Payment method for ETC system, related products and ETC system

Abstract

The present invention relates to a payment method, related products and ETC system for an ETC system, wherein the ETC system includes a roadside unit and a vehicle-mounted medium supporting a digital RMB hard wallet, and the payment method includes obtaining payment information from the vehicle-mounted medium via the roadside unit; selectively determining a deduction application related to the digital RMB hard wallet in the vehicle-mounted medium based on the payment information; sending a deduction application to the vehicle-mounted medium via the roadside unit; obtaining deduction response information from the vehicle-mounted medium via the roadside unit; determining a collection result based on the deduction response information; and transmitting the collection result to the vehicle-mounted medium via the roadside unit to realize semi-offline payment of the ETC system. Through the technical solution of the present invention, the semi-offline payment of the ETC system can be realized in combination with the digital RMB hard wallet as a new payment method.

Description

Technical Field

[0001] The present invention generally relates to the field of digital RMB technology. More specifically, the present invention relates to a payment method for an ETC system, a roadside toll collection unit and a computer-readable storage medium for executing the aforementioned payment method, and an ETC system. Background Art

[0002] This section is intended to provide background or context for the embodiments of the invention set forth in the claims. The descriptions herein may include concepts that may be explored, but not necessarily concepts that have been previously thought of or explored. Therefore, unless otherwise noted herein, the content described in this section is not prior art with respect to the specification and claims of this application, and is not admitted to be prior art by inclusion in this section.

[0003] The fully automatic electronic toll collection system (ETC) is one of the service functions of the intelligent transportation system, also known as the electronic non-stop toll collection system, which is usually used in highways or bridges and tunnels with busy traffic. In the current car life, ETC has the advantages of long-distance and fast communication, which can meet the needs of non-stop toll collection on highways. However, the current ETC payment method usually involves bank accounts. The clearing and settlement of each section of the road during the entire payment process will involve inter-bank transfers, etc., which not only requires handling fees, but also has a long settlement cycle. At the same time, with the advancement and development of electronic information and Internet technology, the digitization of the RMB has become inevitable in the future. Traditional digital RMB payment methods usually use short-range communication technologies such as NFC or video recognition. This digital RMB payment method that relies on short-range communication technology has problems such as low payment efficiency and long transaction time. It is also not suitable for scenarios such as long-distance payment, especially for scenarios with non-stop toll collection needs.

[0004] It can be seen that the traditional payment methods used in the ETC system have great limitations and are in urgent need of improvement. Summary of the invention

[0005] In order to at least solve the technical problems described in the above background technology section, the present invention proposes a payment solution for the ETC system. Using the solution of the present invention, the digital RMB hard wallet can be combined as a new payment method to realize the semi-offline payment of the ETC system. In view of this, the present invention provides solutions in the following aspects.

[0006] The first aspect of the present invention provides a payment method for an ETC system, the ETC system comprising a roadside unit and a vehicle-mounted medium supporting a digital RMB hard wallet, the payment method comprising: obtaining payment information from the vehicle-mounted medium via the roadside unit; selectively determining a deduction application related to the digital RMB hard wallet in the vehicle-mounted medium based on the payment information; sending the deduction application to the vehicle-mounted medium via the roadside unit; obtaining deduction response information from the vehicle-mounted medium via the roadside unit, wherein the deduction response information is generated based on the deduction application and its digital RMB hard wallet; determining a collection result based on the deduction response information; and transmitting the collection result to the vehicle-mounted medium via the roadside unit to realize semi-offline payment of the ETC system.

[0007] In one embodiment, the payment information includes the deduction method supported by the vehicle-mounted medium, the deduction information related to the deduction method and / or the priority corresponding to the deduction method, and selectively determining the deduction application related to the digital RMB hard wallet in the vehicle-mounted medium based on the payment information includes: in response to the deduction method being the digital RMB hard wallet method, determining the deduction application based on the deduction information related to the digital RMB hard wallet method; in response to the deduction method being a plurality of deduction methods including the digital RMB hard wallet method, selectively determining the deduction application based on the deduction information related to the digital RMB hard wallet method according to the priorities of the plurality of deduction methods.

[0008] In one embodiment, the multiple deduction methods include a digital RMB hard wallet method and a bank account method, and according to the priorities of the multiple deduction methods, selectively determining the deduction application based on the deduction information related to the digital RMB hard wallet method includes: in response to determining that the priority of the digital RMB hard wallet method is higher than the bank account method, determining the deduction application based on the deduction information related to the digital RMB hard wallet method; in response to determining that the priority of the bank account method is higher than the digital RMB hard wallet method and payment using the bank account method fails, determining the deduction application based on the deduction information related to the digital RMB hard wallet method.

[0009] In one embodiment, it also includes: in response to determining that the digital RMB hard wallet method has a higher priority than the bank account method and payment using the digital RMB hard wallet method fails, using the bank account method to complete payment of the ETC system.

