction server according to the recharge amount further includes:

[0017] Recharge the first deduction server according to the maximum recharge amount of the second deduction server.

[0018] Further, the characteristics of the first deduction server include historical deduction data of the first deduction server;

[0019] The method further comprises,

[0020] Building a consumption model of the ETC account according to the historical deduction data and historical recharge data of the first deduction server;

[0021] The deduction request of the ETC account is processed according to the consumption model.

[0022] Furthermore, the consumption model includes a predetermined recharge amount and recharge time of the first deduction server;

[0023] Before processing the deduction request of the ETC account according to the consumption model, the method further includes recharging the first deduction server from the second deduction server according to the predetermined recharge amount and the recharge time.

[0024] Furthermore, processing the deduction request of the ETC account according to the consumption model further includes:

[0025] After the recharge amount is determined based on the deduction amount and / or the balance of the first deduction server, the rationality of the recharge amount is verified based on the recharge amount, the time of the deduction request of the ETC account, and the consumption model of the ETC account, and the first deduction server is recharged based on the result of the rationality verification.

[0026] Furthermore, verifying the rationality of the recharge amount according to the recharge amount, the time of the deduction request of the ETC account, and the consumption model of the ETC account further includes:

[0027] Calculate a predicted recharge amount according to the time of the deduction request of the ETC account and the consumption model of the ETC account;

[0028] The rationality of the recharge amount is verified based on the predicted recharge amount.

[0029] Further, when the result of the rationality verification of the recharge amount according to the predicted recharge amount is not passed, the method further includes:

[0030] receiving a recharge request from the second payment deduction server;

[0031] Recharging is performed from the second payment deduction server to the first payment deduction server according to the recharge amount in the recharge request.

[0032] Furthermore, when deduction from the first deduction server or the second deduction server fails based on the characteristics of the first deduction server, the deduction amount and the second deduction server corresponding to the ETC account, the method also includes deducting the deduction amount based on the third deduction server corresponding to the ETC account.

[0033] Furthermore, deducting the deduction amount according to the third deduction server corresponding to the ETC account further includes deducting the deduction amount from the third deduction server according to the maximum deduction amount of the third deduction server.

[0034] Furthermore, the first deduction server includes a plurality of sub-deduction servers;

[0035] According to the deduction amount in the deduction request of the ETC account, deducting from the first deduction server corresponding to the ETC account further includes:

[0036] Deductions are made based on the deduction amount and the deduction priority or deduction ratio of each sub-deduction server.

[0037] On the other hand, an embodiment of the present invention further provides a vehicle multi-account fee deduction device, comprising:

[0038] A deduction request receiving unit, used to receive a deduction request from an ETC account;

[0039] A first deduction unit, configured to deduct fees from a first deduction server corresponding to the ETC account according to a deduction amount in a deduction request of the ETC account;

[0040] The second deduction unit is used to deduct fees from the first deduction server or the second deduction server when the deduction from the first deduction server fails, according to the characteristics of the first deduction server, the deduction amount and the second deduction server corresponding to the ETC account, wherein each of the second deduction servers corresponds to multiple first deduction servers.

[0041] On the other hand, an embodiment of the present invention further provides a computer device, including a memory, a processor, and a computer program stored in the memory, and the processor implements the above method when executing the computer program.

[0042] On the other hand, an embodiment of the present invention further provides a computer storage medium on which a computer program is stored. When the computer program is executed by a processor of a computer device, the above method is executed.

[0043] Finally, the present invention also provides a computer program product, which, when executed by a processor of a computer device, executes instructions according to the above method.

[0044] By utilizing the embodiment of the present invention, a first deduction server and a second deduction server having a corresponding relationship are bound to the same public ETC account. When the deduction amount in the deduction request of the first deduction server to the ETC account fails, the deduction amount is deducted according to the second deduction server having a corresponding relationship with the first deduction server and the characteristics of the first deduction server, wherein the first deduction server and the second deduction server can correspond to different accounts respectively, so that when the deduction from the first deduction server fails, the deduction amount of the second deduction server having a corresponding relationship with the first payment server is set according to the characteristics of the first deduction server, thereby realizing deduction of multiple deduction accounts having a corresponding relationship under the public ETC account, solving the problem that the prior art does not support deduction of multiple accounts under the public ETC account. BRIEF DESCRIPTION OF THE DRAWINGS

[0045] In order to more clearly illustrate the embodiments of the present invention 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 only some embodiments of the present invention. For ordinary technicians in this field, other drawings can be obtained based on these drawings without paying creative work.

[0046] Figure 1 The figure is a schematic diagram of a system for implementing a vehicle multi-account deduction method according to an embodiment of the present invention;

[0047] Figure 2 It is a flow chart of a vehicle multi-account deduction method according to an embodiment of the present invention;

[0048] Figure 3 The embodiment of the present invention shows a process of deducting fees from a first deduction server or a second deduction server according to the characteristics of the first deduction server, the deduction amount, and the second deduction server corresponding to the ETC account;

[0049] Figure 4 The figure shows the process of verifying the rationality of the recharge amount according to the embodiment of the present invention;

[0050] Figure 5 The figure is a schematic diagram of the structure of a vehicle multi-account fee deduction device according to an embodiment of the present invention;

[0051] Figure 6 Shown is a schematic diagram of the structure of a computer device according to an embodiment of the present invention.

