Transaction processing method and apparatus for use in a vehicle

Abstract

Embodiments of the present specification provide a transaction processing method and device applied to a vehicle, wherein a transaction processing method applied to a vehicle comprises: acquiring transaction information collected through a vehicle terminal, the transaction information comprising a target vehicle identifier and a transaction amount; detecting an ETC key of at least one candidate vehicle through an ETC receiving component; selecting a candidate vehicle with a vehicle identifier identical to the target vehicle identifier as a target vehicle from vehicle identifiers of at least one candidate vehicle obtained after key decryption of the ETC key; and initiating transaction processing with the target vehicle through a server based on the transaction information.

Description

[0001] This application is a divisional application of the Chinese patent application No. CN202110750742.6, with the application date of July 1, 2021, and the title of "Transaction processing method and device applied to vehicle". TECHNICAL FIELD

[0002] The present document relates to the technical field of data processing, in particular to a transaction processing method and device applied to vehicle. BACKGROUND

[0003] Driving a vehicle has become an important way of travel for users in their daily life. The needs of users during driving are also increasingly diversified. Convenient vehicle payment methods provide convenience for users driving a vehicle. For example, ETC-equipped toll stations, parking lot enforcement facilities and payment operations with vehicles complete automatic deductions and provide convenience for users. However, such payment functions are limited to scenarios and have certain limitations in application. SUMMARY

[0004] One or more embodiments of the present specification provide a transaction processing method applied to vehicle, comprising: acquiring transaction information collected through a vehicle terminal. The transaction information includes a target vehicle identifier and a transaction amount. An ETC secret key of at least one candidate vehicle is detected by an ETC recognition component. Among the vehicle identifiers of the at least one candidate vehicle obtained after decryption of the ETC secret key, a candidate vehicle with the same vehicle identifier as the target vehicle identifier is selected as the target vehicle. Based on the transaction information, a transaction processing with the target vehicle is initiated by a server.

[0005] One or more embodiments of the present specification provide another transaction processing method applied to vehicle, comprising: receiving and displaying a transaction prompt sent by a server. The transaction prompt contains a vehicle identifier of a transaction initiating vehicle and a transaction amount. An ETC secret key of at least one vehicle to be detected is detected by an ETC receiving component and a secret key decryption process is performed. It is judged whether the vehicle identifier is contained in the vehicle identifier of the at least one vehicle to be detected obtained after secret key decryption. If yes, a transaction confirmation instruction is submitted to the server to perform transaction processing through the server.

[0006] One or more embodiments of the present specification provide a transaction processing device applied to a vehicle, comprising: a transaction information acquisition module configured to acquire transaction information collected by a vehicle terminal, the transaction information comprising a target vehicle identifier and a transaction amount. A detection module is configured to detect an ETC key of at least one candidate vehicle through an ETC receiving component. A decryption module is configured to select a candidate vehicle with the same vehicle identifier as the target vehicle identifier from vehicle identifiers of at least one candidate vehicle obtained after key decryption of the ETC key as a target vehicle. A transaction module is configured to initiate transaction processing with the target vehicle through a server based on the transaction information.

[0007] One or more embodiments of the present specification provide another transaction processing device applied to a vehicle, comprising: a transaction reminder receiving module configured to receive and display a transaction reminder sent by a server, the transaction reminder containing a vehicle identifier of a transaction initiating vehicle and a transaction amount. A detection and decryption module is configured to detect an ETC key of at least one vehicle to be detected through an ETC receiving component and perform key decryption. A judgment module is configured to judge whether the vehicle identifier is contained in vehicle identifiers of at least one vehicle to be detected obtained after key decryption. If the running result of the judgment module is yes, a transaction module is run, the transaction module is configured to submit a transaction confirmation instruction to the server to perform transaction processing through the server.

[0008] One or more embodiments of the present specification provide a transaction processing device applied to a vehicle, comprising: a processor; and a memory configured to store computer executable instructions that, when executed, cause the processor to: acquire transaction information collected by a vehicle terminal. The transaction information comprises a target vehicle identifier and a transaction amount. Detect an ETC key of at least one candidate vehicle through an ETC identification component. Select a candidate vehicle with the same vehicle identifier as the target vehicle identifier from vehicle identifiers of at least one candidate vehicle obtained after decryption of the ETC key as a target vehicle. Initiate transaction processing with the target vehicle through a server based on the transaction information.