[0010] In one embodiment, the deduction information related to the digital RMB hard wallet method includes first billing information related to the digital RMB hard wallet in the vehicle-mounted medium and second billing information related to the vehicle bound to the vehicle-mounted medium. Determining the deduction application based on the deduction information related to the digital RMB hard wallet method includes: determining the deduction information based on the first billing information and the second billing information; and encrypting the deduction information to obtain the deduction application.

[0011] In one embodiment, the deduction response information includes the encrypted digital RMB transferred from the vehicle-mounted medium, and determining the collection result based on the deduction response information includes: decrypting the deduction response information; sending the decrypted digital RMB to the charging management background for validity verification; and generating the collection result in response to receiving feedback from the charging management background that the verification is passed.

[0012] In one embodiment, the roadside unit implements information transmission in a transparent transmission manner.

[0013] The second aspect of the present invention provides a roadside toll collection unit, comprising: a processor; and a memory storing computer instructions for payment of an ETC system, wherein when the computer instructions are executed by the processor, the roadside toll collection unit executes the payment method described in the first aspect above and in multiple embodiments below.

[0014] The third aspect of the present invention provides a computer-readable storage medium comprising program instructions for payment of an ETC system. When the program instructions are executed by a processor, the payment method described in the first aspect above and in multiple embodiments below is implemented.

[0015] The fourth aspect of the present invention provides an ETC system, which includes a roadside unit and a vehicle-mounted medium that supports a digital RMB hard wallet, and also includes: a roadside charging unit, which interacts with the roadside unit and interacts with the vehicle-mounted medium via the roadside unit, and is configured to execute the payment method described in the first aspect above and in multiple embodiments below to support semi-offline payment of the ETC system.

[0016] In one embodiment, it also includes: a digital RMB settlement system, which interacts with the roadside toll collection unit and is configured to selectively support semi-offline payment of the ETC system based on a digital RMB hard wallet based on the interaction with the roadside toll collection unit.

[0017] In one embodiment, the vehicle-mounted medium is also configured to respond to an external device's demand for interaction with its digital RMB hardware wallet and perform operations related to the interaction demand on its digital RMB hardware wallet.

[0018] In one embodiment, the roadside unit exchanges information with the roadside charging unit and the vehicle-mounted medium in a transparent transmission manner.

[0019] By using the solution provided by the present invention, the payment information about the digital RMB hard wallet can be exchanged between the roadside unit and the vehicle-mounted medium, thereby realizing the semi-offline payment of the ETC system. It can be seen that the solution of the present invention can innovate the existing ETC charging model, and through the complementary advantages of digital RMB and ETC, effectively improve the payment distance of digital RMB, and make the payment of digital RMB more flexible and changeable, which not only meets the scene of non-stop charging, but also fundamentally improves the traffic efficiency of application scenarios such as highways and smart parking lots, so as to achieve the purpose of saving resources and reducing vehicle pollution. In addition, the advantages of the digital RMB payment method can be fully utilized to reduce the handling fees of inter-bank transfers, and realize fast arrival of accounts and no need to wait for the bank's T+1 clearing and settlement time. BRIEF DESCRIPTION OF THE DRAWINGS

[0020] By reading the following detailed description with reference to the accompanying drawings, the above and other objects, features and advantages of the exemplary embodiments of the present invention will become readily understood. In the accompanying drawings, several embodiments of the present invention are shown in an exemplary and non-limiting manner, and the same or corresponding reference numerals represent the same or corresponding parts, wherein:

[0021] Figure 1 is a flow chart showing a payment method for an ETC system according to one embodiment of the present invention;

[0022] Figure 2 is a block diagram showing a structure of an ETC system according to an embodiment of the present invention;

[0023] Figure 3 is a flow chart showing a payment method for an ETC system according to another embodiment of the present invention;

[0024] Figure 4 is a flow chart showing a payment method for an ETC system according to yet another embodiment of the present invention;

[0025] Figure 5 is a block diagram showing a structure of a roadside charging unit according to an embodiment of the present invention; and

[0026] Figure 6 is a block diagram showing the structure of a vehicle-mounted medium according to an embodiment of the present invention. DETAILED DESCRIPTION

[0027] 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 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 those skilled in the art without creative work are within the scope of protection of the present invention.

[0028] It should be understood that the terms "first", "second", "third" and "fourth" etc. in the claims, specifications and drawings of the present invention are used to distinguish different objects rather than to describe a specific order. The terms "include" and "comprise" used in the specification and claims of the present invention indicate the presence of the described features, wholes, steps, operations, elements and / or components, but do not exclude the presence or addition of one or more other features, wholes, steps, operations, elements, components and / or their collections.

[0029] It should also be understood that the terms used in this specification of the present invention are only for the purpose of describing specific embodiments and are not intended to limit the present invention. As used in the specification of the present invention and the claims, the singular forms of "a", "an" and "the" are intended to include the plural forms unless the context clearly indicates otherwise. It should also be further understood that the term "and / or" used in the specification of the present invention and the claims refers to any combination of one or more of the associated listed items and all possible combinations, and includes these combinations.

