Information interaction method and device, and electronic device

Abstract

The application discloses an information interaction method and device and electronic equipment, and belongs to the technical field of finance. The method comprises the following steps: receiving ETC information of an electronic toll collection (ETC) device and consumption order information sent by a merchant device; sending the ETC information of the ETC device to an ETC issuing service platform associated with the ETC device; receiving signing information sent by the ETC issuing service platform, and obtaining payment voucher information based on the signing information, wherein the signing information is obtained by the ETC issuing service device based on the ETC information of the ETC device; and sending the consumption order information and the payment voucher information to the financial service platform, so that the financial service platform settles a consumption order corresponding to the consumption order information based on the payment voucher information.

Description

TECHNICAL FIELD

[0001] The application belongs to the technical field of finance, and particularly relates to an information interaction method and device and electronic equipment. BACKGROUND

[0002] Electronic Toll Collection (ETC) is a vehicle toll collection method. By installing an on board unit (OBU) in a vehicle, the OBU can communicate with a road side unit (RSU) installed on a lane during vehicle driving, and use Internet technology to settle a consumption scenario (such as parking in a parking lot, refueling at a gas station, or driving on a highway) of the vehicle with a financial settlement platform, so that the consumption order of the vehicle can be settled without stopping the vehicle, and the vehicle passing efficiency is improved. However, in the current vehicle consumption scenario, due to the excessive redundancy of the hierarchical setting of the financial settlement platform, the settlement efficiency of the consumption order is low. SUMMARY

[0003] The embodiments of the application aim to provide an information interaction method, device and electronic equipment, which can solve the problem of low settlement efficiency of a consumption order in ETC consumption.

[0004] In a first aspect, the embodiments of the application provide an information interaction method, comprising:

[0005] receiving ETC information and consumption order information of an Electronic Toll Collection (ETC) device sent by a merchant device;

[0006] sending the ETC information of the ETC device to an ETC issuance service platform associated with the ETC device;

[0007] receiving subscription information sent by the ETC issuance service platform, and obtaining payment credential information based on the subscription information, wherein the subscription information is obtained by the ETC issuance service device based on the ETC information of the ETC device;

[0008] sending the consumption order information and the payment credential information to the financial service platform, so that the financial service platform settles a consumption order corresponding to the consumption order information based on the payment credential information.

[0009] In a second aspect, the embodiments of the application provide an information interaction device, comprising:

[0010] a first receiving module configured to receive ETC information and consumption order information of an Electronic Toll Collection (ETC) device sent by a merchant device;

[0011] The first sending module is configured to send ETC information of the ETC device to an ETC issuing service platform associated with the ETC device.

[0012] The second receiving module is configured to receive subscription information sent by the ETC issuing service platform, and acquire payment voucher information based on the subscription information, the subscription information being acquired by the ETC issuing service platform based on the ETC information of the ETC device.

[0013] The second sending module is configured to send the consumption order information and the payment voucher information to the financial service platform, so that the financial service platform settles a consumption order corresponding to the consumption order information based on the payment voucher information.

[0014] In a third aspect, an electronic device is provided, which includes a processor and a memory, the memory storing programs or instructions executable on the processor, and the programs or instructions, when executed by the processor, implement the steps of the method according to the first aspect.

[0015] In a fourth aspect, a readable storage medium is provided, which stores programs or instructions, and the programs or instructions, when executed by a processor, implement the steps of the method according to the first aspect.

[0016] In a fifth aspect, a chip is provided, which includes a processor and a communication interface, the communication interface being coupled to the processor, and the processor being configured to execute programs or instructions to implement the method according to the first aspect.

[0017] In a sixth aspect, a computer program product is provided, which is stored in a storage medium, and the program product is executed by at least one processor to implement the method according to the first aspect.