[0009] One or more embodiments of the present specification provide another transaction processing device applied to a vehicle, comprising: receiving and displaying a transaction reminder sent by a server. The transaction reminder contains a vehicle identifier of a transaction initiating vehicle and a transaction amount. At least one vehicle to be detected is detected through an ETC receiving component and key decryption processing is performed. It is judged whether the vehicle identifier is contained in vehicle identifiers of at least one vehicle to be detected obtained after key decryption. If yes, a transaction confirmation instruction is submitted to the server to perform transaction processing through the server.

[0010] The one or more embodiments of the specification provide a storage medium for storing computer executable instructions, which, when executed, implement the following processes: obtaining transaction information collected by a vehicle terminal. The transaction information includes a target vehicle identifier and a transaction amount. An ETC key of at least one candidate vehicle is detected by an ETC identification component. Among the vehicle identifiers of the at least one candidate vehicle obtained after decryption of the ETC key, a candidate vehicle with the same vehicle identifier as the target vehicle identifier is selected as the target vehicle. Based on the transaction information, a transaction process with the target vehicle is initiated by a server.

[0011] The one or more embodiments of the specification provide another storage medium for storing computer executable instructions, which, when executed, implement the following processes: receiving a transaction reminder sent by a server and displaying. The transaction reminder contains a vehicle identifier of a transaction initiating vehicle and a transaction amount. An ETC key of at least one vehicle to be detected is detected by an ETC receiving component and a key decryption process is performed. It is judged whether the vehicle identifier is contained in the vehicle identifier of the at least one vehicle to be detected obtained after decryption of the key. If yes, a transaction confirmation instruction is submitted to the server to perform a transaction process by the server. BRIEF DESCRIPTION OF DRAWINGS

[0012] In order to more clearly illustrate the technical solutions in the one or more embodiments of the specification or the prior art, the drawings needed in the embodiment or prior art description will be briefly introduced. Obviously, the drawings in the following description are only some embodiments described in the specification, and those skilled in the art can also obtain other drawings according to these drawings without creative labor;

[0013] Figure 1 A transaction processing method for vehicles provided by the one or more embodiments of the specification is provided in the flowchart;

[0014] Figure 2 A transaction processing method for vehicles provided by the one or more embodiments of the specification is provided in the flowchart of the collection scene;

[0015] Figure 3 A transaction processing method for vehicles provided by the one or more embodiments of the specification is provided in the flowchart of the autonomous driving scene;

[0016] Figure 4 Another transaction processing method for vehicles provided by the one or more embodiments of the specification is provided in the flowchart;

[0017] Figure 5Another application of the transaction processing method in the payment scenario provided by one or more embodiments of the present specification for the vehicle processing flow chart;

[0018] Figure 6 The schematic diagram of the transaction processing device applied to the vehicle provided by one or more embodiments of the present specification;

[0019] Figure 7 Another schematic diagram of the transaction processing device applied to the vehicle provided by one or more embodiments of the present specification;

[0020] Figure 8 The structural schematic diagram of the transaction processing device applied to the vehicle provided by one or more embodiments of the present specification;

[0021] Figure 9 Another structural schematic diagram of the transaction processing device applied to the vehicle provided by one or more embodiments of the present specification. DETAILED DESCRIPTION

[0022] In order to make the person skilled in the art better understand the technical scheme in one or more embodiments of the present specification, the technical scheme in one or more embodiments of the present specification will be described clearly and completely in conjunction with the drawings in one or more embodiments of the present specification. Obviously, the described embodiments are only part of the embodiments of the present specification, not all embodiments. Based on one or more embodiments of the present specification, all other embodiments obtained by those skilled in the art without creative labor should belong to the protection scope of the present document.