[0052]

Description of the accompanying drawings

[0053] 101. Debit terminal;

[0054] 102. Deduction server;

[0055] 501, a fee deduction request receiving unit;

[0056] 502, first deduction unit;

[0057] 503, second deduction unit;

[0058] 601. Computer equipment;

[0059] 602. Processor;

[0060] 603. Memory;

[0061] 604, driving mechanism;

[0062] 605, input / output module;

[0063] 606. Input device;

[0064] 607. Output device;

[0065] 608. Presentation equipment;

[0066] 609. Graphical user interface;

[0067] 610. Network interface;

[0068] 611, communication link;

[0069] 612. Communication bus. DETAILED DESCRIPTION

[0070] The following will be combined with the drawings in the embodiments of the present invention to clearly and completely describe the technical solutions in the embodiments of the present invention. Obviously, the described embodiments are only part of the embodiments of the present invention, not all of the embodiments. Based on the embodiments of the present invention, all other embodiments obtained by ordinary technicians in this field without creative work are within the scope of protection of the present invention.

[0071] It should be noted that the terms "first", "second", etc. in the specification and claims of the present invention and the above-mentioned drawings are used to distinguish similar objects, and are not necessarily used to describe a specific order or sequence. It should be understood that the data used in this way can be interchanged where appropriate, so that the embodiments of the present invention described herein can be implemented in an order other than those illustrated or described herein. In addition, the terms "including" and "having" and any variations thereof are intended to cover non-exclusive inclusions, for example, a process, method, device, product or equipment that includes a series of steps or units is not necessarily limited to those steps or units clearly listed, but may include other steps or units that are not clearly listed or inherent to these processes, methods, products or equipment.

[0072] It should be noted that the steps shown in the flowcharts of the accompanying drawings can be executed in a computer system such as a set of computer executable instructions, and that, although a logical order is shown in the flowcharts, in some cases, the steps shown or described can be executed in an order different from that shown here.

[0073] The acquisition, storage, use, and processing of data in the technical solution of this application comply with the relevant provisions of relevant laws and regulations.

[0074] like Figure 1The diagram shows a system for implementing a vehicle multi-account deduction method according to an embodiment of the present invention, which may include a deduction terminal 101 and a deduction server 102. A communication connection is established between the deduction terminal 101 and the deduction server 102 to achieve data interaction. The deduction terminal 101 may send a deduction request of an ETC account to the deduction server 102, and the deduction request of the ETC account may include a deduction amount.

[0075] In the implementation environment of the vehicle multi-account deduction method described in the embodiment of the present invention, the public ETC account is owned by the company, and each official vehicle under the company is configured with an ETC account. One or more deduction accounts and recharge accounts can be associated with the ETC account of each official vehicle. A reserve fund account can also be configured. One or more deduction accounts can be configured according to the company's business scope for official vehicles. For example, if official vehicle 1 is dedicated to department A, then department A's transportation fee account A can be associated with ETC account 1 of the official vehicle 1. In the application scenario of the embodiment of the present invention, department A's transportation fee account A is deployed in the first deduction server to deduct ETC account 1 from department A's transportation fee account A in the first deduction server. In addition, if the official vehicle 2 is jointly owned by Department B and Department C, the transportation fee account B of Department B and the transportation fee account C of Department C can be associated with the ETC account 2 of the official vehicle 2. In the application scenario of the embodiment of the present invention, the transportation fee account B of Department B and the transportation fee account C of Department C are both deployed in the first deduction server to deduct fees from the ETC account 2 from the transportation fee account B of Department B and the transportation fee account C of Department C in the first deduction server.

[0076] In the application scenario of the embodiment of the present invention, a company-specific transportation fee account can also be associated with the ETC accounts of multiple official vehicles under the company's name according to the company's financial regulations. The transportation fee accounts of each department of the company can be zero-balance accounts, that is, they are only for recording which department's official vehicles have generated transportation fees and the specific amount of the transportation fees. For example, in this application scenario, the transportation fee account A of department A, the transportation fee account B of department B, and the transportation fee account C of department C are all zero-balance accounts, and the company-specific transportation fee account M is respectively associated with the ETC account 1 of official vehicle 1 and the ETC account 2 of official vehicle 2, that is, the company-specific transportation fee account M is deployed in the second deduction server, so that when the deduction of ETC account 1 from the transportation fee account A of department A in the first deduction server or the deduction of ETC account 2 from the transportation fee account B of department B and the transportation fee account C of department C in the first deduction server fails, the ETC account 1 and ETC account 2 are deducted from the company-specific transportation fee account M in the second deduction server.

[0077] In the embodiments of the present specification, the deduction server 102 may include a first deduction server and a second deduction server. The deduction server 102 may be an independent physical server, or a server cluster or distributed system composed of multiple physical servers. It may also be a cloud server that provides basic cloud computing services such as cloud services, cloud databases, cloud computing, cloud functions, cloud storage, network services, cloud communications, middleware services, domain name services, security services, content distribution networks (CDN, Content Delivery Network), and big data and artificial intelligence platforms.