[0030] As used in this specification and claims, the term "if" may be interpreted as "when" or "upon" or "in response to determining" or "in response to detecting," depending on the context. Similarly, the phrase "if it is determined" or "if [described condition or event] is detected" may be interpreted as meaning "upon determination" or "in response to determining" or "upon detection of [described condition or event]" or "in response to detecting [described condition or event]," depending on the context.

[0031] The inventor found that in the current car life, the payment methods used in the ETC system mostly adopt traditional account payment or stored value payment, which is a single form of traditional payment method. For example, the current payment method requires the vehicle-mounted equipment to be uniquely bound to the vehicle, and the vehicle-mounted equipment needs to be bound to a personal bank account, which makes personal information easy to leak. In addition, because of the bank account used, the clearing and settlement of each section of the road will involve inter-bank transfers, etc., which requires handling fees and a long settlement cycle, and urgently needs to be improved. In addition, the inventor also found that with the promotion of digital RMB, people use digital RMB in more and more scenarios in life. Digital RMB adopts the principle of "small amounts are anonymous, large amounts can be traced according to law", and the amount of information collected is less than that of existing electronic payment tools, which meets the needs of anonymous payment and protects user privacy. The traditional digital RMB payment methods mainly include payment methods such as scanning code payment, payment code payment, and transfer payment. Among the above methods, scanning code payment and payment code payment use video recognition technology, and transfer payment uses near-field communication technology. Whether it is video recognition technology or near-field communication technology, the communication distance is relatively close. This digital RMB payment method that relies on short-range communication technology has problems such as low payment efficiency and long transaction time, and cannot be directly applied to scenarios that require long-distance payment, such as non-stop toll collection. To this end, the inventor found through research that the advantages of digital RMB and the ETC system can be complemented to achieve long-distance and fast payment of digital RMB, so that the digital RMB payment method can be effectively applied in car life scenarios.

[0032] The specific embodiments of the present invention are described in detail below with reference to the accompanying drawings.

[0033] Figure 1 is a flow chart showing a payment method 100 for an ETC system according to an embodiment of the present invention. It should be noted that the ETC system here may include a roadside unit and a vehicle-mounted medium supporting a digital RMB hard wallet, and the two have the communication advantage of long-distance rapid response. Among them, the vehicle-mounted medium may include an on-board unit (OBU for short), a composite pass card (CPC for short), and the like. It can be understood that the specific form of the vehicle-mounted medium is not limited here, and other carriers in the vehicle that can communicate with the roadside unit and support the digital RMB hard wallet may also be included. In addition, the digital RMB can be considered as a virtual currency based on a node network and a digital encryption algorithm, and the digital RMB wallet is a storage medium for the digital RMB. Among them, the digital RMB hard wallet can be understood as a form of a digital RMB wallet, which can store the key associated with the digital asset separately in a chip, isolated from the Internet, to ensure the security of the digital asset.

[0034] like Figure 1As shown, at step S101, payment information can be obtained from the vehicle-mounted medium via the roadside unit. In the ETC system, the roadside unit can use mainstream communication methods (for example, dedicated short-range communication DSRC, etc.) with the vehicle-mounted medium. In some embodiments, the roadside unit can specifically continuously scan the vehicle-mounted medium in the lane to establish a communication link with the vehicle-mounted medium. The vehicle-mounted medium supports the digital RMB hard wallet and can interact with the payment information through the established communication link.

[0035] Next, at step S102, a deduction application related to the digital RMB hard wallet in the vehicle medium can be selectively determined based on the payment information. When the payment information uploaded by the roadside unit is obtained, a deduction application related to the digital RMB hard wallet in the vehicle medium can be further obtained from the payment information.

[0036] Specifically, in some instances, the payment information may include the deduction method supported by the vehicle-mounted medium and the deduction information related to the deduction method. Among them, when the deduction method is a digital RMB hard wallet method, the deduction application can be directly determined based on the deduction information related to the digital RMB hard wallet method. In other instances, when the deduction method is a plurality of deduction methods including a digital RMB hard wallet method, the payment information may further include the priority corresponding to the deduction method in addition to the deduction method supported by the vehicle-mounted medium and the deduction information related to the deduction method. At this time, the deduction application can be selectively determined based on the deduction information related to the digital RMB hard wallet method according to the priority of multiple deduction methods. For example, when the digital RMB hard wallet method is higher than other deduction methods, the digital RMB hard wallet method can be selected as the transaction method for this transaction, and the deduction application can be further determined based on the deduction information related to the digital RMB hard wallet method. Of course, it is understandable that if the priority of other deduction methods is higher than the digital RMB hard wallet method, other deduction methods can be selected as the transaction method for this transaction. In addition, the priority settings for various deduction methods including the digital RMB hard wallet method can be set by system default or customized by the user.