[0023] An embodiment of the transaction processing method applied to the vehicle provided by the present specification:

[0024] Reference Figure 1 , which shows a transaction processing method processing flow chart applied to the vehicle provided by the present embodiment, reference Figure 2 , which shows a transaction processing method processing flow chart applied to the vehicle in the payment scenario provided by the present embodiment, reference Figure 3 , which shows a transaction processing method processing flow chart applied to the vehicle in the unmanned scenario provided by the present embodiment.

[0025] Reference Figure 1 The transaction processing method applied to the vehicle provided by the present embodiment specifically includes steps S102 to S108.

[0026] Step S102, acquiring transaction information collected through the vehicle terminal.

[0027] The transaction processing method applied to a vehicle provided in the embodiment comprises the following steps: a transaction initiating vehicle provided with an ETC receiving component collects a target vehicle identifier and a transaction amount through a vehicle terminal, and then detects an ETC key of a vehicle in an ETC radio communication range; identity verification is performed on the target vehicle according to a vehicle identifier of the vehicle in the ETC radio communication range returned by a server and the target vehicle identifier collected through the vehicle terminal; and after the transaction initiating vehicle provided with the ETC receiving component confirms the identity of the target vehicle, transaction processing is performed through the server. The transaction processing method realized on the basis makes the vehicle transaction applicable to more application scenarios, provides a convenient vehicle payment method, and improves the payment experience.

[0028] In the embodiment, the vehicle terminal is arranged on the transaction initiating vehicle; the transaction information comprises the target vehicle identifier and the transaction amount, and the target vehicle identifier comprises at least one of the following: a license plate number, a vehicle engine number, a vehicle model and owner information; the ETC receiving component refers to an ETC component arranged on the vehicle and used for detecting an ETC key carried in a signal sent by another vehicle; and the ETC sending component refers to an ETC component arranged on the vehicle and used for sending an ETC key carried in a signal.

[0029] The transaction initiating vehicle is provided with the ETC receiving component, and when the transaction initiating vehicle performs identity verification on the target vehicle, the ETC receiving component is used to detect an ETC key carried in a signal sent by an ETC sending component arranged on the target vehicle. In addition, the transaction initiating vehicle can also be provided with the ETC sending component, and when the target vehicle performs identity verification on the transaction initiating vehicle, the ETC sending component arranged on the transaction initiating vehicle is used to send a signal carrying an ETC key.

[0030] In the process of acquiring the transaction information collected through the vehicle terminal, the transaction information is collected through a touch screen of the vehicle terminal or voice input, such as in a vehicle fleet payment scenario, after a leading vehicle in the vehicle fleet pays for certain service or commodity fees for the entire vehicle fleet, the leading vehicle initiates a collection from other vehicles in the vehicle fleet, and the leading vehicle collects the vehicle identifiers of the other vehicles in the vehicle fleet and the corresponding collection amounts through the touch screen or voice input of the vehicle terminal.

[0031] In addition, the transaction information can also be automatically generated by the vehicle terminal or a processing system connected to the vehicle terminal, such as in the scenario of unmanned vehicle driving, after vehicle A provides goods or services for vehicle B, vehicle A initiates a collection from vehicle B, and the vehicle terminal of vehicle A or the processing system connected to the vehicle terminal automatically generates transaction information for a transaction with vehicle B.

[0032] In step S104, the ETC key of at least one candidate vehicle is detected through the ETC receiving component.

[0033] In this embodiment, the candidate vehicle includes a vehicle within the radio communication range of the ETC receiving component of the transaction initiating vehicle, and in an actual application scenario, the candidate vehicle can be one or more vehicles; the ETC key is encrypted information containing the vehicle identification.

[0034] In a specific implementation, in the process of detecting the ETC key of the at least one candidate vehicle by the ETC receiving component, optionally, the at least one candidate vehicle sends a signal through the ETC sending component configured by the candidate vehicle, and the ETC key of the at least one candidate vehicle is carried in the signal; correspondingly, the transaction initiating vehicle configured with the ETC receiving component detects the ETC key carried in the signal sent by the ETC sending component of the at least one candidate vehicle through the ETC receiving component.