[0078] It should be noted that Figure 1 What is shown is only one application environment provided by the present invention. In actual application, other application environments may also be included, which are not limited in the embodiments of the present invention.

[0079] In order to solve the problem that the prior art does not support deduction of fees from multiple accounts under a public ETC account, an embodiment of the present invention provides a vehicle multi-account deduction method, which realizes deduction of fees from multiple accounts under a public ETC account. Figure 2 The flowchart of a vehicle multi-account deduction method according to an embodiment of the present invention is shown. This figure describes the process of multi-account deduction under the public ETC account of the vehicle, but it may include more or fewer operation steps based on conventional or non-creative labor. The order of steps listed in the embodiment is only one way of executing the steps among many orders, and does not represent the only order of execution. When the system or device product is executed in practice, it can be executed in the order or in parallel according to the method shown in the embodiment or the accompanying drawings. Specifically, as Figure 2 As shown, the method may include:

[0080] Step 201: receiving a fee deduction request from an ETC account;

[0081] Step 202: deducting the fee from the first deduction server corresponding to the ETC account according to the deduction amount in the deduction request of the ETC account;

[0082] Step 203: When the deduction from the first deduction server fails, deduction is performed from the first deduction server or the second deduction server according to the characteristics of the first deduction server, the deduction amount and the second deduction server corresponding to the ETC account, wherein each second deduction server corresponds to multiple first deduction servers.

[0083] Through the method of the embodiment of the present invention, the first deduction server and the second deduction server that have a corresponding relationship are bound to the same public ETC account. When the deduction amount in the deduction request of the first deduction server to the ETC account fails, the deduction amount is deducted according to the second deduction server that has a corresponding relationship with the first deduction server and the characteristics of the first deduction server, wherein the first deduction server and the second deduction server can correspond to different accounts respectively, so that when the deduction from the first deduction server fails, the deduction amount of the second deduction server that has a corresponding relationship with the first payment server is set according to the characteristics of the first deduction server, thereby realizing deduction of multiple deduction accounts with corresponding relationships under the public ETC account, solving the problem that the prior art does not support deduction of multiple accounts under the public ETC account.

[0084] It can be understood that the first deduction server described in the embodiment of the present invention includes the transportation fee account of the company department, and a certain amount of transportation fee can be deposited into the transportation fee account of the department according to the company's financial system, so that each department of the company can manage the ETC consumption of its official vehicles. The second deduction server described in the embodiment of the present invention can include a company-specific transportation fee account. When the transportation fee generated by the ETC account of the department's official vehicle exceeds the balance of the transportation fee account of the department, the transportation fee generated by the ETC account of the department's official vehicle is paid according to the characteristics of the company's special transportation fee account and the transportation fee account of the department.

[0085] In the embodiment of the present invention, the characteristics of the first deduction server may include the balance of the first deduction server, the number of deductions, the deduction amount of each deduction, etc., so as to realize setting the deduction amount of the second deduction server that has a corresponding hierarchical relationship with the first payment server according to the characteristics of the first deduction server. The corresponding relationship between the first deduction server and the second deduction server may be the superior-subordinate relationship between the company toll account and the department toll account in the application scenario described in the embodiment of this article. The toll accounts of multiple departments correspond to the toll account of one company, thereby realizing the deduction of multiple deduction accounts with superior-subordinate relationship under the public ETC account. The corresponding relationship between the first deduction server and the second deduction server described in the embodiment of the present invention may represent the financial hierarchical relationship between the company departments. For example, the finance of the business department is under the jurisdiction of the company's finance department. Therefore, the first deduction server includes the transportation fee account of the business department, and the second deduction server includes the general account of the finance department. Through the vehicle multi-account deduction method described in the embodiment of the present invention, multi-account deduction under the public ETC account is realized, which improves the convenience of the company's financial management.

[0086] It should be noted that the same ETC account can also correspond to multiple second deduction servers, and a second deduction server is designated from the multiple second deduction servers according to the pre-set deduction rules, so that the deduction is made from the first deduction server or the designated second deduction server according to the characteristics of the first deduction server, the deduction amount and the designated second deduction server. For example, a company can open multiple toll accounts in the same bank, and one second deduction server includes one of the toll accounts, and then determine the designated second deduction server (i.e. the designated toll account) according to the toll account designated by the company.

[0087] In some other embodiments of this document, when the deduction from the first deduction server fails, the deduction can also be made from the second deduction server based on the characteristics of the first deduction server, the deduction amount and the second deduction server corresponding to the ETC account, so as to adapt to the different financial regulations of the company.

[0088] According to an embodiment of the present invention, the characteristics of the first deduction server described in step 203 include the balance of the first deduction server;

[0089] like Figure 3 As shown, according to the characteristics of the first deduction server, the deduction amount and the second deduction server corresponding to the ETC account, deducting from the first deduction server or the second deduction server further includes:

[0090] Step 301: determining a recharge amount according to the deduction amount and / or the balance of the first deduction server;

[0091] Step 302: recharging the first deduction server from the second deduction server according to the recharge amount;

[0092] Step 303: After the recharging is completed, the deduction amount is deducted from the first deduction server.