[0018] In the embodiment of the present application, in the case that the electronic device receives the ETC information of the ETC device and the consumption order information sent by the merchant device, the electronic device sends the ETC information of the ETC device to the ETC issuing service platform associated with the ETC device, so that the ETC issuing service platform obtains the subscription information based on the ETC information of the ETC device and sends it to the electronic device; in the case that the electronic device receives the subscription information sent by the ETC issuing service platform and obtains the payment voucher information based on the subscription information, the electronic device sends the payment voucher information and the above consumption order information to the financial service platform, so that the financial service platform can settle the consumption order corresponding to the above consumption order information based on the payment voucher information. In this way, through the interaction between the electronic device, the merchant device, the ETC issuing service platform and the financial service platform, the settlement of the consumption order of the user corresponding to the ETC device can be realized, the settlement process is simplified, and the settlement efficiency of the consumption order is improved. BRIEF DESCRIPTION OF DRAWINGS

[0019] Figure 1 is a flow diagram of an embodiment of the information interaction method provided by the present application;

[0020] Figure 2 is an architecture diagram of an information interaction system of an embodiment of the information interaction method provided by the present application;

[0021] Figure 3 is a structural diagram of an embodiment of the information interaction device provided by the present application;

[0022] Figure 4 is a structural diagram of an embodiment of the electronic device provided by the present application. DETAILED DESCRIPTION

[0023] The technical solutions in the embodiments of the present application will be clearly described below with reference to the drawings in the embodiments of the present application. Obviously, the described embodiments are only part of the embodiments of the present application, not all the embodiments. Based on the embodiments in the present application, all other embodiments obtained by those of ordinary skill in the art belong to the scope of protection of the present application.

[0024] The terms "first", "second", and the like in the specification and claims of the present application are used to distinguish similar objects, and are not used to describe a specific order or sequence. It should be understood that the data used in this way can be interchanged under appropriate circumstances, so that the embodiments of the present application can be implemented in an order other than those illustrated or described herein, and the objects distinguished by "first", "second", etc. are usually a class, not limited to the number of objects, for example, the first object can be one or more. In addition, "and / or" in the specification and claims indicates at least one of the connected objects, and the character " / ", generally indicates that the front and rear associated objects are in an "or" relationship.

[0025] The information interaction method provided by the embodiments of the present application will be described in detail below with reference to the accompanying drawings, specific embodiments and application scenarios thereof.

[0026] Please refer to Figure 1 is a flowchart of an embodiment of the information interaction method provided by the present application, which is applied to an electronic device, which can include at least one server and the like. As Figure 1 shown, the information interaction method includes the following steps 101 to 104:

[0027] Step 101, receiving ETC (Electronic Toll Collection) information of an ETC device and consumption order information sent by a merchant device;

[0028] Step 102, sending the ETC information of the ETC device to an ETC issuance service platform associated with the ETC device;

[0029] Step 103, receiving subscription information sent by the ETC issuance service platform, and obtaining payment credential information based on the subscription information, the subscription information being obtained by the ETC issuance service device based on the ETC information of the ETC device;

[0030] Step 104, sending the consumption order information and the payment credential information to the financial service platform, so that the financial service platform settles the consumption order corresponding to the consumption order information based on the payment credential information.

[0031] Based on this, in the case of receiving the ETC information of the ETC device and the consumption order information sent by the merchant device, the electronic device sends the ETC information of the ETC device to the ETC issuance service platform associated with the ETC device, so that the ETC issuance service platform obtains the subscription information based on the ETC information of the ETC device and sends it to the electronic device; in the case that the electronic device receives the subscription information sent by the ETC issuance service platform and obtains the payment credential information based on the subscription information, the electronic device sends the payment credential information and the consumption order information to the financial service platform, so that the financial service platform can settle the consumption order corresponding to the consumption order information based on the payment credential information. In this way, through the interaction between the electronic device, the merchant device, the ETC issuance service platform and the financial service platform, the settlement of the consumption order of the user corresponding to the ETC device can be realized, the settlement process is simplified, and the settlement efficiency of the consumption order is improved.