[0035] The way of detecting the ETC key of the at least one candidate vehicle by the ETC receiving component configured by the transaction initiating vehicle verifies the identity of the target vehicle, improves the accuracy and efficiency of identity verification, and expands the application range of the transaction processing scenario realized on this basis.

[0036] After the ETC key of the at least one candidate vehicle is detected, the key decryption needs to be performed to obtain the vehicle identification of the candidate vehicle through the key decryption. In an optional implementation provided in this embodiment, the key decryption is performed in the following way: the ETC receiving component performs the key decryption on the detected ETC key of the at least one candidate vehicle to obtain the vehicle identification of the at least one candidate vehicle.

[0037] In an actual application, for security considerations, the key decryption of the ETC key is performed on the server side. In an optional implementation provided in this embodiment, the key decryption is performed in the following way:

[0038] The ETC key of the at least one candidate vehicle is sent to the server, and the server performs the key decryption on the ETC key to obtain the vehicle identification of the at least one candidate vehicle.

[0039] The vehicle identification of the at least one candidate vehicle issued by the server is received.

[0040] For example, A vehicle uploads the ETC key of the vehicle within the radio communication range detected by the ETC receiving component configured by A vehicle to the server, the server performs the key decryption on the key and returns the license plate number of the vehicle within the radio communication range detected by A vehicle after the key decryption, and A vehicle performs the identity verification on B vehicle according to the detected license plate number and the license plate number of B vehicle collected through the vehicle terminal.

[0041] Step S106, among the vehicle identifications of the at least one candidate vehicle obtained after the key decryption of the ETC key, a candidate vehicle with the same vehicle identification as the target vehicle identification is selected as the target vehicle.

[0042] In this embodiment, after the transaction initiating vehicle uploads the ETC key of the vehicle in the detected radio frequency communication range to the server, the ETC key of the vehicle in the detected radio frequency communication range is subjected to key decryption by the server to obtain the vehicle identification of at least one candidate vehicle. The target vehicle identification collected by the transaction initiating vehicle terminal is compared with the vehicle identification of the at least one candidate vehicle obtained, and a vehicle in the radio frequency communication range with the same vehicle identification as the target vehicle identification is selected as the target vehicle. By selecting a candidate vehicle with the same vehicle identification as the target vehicle identification from the vehicle identification of the at least one candidate vehicle obtained after the key decryption of the ETC key, the target vehicle specified by the transaction initiating vehicle is subjected to identity verification, the accuracy of vehicle identity verification is improved, and the transaction security is ensured.

[0043] Step S108, based on the transaction information, the server initiates a transaction process with the target vehicle.

[0044] After the above determination of the target vehicle, a transaction request for the target vehicle is initiated to the server. The transaction request specifically includes a collection request and / or a payment request. Correspondingly, the transaction process performed for the collection request and / or the payment request includes a collection process and a payment process, which are described in detail below.

[0045] (1) Collection process

[0046] Specifically, in the collection process, the transaction initiating vehicle first submits a collection request for the target vehicle to the server;

[0047] After receiving the collection request of the transaction initiating vehicle, the server generates a transaction order according to the collection request and sends a transaction reminder to the target vehicle;

[0048] After receiving the transaction reminder sent by the server, the target vehicle displays the transaction reminder sent by the server, detects the ETC key of at least one to-be-detected vehicle through the ETC receiving component configured by the target vehicle and performs key decryption. It is judged whether the identification information of the at least one to-be-detected vehicle obtained after the key decryption contains the vehicle identification. If yes, a transaction confirmation instruction is submitted to the server.

[0049] The server performs fund transfer out from a fund account bound to the ETC receiving component of the target vehicle according to the transaction amount after receiving the transaction confirmation instruction submitted by the on-board terminal of the target vehicle, and transfers the transferred fund to a fund account bound to the ETC receiving component of the transaction initiating vehicle; and sends a transaction result reminder to the target vehicle;

[0050] In the embodiment, the payment request contains the target vehicle identifier and the transaction amount; the transaction order records the vehicle identifier of the transaction initiating vehicle and the transaction amount; and the transaction reminder contains the vehicle identifier of the transaction initiating vehicle and the transaction amount.

