An ETC parking lot on-line transaction system

Abstract

The application discloses an ETC parking lot online transaction system, and belongs to the technical field of ETC parking lot transaction, which comprises a vehicle entry system, a vehicle in-place system and a vehicle exit system, the vehicle entry system is used for recording information when the vehicle enters, the vehicle in-place system is used for recording information of the vehicle in the parking lot, and the vehicle exit system is used for recording exit information of the vehicle, the application can realize the functions of convergence, legality verification, in-place vehicle risk control verification and the like of ETC parking lot application transaction flow, has the online key service function, realizes online transaction verification of the ETC multi-scene service platform, and guarantees the safety and effectiveness of the ETC parking transaction flow; the business processes of the three stages of vehicle entry, vehicle in-place and vehicle exit are designed, the financial institution's risk of capital provision is reduced; and the operation state monitoring of the related software and hardware of the parking lot ETC access system can be realized, and the analysis and processing capacity of the ETC parking lot application business data is possessed.

Description

Technical Field

[0001] This invention relates to the field of ETC parking transaction technology, specifically an ETC parking online transaction system. Background Technology

[0002] Electronic Toll Collection (ETC) is a system that automatically completes vehicle identification, toll collection, lane control, and toll data processing without vehicles stopping, using technologies such as radio frequency identification (RFID) and computers. As a contactless and secure payment method, the widespread application of ETC at the city level can greatly improve user service levels and experience, while also effectively increasing the efficiency of ETC devices and optimizing the allocation of social resources. Applying ETC to smart city governance, traffic management, and services can effectively support urban digital development: on the one hand, it can serve as a key device for urban traffic sensing, enabling the collection of vehicle trajectories and statuses across the entire travel chain, thus providing data support for urban traffic planning, congestion management, and public transport priority; on the other hand, ETC can connect the automotive service payment industry chain, including refueling, parking, repair, and insurance, empowering smart cities and driving the rapid development of the smart city digital transportation economy, thereby achieving a transformation in the smart city digital transportation economic development model.

[0003] In recent years, as the parking industry has gradually developed towards intelligence and the related technologies of the smart parking industry have matured, some typical provinces and cities have actively explored ETC parking fees. Taking large social service venues such as transportation hubs, hospitals, schools, and scenic spots as examples, more and more parking lots have begun to introduce ETC fees, and the application of ETC in hospital parking lots, scenic spot parking lots, and public parking lots is also rapidly advancing. Although there has been some practice, the current operation and service model of ETC parking has exposed some problems and challenges: (1) The current clearing and settlement system of the highway industry cannot meet the compliance requirements of ETC application in non-highway scenarios. (2) There are risks of fund advance payment and bottom-line guarantee in offline ETC transactions in parking lots. (3) The fund settlement cycle of ETC account payment is long, which cannot meet the fund recovery needs of parking lot merchants. (4) Risks and security issues of industry keys being dispersed to parking lot lanes. Summary of the Invention

[0004] The purpose of this invention is to provide an online ETC parking transaction system that can realize functions such as the aggregation of ETC parking application transaction flow, legality verification, and on-site vehicle risk control verification. It has online key service functions, realizes online transaction verification of ETC multi-scenario service platform, and ensures the security and effectiveness of ETC parking transaction flow. It designs a business process of three stages: vehicle entry, vehicle presence, and vehicle exit, reducing the risk of advance payment by financial institutions. It can also realize the monitoring of the operation status of related software and hardware of parking lot ETC access system, and has the ability to analyze and process ETC parking application business data.

[0005] To solve the above problems, the present invention adopts the following technical solution:

[0006] An ETC parking lot online transaction system includes a vehicle entry system, a vehicle presence system, and a vehicle exit system. The vehicle entry system records information when a vehicle enters the parking lot, the vehicle presence system records information about the vehicle while it is in the parking lot, and the vehicle exit system records information about the vehicle leaving the parking lot. The vehicle entry system, the vehicle presence system, and the vehicle exit system are connected to each other via a network.