[0032] In step 101 above, when the user of the ETC device completes the consumption, the device can generate consumption order information corresponding to the user's consumption and the ETC information of the ETC device, and send the consumption order information and the ETC information of the ETC device to the electronic device, which then receives the consumption order information and the ETC information of the ETC device.

[0033] In this embodiment of the application, the aforementioned consumption order information can be any information that can reflect the consumption of the user of the ETC device. It includes at least the amount of resources consumed and the account information of the merchant corresponding to the merchant, and may also include at least one of the following: consumption type, consumption duration, and consumption completion time.

[0034] The ETC information of the aforementioned ETC device can be any information that can identify the ETC device, including the device identification number of the ETC device and the information of the ETC issuance service platform that issued the ETC device, etc.

[0035] It should be noted that the aforementioned electronic devices can connect to the devices of multiple merchants (which could be hundreds, thousands, or even tens of thousands of merchants) via a network. These merchant devices can be any one of the devices from this large number of merchants. Of course, the devices of these multiple merchants can be managed by at least one of the aforementioned merchant device operation platforms, and the aforementioned electronic devices can issue and manage keys for each merchant's device and the merchant device operation platform, achieving unified management of merchant onboarding.

[0036] For example, taking a vehicle equipped with the aforementioned ETC device (such as an onboard unit, OBU, etc.) as an example in a parking lot consumption scenario, assuming that the vehicle... Figure 2 When a vehicle parks in any of the parking lots 1 to N shown, and needs to exit and proceeds to the parking lot's toll gate system (i.e., merchant equipment), the toll gate system, upon sensing the ETC device on the vehicle in its Road Side Unit (RSU), stops timing the vehicle's parking and obtains the parking duration. The parking lot's operation platform (such as one of parking operation platforms 1 to M) then generates parking order information and the vehicle's ETC device's ETC information. This parking order information may include: the parking fee corresponding to the parking duration, and the parking lot's operation platform's account information, etc. The parking lot operation platform then sends the parking order information and the vehicle's ETC device's ETC information to the ETC cross-scenario application platform (i.e., the aforementioned electronic device).

[0037] After the electronic device receives the ETC information of the ETC device and the consumption order information in step 102, the electronic device can send the ETC information to an ETC issuing service platform associated with the ETC device.

[0038] For example, as shown in FIG. 8, after the ETC cross-scene application platform receives the parking order information and the ETC information of the ETC device of the vehicle, the ETC cross-scene application platform sends the parking order information and the ETC information of the ETC device of the vehicle to an issuing service system (i.e., an ETC issuing service platform). Figure 2

[0039] In the embodiment, the ETC issuing service platform is a device of an organization or an institution that issues the ETC device. For example, the ETC issuing service platform can be a server of a bank that issues the ETC device.

[0040] It should be noted that, in the case that the ETC issuing service platform issues the ETC device, the ETC issuing service platform stores the ETC information and the subscription information of the ETC device, and after the ETC issuing service platform receives the ETC information of the ETC device, the ETC issuing service platform can obtain the subscription information corresponding to the ETC information based on the stored information. The subscription information can include a resource account of a user of the ETC device and a key of the resource account, etc.

[0041] In some embodiments, before step 102, the method further includes:

[0042] Matching the ETC information of the ETC device with abnormal ETC information in a preset dynamic blacklist.

[0043] Step 102 can include:

[0044] In the case that there is no abnormal ETC information in the dynamic blacklist that matches the ETC information of the ETC device, the ETC issuing service platform associated with the ETC device is sent the ETC information of the ETC device.

[0045] Therefore, by configuring a dynamic blacklist including abnormal ETC information in the electronic device, and only sending the ETC information of the ETC device to the ETC issuing service platform in the case that the ETC information of the ETC device is not abnormal ETC information, the waste of computing resources of the electronic device and each platform is avoided, and the bad debt rate in the consumption resource settlement can be reduced.