[0051] Specifically, the transaction initiating vehicle adopts the following optional implementation manner to process the transaction in the process of initiating payment for the target vehicle:

[0052] submitting a payment request for the target vehicle to the server, the payment request containing the target vehicle identifier and the transaction amount;

[0053] receiving the transaction result reminder sent by the server.

[0054] On this basis, the server adopts the following optional implementation manner to process the transaction after receiving the payment request of the transaction initiating vehicle:

[0055] generating a transaction order according to the payment request and sending a transaction reminder to the target vehicle, the transaction order recording the vehicle identifier of the transaction initiating vehicle and the transaction amount;

[0056] performing fund transfer out from a fund account bound to the ETC receiving component of the target vehicle according to the transaction amount after receiving the transaction confirmation instruction submitted by the on-board terminal of the target vehicle, and transferring the transferred fund to a fund account bound to the ETC receiving component of the transaction initiating vehicle;

[0057] sending a transaction result reminder to the target vehicle.

[0058] Further, the server adopts the following optional implementation manner to process the transaction after sending the transaction reminder to the target vehicle:

[0059] displaying the transaction reminder sent by the server, the transaction reminder containing the vehicle identifier of the transaction initiating vehicle and the transaction amount;

[0060] detecting the ETC secret key of at least one to-be-detected vehicle through the ETC receiving component configured by the target vehicle and performing secret key decryption;

[0061] determining whether the identification information of the at least one vehicle to be detected contains the vehicle identification after the secret key decryption;

[0062] If yes, a transaction confirmation instruction is submitted to the server to process the transaction through the server.

[0063] For example, after the identity verification of the B vehicle, the A vehicle initiates a collection request of 100 yuan to the B vehicle and sends the collection request to the server;

[0064] The server generates a transaction order after receiving the collection request and sends a transaction reminder of 100 yuan payment from the B vehicle to the A vehicle according to the transaction order;

[0065] The B vehicle receives the transaction reminder and displays it, and after the identity verification of the A vehicle, sends a transaction confirmation instruction to the server to confirm the payment of 100 yuan to the A vehicle;

[0066] The server receives the transaction confirmation instruction sent by the B vehicle, transfers 100 yuan from the Alipay account bound to the ETC receiving component of the B vehicle to the Alipay account bound to the ETC receiving component of the A vehicle, and sends a transaction result reminder to the A and B vehicles.

[0067] (2) Payment processing

[0068] Specifically, in the payment process, the server first receives a payment request for the target vehicle from the transaction initiating vehicle;

[0069] According to the transaction amount contained in the payment request, it is determined whether the transaction amount is greater than the password-free threshold of the ETC receiving component of the transaction initiating vehicle. If it is greater, the vehicle terminal obtains the payment password submitted by the user and submits the payment password and transaction confirmation instruction to the server. If it is less, the password-free payment instruction is submitted to the server;

[0070] After the server receives the payment password and transaction confirmation instruction or the password-free payment instruction submitted by the transaction initiating vehicle, it performs fund transfer from the ETC receiving component of the transaction initiating vehicle according to the transaction amount, and transfers the transferred funds to the ETC receiving component of the target vehicle.

[0071] In this embodiment, the payment request includes the target vehicle identification and the transaction amount;

[0072] In actual transaction process, the transaction amount is small and the multiple input of payment password is cumbersome, the embodiment is suitable for the password-free payment scene, for example, A car can set the password-free payment limit, on the basis of ensuring transaction security, reduce the repeated operation of inputting payment password due to small transaction amount, when the transaction amount is less than the password-free payment limit, A car submits the password-free payment instruction to the server; when the transaction amount is greater than the password-free payment limit, A car submits the payment password and transaction confirmation instruction to the server. Specifically, the transaction initiating vehicle adopts the following optional implementation manner in the process of initiating payment to the target vehicle:

[0073] submitting a payment request for the target vehicle to the server, the payment request including the target vehicle identifier and the transaction amount;

[0074] judging whether the transaction amount is greater than the password-free limit threshold of the fund account bound to the ETC receiving component of the transaction initiating vehicle;

[0075] if greater, the car machine terminal acquires the payment password submitted by the user and submits the payment password and transaction confirmation instruction to the server;

[0076] if less, submitting a password-free payment instruction to the server for transaction processing through the server;

[0077] receiving the transaction result reminder sent by the server.