[0093] In an embodiment of the present invention, the recharge amount can be determined according to the deduction amount in the deduction request of the ETC account. For example, the recharge amount is the same as the deduction amount, which can be understood as, in this case, the deduction account in the first deduction server can be a zero balance account, that is, only to record the deduction amount of the ETC account, so as to facilitate the company's financial verification. When the recharge amount is determined according to the balance of the ETC account and the first deduction server, it can be understood that in this case, the deduction amount exceeds the balance of the department's transportation fee account, and the company's transportation fee account is required to allocate funds to the excess transportation fee account of the department, that is, the recharge amount is the difference between the deduction amount and the balance of the first deduction server. However, when the recharge amount is determined according to the balance of the first deduction server, it can be understood that in this case, when the balance of the department's transportation fee account is less than the preset minimum amount, the transportation fee account of the department is recharged through the company's transportation fee account.

[0094] After the recharge from the second deduction server to the first deduction server is completed, the deduction amount is deducted from the first deduction server. It can be understood that the company's transportation fee account in the second deduction server records which department generated the ETC fee and the specific amount, so as to facilitate the company's financial verification.

[0095] In the application scenario of the embodiment of the present invention, the company's financial regulations may include restrictions on departmental ETC fees. Therefore, according to one embodiment of the present invention, step 302 of recharging from the second deduction server to the first deduction server according to the recharge amount further includes:

[0096] Recharge the first deduction server according to the maximum recharge amount of the second deduction server.

[0097] In the embodiment of the present invention, the maximum recharge amount can be set in advance in the second deduction server. When recharging from the second deduction server to the first deduction server, the recharge amount and the maximum recharge amount of the second deduction server are first determined. When the recharge amount is greater than the maximum recharge amount set by the second deduction server, the recharge from the second deduction server to the first deduction server is terminated. It can be understood that if the ETC fee of a department exceeds the company's regulations, the company will no longer recharge the department's transportation fee account.

[0098] In the application scenario of the embodiment of the present invention, in order to further facilitate the company's management of ETC fees, according to an embodiment of the present invention, the characteristics of the first deduction server described in step 203 also include historical deduction data of the first deduction server;

[0099] The method further comprises,

[0100] Building a consumption model of the ETC account according to the historical deduction data and historical recharge data of the first deduction server;

[0101] The deduction request of the ETC account is processed according to the consumption model.

[0102] In an embodiment of the present invention, the historical deduction data of the first deduction server may include the historical deduction time of the first deduction server and the amount of each deduction, and then the consumption model of the ETC account is constructed according to the historical deduction time of the first deduction server, the amount of each deduction and the historical recharge data of the first deduction server. The consumption model includes the relationship between the deduction time, the deduction amount and the recharge data, such as the specific time points at which the first deduction server deducted the fee within a specified time range (for example, within a specified month), the amount of the deduction at each time point and the recharge amount of the second deduction server to the first deduction server at each time point. Finally, the deduction request of the ETC account is processed according to the consumption model, which improves the convenience of the company's management of ETC fees.

[0103] According to an embodiment of the present invention, the consumption model includes a predetermined recharge amount and recharge time of the first deduction server;

[0104] Before processing the deduction request of the ETC account according to the consumption model, the method further includes recharging the first deduction server from the second deduction server according to the predetermined recharge amount and the recharge time.

[0105] In the embodiment of the present invention, the consumption model also includes the scheduled recharge amount and recharge time of the first deduction server, which can be obtained according to the historical deduction data and historical recharge data of the first deduction server. For example, the historical deduction time, the deduction amount of each deduction time and the recharge amount of each deduction time in the first deduction server are analyzed to determine whether the second deduction server is recharged to the first deduction server at each deduction time. If so, the size of the recharge amount is determined, indicating that at the deduction time, the balance of the first deduction server is less than the deduction amount of the ETC account, and the funds of the recharge amount need to be recharged from the second deduction server to the first deduction server. Therefore, in order to facilitate the company's management of ETC fees, the second deduction server can be recharged to the first deduction server before the time, thereby avoiding the inconvenience of recharging from the second deduction server to the first deduction server at the time. It should be noted that the time described in the embodiment of the present invention can be a time point (such as a fixed time point on each working day) or a time period (such as within a certain month). It can be understood that through the above steps, the department's ETC fees are analyzed, and it is concluded that the department's ETC fees exceed the amount stipulated by the company's finances. Then, the department's transportation fee account is recharged in advance from the company's transportation fee account, which improves the convenience of the company's financial management.

[0106] According to one embodiment of the present invention, processing the deduction request of the ETC account according to the consumption model further includes:

[0107] After the recharge amount is determined based on the deduction amount and / or the balance of the first deduction server, the rationality of the recharge amount is verified based on the recharge amount, the time of the deduction request of the ETC account, and the consumption model of the ETC account, and the first deduction server is recharged based on the result of the rationality verification.