[0046] In the embodiment, the dynamic blacklist is pre-configured in the electronic device and includes at least one piece of abnormal ETC information. ​

[0047] The abnormal ETC information can be ETC information of an abnormal ETC device, and the abnormal ETC device is an ETC device corresponding to an abnormal resource account in history, which can be a financial account with insufficient account balance or abnormal information such as a history of bad resource consumption records.

[0048] It should be noted that in the case where the dynamic blacklist library has abnormal ETC information matching the ETC information of the ETC device, the electronic device can not perform any action.

[0049] In some embodiments, after matching the ETC information of the ETC device with the abnormal ETC information in the preset dynamic blacklist library, the method further includes:

[0050] In the case where the dynamic blacklist library has abnormal ETC information matching the ETC information of the ETC device, generating a transaction failure information;

[0051] Sending the transaction failure information to the merchant device, so that the merchant device outputs prompt information based on the transaction failure information, and the prompt information is used to prompt the user of the ETC device to change the settlement method.

[0052] Based on this, in the case where the dynamic blacklist library has abnormal ETC information matching the ETC information of the ETC device, by sending the transaction failure information to the merchant device, the user of the ETC device is reminded to change the settlement method in time.

[0053] In the embodiment, after the merchant device receives the transaction failure information, the merchant device can output prompt information to prompt the user of the ETC device to change the settlement method.

[0054] The output prompt information can be output by voice broadcast, or the prompt information can also be displayed on the display screen.

[0055] For example, in the case where the ETC cross-scene application platform determines that the ETC information of the ETC device of the vehicle is abnormal ETC information in the dynamic blacklist library, the ETC cross-scene application platform can send a transaction failure information to the barrier system of the parking lot, and the barrier system outputs "settlement failure, please pay with cash" by voice based on the transaction failure information, to prompt the driver of the vehicle to pay the parking fee with cash.

[0056] In step 103, after the ETC issuing service device obtains the subscription information corresponding to the ETC information of the ETC device, the ETC issuing service device can send the subscription information to the electronic device. The electronic device receives the subscription information, and the electronic device can obtain the payment credential information from the subscription information.

[0057] For example, after the ETC cross-scene application platform sends the ETC information of the ETC device of the vehicle to the issuing service system, the issuing service system can obtain the subscription information corresponding to the ETC information and send it to the ETC cross-scene application platform. The ETC cross-scene application platform receives the subscription information, and finally the ETC cross-scene application platform can obtain the payment credential information (such as the information of the resource account of the ETC device) from the subscription information.

[0058] In step 104, after the electronic device obtains the payment credential information and the consumption order information, the electronic device can send the payment credential information and the consumption order information to the financial service platform. The financial service platform settles the consumption order corresponding to the consumption order information based on the payment credential information.

[0059] It should be noted that the electronic device can send the payment credential information and the consumption order information to different processing institutions of the financial service platform, respectively.

[0060] For example, after the ETC cross-scene application platform receives the payment credential information, the ETC cross-scene application platform combines the parking order information to obtain the deduction information, and sends the combined deduction information to the switching institution in the financial system (i.e., the financial service platform). The switching institution sends the deduction information to the clearing institution of the financial system. After the ETC cross-scene application platform obtains the payment credential information, the ETC cross-scene application platform can send the payment credential information to the clearing institution. The clearing institution establishes a subscription matching relationship between the resource account corresponding to the ETC device according to the payment credential information. Finally, the clearing system deducts the corresponding parking fee from the resource account with the subscription matching relationship according to the deduction information.

[0061] In some embodiments, after step 104, the method further includes:

[0062] receiving resource deduction information generated by the financial service platform after completing the settlement process;

[0063] sending the resource deduction information to the merchant device and the ETC issuing service platform, respectively.

[0064] Based on this, by receiving the resource deduction information from the financial service platform and forwarding to the merchant device and the ETC issuing service platform, the merchant device and the ETC issuing service platform can be notified in time of the successful transaction settlement.