[0078] On this basis, the server submits the payment password and the transaction confirmation instruction or the password-free payment instruction submitted by the transaction initiating vehicle, and the server adopts the following optional implementation manner for transaction processing:

[0079] performing fund transfer from the fund account bound to the ETC receiving component of the transaction initiating vehicle according to the transaction amount, and transferring the transferred fund to the fund account bound to the ETC receiving component of the target vehicle;

[0080] sending a transaction result reminder to the transaction initiating vehicle and the target vehicle.

[0081] For example, after A car verifies the identity of B car, A car initiates a payment request of 100 yuan to B car and sends the payment request to the server; the password-free limit of A car is 200 yuan, and A car submits a password-free payment instruction to the server;

[0082] After the server receives the password-free payment instruction, the server transfers 100 yuan from the Alipay account bound to the ETC receiving component of A car to the Alipay account bound to the ETC receiving component of B car, and sends a transaction result reminder to A and B vehicles.

[0083] The application of the transaction processing method for vehicles provided in the embodiment in the collection scenario is taken as an example to further illustrate the transaction processing method for vehicles provided in the embodiment, refer to Figure 2 The application of the transaction processing method for vehicles in the collection scenario includes steps S202 to S212.

[0084] Step S202, obtaining the collection information submitted by the user through the vehicle terminal.

[0085] Specifically, the first vehicle is configured with a vehicle terminal for collecting the collection information submitted by the user for the second vehicle, and the collection information includes the target vehicle identifier and the transaction amount.

[0086] Step S204, detecting the ETC secret key of at least one candidate vehicle through the ETC receiving component.

[0087] The ETC receiving component is configured on the first vehicle and is used to receive the signal sent by the ETC sending component configured on the other vehicle within the radio frequency communication range of the first vehicle, and the signal carries the ETC secret key.

[0088] The candidate vehicle includes the vehicle within the radio frequency communication range of the ETC receiving component of the transaction initiating vehicle, and the secret key refers to the encrypted information containing the vehicle identifier.

[0089] Step S206, performing secret key decryption on the detected ETC secret key of at least one candidate vehicle through the ETC receiving component to obtain the vehicle identifier of at least one candidate vehicle.

[0090] Step S208, selecting the candidate vehicle with the same vehicle identifier as the target vehicle identifier as the target vehicle from the vehicle identifiers of at least one candidate vehicle obtained after the secret key decryption of the ETC secret key.

[0091] Step S210, submitting the collection request for the second vehicle to the server.

[0092] The collection request contains the target vehicle identifier and the transaction amount.

[0093] Specifically, the server generates a transaction order according to the collection request and sends a transaction reminder to the target vehicle, the transaction order records the vehicle identifier of the transaction initiating vehicle and the transaction amount; the target vehicle displays the transaction reminder sent by the server, the transaction reminder contains the vehicle identifier of the transaction initiating vehicle and the transaction amount; the target vehicle detects the ETC secret key of at least one to-be-detected vehicle through the configured ETC receiving component and performs secret key decryption, judges whether the identifier information of at least one to-be-detected vehicle obtained after secret key decryption contains the vehicle identifier, if yes, submits a transaction confirmation instruction to the server to process the transaction through the server; after receiving the transaction confirmation instruction submitted by the vehicle terminal of the target vehicle, the funds are transferred out from the fund account bound to the ETC receiving component of the target vehicle according to the transaction amount, and the transferred funds are transferred to the fund account bound to the ETC receiving component of the transaction initiating vehicle.

[0094] Step S212, receiving the transaction result reminder sent by the server.

[0095] Specifically, the server transfers the corresponding transaction amount from the fund account bound to the ETC of the second vehicle to the fund account bound to the ETC of the first vehicle, and sends a result reminder of transaction success to the first vehicle and the second vehicle.