[0037] Further, in some specific implementation scenarios, the aforementioned multiple deduction methods may include a digital RMB hard wallet method and a bank account method. In this scenario, if the priority of the digital RMB hard wallet method is higher than the bank account method, the digital RMB hard wallet method can be selected as the transaction method for this transaction, and the deduction application can be further determined based on the deduction information related to the digital RMB hard wallet method. If the priority of the bank account method is higher than the digital RMB hard wallet method, the bank account method can be selected as the transaction method for this transaction. When the priority of the bank account method is higher than the digital RMB hard wallet method and the payment fails using the bank account method, the digital RMB hard wallet method can still be selected as the transaction method for this transaction. In addition, when the priority of the digital RMB hard wallet method is higher than the bank account method and the payment fails using the digital RMB hard wallet method (for example, the payment fails due to factors such as insufficient wallet balance), the bank account method can continue to be used to complete the payment of the ETC system. As a result, a variety of deduction methods can meet the different needs of users, and the deduction success rate can be ensured by being compatible with multiple deduction methods, so as to improve the traffic efficiency of vehicles.

[0038] Further, in some embodiments, the deduction information related to the digital RMB hard wallet method may include the first billing information related to the digital RMB hard wallet in the vehicle-mounted medium and the second billing information related to the vehicle bound to the vehicle-mounted medium. In some embodiments, the aforementioned deduction information can be determined by the first billing information and the second billing information. Among them, the first billing information may include the basic information of the hard wallet, such as the carrier information, the total amount of the wallet, and the balance, and the second billing information may include the basic information of the vehicle, the entrance information, and the trip information. Related information required for calculating the payment amount. After the vehicle-mounted medium establishes a communication link with the roadside unit, the aforementioned first billing information and the second billing information are obtained through the communication link, and the deduction information is determined according to the first billing information and the second billing information. Then, only the deduction information can be encrypted to determine the deduction application. In some embodiments, only the first billing information in the deduction information can be encrypted, thereby avoiding the leakage of user sensitive information. In other embodiments, the deduction information can be encrypted as a whole, so as to avoid the leakage of sensitive information to the greatest extent and ensure the security of the transaction process. It should be noted that the above detailed description of the fee deduction application determination process is only an exemplary description, and the solution of the present invention is not limited thereto.

[0039] After the determination of the deduction application is completed, at step S103, the deduction application can be sent to the vehicle medium via the roadside unit. In some embodiments, the deduction application can be sent to the vehicle medium based on the long-distance and fast communication advantage between the roadside unit and the vehicle medium (such as dedicated short-range communication DSRC, etc.).

[0040] Next, at step S104, the deduction response information can be obtained from the vehicle-mounted medium via the roadside unit. After receiving the deduction application, the vehicle-mounted medium can generate the deduction response information based on the deduction application and its digital RMB hard wallet. Then, the deduction response information is sent to the roadside unit, which continues to upload the deduction response information as a communication medium.

[0041] Next, at step S105, the payment result may be determined based on the charge response information. After receiving the charge response information fed back by the vehicle medium via the roadside unit, it may be further determined whether the payment is successful based on the charge response information, thereby generating the payment result.

[0042] Finally, at step S106, the payment result can be transmitted to the vehicle medium via the roadside unit to realize the semi-offline payment of the ETC system. After the payment result is determined according to the above-mentioned deduction response information, the payment result can be sent to the roadside unit, and the roadside unit continues to send the payment result to the vehicle medium as a communication medium, thereby completing the transaction and realizing the semi-offline payment of the ETC system.

[0043] The vehicle-mounted medium supports the digital RMB hard wallet, which can communicate and interact quickly with the roadside unit, and upload payment information using the roadside unit as a communication medium. Then, the deduction application can be further determined in combination with the digital RMB hard wallet in the vehicle-mounted medium, and the deduction application, deduction response information and charging results of the digital RMB hard wallet can be transmitted through the roadside unit. It can be seen that the scheme of the present invention selectively interacts with the relevant information of the digital RMB hard wallet by taking advantage of the rapid response communication advantage between the roadside unit and the vehicle-mounted medium in the ETC system. This application that combines the communication advantages of the ETC system and the convenient payment advantages of the digital RMB breaks through the constraints of distance compared to the traditional digital RMB payment method. The rapid response communication advantage of ETC extends the digital RMB payment method from short-distance payment based on NFC to payment at a longer distance. As a result, the payment method in the scheme of the present invention also has the advantages of real-time arrival of digital RMB and saving clearing and settlement costs and time between banks. It can be seen that the solution of the present invention enables the effective application of the digital RMB payment method in car life scenarios, especially in non-stop charging scenarios (such as non-stop charging on highways, non-stop charging in parking lots, automatic charging at smart gas stations, etc.), which helps to improve traffic efficiency and reduce vehicle pollution to the environment.

[0044] Figure 2 1 is a block diagram showing the structure of the ETC system 200 according to an embodiment of the present invention. It should be noted that the ETC system 200 can be understood as a specific limitation and expansion of the ETC system mentioned in the method 100. Figure 1The relevant description also applies to the following.