[0007] As a preferred embodiment of the present invention, the vehicle entry system includes an online entry transaction, which includes the following steps:

[0008] A1. The parking lot ETC access system interacts with the platform daily to complete the sign-in authorization authentication, and the parking lot operator can download the sign-in information from the platform;

[0009] A2. The parking lot ETC access system broadcasts to wake up the OBU, obtains the vehicle encrypted information, and obtains MAC1 at the same time;

[0010] A3. The parking lot ETC access system sends the CA certificate, encrypted text, MAC1 and vehicle entry time information to the platform to initiate an entry request.

[0011] A4. The ETC multi-scenario service platform must first undergo CA certification;

[0012] A5. Translate MAC1 to the Ministry / Province online key platform via MAC1;

[0013] A6. The ETC multi-scenario service platform generates a random code for entry transactions. At the same time, based on the device's sign-in authorization code and other information, it generates an encrypted ciphertext for entry through an algorithm.

[0014] A7. The ETC multi-scenario service platform returns the consumption key and the generated entry encrypted ciphertext to the parking lot system, and at the same time completes the decryption of the OBU ciphertext to obtain vehicle information.

[0015] A8. The parking lot ETC access system writes encrypted ciphertext into EF04;

[0016] A9. After obtaining the OBU information and license plate information, the lane system can raise the barrier to allow passage.

[0017] As a preferred embodiment of the present invention, the vehicle presence system includes on-site vehicle risk control verification, which includes the following steps:

[0018] B1. After receiving the parking entrance information, the ETC multi-scenario service platform reports successful reception to the lane.

[0019] B2. The ETC multi-scenario service platform sends an entry notification to the on-site vehicle risk control service.

[0020] B3. On-site risk control services aggregate data from the department to query the vehicle status list;

[0021] B4. On-site risk control services are subject to certification, supervision, and inquiry of contractual relationships with the Ministry.

[0022] B5. On-site risk control service updates vehicle risk control status regularly based on the status list and contractual relationship.

[0023] As a preferred embodiment of the present invention, the vehicle exit system includes exit transactions, which include exit debit card transactions and exit savings card transactions. The exit debit card transactions are used to record debit card transaction information, and the exit savings card transactions are used to record savings card transaction information.

[0024] As a preferred embodiment of the present invention, the export debit card transaction includes the following steps:

[0025] C1. After the parking lot ETC access system senses the vehicle, it wakes up the OBU and reads the OBU's ID;

[0026] C2, OBU is woken up, and returns EF04 information and OBU encrypted information;

[0027] C3. Use the license plate number to interact with the parking lot billing system to obtain transaction information, and upload the OBU encrypted information, EF04 information, CA certificate, and transaction information to the ETC multi-scenario service platform;

[0028] C4. The platform conducts risk control verification, which includes: CA document verification, EF04 verification, on-site vehicle information verification, and others.

[0029] C5. After the risk control verification is passed, submit the OBU encrypted message to the online key service for decryption to obtain vehicle information;

[0030] C6. The platform compares the decrypted vehicle information with the vehicle information requested in plaintext. If the comparison is successful, the platform sends a deduction request to the transaction settlement platform.

[0031] C7. The transaction settlement platform initiates a deduction request to the financial institution;

[0032] C8. After conducting its own risk control and verification, the financial institution will deduct the payment and return the deduction result to the ETC multi-scenario service platform.

[0033] C9. The platform returns the transaction deduction result to the parking lot ETC access system. When the deduction is successful, the parking lot ETC access system notifies the lane toll system to raise the barrier and allow passage.

[0034] C10. The parking lot asynchronously sends the transaction records to the corresponding issuing service institution;

[0035] C11. Export debit card transaction completed;

[0036] C12. If the deduction fails, other payment methods will be offered.

[0037] As a preferred embodiment of the present invention, the export savings card transaction includes the following steps:

[0038] D1. The parking lot ETC access system identifies vehicle tags by scanning with antennas and obtains the encrypted and plaintext tags, as well as the entry information of EF04.