[0108] In an embodiment of the present invention, the consumption model of the ETC account may also include the deduction rule of the ETC account, such as periodic deduction, that is, the floating change rule of the deduction amount of the ETC account within a specified period. Therefore, after the recharge amount is determined according to the deduction amount and / or the balance of the first deduction server, it is determined whether the recharge amount complies with the rule according to the recharge amount, the time of the deduction request of the ETC account and the periodic deduction rule of the ETC account. If it complies with the rule, recharge is performed from the second deduction server to the first deduction server. If it does not comply with the rule, recharge from the second deduction server to the first deduction server is stopped. For example, the consumption model of the ETC account of Department A is as follows: from February to March of each year, the ETC fees generated by the official vehicles of Department A are relatively high. During this period, each time an ETC deduction is made, it is necessary to recharge the first deduction server (including the transportation fee account of Department A) from the second deduction server (including the company's transportation fee account). According to the analysis of historical recharge data, the recharge amount for each recharge is between 50 yuan and 100 yuan. However, except for February to March of each year, the ETC fees generated by the official vehicles of Department A are relatively low. During this period, each time an ETC deduction is made, it is not necessary to recharge the first deduction server (including the transportation fee account of Department A) from the second deduction server (including the company's transportation fee account). If the official vehicle of Department A incurred an ETC fee on May 1, the recharge amount is determined to be 500 yuan based on the deduction amount and / or the balance of the first deduction server. Therefore, based on the recharge amount of 500 yuan, the time of the ETC account's deduction request on May 1, and the consumption model of the above-mentioned Department A's ETC account, it is judged that the official vehicle of Department A incurred an ETC fee on May 1, which does not conform to the rules of Department A, that is, the rationality verification result is failed, then the recharge from the second deduction server (including the company's transportation fee account) to the first deduction server (including Department A's transportation fee account) is stopped.

[0109] Through the above steps, the supervision of ETC fees in the case of "using public vehicles for private purposes" is achieved, further improving the convenience of the company's financial management.

[0110] According to one embodiment of the present invention, Figure 4 As shown, verifying the rationality of the recharge amount according to the recharge amount, the time of the deduction request of the ETC account and the consumption model of the ETC account further includes:

[0111] Step 401: Calculate a predicted recharge amount according to the time of the deduction request of the ETC account and the consumption model of the ETC account;

[0112] Step 402: verify the rationality of the recharge amount based on the predicted recharge amount.

[0113] In an embodiment of the present invention, the consumption model of the ETC account may also include the recharge amount of the second deduction server to recharge the first deduction server within a specified time. After the recharge amount is determined based on the deduction amount and / or the balance of the first deduction server, the predicted recharge amount corresponding to the time is calculated based on the time of the deduction request of the ETC account and the above-mentioned consumption model, and then the recharge amount determined based on the deduction amount and / or the balance of the first deduction server and the predicted recharge amount are compared. If the recharge amount determined based on the deduction amount and / or the balance of the first deduction server is greater than the predicted recharge amount, it may indicate that the official vehicle to which the ETC account belongs may have abnormal usage, and the recharge from the second deduction server to the first deduction server is stopped.

[0114] It should be noted that, in some other embodiments of the present invention, the predicted recharge amount may also be a range of recharge amounts. For example, the consumption model of the ETC account includes the range of recharge amounts for recharging the first deduction server from the second deduction server within a specified time. After the recharge amount is determined based on the deduction amount and / or the balance of the first deduction server, the recharge amount range corresponding to the time is calculated based on the time of the deduction request of the ETC account and the above-mentioned consumption model. Then, the recharge amount determined based on the deduction amount and / or the balance of the first deduction server is compared to see whether it exceeds the recharge amount range. If it exceeds the range, it may indicate that the official vehicle to which the ETC account belongs may have abnormal usage, and the recharge from the second deduction server to the first deduction server is stopped.

[0115] In some other embodiments of the present invention, if the result of the rationality verification of the recharge amount based on the recharge amount, the time of the deduction request of the ETC account and the consumption model of the ETC account is not passed, for example, the recharge amount determined based on the deduction amount and / or the balance of the first deduction server is greater than the predicted recharge amount, or the recharge amount determined based on the deduction amount and / or the balance of the first deduction server exceeds the recharge amount range, it may also indicate that the official vehicle to which the ETC account belongs is temporarily called by the company's emergency affairs, and the ETC fee needs to be paid from the company's transportation fee account. In view of the above situation, according to one embodiment of the present invention, when the result of the rationality verification of the recharge amount based on the predicted recharge amount is not passed, the method also includes,

[0116] receiving a recharge request from the second payment deduction server;

[0117] Recharging is performed from the second payment deduction server to the first payment deduction server according to the recharge amount in the recharge request.

[0118] In an embodiment of the present invention, the recharge request of the second deduction server indicates a request initiated by the second deduction server to recharge the first deduction server, and the recharge request may include a recharge amount, and then the recharge is performed from the second deduction server to the first deduction server according to the recharge amount in the recharge request of the second deduction server. It can be understood that, after the company's financial approval, the specified recharge amount is recharged from the company's transportation fee account (second deduction server) to the department's transportation fee account (first deduction server) to complete the ETC deduction through the department's transportation fee account, wherein the specified recharge amount can be obtained from the company's financial approval results. Through the above steps, the convenience of the company's financial management is further improved.

[0119] In the application scenario of the embodiment of the present invention, if the ETC fee payment fails, the contracted bank of the ETC account is required to advance the ETC fee deduction amount. In order to reduce the bank's advance payment, according to an embodiment of the present invention, when the deduction from the first deduction server or the second deduction server fails based on the characteristics of the first deduction server, the deduction amount and the second deduction server corresponding to the ETC account, the method also includes deducting the deduction amount according to the third deduction server corresponding to the ETC account.