[0045] like Figure 2 As shown, the ETC system 200 may include a roadside unit 201 ( Figure 2 RSU), vehicle-mounted media supporting digital RMB hard wallet 202 ( Figure 2 The roadside charging unit 203 interacts with the roadside unit 201, and interacts with the vehicle medium 202 through the roadside unit 201, and is configured to perform the above-mentioned Figure 1 The payment method described above supports semi-offline payment of the ETC system. In some embodiments, the ETC system 200 also includes a digital RMB settlement system (such as Figure 2 As shown, it includes a charging management background 204 and a bank digital RMB system 205), which interacts with the roadside charging unit 203 and is configured to selectively support semi-offline payment of the ETC system 200 based on the digital RMB hard wallet based on the interaction with the roadside charging unit 203. Further, the ETC system 200 also includes a barrier machine 206, and whether the ETC system 200 needs to be equipped with the barrier machine 206 can be set according to actual needs.

[0046] In some embodiments, Figure 5 and Figure 6 They are shown respectively Figure 2 A feasible specific structure of the road side charging unit 203 and the vehicle medium 202. Figure 5 As shown, the roadside charging unit 203 may include a processor and a memory. The memory stores computer instructions for payment of the ETC system. When the computer instructions are executed by the processor, the roadside charging unit 203 executes the above-mentioned Figure 1 Payment method described.

[0047] and Figure 6The vehicle-mounted medium specifically includes a DSRC communication module, a storage module, a processor, an encryption module, a digital RMB hard wallet, an NFC communication module, a power supply module and a prompt module. In specific applications, the vehicle-mounted medium 202 can use the DSRC communication module to communicate with the roadside unit 201, and at the same time, the digital RMB can be recharged to the hardware wallet of the vehicle-mounted medium 202 through NFC. The DSRC communication module realizes the transmission and reception of communication data with the roadside unit 201. The storage module is used to store vehicle information and historical transaction information, etc., and the processor is used to control the operation collaboration and data transmission and reception between modules. The encryption module is responsible for encrypting and decrypting the confidential data involved. The digital RMB hardware wallet can be used to store the digital RMB coin string information. In some embodiments, the vehicle-mounted medium 202 is also configured to respond to the interaction requirements of the external device for its digital RMB hardware wallet, and perform operations related to the interaction requirements on its digital RMB hardware wallet. For example, the NFC communication module can be used to interact with other recharge devices to recharge or withdraw the digital RMB hard wallet in the vehicle-mounted medium. The driver can also be notified of the transaction result through a prompt module, or a designated terminal can be bound to prompt the driver of the transaction result through the designated terminal, etc. It should be noted that the description of the structure of the vehicle medium here is only an exemplary description, and the modules in the vehicle medium can be adjusted, merged, and deleted according to application requirements.

[0048] return Figure 2 , the roadside unit 201 can be installed on the roadside or parking lot exit where tolls are required (the specific installation location is adjusted in combination with the application scenario). The roadside unit 201 can send a wake-up signal to wake up the vehicle-mounted medium in the signal coverage area and communicate with the vehicle-mounted medium. The roadside charging unit 203 is connected to the roadside unit 201, and controls the communication process between the roadside unit 201 and the vehicle-mounted medium 202 and calculates the fee, thereby obtaining the wallet information in the vehicle-mounted medium 202 through the roadside unit 201, and selecting the preferred payment method for payment according to the wallet information. Finally, the roadside unit 201 can upload the transaction flow to the charging management background 204. When the ETC system 200 has a barrier machine 206, the roadside charging unit 203 is connected to the barrier machine 206. After the transaction is successful, the barrier machine 206 is controlled to lift the bar, and the bar is lowered after the vehicle passes. In some embodiments, the roadside unit 201 exchanges information with the roadside charging unit 203 and the vehicle-mounted medium 202 in a transparent transmission manner. Therefore, by using the roadside unit as a data transmission medium, there is no need to upgrade the hardware of the existing roadside equipment, which effectively reduces the upgrade cost of the roadside unit. In addition, the roadside unit does not need to have encryption and decryption functions, which can reduce the requirements for the functions and computing power of the roadside unit. At the same time, there is no risk of the roadside unit and its data being lost and being exploited by criminals.

[0049] The charging management backend 204 connects to all roadside charging units 203 within the management area, monitors the operating status of the roadside charging units 203, receives the transaction flow and the corresponding digital RMB uploaded by the roadside charging units 203, verifies the validity of the digital RMB, and notifies the results to the roadside charging units 203. The bank digital RMB system 205 is connected to the charging management backend 204, receives and processes the digital RMB owner change request of the charging management backend 204, and completes the settlement of the digital RMB.

[0050] The following combination Figure 3 and Figure 4 The interaction process between the various modules in the ETC system 200 is described in detail.