[0039] D2. The parking lot ETC access system directly initiates composite consumption initialization through plaintext information, device information, and transaction information, and obtains MAC1;

[0040] D3. The parking lot ETC access system will send the obtained transaction information, OBU ciphertext, EF04 information, MAC1, and CA certificate to the ETC multi-scenario service platform to initiate a transaction application.

[0041] D4 and ETC multi-scenario service platforms perform risk control verification, including CA certificate verification, EF04 encrypted verification, on-site vehicle status verification, and large transaction control. If the verification fails, the transaction will be returned as failed.

[0042] The D5 and ETC multi-scenario service platforms will submit encrypted files to the Ministry's key platform for online decryption, obtain encrypted vehicle information, and perform information verification.

[0043] D6. After completing the verification, the platform obtains the consumption key from the Ministry's online key platform;

[0044] D7. The ETC multi-scenario service platform sends transaction information to the issuing service agency for transaction deduction;

[0045] D8. The ETC multi-scenario service platform sends the deduction result and consumption key back to the parking lot ETC access system, which then initiates a compound consumption to the OBU.

[0046] D9. The parking lot ETC access system processes the payment based on the card deduction result;

[0047] D10, ETC payment successfully deducted, notify the lane toll system to raise the barrier and allow passage;

[0048] D11. If ETC payment fails, the lane system will be notified, and the payment failure information will be uploaded to the ETC multi-scenario service platform. The ETC multi-scenario service platform will then notify the corresponding issuing service agency to reverse the previous transaction, and the lane will switch to another payment method on-site.

[0049] D12. For refunds of stored-value cards, the ETC multi-scenario service platform provides a unified card-side account reimbursement portal.

[0050] A method for operating an ETC parking lot online transaction system includes the following steps:

[0051] S1. When a vehicle enters the parking lot, the ETC access system at the parking lot entrance pushes the vehicle's relevant information to the ETC multi-scenario service platform and raises the barrier to allow passage.

[0052] S2. After the vehicle enters the site, the ETC multi-scenario service platform queries the issuing, certification and supervision platform for the bank's contract number and the status of the ETC account.

[0053] S3. When the vehicle is present, the ETC multi-scenario service platform shall query the ETC account status from the issuance, certification and supervision platform every 30 minutes; the issuing service agency shall push the latest ETC user information and status to the issuance, certification and supervision platform in real time.

[0054] S4. When a vehicle leaves the parking lot, the ETC access system at the parking lot exit sends a deduction request to the ETC multi-scenario service platform.

[0055] S5. If the user has a prepaid card, the ETC multi-scenario service platform will send the deduction information to the clearing institution, which will then initiate the deduction to the bank of the ETC deduction account. The deduction result should be returned to the ETC multi-scenario service platform in real time. If the user has a prepaid card or an industry prepaid card, the ETC multi-scenario service platform will send the deduction request to the issuing service institution. The deduction result should be returned to the ETC multi-scenario service platform in real time.

[0056] S6. The ETC multi-scenario service platform will notify the parking lot exit ETC access system of the deduction result. If the deduction is successful, the barrier will be raised to allow passage. If the deduction fails, other payment methods will be used and the payment information will be sent to the ETC multi-scenario service platform.

[0057] The S7 and ETC multi-scenario service platform will send the transaction results to the issuing service agency for accounting.

[0058] As a preferred embodiment of the present invention, the ETC access system is used to record vehicle information entering the parking lot, the ETC multi-scenario service platform is used to issue commands, the issuance, authentication and supervision platform is used to query the ETC account status, the issuance service institution ensures real-time synchronization of issuance data and business with the issuance, authentication and supervision system, is responsible for upgrading and transforming the issuance service system, carries out ETC parking online transactions, accounting and deduction, and realizes the transaction processing of stored-value cards, and the clearing institution organizes, coordinates and guides the provincial ETC issuance service institutions to carry out the upgrading and transformation of related systems to support ETC parking lot applications, and when conditions are ripe, cooperates with the Ministry Center to complete the migration of ETC parking application transaction clearing and settlement business.