[0065] It should be noted that after the financial service platform settles the consumption order corresponding to the above consumption order information based on the above payment voucher information, the financial service platform can transfer the consumption resources deducted from the resource account corresponding to the ETC device to the resource account of the merchant corresponding to the merchant device.

[0066] Alternatively, the financial service platform can also obtain at least one settlement information associated with the merchant device in a preset period, and the settlement information includes the deduction transaction information; and transfer the consumption resources corresponding to the at least one settlement information to the resource account associated with the merchant device. In this way, the financial service platform can transfer the consumption resources in the period to the resource account associated with the merchant device according to the preset period, which not only reduces the waste of computing resources caused by too frequent transfer, but also ensures the timeliness of resource transfer.

[0067] It should be noted that the above-mentioned preset period can be set according to actual needs, for example, the preset period can be set to T+1 day, i.e. 1 working day, etc.

[0068] In some embodiments, the above method further comprises:

[0069] In a case where it is determined that the merchant device meets the preset resource transfer condition, a resource transfer request is sent to the financial service platform,

[0070] Wherein, the financial service platform, upon receiving the resource transfer request, obtains at least one settlement information corresponding to the merchant device, and the settlement information includes the deduction transaction information; and transfers the consumption resources corresponding to the at least one settlement information to the account corresponding to the merchant device.

[0071] Based on this, in a case where it is determined that the merchant device meets the preset resource transfer condition, the electronic device can send a resource transfer request to the financial service platform to realize the transfer of consumption resources, so that the transfer of consumption resources is more flexible.

[0072] It should be noted that the merchant device meeting the preset resource transfer condition can be that the financial service platform detects that the preset period corresponding to the merchant device has arrived, or the financial service platform can also receive a request sent by the merchant device, etc.

[0073] See Figure 3Fig. 1 is a structural schematic diagram of an information interaction device provided by an embodiment of the present application. As shown in Fig. 1, the information interaction device 300 comprises: Figure 3

[0074] A first receiving module 301 is configured to receive ETC information of an electronic toll collection (ETC) device and consumption order information sent by a merchant device.

[0075] A first sending module 302 is configured to send the ETC information of the ETC device to an ETC issuance service platform associated with the ETC device.

[0076] A second receiving module 303 is configured to receive subscription information sent by the ETC issuance service platform, and obtain payment voucher information based on the subscription information, the subscription information being obtained by the ETC issuance service platform based on the ETC information of the ETC device.

[0077] A second sending module 304 is configured to send the consumption order information and the payment voucher information to the financial service platform, so that the financial service platform settles a consumption order corresponding to the consumption order information based on the payment voucher information.

[0078] In some embodiments, the information interaction device further comprises:

[0079] A third receiving module is configured to receive resource deduction information generated after the financial service platform completes the settlement process.

[0080] A third sending module is configured to send the resource deduction information to the merchant device and the ETC issuance service platform, respectively.

[0081] In some embodiments, the information interaction device further comprises:

[0082] An ETC information matching module is configured to match the ETC information of the ETC device with abnormal ETC information in a preset dynamic blacklist.

[0083] The first sending module 302 can be specifically configured to:

[0084] In a case where no abnormal ETC information matching the ETC information of the ETC device exists in the dynamic blacklist, the ETC information of the ETC device is sent to the ETC issuance service platform associated with the ETC device.

[0085] In some embodiments, the information interaction device further comprises:

[0086] An information generating module is configured to, in a case where abnormal ETC information matching the ETC information of the ETC device exists in the dynamic blacklist, generate transaction failure information. ​

[0087] The fourth sending module is configured to send the transaction failure information to the merchant device, so that the merchant device outputs prompt information based on the transaction failure information, and the prompt information is used to prompt a user of the ETC device to change a settlement mode.