[0051] like Figure 3 As shown, at step S301, the road side unit (hereinafter referred to as RSU) can continuously send a wake-up signal.

[0052] At step S302, the vehicle-mounted medium (e.g., on-board unit, hereinafter referred to as OBU) in the RSU signal coverage area is awakened, and a communication link is established with the RSU, and payment information such as vehicle information and hardware wallet information is uploaded to the RSU.

[0053] At step S303, the RSU can forward payment information such as vehicle information and wallet information to the roadside charging unit. The wallet information can include digital RMB hard wallet information and bank account information, that is, the vehicle-mounted medium can be compatible with multiple deduction methods such as digital RMB hard wallets and bank accounts.

[0054] In step S304, the roadside charging unit counts the consumption amount according to the vehicle information, etc., and determines the priority payment method according to the user's pre-settings.

[0055] At step S305, the roadside charging unit may determine whether to prioritize hardware wallet payment, and if so, execute step S306, otherwise execute step S311.

[0056] At step S306, the hardware wallet payment process is executed. In some embodiments, the specific hardware wallet payment process can be found below. Figure 4 Payment process described.

[0057] In step S307, it is determined whether the hardware wallet payment process is successful. If so, step S308 is executed, otherwise step S309 is executed.

[0058] At step S308, the roadside charging unit controls the barrier machine to be raised and ends the transaction. It should be noted that if there is no barrier machine, the transaction can be ended directly when it is determined that the payment has been successful.

[0059] At step S309, the bank account payment process may continue.

[0060] At step S310, it is continued to determine whether the bank account payment process is successful. If so, step 308 is executed, otherwise it is determined that the transaction has failed and manual intervention is performed.

[0061] At step S311, if bank account payment priority is selected, the bank account payment process is executed.

[0062] At step S312, it is determined whether the bank account payment process is successful. If so, step S313 is executed, otherwise step S314 is executed.

[0063] At step S313, the roadside charging unit controls the barrier machine to be raised and ends the transaction. It should be noted that if there is no barrier machine, the transaction can be ended directly when it is determined that the payment has been successful.

[0064] At step S314, the hardware wallet payment process may continue to be executed.

[0065] At step S315, it is continued to determine whether the hardware wallet payment process is successful. If so, step S313 is executed, otherwise it is determined that the transaction has failed and manual intervention is performed.

[0066] The hardware wallet payment process involved in steps S306 and S314 is specifically referred to in Figure 4 .like Figure 4 As shown, at step S401, the roadside charging unit can determine whether the balance of the hardware wallet is sufficient. Specifically, the roadside charging unit can determine whether the balance of the hardware wallet is sufficient from the payment information transmitted by the roadside unit. For example, the wallet balance can be obtained from the first billing information in the payment information, and the amount to be paid can be determined based on the second billing information (for details on how to obtain the first billing information and the second billing information from the payment information, please refer to the above combined with Figure 1 Therefore, by comparing the wallet balance with the amount to be paid, it can be determined whether the hardware wallet balance is sufficient.

[0067] When it is determined that the hardware wallet has sufficient balance, step S402 is continued, the roadside charging unit sends a deduction application including deduction information to the RSU, and the RSU sends the deduction information to the OBU via DSRC. When it is determined that the hardware wallet has insufficient balance, the transaction is determined to have failed.

[0068] In step S403, the OBU receives the deduction information, etc., obtains the digital RMB coin string information of the corresponding amount from the hardware wallet, and encrypts it through the encryption module before sending the RSU.

[0069] In step S404, the RSU transmits the received encrypted digital RMB currency string information to the roadside charging unit.

[0070] In step S405, the roadside toll collection unit sends the digital RMB coin string information to the toll management background.

[0071] In step S406, the fee management background decrypts the digital RMB coin string information and verifies its validity.

[0072] At step S407, it is determined whether the digital RMB currency string information is valid. If so, step S408 is executed, otherwise it is determined that the transaction has failed.

[0073] In step S408, the toll management background will feed back the verification results to the roadside toll collection unit, and at the same time send the coin string information and the new owner information of the coin string to the bank's digital RMB system.

[0074] At step 409, the roadside charging unit sends the transaction success information to the OBU through the RSU. The roadside charging unit sends the coin string information and the coin string new owner information to the bank's digital RMB system to determine that the transaction is successful, and can send the transaction success information to the OBU. In this way, the long-distance data interaction between the OBU and the roadside charging unit is realized, thereby realizing the long-distance payment of digital RMB, and making full use of the advantages of real-time arrival of digital RMB and saving clearing and settlement fees and time between banks.

[0075] In step S410, after receiving the transaction success information, the OBU can remind the driver through the prompt module and save the transaction flow through the storage module.

[0076] In step S411, after the bank's digital RMB system receives the coin string information and the new owner information of the coin string, it can subsequently perform the owner change operation and send the changed coin string information to the fee management background.