[0059] Compared with the prior art, the advantages of this invention are:

[0060] (1) This solution can realize the functions of ETC parking lot application transaction flow aggregation, legality verification, and on-site vehicle risk control verification. It has online key service function, realizes online transaction verification of ETC multi-scenario service platform, and ensures the safety and effectiveness of ETC parking transaction flow.

[0061] (2) This solution reduces the risk of financial institutions providing advance payments by designing a business process that includes three stages: vehicle entry, vehicle presence, and vehicle exit.

[0062] (3) This solution can monitor the operating status of the relevant software and hardware of the parking lot ETC access system, and has the ability to analyze and process ETC parking lot application business data. Attached Figure Description

[0063] Figure 1 This is a data flow diagram of the present invention.

[0064] Figure 2 This is a flowchart of the online transaction process for the present invention.

[0065] Figure 3 This is a flowchart of the entry transaction process of the present invention.

[0066] Figure 4 This is a flowchart of the on-site vehicle risk control verification process of the present invention.

[0067] Figure 5 This is a flowchart of the export debit card transaction process of the present invention.

[0068] Figure 6 This is a flowchart of the export stored value card transaction process of the present invention. Detailed Implementation

[0069] The technical solutions of the embodiments of the present invention will be clearly and completely described below with reference to the accompanying drawings. Obviously, the described embodiments are only a part of the embodiments of the present invention, and not all of them. All other embodiments obtained by those skilled in the art based on the embodiments of the present invention without creative effort are within the scope of protection of the present invention.

[0070] In the description of this invention, it should be noted that the terms "upper," "lower," "inner," "outer," "top / bottom," etc., indicate the orientation or positional relationship based on the orientation or positional relationship shown in the accompanying drawings. They are used only for the convenience of describing the invention and for simplifying the description, and do not indicate or imply that the device or element referred to must have a specific orientation, or be constructed and operated in a specific orientation. Therefore, they should not be construed as limitations on the invention. Furthermore, the terms "first" and "second" are used for descriptive purposes only and should not be construed as indicating or implying relative importance.

[0071] In the description of this invention, it should be noted that, unless otherwise explicitly specified and limited, the terms "installed," "equipped with," "sleeved / connected," "connected," etc., should be interpreted broadly. For example, "connection" can be a fixed connection, a detachable connection, or an integral connection; it can be a mechanical connection or an electrical connection; it can be a direct connection or an indirect connection through an intermediate medium; it can be a connection within two components. Those skilled in the art can understand the specific meaning of the above terms in this invention based on the specific circumstances.

[0072] Example:

[0073] Please see Figure 1-6 An ETC parking lot online transaction system includes a vehicle entry system, a vehicle presence system, and a vehicle exit system. The vehicle entry system records information when a vehicle enters the parking lot, the vehicle presence system records information about the vehicle while it is in the parking lot, and the vehicle exit system records information about the vehicle leaving the parking lot. The vehicle entry system, the vehicle presence system, and the vehicle exit system are connected to each other via a network.

[0074] Specifically, the vehicle entry system includes online entry transactions, which involve the following steps:

[0075] A1. The parking lot ETC access system interacts with the platform daily to complete the sign-in authorization authentication, and the parking lot operator can download the sign-in information from the platform;

[0076] A2. The parking lot ETC access system broadcasts to wake up the OBU, obtains the vehicle encrypted information, and obtains MAC1 at the same time;

[0077] A3. The parking lot ETC access system sends the CA certificate, encrypted text, MAC1 and vehicle entry time information to the platform to initiate an entry request.

[0078] A4. The ETC multi-scenario service platform must first undergo CA certification;

[0079] A5. Translate MAC1 to the Ministry / Province online key platform via MAC1;

[0080] A6. The ETC multi-scenario service platform generates a random code for entry transactions. At the same time, based on the device's sign-in authorization code and other information, it generates an encrypted ciphertext for entry through an algorithm.