[0096] The application of the transaction processing method for vehicles provided in the embodiment in the payment scene is taken as an example to further illustrate the transaction processing method for vehicles provided in the embodiment, which is described with reference to Figure 3 , the transaction processing method for vehicles in the automatic driving scene, specifically including steps S302 to S314.

[0097] Step S302, obtaining payment information automatically generated by a processing system connected with a vehicle terminal.

[0098] In this automatic driving scene, the first vehicle initiating the transaction and the second vehicle being transacted are both automatic driving vehicles.

[0099] The first vehicle is configured with a vehicle terminal for submitting payment information for the second vehicle automatically generated by a system connected with the vehicle terminal; the payment information includes a target vehicle identifier and a transaction amount.

[0100] Step S304, detecting the ETC secret key of at least one candidate vehicle through an ETC receiving component.

[0101] Step S306, sending the ETC secret key of at least one candidate vehicle to the server, and performing secret key decryption on the ETC secret key by the server to obtain the vehicle identifier of at least one candidate vehicle.

[0102] Step S308, among the vehicle identifications of the at least one candidate vehicle obtained after the key decryption of the ETC key, a candidate vehicle with the same vehicle identification as the second vehicle identification is selected as the second vehicle.

[0103] Step S310, a payment request for the second vehicle is submitted to the server.

[0104] The payment request contains the target vehicle identification and the transaction amount.

[0105] Step S310, it is judged whether the transaction amount is greater than the password-free quota threshold of the fund account bound to the ETC receiving component of the first vehicle;

[0106] If yes, step S312 is executed;

[0107] If no, a password-free payment instruction is submitted to the server to process the transaction through the server.

[0108] Step S312, the car terminal obtains the submitted payment password and submits the payment password and the transaction confirmation instruction to the server.

[0109] Step S314, a transaction result reminder sent by the server is received.

[0110] Specifically, the server transfers the corresponding transaction amount from the fund account bound to the ETC of the second vehicle to the fund account bound to the ETC of the first vehicle, and sends a result reminder of successful transaction to the first vehicle and the second vehicle.

[0111] Another embodiment of the transaction processing method applied to the vehicle provided by the present specification is provided.

[0112] Referring to Figure 4 , a flowchart of another transaction processing method applied to the vehicle provided by the present embodiment is shown, referring to Figure 5 , a flowchart of another transaction processing method applied to the vehicle in the payee scenario provided by the present embodiment is shown.

[0113] Referring to Figure 4 , the transaction processing method applied to the vehicle provided by the present embodiment specifically includes steps S402 to S408.

[0114] Step S402, a transaction reminder sent by the server is received and displayed.

[0115] In a specific implementation, the transaction initiating vehicle configured with the ETC receiving component sends transaction information collected by the vehicle terminal or automatically generated by a system connected to the vehicle terminal to the target vehicle configured with the ETC sending component, where the transaction information includes the target vehicle identifier and the transaction amount, and then detects the ETC secret key of the vehicle within the ETC radio communication range through the configured ETC receiving component, and verifies the identity of the target vehicle according to the vehicle identifier of the vehicle within the ETC radio communication range returned by the server and the target vehicle identifier collected by the vehicle terminal. After the transaction initiating vehicle configured with the ETC receiving component confirms the target vehicle, the server initiates a collection request to the target vehicle, creates a transaction order according to the collection request, and generates a transaction reminder and sends it to the target vehicle.

[0116] Here, based on the transaction reminder sent by the server, the target vehicle receives the transaction reminder and displays it on the vehicle terminal. According to the vehicle identifier of the transaction initiating vehicle contained in the transaction reminder, the target vehicle can verify the identity of the transaction initiating vehicle through the configured ETC receiving component. The target vehicle is another vehicle participating in the transaction relative to the transaction initiating vehicle, such as A car initiating a collection to B car, where A car is the transaction initiating vehicle and B car is the target vehicle. The transaction reminder contains the vehicle identifier of the transaction initiating vehicle and the transaction amount.

[0117] In step S404, the ETC secret key of at least one vehicle to be detected is detected by the ETC receiving component and key decryption is performed.