[0077] Specifically, the working process of the ETC system 200 is further explained by taking the application scenario of a highway toll station as an example. The RSU in the ETC system 200 is installed at the head of the lane toll road, the signal covers the lane, and sends a wake-up signal. After the vehicle preparing to enter the lane enters the wake-up area, the vehicle-mounted medium on it can be awakened by the RSU, and a communication link is established with the RSU, and the vehicle information and wallet information are sent to the RSU. The vehicle information includes license plate, vehicle model, license plate color, highway station number, entry time and other information; the wallet information includes whether the wallet is valid and the balance information.

[0078] Next, the RSU uploads the received vehicle information and wallet information to the roadside charging unit. The roadside charging unit can be installed in the toll booth in the middle of the toll island. The roadside charging unit calculates the consumption amount based on the vehicle information and its own rate table, compares the wallet information, selects the user's preset hardware wallet payment method, and sends a deduction application to the RSU when it determines that the hardware wallet is valid and has sufficient balance. After receiving the deduction application, the RSU sends the deduction application to the OBU via DSRC. After receiving the deduction application, the OBU obtains the digital RMB information of the corresponding amount from the hardware wallet, encrypts the digital RMB information through the encryption module of the OBU, and then sends it to the RSU via the DSRC signal. Next, the RSU receives the encrypted digital RMB information and forwards it to the roadside charging unit, which then forwards it to the charging management background. The charging management background can be installed in the computer room of the section management center. The charging management background decrypts the encrypted digital RMB, and when it determines that the digital RMB is valid and the amount is correct, it sends the result of the successful transaction to the roadside charging unit.

[0079] When the roadside toll collection unit receives the result of a successful transaction from the toll management background, it sends the result to the RSU, which sends the transaction result to the OBU and sends a command to the barrier machine to lift the barrier. The barrier machine can be installed at the end of the toll island, and the default is the lowered state. After receiving the command to lift the barrier, the barrier machine performs the lifting operation, and the barrier automatically drops after the vehicle passes. When the OBU receives the result of a successful transaction, it prompts through the prompt module in the OBU.

[0080] In some embodiments, when the fee management background determines that the digital RMB is valid and the amount is correct, it can also send the coin string information and the new owner information to the bank digital RMB system at the same time to request the owner change. Among them, the bank digital RMB system can be a central bank system with digital RMB management authority or a commercial bank system authorized by the central bank. When the bank digital RMB system receives the owner change request, it changes the owner and sends the changed digital RMB new coin string information to the fee management background, and the transaction ends.

[0081] It should be noted that the above description is only based on the example of a highway toll station, and the solution of the present invention is not limited to this. The solution of the present invention can be applied to a variety of application scenarios of non-stop charging. For example, in the application scenario of a smart parking lot, RSU is installed at the entrance and exit of the parking lot, the roadside charging unit is installed on the roadside, and the charging management background is in the parking lot management center. Among them, the vehicle information and wallet information can be read at the entrance, and the vehicle information and wallet information can be read at the exit, and the parking fee can be calculated in combination with the entrance information and rate table recorded in the background. The specific process can refer to the interaction process of each module in the highway toll station scenario.

[0082] It can be seen that this solution combines the communication advantages of ETC to realize the long-distance payment of digital RMB, effectively improving the payment efficiency of digital RMB to meet the non-stop charging of digital RMB on highways or smart parking lots. At the same time, it also makes full use of the anonymous payment and inter-bank transfer of digital RMB without handling fees, effectively protecting user privacy and saving the clearing and settlement costs and time between banks. As a result, it brings convenience to both drivers and toll management departments, and improves the user experience.

[0083] From the above description of the modular design of the present invention, it can be seen that the system of the present invention can be flexibly arranged according to the application scenario or demand without being limited to the architecture shown in the accompanying drawings. Further, it should also be understood that any module, unit, component, server, computer or device that performs the operation of the example of the present invention may include or otherwise access a computer-readable medium, such as a storage medium, a computer storage medium or a data storage device (removable) and / or non-removable) such as a disk, an optical disk or a tape. Computer storage media may include volatile and non-volatile, removable and non-removable media implemented in any method or technology for storing information, such as computer-readable instructions, data structures, program modules or other data. Based on this, the present invention also discloses a computer-readable storage medium on which computer-readable instructions for payment of the ETC system are stored, and when the computer-readable instructions are executed by one or more processors, the methods and operations described in conjunction with the accompanying drawings are implemented.

[0084] Although this specification has shown and described a plurality of embodiments of the present invention, it is obvious to those skilled in the art that such embodiments are provided by way of example only. Those skilled in the art will appreciate many changes, modifications and alternatives without departing from the thought and spirit of the present invention. It should be understood that in the process of practicing the present invention, various alternatives to the embodiments of the present invention described herein may be adopted. The attached claims are intended to define the scope of protection of the present invention, and therefore cover the modular compositions, equivalents or alternatives within the scope of these claims.