[0081] A7. The ETC multi-scenario service platform returns the consumption key and the generated entry encrypted ciphertext to the parking lot system, and at the same time completes the decryption of the OBU ciphertext to obtain vehicle information.

[0082] A8. The parking lot ETC access system writes encrypted ciphertext into EF04;

[0083] A9. After obtaining the OBU information and license plate information, the lane system can raise the barrier to allow passage.

[0084] Specifically, the vehicle presence system includes on-site vehicle risk control verification, which includes the following steps:

[0085] B1. After receiving the parking entrance information, the ETC multi-scenario service platform reports successful reception to the lane.

[0086] B2. The ETC multi-scenario service platform sends an entry notification to the on-site vehicle risk control service.

[0087] B3. On-site risk control services aggregate data from the department to query the vehicle status list;

[0088] B4. On-site risk control services are subject to certification, supervision, and inquiry of contractual relationships with the Ministry.

[0089] B5. On-site risk control service updates vehicle risk control status regularly based on the status list and contractual relationship.

[0090] Specifically, the vehicle exit system includes exit transactions, which include exit debit card transactions and exit savings card transactions. Exit debit card transactions are used to record debit card transaction information, and exit savings card transactions are used to record savings card transaction information.

[0091] Specifically, export debit card transactions include the following steps:

[0092] C1. After the parking lot ETC access system senses the vehicle, it wakes up the OBU and reads the OBU's ID;

[0093] C2, OBU is woken up, and returns EF04 information and OBU encrypted information;

[0094] C3. Use the license plate number to interact with the parking lot billing system to obtain transaction information, and upload the OBU encrypted information, EF04 information, CA certificate, and transaction information to the ETC multi-scenario service platform;

[0095] C4. The platform conducts risk control verification, which includes: CA document verification, EF04 verification, on-site vehicle information verification (regularly verifying vehicle status with the issuing service agency), and others (large transaction control).

[0096] C5. After the risk control verification is passed, submit the OBU encrypted message to the online key service for decryption to obtain vehicle information;

[0097] C6. The platform compares the decrypted vehicle information with the vehicle information requested in plaintext. If the comparison is successful, the platform sends a deduction request to the transaction settlement platform.

[0098] C7. The transaction settlement platform initiates a deduction request to the financial institution;

[0099] C8. After conducting its own risk control and verification, the financial institution will deduct the payment and return the deduction result to the ETC multi-scenario service platform.

[0100] C9. The platform returns the transaction deduction result to the parking lot ETC access system. When the deduction is successful, the parking lot ETC access system notifies the lane toll system to raise the barrier and allow passage.

[0101] C10. The parking lot asynchronously sends the transaction records to the corresponding issuing service institution;

[0102] C11. Export debit card transaction completed;

[0103] C12. If the deduction fails, other payment methods will be offered.

[0104] Specifically, exporting a savings card involves the following steps:

[0105] D1. The parking lot ETC access system identifies vehicle tags by scanning with antennas and obtains the encrypted and plaintext tags, as well as the entry information of EF04.

[0106] D2. The parking lot ETC access system directly initiates composite consumption initialization through plaintext information, device information, and transaction information, and obtains MAC1;

[0107] D3. The parking lot ETC access system will send the obtained transaction information, OBU ciphertext, EF04 information, MAC1, and CA certificate to the ETC multi-scenario service platform to initiate a transaction application.

[0108] D4 and ETC multi-scenario service platforms perform risk control verification, including CA certificate verification, EF04 encrypted verification, on-site vehicle status verification, and large transaction control. If the verification fails, the transaction will be returned as failed.

[0109] The D5 and ETC multi-scenario service platforms will submit encrypted files to the Ministry's key platform for online decryption, obtain encrypted vehicle information, and perform information verification.