[0120] In an embodiment of the present invention, the third deduction server may include a reserve account (i.e., a deposit account) handled by the company in a bank. Failure to deduct the deduction amount according to the characteristics of the second deduction server corresponding to the ETC account and the first deduction server may indicate that the recharge amount is greater than the maximum recharge amount of the second deduction server or that the rationality verification of the recharge amount fails. When the deduction amount fails to be deducted according to the characteristics of the second deduction server corresponding to the ETC account and the first deduction server, deductions are made from the third deduction server corresponding to the ETC account, including the reserve account handled by the company in the bank, to reduce the bank's advance payment.

[0121] Further, according to an embodiment of the present invention, deducting the deduction amount according to the third deduction server corresponding to the ETC account further includes deducting the deduction amount from the third deduction server according to the maximum deduction amount of the third deduction server.

[0122] In an embodiment of the present invention, the third deduction server may also include a maximum deduction amount. The maximum deduction amount of the third deduction server can be obtained through the company's minimum reserve amount in the bank and the company's total reserve amount. When the deduction amount in the deduction request of the ETC account is greater than the maximum deduction amount of the third deduction server, the ETC deduction from the third deduction server is stopped.

[0123] In some other embodiments of the present invention, according to the company's financial regulations, when the deduction from the first deduction server fails, ETC deductions can be made directly from the third deduction server, thereby reducing the bank's advance payment.

[0124] In the application scenario of the embodiment of the present invention, the official vehicles belonging to the same ETC account can be jointly owned by multiple departments, so the ETC account needs to include the transportation fee accounts of multiple departments. When the official vehicle generates ETC fees, ETC deductions are made from the transportation fee accounts of each department. In view of the above situation, according to an embodiment of the present invention, the first deduction server includes multiple sub-deduction servers;

[0125] According to the deduction amount in the deduction request of the ETC account, deducting from the first deduction server corresponding to the ETC account further includes:

[0126] Deductions are made based on the deduction amount and the deduction priority or deduction ratio of each sub-deduction server.

[0127] In the embodiment of the present invention, the first deduction server includes multiple sub-deduction servers, each of which includes the transportation fee account of each department, that is, the sub-deduction server corresponds to the transportation fee account of the department one by one, the deduction priority of the sub-deduction server can indicate which sub-deduction server is preferentially deducted from, and the deduction ratio of the sub-deduction server can indicate that ETC deduction is performed from each sub-deduction server according to a certain ratio. Through the above steps, ETC deduction is realized for official vehicles owned by various departments.

[0128] In some other embodiments of the present invention, an ETC account that fails to deduct ETC fees may also be blacklisted. After the deduction amount in the deduction request of the ETC account is paid, the ETC account is deleted from the blacklist, thereby realizing the management of ETC accounts that fail to deduct ETC fees.

[0129] It should be noted that the failure of ETC deduction may indicate a failure to recharge from the second deduction server to the first deduction server (for example, including the department's transportation fee account), for example, the recharge amount is greater than the maximum recharge amount of the second deduction server (for example, including the company's transportation fee account) or the result of the rationality verification of the recharge amount is not passed and the recharge request from the second deduction server is not received. It may also indicate a failure to deduct from the third deduction server (for example, including the company's reserve account in the bank), for example, the ETC deduction amount is greater than the maximum deduction amount of the third deduction server. In addition, since the reserve account included in the third deduction server is the company's deposit in the bank, after paying the ETC fee from the third deduction server, the ETC account can also be added to the blacklist. After the reserve account is recharged, the ETC account is deleted from the blacklist, which facilitates the bank's management of the company's reserve account and further reduces the bank's advance payment.

[0130] Based on the same inventive concept, the embodiment of the present invention also provides a vehicle multi-account deduction device, such as Figure 5 As shown, including,

[0131] A deduction request receiving unit 501, used to receive a deduction request from an ETC account;

[0132] A first deduction unit 502, configured to deduct fees from a first deduction server corresponding to the ETC account according to the deduction amount in the deduction request of the ETC account;

[0133] The second deduction unit 503 is used to deduct fees from the first deduction server or the second deduction server when the deduction from the first deduction server fails, according to the characteristics of the first deduction server, the deduction amount and the second deduction server corresponding to the ETC account, wherein each of the second deduction servers corresponds to multiple first deduction servers.

[0134] The beneficial effects obtained by the above-mentioned device are consistent with the beneficial effects obtained by the above-mentioned method, and will not be described in detail in the embodiments of this specification.

[0135] like Figure 6The structure diagram of the computer device of the embodiment of the present invention is shown. The device in the present invention can be the computer device in this embodiment, which executes the method of the present invention described above. The computer device 601 may include one or more processors 602, such as one or more central processing units (CPUs), and each processing unit may implement one or more hardware threads. The computer device 601 may also include any memory 603, which is used to store any kind of information such as code, settings, data, etc. Non-limitingly, for example, the memory 603 may include any one or more combinations of the following: any type of RAM, any type of ROM, flash memory device, hard disk, optical disk, etc. More generally, any memory can use any technology to store information. Further, any memory can provide volatile or non-volatile retention of information. Further, any memory can represent a fixed or removable component of the computer device 601. In one case, when the processor 602 executes an associated instruction stored in any memory or a combination of memories, the computer device 601 can perform any operation of the associated instruction. The computer device 601 also includes one or more drive mechanisms 604 for interacting with any memory, such as a hard disk drive mechanism, an optical disk drive mechanism, etc.