Claims

1. A payment method for an ETC system, characterized in that: Applied to a roadside toll collection unit, the ETC system includes a roadside unit, a vehicle-mounted medium supporting a digital RMB hard wallet, and the roadside toll collection unit, and the payment method includes: Acquire payment information from the vehicle-mounted medium via the roadside unit; selectively determine a deduction application related to the digital RMB hard wallet in the vehicle-mounted medium based on the payment information; Sending the fee deduction application to the vehicle-mounted medium via the roadside unit; Acquire deduction response information from the vehicle-mounted medium via the roadside unit, wherein the deduction response information is generated based on the deduction application and its digital RMB hard wallet; Determining a payment result based on the charge response information; and Transmitting the payment result to the vehicle-mounted medium via the roadside unit to realize semi-offline payment of the ETC system; The roadside unit acts as a data transparent transmission medium to achieve information transmission in a transparent transmission manner; The payment information includes the deduction method supported by the vehicle-mounted medium, the deduction information related to the deduction method and the priority corresponding to the deduction method; the deduction information related to the digital RMB hard wallet method includes the first billing information related to the digital RMB hard wallet in the vehicle-mounted medium and the second billing information related to the vehicle bound to the vehicle-mounted medium; the first billing information includes the carrier information, wallet total amount and balance of the digital RMB hard wallet, and the second billing information includes the basic information, entry information and trip information of the vehicle; The roadside charging unit obtains the balance of the digital RMB hard wallet from the first billing information in the payment information, determines the amount to be paid according to the second billing information, and determines whether the balance is sufficient by comparing the balance and the amount to be paid; when it is determined that the balance is sufficient, the roadside charging unit sends the deduction application to the roadside unit.

2. The payment method according to claim 1, characterized in that: Selectively determining a deduction application related to the digital RMB hard wallet in the vehicle-mounted medium based on the payment information includes: In response to the deduction method being a digital RMB hard wallet method, determining the deduction application based on deduction information related to the digital RMB hard wallet method; In response to the deduction method being a plurality of deduction methods including a digital RMB hard wallet method, the deduction application is selectively determined based on the deduction information related to the digital RMB hard wallet method according to the priorities of the plurality of deduction methods.

3. The payment method according to claim 2, characterized in that: The multiple deduction methods include a digital RMB hard wallet method and a bank account method. According to the priorities of the multiple deduction methods, the deduction application is selectively determined based on the deduction information related to the digital RMB hard wallet method, including: In response to determining that the digital RMB hard wallet method has a higher priority than the bank account method, determining the deduction application based on the deduction information related to the digital RMB hard wallet method; In response to determining that the bank account method has a higher priority than the digital RMB hard wallet method and payment using the bank account method fails, the deduction application is determined based on the deduction information related to the digital RMB hard wallet method.

4. The payment method according to claim 3, characterized in that: Also includes: In response to determining that the digital RMB hard wallet method has a higher priority than the bank account method and payment using the digital RMB hard wallet method fails, the bank account method is used to complete payment of the ETC system.

5. The payment method according to claim 2, characterized in that: Determining the deduction application based on the deduction information related to the digital RMB hard wallet method includes: Determining the charge information based on the first charge information and the second charge information; and The deduction information is encrypted to obtain the deduction application.

6. The payment method according to any one of claims 1 to 5, characterized in that: The deduction response information includes the encrypted digital RMB transferred by the vehicle-mounted medium, and determining the payment result based on the deduction response information includes: Decrypting the deduction response information; Send the decrypted digital RMB to the fee management backend for validity verification; and In response to receiving the verification passed feedback from the charging management background, the payment result is generated.

7. A roadside toll collection unit, characterized in that: include: processor; as well as A memory storing computer instructions for payment of the ETC system, wherein when the computer instructions are executed by the processor, the roadside charging unit executes the payment method according to any one of claims 1-6.

8. A computer-readable storage medium, characterized in that: Contains program instructions for payment of the ETC system, and when the program instructions are executed by a processor, the payment method according to any one of claims 1 to 6 is implemented.

9. An ETC system, characterized in that: It includes a roadside unit and an on-board medium that supports a digital RMB hard wallet, and also includes: A roadside charging unit, which interacts with the roadside unit and interacts with the vehicle-mounted medium via the roadside unit, and is configured to execute the payment method as described in any one of claims 1 to 6 to support semi-offline payment of the ETC system.

10. The ETC system according to claim 9, characterized in that: Also includes: A digital RMB settlement system that interacts with the roadside toll collection unit and is configured to selectively support semi-offline payment of the ETC system based on a digital RMB hard wallet based on the interaction with the roadside toll collection unit.

11. The ETC system according to claim 9, characterized in that: in The vehicle-mounted medium is also configured to respond to the interaction requirements of an external device to its digital RMB hardware wallet and perform operations related to the interaction requirements on its digital RMB hardware wallet.

12. The ETC system according to any one of claims 9 to 11, characterized in that: in, The roadside unit exchanges information with the roadside charging unit and the vehicle-mounted medium respectively in a transparent transmission manner.

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