[0110] D6. After completing the verification, the platform obtains the consumption key from the Ministry's online key platform;

[0111] D7. The ETC multi-scenario service platform sends transaction information to the issuing service agency for transaction deduction;

[0112] D8. The ETC multi-scenario service platform sends the deduction result and consumption key back to the parking lot ETC access system, which then initiates a compound consumption to the OBU.

[0113] D9. The parking lot ETC access system processes the payment based on the card deduction result;

[0114] D10, ETC payment successfully deducted, notify the lane toll system to raise the barrier and allow passage;

[0115] D11. If ETC payment fails, the lane system will be notified, and the payment failure information will be uploaded to the ETC multi-scenario service platform. The ETC multi-scenario service platform will then notify the corresponding issuing service agency to reverse the previous transaction, and the lane will switch to another payment method on-site.

[0116] D12. For refunds of stored-value cards, the ETC multi-scenario service platform provides a unified card-side account reimbursement portal.

[0117] Online transaction processing for stored-value cards should include functions such as inquiry, deduction, reversal / refund.

[0118] A method for operating an ETC parking lot online transaction system includes the following steps:

[0119] S1. When a vehicle enters the parking lot, the ETC access system at the parking lot entrance pushes the vehicle's relevant information to the ETC multi-scenario service platform and raises the barrier to allow passage.

[0120] S2. After the vehicle enters the site, the ETC multi-scenario service platform queries the issuing, certification and supervision platform for the bank's contract number (account card) and the status of the ETC account.

[0121] S3. When the vehicle is present, the ETC multi-scenario service platform queries the ETC account status to the issuance, certification and supervision platform every 30 minutes (and reports any abnormal queries to the parking lot); the issuing service agency should push the latest ETC user information and status to the issuance, certification and supervision platform in real time.

[0122] S4. When a vehicle leaves the parking lot, the ETC access system at the parking lot exit sends a deduction request to the ETC multi-scenario service platform.

[0123] S5. If the user has a prepaid card, the ETC multi-scenario service platform will send the deduction information to the clearing institution, which will then initiate the deduction to the bank of the ETC deduction account. The deduction result should be returned to the ETC multi-scenario service platform in real time. If the user has a prepaid card or an industry prepaid card, the ETC multi-scenario service platform will send the deduction request to the issuing service institution. The deduction result should be returned to the ETC multi-scenario service platform in real time.

[0124] S6. The ETC multi-scenario service platform will notify the parking lot exit ETC access system of the deduction result. If the deduction is successful, the barrier will be raised to allow passage. If the deduction fails, other payment methods will be used and the payment information will be sent to the ETC multi-scenario service platform.

[0125] The S7 and ETC multi-scenario service platform will send the transaction results to the issuing service agency for accounting.

[0126] Specifically, the ETC access system records vehicle information upon entry, the ETC multi-scenario service platform issues commands, and the issuance, certification, and supervision platform queries ETC account status. Issuance service agencies ensure real-time synchronization of issuance data and business with the issuance, certification, and supervision system, are responsible for upgrading and transforming the issuance service system, and conduct ETC parking online transactions, accounting and deductions, and transaction processing for stored-value cards. In actual use, issuance service agencies should update user information, status, and contractual relationships to the Ministry's issuance, certification, and supervision platform in real time. They should also interface with the ETC multi-scenario service platform, providing functions such as stored-value card account balance inquiry and accounting verification; online transaction functions such as stored-value card deductions, refunds, and order status inquiries; and transaction accounting and reconciliation functions. The clearing agency organizes, coordinates, and guides provincial ETC issuance service agencies in upgrading and transforming relevant systems to support ETC parking applications. When conditions are ripe, they will cooperate with the Ministry's center to complete the migration of ETC parking application transaction clearing and settlement business.

[0127] The above description is only a preferred embodiment of the present invention, but the scope of protection of the present invention is not limited thereto. Any equivalent substitutions or modifications made by those skilled in the art within the scope of the technology disclosed in the present invention, based on the technical solution and its improved concept, should be covered within the scope of protection of the present invention.