[0088] In some embodiments, further comprising:

[0089] The fifth sending module is configured to send a resource allocation request to the financial service platform if it is determined that the merchant device meets a preset resource allocation condition, wherein the financial service platform acquires at least one piece of settlement information corresponding to the merchant device if the resource allocation request is received, the settlement information includes the deduction transaction information, and allocates consumption resources corresponding to the at least one piece of settlement information to an account corresponding to the merchant device.

[0090] Based on the same inventive concept, the embodiments of the present application further provide an electronic device, which will be specifically combined with the above-mentioned information interaction method and information interaction device to be described in detail. Figure 4

[0091] Figure 4 is a structural block diagram of the electronic device provided by the embodiments of the present application.

[0092] As shown in Figure 4 , the electronic device 400 can realize the structural diagram of the exemplary hardware architecture of the information interaction method and the information interaction device according to the embodiments of the present application. The electronic device 400 can include a processor 401 and a memory 402 storing computer program instructions. Specifically, each processor can include a central processing unit (CPU), or a specific integrated circuit (application specific integrated circuit, ASIC), or can be configured as one or more integrated circuits that implement the embodiments of the present application.

[0093] ​The memories described above can include mass storage for information or instructions. For example, without limitation, the memories can include a hard disk drive (HDD), a floppy disk drive, a flash memory, an optical disk, a magneto-optical disk, a magnetic tape, or a universal serial bus (USB) drive or a combination of two or more of these. The memories can include removable or non-removable (or fixed) media, where appropriate. The memories can be internal or external, where appropriate. In certain embodiments, the memories are nonvolatile solid-state memories. In certain embodiments, the memories include read-only memory (ROM). Where appropriate, this ROM can be mask-programmed ROM, programmable ROM (PROM), erasable PROM (EPROM), electrically erasable and programmable ROM (EEPROM), electrically alterable ROM (EAROM, or E2PROM), or flash memory, or a combination of two or more of these. In certain embodiments, the memories include volatile memory, such as random-access memory (RAM). Where appropriate, this RAM can include static RAM (SRAM), dynamic RAM (DRAM), or both, where appropriate.

[0094] The processor 401 performs the following steps by reading and executing computer program instructions stored in the memory 402:

[0095] The processor 401 performs the following steps by reading and executing computer program instructions stored in the memory 402:

[0096] The processor 401 performs the following steps by reading and executing computer program instructions stored in the memory 402:

[0097] The processor 401 performs the following steps by reading and executing computer program instructions stored in the memory 402:

[0098] The processor 401 performs the following steps by reading and executing computer program instructions stored in the memory 402:

[0099] In some embodiments, the processor 401 also performs the following steps by reading and executing computer program instructions stored in the memory 402:

[0100] In some embodiments, the processor 401 also performs the following steps by reading and executing computer program instructions stored in the memory 402:

[0101] In some embodiments, the processor 401 also performs the following steps by reading and executing computer program instructions stored in the memory 402:

[0102] In a case where no abnormal ETC information matching the ETC information of the ETC device exists in the dynamic blacklist library, the ETC information of the ETC device is sent to an ETC issuing service platform associated with the ETC device.

[0103] In some embodiments, the processor 401 further performs, in a case where abnormal ETC information matching the ETC information of the ETC device exists in the dynamic blacklist library, generating transaction failure information.

[0104] The transaction failure information is sent to the merchant device, so that the merchant device outputs prompt information based on the transaction failure information, and the prompt information is used to prompt a user of the ETC device to change a settlement mode.

[0105] In some embodiments, the processor 401 further performs, in a case where it is determined that the merchant device meets a preset resource allocation condition, sending a resource allocation request to the financial service platform.

[0106] The financial service platform, upon receiving the resource allocation request, acquires at least one piece of settlement information corresponding to the merchant device, the settlement information including charge transaction information, and allocates consumption resources corresponding to the at least one piece of settlement information to an account corresponding to the merchant device.

[0107] As to the electronic device in the above embodiments, the specific manners in which the processor 401 performs operations and the beneficial effects have been described in detail in the embodiments of the method, and thus will not be described in detail here.