[0136] The computer device 601 may also include an input / output module 605 (I / O) for receiving various inputs (via input device 606) and for providing various outputs (via output device 607). A specific output mechanism may include a presentation device 608 and an associated graphical user interface (GUI) 609. In other embodiments, the input / output module 605 (I / O), input device 606, and output device 607 may not be included, and the computer device 601 may be used as a computer device in a network. The computer device 601 may also include one or more network interfaces 610 for exchanging data with other devices via one or more communication links 611. One or more communication buses 612 couple the components described above together.

[0137] The communication link 611 may be implemented in any manner, for example, through a local area network, a wide area network (e.g., the Internet), a point-to-point connection, etc., or any combination thereof. The communication link 611 may include any combination of hardwired links, wireless links, routers, gateway functions, name servers, etc. governed by any protocol or combination of protocols.

[0138] Corresponds to Figures 2 to 4 In the method, an embodiment of the present invention further provides a computer-readable storage medium, on which a computer program is stored, and when the computer program is executed by a processor, the above steps are executed.

[0139] The embodiment of the present invention also provides a computer-readable instruction, wherein when a processor executes the instruction, the program therein causes the processor to execute the following Figures 2 to 4 The method shown.

[0140] The embodiment of the present invention also provides a computer program product, which is executed by a processor of a computer device according to the following Figures 2 to 4 The method shown.

[0141] It should be understood that in various embodiments of the present invention, the size of the serial numbers of the above-mentioned processes does not mean the order of execution. The execution order of each process should be determined by its function and internal logic, and should not constitute any limitation on the implementation process of the embodiments of the present invention.

[0142] It should also be understood that in the embodiments of the present invention, the term "and / or" is only a description of the association relationship of the associated objects, indicating that three relationships may exist. For example, A and / or B can represent: A exists alone, A and B exist at the same time, and B exists alone. In addition, the character " / " in the present invention generally indicates that the associated objects before and after are in an "or" relationship.

[0143] Those of ordinary skill in the art will appreciate that the units and algorithm steps of each example described in conjunction with the embodiments disclosed in the present invention can be implemented by electronic hardware, computer software, or a combination of the two. In order to clearly illustrate the interchangeability of hardware and software, the composition and steps of each example have been generally described in terms of function in the above description. Whether these functions are performed in hardware or software depends on the specific application and design constraints of the technical solution. Professional and technical personnel can use different methods to implement the described functions for each specific application, but such implementation should not be considered to be beyond the scope of the present invention.

[0144] Those skilled in the art can clearly understand that, for the convenience and brevity of description, the specific working processes of the systems, devices and units described above can refer to the corresponding processes in the aforementioned method embodiments and will not be repeated here.

[0145] In the several embodiments provided by the present invention, it should be understood that the disclosed systems, devices and methods can be implemented in other ways. For example, the device embodiments described above are only schematic. For example, the division of the units is only a logical function division. There may be other division methods in actual implementation, such as multiple units or components can be combined or integrated into another system, or some features can be ignored or not executed. In addition, the mutual coupling or direct coupling or communication connection shown or discussed can be an indirect coupling or communication connection through some interfaces, devices or units, or it can be an electrical, mechanical or other form of connection.

[0146] The units described as separate components may or may not be physically separated, and the components shown as units may or may not be physical units, that is, they may be located in one place or distributed on multiple network units. Some or all of the units may be selected according to actual needs to achieve the purpose of the embodiments of the present invention.

[0147] In addition, each functional unit in each embodiment of the present invention may be integrated into one processing unit, or each unit may exist physically separately, or two or more units may be integrated into one unit. The above-mentioned integrated unit may be implemented in the form of hardware or in the form of software functional units.

[0148] If the integrated unit is implemented in the form of a software functional unit and sold or used as an independent product, it can be stored in a computer-readable storage medium. Based on this understanding, the technical solution of the present invention is essentially or the part that contributes to the prior art, or all or part of the technical solution can be embodied in the form of a software product, and the computer software product is stored in a storage medium, including a number of instructions for a computer device (which can be a personal computer, a server, or a network device, etc.) to perform all or part of the steps of the method described in each embodiment of the present invention. The aforementioned storage medium includes: U disk, mobile hard disk, read-only memory (ROM, Read-Only Memory), random access memory (RAM, Random Access Memory), disk or optical disk and other media that can store program codes.

[0149] The present invention uses specific embodiments to illustrate the principles and implementation methods of the present invention. The description of the above embodiments is only used to help understand the method of the present invention and its core idea. At the same time, for those skilled in the art, according to the idea of ​​the present invention, there will be changes in the specific implementation methods and application scope. In summary, the content of this specification should not be understood as a limitation on the present invention.