Claims

1. An ETC parking lot online transaction system, comprising a vehicle entry system, a vehicle presence system, and a vehicle exit system, characterized in that: The vehicle entry system records information when a vehicle enters the parking lot, the vehicle presence system records information about the vehicle within the parking lot, and the vehicle exit system records information about the vehicle leaving the parking lot. The vehicle entry system, vehicle presence system, and vehicle exit system are interconnected via a network. The vehicle entry system includes online entry transactions, which include the following steps: A1. The parking lot ETC access system interacts with the platform daily to complete the sign-in authorization authentication, and the parking lot operator downloads the sign-in information from the platform; A2. The parking lot ETC access system broadcasts to wake up the OBU, obtains the vehicle encrypted information, and obtains MAC1 at the same time; A3. The parking lot ETC access system sends the CA certificate, encrypted text, MAC1 and vehicle entry time information to the platform to initiate an entry request. A4. The ETC multi-scenario service platform must first undergo CA certification; A5. Translate MAC1 to the Ministry / Province online key platform via MAC1; A6. The ETC multi-scenario service platform generates a random code for entry transactions, and at the same time, based on the device's sign-in authorization code, it generates an encrypted ciphertext for entry through an algorithm. A7. The ETC multi-scenario service platform returns the consumption key and the generated entry encrypted ciphertext to the parking lot system, and at the same time completes the decryption of the OBU ciphertext to obtain vehicle information. A8. The parking lot ETC access system writes encrypted ciphertext into EF04; A9. After obtaining the OBU information and license plate information, the lane system will raise the barrier to allow passage.

2. The ETC parking lot online transaction system according to claim 1, characterized in that, The vehicle presence system includes on-site vehicle risk control verification, which includes the following steps: B1. After receiving the parking entrance information, the ETC multi-scenario service platform reports successful reception to the lane. B2. The ETC multi-scenario service platform sends an entry notification to the on-site vehicle risk control service. B3. On-site vehicle risk control service aggregates data from the department to query the vehicle status list; B4. On-site vehicle risk control services are subject to certification, supervision, and inquiry of contractual relationships with the Ministry. B5. On-site vehicle risk control service updates vehicle risk control status regularly based on the status list and contractual relationship.

3. The ETC parking lot online transaction system according to claim 1, characterized in that: The vehicle exit system includes exit transactions, which include exit debit card transactions and exit savings card transactions. The exit debit card transactions are used to record debit card transaction information, and the exit savings card transactions are used to record savings card transaction information.

4. The ETC parking lot online transaction system according to claim 3, characterized in that, The export debit card transaction includes the following steps: C1. After the parking lot ETC access system senses the vehicle, it wakes up the OBU and reads the OBU's ID; C2, OBU is woken up, and returns EF04 information and OBU encrypted information; C3. Use the license plate number to interact with the parking lot billing system to obtain transaction information, and upload the OBU encrypted information, EF04 information, CA certificate, and transaction information to the ETC multi-scenario service platform; C4. The platform conducts risk control verification, which includes: CA document verification, EF04 verification, and on-site vehicle information verification. C5. After the risk control verification is passed, submit the OBU encrypted message to the online key service for decryption to obtain vehicle information; C6. The platform compares the decrypted vehicle information with the vehicle information requested in plaintext. If the comparison is successful, the platform sends a deduction request to the transaction settlement platform. C7. The transaction settlement platform initiates a deduction request to the financial institution; C8. After conducting its own risk control and verification, the financial institution will deduct the payment and return the deduction result to the ETC multi-scenario service platform. C9. The platform returns the transaction deduction result to the parking lot ETC access system. When the deduction is successful, the parking lot ETC access system notifies the lane toll system to raise the barrier and allow passage. C10. The parking lot asynchronously sends the transaction records to the corresponding issuing service institution; C11. Export debit card transaction completed; C12. If the deduction fails, other payment methods will be offered.