[0108] The embodiments of the present application further provide a readable storage medium, the readable storage medium storing a program or instructions, the program or instructions being executed by a processor to implement each process of the above information interaction method embodiments and achieve the same technical effects. To avoid repetition, details will not be described here.

[0109] The processor is the processor of the electronic device in the above embodiments. The readable storage medium includes a computer readable storage medium, such as a computer readable memory (ROM), a random access memory (RAM), a magnetic disk or an optical disk, and the like.

[0110] The embodiments of the present application further provide a chip, the chip including a processor and a communication interface, the communication interface being coupled to the processor, and the processor being configured to run a program or instructions to implement each process of the above information interaction method embodiments and achieve the same technical effects. To avoid repetition, details will not be described here.

[0111] It should be understood that the chip mentioned in the embodiments of the present application can also be referred to as a system-level chip, a system chip, a chip system, or a system-on-chip, etc.

[0112] The embodiments of the present application provide a computer program product stored in a storage medium, which is executed by at least one processor to implement the processes of the above information interaction method embodiments, and can achieve the same technical effects. To avoid repetition, details are not described here.

[0113] It should be noted that in this document, the terms "comprising", "including", or any other variant thereof are intended to cover non-exclusive inclusion, so that processes, methods, articles, or devices including a series of elements not only include those elements, but also include other elements not explicitly listed, or further include elements inherent to such processes, methods, articles, or devices. Without more limitations, the element defined by the statement "including a" does not exclude the presence of additional identical elements in the process, method, article, or device including the element. In addition, it should be pointed out that the scope of the methods and devices in the embodiments of the present application is not limited to the order of performing the functions shown or discussed, and can also include performing the functions in a substantially simultaneous manner or in reverse order, for example, the described method can be performed in an order different from that described, and various steps can also be added, omitted, or combined. In addition, the features described with reference to certain examples can be combined in other examples.

[0114] From the above description of the embodiments, those skilled in the art can clearly understand that the above-mentioned embodiment method can be realized by means of software and the necessary general hardware platform, of course, it can also be realized by hardware, but in many cases the former is a better embodiment. Based on such understanding, the technical solutions of the present application can be embodied in the form of a computer software product, which is stored in a storage medium (such as ROM / RAM, magnetic disk, optical disk), including a plurality of instructions for making a terminal (which can be a mobile phone, computer, server, or network equipment, etc.) execute the above-mentioned method of the embodiments of the present application.

[0115] The embodiments of the present application are described above in combination with the drawings, but the present application is not limited to the above specific embodiments, and the above specific embodiments are only illustrative, not limiting, and those skilled in the art can make many forms under the inspiration of the present application without departing from the scope of the present application and the protection scope of the claims.

Claims

1. An information interaction method, characterized in that, The method is applied to an ETC cross-scene application platform, and is used for issuing and managing keys for merchant devices of each merchant and a merchant device operation platform, and realizing unified management of merchant network access. Receive ETC information and consumption order information of an electronic toll collection (ETC) device sent by a merchant device; Send the ETC information of the ETC device to an ETC issuance service platform associated with the ETC device; Receive subscription information sent by the ETC issuance service platform, and obtain payment credential information based on the subscription information, wherein the subscription information is obtained by the ETC issuance service platform based on the ETC information of the ETC device, and the payment credential information includes resource account information of the ETC device; Send the consumption order information and the payment credential information to a financial service platform, so that the financial service platform settles a consumption order corresponding to the consumption order information based on the payment credential information; In a case where a preset period is reached or a resource transfer request sent by the merchant device is received, send a resource transfer request to the financial service platform, so that the financial service platform obtains at least one piece of settlement information associated with the merchant device in the preset period, and transfers consumption resources corresponding to the at least one piece of settlement information to a resource account associated with the merchant device, wherein the settlement information includes deduction transaction information.