Claims

1. A vehicle multi-account deduction method, It is characterized in that Applicable to public ETC accounts, the method includes: Receive deduction requests from ETC accounts; Deducting fees from a first deduction server corresponding to the ETC account according to the deduction amount in the deduction request of the ETC account; When the deduction from the first deduction server fails, deduction is performed from the first deduction server or the second deduction server according to the characteristics of the first deduction server, the deduction amount and the second deduction server corresponding to the ETC account, wherein each second deduction server corresponds to multiple first deduction servers; The characteristics of the first deduction server include the balance of the first deduction server; According to the characteristics of the first deduction server, the deduction amount, and the second deduction server corresponding to the ETC account, deducting from the first deduction server or the second deduction server further includes: Determine the recharge amount according to the deduction amount and / or the balance of the first deduction server; Recharging the first payment deduction server from the second payment deduction server according to the recharge amount; After the recharging is completed, the deduction amount is deducted from the first deduction server.

2. The vehicle multi-account deduction method according to claim 1, It is characterized in that Recharging the first deduction server from the second deduction server according to the recharge amount further includes: Recharge the first deduction server according to the maximum recharge amount of the second deduction server.

3. The vehicle multi-account deduction method according to claim 1, It is characterized in that The characteristics of the first deduction server include historical deduction data of the first deduction server; The method further comprises, Building a consumption model of the ETC account according to the historical deduction data and historical recharge data of the first deduction server; The deduction request of the ETC account is processed according to the consumption model.

4. The vehicle multi-account deduction method according to claim 3, It is characterized in that The consumption model includes a predetermined recharge amount and a recharge time of the first deduction server; Before processing the deduction request of the ETC account according to the consumption model, the method further includes recharging the first deduction server from the second deduction server according to the predetermined recharge amount and the recharge time.

5. The vehicle multi-account deduction method according to claim 3, It is characterized in that Processing the deduction request of the ETC account according to the consumption model further includes: After the recharge amount is determined based on the deduction amount and / or the balance of the first deduction server, the rationality of the recharge amount is verified based on the recharge amount, the time of the deduction request of the ETC account, and the consumption model of the ETC account, and the first deduction server is recharged based on the result of the rationality verification.

6. The vehicle multi-account deduction method according to claim 5, It is characterized in that The rationality verification of the recharge amount according to the recharge amount, the time of the deduction request of the ETC account and the consumption model of the ETC account further includes: Calculate a predicted recharge amount according to the time of the deduction request of the ETC account and the consumption model of the ETC account; The rationality of the recharge amount is verified based on the predicted recharge amount.

7. The vehicle multi-account deduction method according to claim 6, It is characterized in that When the result of the rationality verification of the recharge amount according to the predicted recharge amount is failure, the method further includes: receiving a recharge request from the second payment deduction server; Recharging is performed from the second payment deduction server to the first payment deduction server according to the recharge amount in the recharge request.

8. The vehicle multi-account deduction method according to claim 1, It is characterized in that When deduction from the first deduction server or the second deduction server fails based on the characteristics of the first deduction server, the deduction amount and the second deduction server corresponding to the ETC account, the method also includes deducting the deduction amount based on a third deduction server corresponding to the ETC account.

9. The vehicle multi-account deduction method according to claim 8, It is characterized in that Deducting the deduction amount according to the third deduction server corresponding to the ETC account further includes deducting the deduction amount from the third deduction server according to the maximum deduction amount of the third deduction server.

10. The vehicle multi-account deduction method according to claim 1, It is characterized in that The first deduction server includes a plurality of sub-deduction servers; According to the deduction amount in the deduction request of the ETC account, deducting from the first deduction server corresponding to the ETC account further includes: Deductions are made based on the deduction amount and the deduction priority or deduction ratio of each sub-deduction server.

11. A vehicle multi-account deduction device, It is characterized in that include, A deduction request receiving unit, used to receive a deduction request from an ETC account; A first deduction unit, configured to deduct fees from a first deduction server corresponding to the ETC account according to a deduction amount in a deduction request of the ETC account; A second deduction unit is configured to, when deduction from the first deduction server fails, deduct the fee from the first deduction server or the second deduction server according to the characteristics of the first deduction server, the deduction amount, and the second deduction server corresponding to the ETC account, wherein each of the second deduction servers corresponds to a plurality of the first deduction servers; The characteristics of the first deduction server include the balance of the first deduction server; According to the characteristics of the first deduction server, the deduction amount, and the second deduction server corresponding to the ETC account, deducting from the first deduction server or the second deduction server further includes: Determine the recharge amount according to the deduction amount and / or the balance of the first deduction server; Recharging the first payment deduction server from the second payment deduction server according to the recharge amount; After the recharging is completed, the deduction amount is deducted from the first deduction server.

12. A computer device comprising a memory, a processor, and a computer program stored on the memory, It is characterized in that When the processor executes the computer program, the method according to any one of claims 1 to 10 is implemented.

13. A computer storage medium having a computer program stored thereon, It is characterized in that When the computer program is executed by a processor of a computer device, the method according to any one of claims 1 to 10 is performed.

14. A computer program product, It is characterized in that When the computer program product is executed by a processor of a computer device, the computer program product executes the instructions of the method according to any one of claims 1 to 10.

Images