5. The ETC parking lot online transaction system according to claim 4, characterized in that, The export savings card transaction includes the following steps: D1. The parking lot ETC access system identifies vehicle tags by scanning with antennas and obtains the encrypted and plaintext tags, as well as the entry information of EF04. D2. The parking lot ETC access system directly initiates composite consumption initialization through plaintext information, device information, and transaction information, and obtains MAC1; D3. The parking lot ETC access system will send the obtained transaction information, OBU ciphertext, EF04 information, MAC1, and CA certificate to the ETC multi-scenario service platform to initiate a transaction application. D4 and ETC multi-scenario service platforms perform risk control verification, including CA certificate verification, EF04 encrypted verification, on-site vehicle status verification, and large transaction control. If the verification fails, the transaction will be returned as failed. The D5 and ETC multi-scenario service platforms will submit encrypted files to the Ministry's key platform for online decryption, obtain encrypted vehicle information, and perform information verification. D6. After completing the verification, the platform obtains the consumption key from the Ministry's online key platform; D7. The ETC multi-scenario service platform sends transaction information to the issuing service agency for transaction deduction; D8. The ETC multi-scenario service platform sends the deduction result and consumption key back to the parking lot ETC access system, which then initiates a compound consumption to the OBU. D9. The parking lot ETC access system processes the payment based on the card deduction result; D10, ETC payment successfully deducted, notify the lane toll system to raise the barrier and allow passage; D11. If ETC payment fails, the lane system will be notified, and the payment failure information will be uploaded to the ETC multi-scenario service platform. The ETC multi-scenario service platform will then notify the corresponding issuing service agency to reverse the previous transaction, and the lane will switch to another payment method on-site. D12. For refunds of stored-value cards, the ETC multi-scenario service platform provides a unified card-side account reimbursement portal.

6. The working method of an ETC parking lot online transaction system according to any one of claims 1-5, characterized in that, Includes the following steps: S1. When a vehicle enters the parking lot, the ETC access system at the parking lot entrance pushes the vehicle's relevant information to the ETC multi-scenario service platform and raises the barrier to allow passage. S2. After the vehicle enters the site, the ETC multi-scenario service platform queries the issuing, certification and supervision platform for the bank's contract number and the status of the ETC account. S3. When the vehicle is present, the ETC multi-scenario service platform shall query the ETC account status from the issuance, certification and supervision platform every 30 minutes; the issuing service agency shall push the latest ETC user information and status to the issuance, certification and supervision platform in real time. S4. When a vehicle leaves the parking lot, the ETC access system at the parking lot exit sends a deduction request to the ETC multi-scenario service platform. S5. If the user has a prepaid card, the ETC multi-scenario service platform will send the deduction information to the clearing institution, which will then initiate the deduction to the bank of the ETC deduction account. The deduction result should be returned to the ETC multi-scenario service platform in real time. If the user has a prepaid card or an industry prepaid card, the ETC multi-scenario service platform will send the deduction request to the issuing service institution. The deduction result should be returned to the ETC multi-scenario service platform in real time. S6. The ETC multi-scenario service platform will notify the parking lot exit ETC access system of the deduction result. If the deduction is successful, the barrier will be raised to allow passage. If the deduction fails, other payment methods will be used and the payment information will be sent to the ETC multi-scenario service platform. The S7 and ETC multi-scenario service platform will send the transaction results to the issuing service agency for accounting.

7. The method according to claim 6, characterized in that: The ETC access system is used to record vehicle information entering the parking lot. The ETC multi-scenario service platform is used to issue commands. The issuance, authentication, and supervision platform is used to query the ETC account status. The issuance service institution ensures real-time synchronization of issuance data and business with the issuance, authentication, and supervision system, is responsible for upgrading and transforming the issuance service system, carrying out ETC parking online transactions, accounting and deduction, and realizing the transaction processing of stored-value cards. The clearing institution organizes, coordinates, and guides the provincial ETC issuance service institutions to carry out the upgrading and transformation of relevant systems to support ETC parking lot applications. When conditions are ripe, it will cooperate with the Ministry Center to complete the migration of ETC parking application transaction clearing and settlement business.

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