2. The method of claim 1, wherein, After the consumption order information and the payment credential information are sent to the financial service platform, so that the financial service platform settles a consumption order corresponding to the consumption order information based on the payment credential information, the method further includes: Receive resource deduction information generated after the financial service platform completes settlement processing; Send the resource deduction information to the merchant device and the ETC issuance service platform respectively.

3. The method of claim 1, wherein, Before the ETC information of the ETC device is sent to the ETC issuance service platform associated with the ETC device, the method further includes: Match the ETC information of the ETC device with abnormal ETC information in a preset dynamic blacklist library; Send the ETC information of the ETC device to the ETC issuance service platform associated with the ETC device, including: In a case where no abnormal ETC information matching the ETC information of the ETC device exists in the dynamic blacklist library, send the ETC information of the ETC device to the ETC issuance service platform associated with the ETC device.

4. The method of claim 3, wherein, After the ETC information of the ETC device is matched with abnormal ETC information in a preset dynamic blacklist library, the method further includes: In a case where abnormal ETC information matching the ETC information of the ETC device exists in the dynamic blacklist library, generate transaction failure information; Send the transaction failure information to the merchant device, so that the merchant device outputs prompt information based on the transaction failure information, wherein the prompt information is used to prompt a user of the ETC device to replace a settlement mode.

5. An information interaction device, characterized in that, The device is applied to an ETC cross-scene application platform, and is used for issuing and managing keys for merchant devices of each merchant and a merchant device operation platform, and realizing unified management of merchant network access. The first receiving module is configured to receive ETC information and consumption order information of an electronic toll collection (ETC) device sent by a merchant device. The first sending module is configured to send the ETC information of the ETC device to an ETC issuing service platform associated with the ETC device. The second receiving module is configured to receive subscription information sent by the ETC issuing service platform, and obtain payment credential information based on the subscription information, the subscription information being obtained by the ETC issuing service platform based on the ETC information of the ETC device, and the payment credential information including resource account information of the ETC device. The second sending module is configured to send the consumption order information and the payment credential information to a financial service platform, so that the financial service platform settles a consumption order corresponding to the consumption order information based on the payment credential information. The fifth sending module is configured to send a resource transfer request to the financial service platform in a case where a preset period is reached or the resource transfer request sent by the merchant device is received, so that the financial service platform obtains at least one piece of settlement information associated with the merchant device in the preset period, and transfers consumption resources corresponding to the at least one piece of settlement information to a resource account associated with the merchant device, the settlement information including deduction transaction information.

6. The apparatus of claim 5, wherein, Further comprising: The third receiving module is configured to receive resource deduction information generated after the financial service platform completes settlement processing. The third sending module is configured to send the resource deduction information to the merchant device and the ETC issuing service platform respectively.

7. The apparatus of claim 5, wherein, Further comprising: The ETC information matching module is configured to match the ETC information of the ETC device with abnormal ETC information in a preset dynamic list library. The first sending module is specifically configured to: In a case where no abnormal ETC information matching the ETC information of the ETC device exists in the dynamic list library, send the ETC information of the ETC device to an ETC issuing service platform associated with the ETC device.

8. The apparatus of claim 7, wherein, Further comprising: The information generation module is configured to, in a case where abnormal ETC information matching the ETC information of the ETC device exists in the dynamic list library, generate transaction failure information. The fourth sending module is configured to send the transaction failure information to the merchant device, so that the merchant device outputs prompt information based on the transaction failure information, the prompt information being used to prompt a user of the ETC device to replace a settlement mode.

9. An electronic device, comprising: The device includes a processor and a memory, the memory stores programs or instructions executable on the processor, and the programs or instructions are executed by the processor to implement the steps of the information interaction method according to any one of claims 1-4.

10. A readable storage medium, characterized by, The readable storage medium stores programs or instructions, and the programs or instructions are executed by the processor to implement the steps of the information interaction method according to any one of claims 1-4.

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