[0118] The transaction processing method for vehicles provided in this embodiment includes the steps of: a target vehicle detecting, through an ETC receiving component configured by the target vehicle, an ETC secret key carried in a signal sent by at least one vehicle to be detected within a radio communication range of the ETC receiving component of the target vehicle, and performing key decryption on the ETC secret key through the ETC receiving component or a server, so as to obtain a vehicle identifier of the at least one vehicle to be detected.

[0119] In this embodiment, the vehicle to be detected includes a vehicle within the radio communication range of the ETC receiving component of the target vehicle, and in an actual application scenario, the vehicle to be detected can be one or more vehicles.

[0120] In a specific implementation, in the process of detecting the ETC secret key of at least one vehicle to be detected through the ETC receiving component and performing key decryption, the at least one vehicle to be detected sends a signal through the ETC sending component configured by each vehicle to be detected, and the signal carries the ETC secret key of each vehicle to be detected. Correspondingly, the transaction initiating vehicle configured with the ETC receiving component detects the ETC secret key carried in the signal sent by the at least one vehicle to be detected through the ETC sending component configured by each vehicle to be detected through the ETC receiving component.

[0121] The target vehicle verifies the identity of the transaction initiating vehicle by detecting the ETC key of the at least one to-be-detected vehicle through the ETC receiving assembly of the target vehicle, confirms the identity of the transaction initiating vehicle, and ensures transaction security.

[0122] Thereafter, the ETC key of the at least one to-be-detected vehicle is decrypted to obtain the vehicle identification of the at least one to-be-detected vehicle. In an optional embodiment of the present embodiment, the ETC key is decrypted in the following manner:

[0123] The ETC receiving assembly detects the ETC key of the at least one to-be-detected vehicle, and the ETC receiving assembly decrypts the detected ETC key of the at least one to-be-detected vehicle to obtain the vehicle identification of the at least one to-be-detected vehicle.

[0124] Alternatively,

[0125] The ETC receiving assembly detects the ETC key of the at least one to-be-detected vehicle, sends the ETC key of the at least one to-be-detected vehicle to the server, and the server decrypts the ETC key to obtain the vehicle identification of the at least one to-be-detected vehicle.

[0126] The vehicle identification of the at least one to-be-detected vehicle sent by the server is received.

[0127] In step S406, it is determined whether the vehicle identification is contained in the vehicle identification of the at least one to-be-detected vehicle obtained after decryption of the key.

[0128] The transaction processing method for vehicles provided in the present embodiment is based on the vehicle identification of the at least one to-be-detected vehicle obtained by the server decrypting the detected ETC key of the at least one to-be-detected vehicle. After the target vehicle receives the vehicle identification of the at least one to-be-detected vehicle sent by the server, the identity of the transaction initiating vehicle is verified by determining whether the vehicle identification is contained in the vehicle identification of the at least one to-be-detected vehicle obtained after decryption of the key.

[0129] In the process of judging whether the vehicle identification of the at least one to-be-detected vehicle obtained after the secret key decryption contains the vehicle identification, the vehicle identification of the transaction initiating vehicle contained in the transaction prompt is compared with the vehicle identification of the at least one to-be-detected vehicle obtained, if the identification information of the at least one to-be-detected vehicle obtained after the secret key decryption contains the vehicle identification, the at least one to-be-detected vehicle with the same vehicle identification as the transaction initiating vehicle is selected as the transaction initiating vehicle; if not, the target vehicle fails in the identity verification of the transaction initiating vehicle, and sends a judgment result of the identity verification failure of the transaction initiating vehicle to the server, and the server terminates the transaction according to the judgment result.

[0130] In the process of identity verification of the target vehicle to the transaction initiating vehicle, an implementable manner provided in the embodiment is that the target vehicle specifically performs the operation for identity verification failure in the following manner:

[0131] Sends the judgment result to the server, and the server terminates the transaction.

[0132] In an actual scenario, if the target vehicle does not confirm the transaction amount contained in the transaction prompt, the transaction cannot continue, for example, A car initiates a collection of 100 yuan to B car, B car does not confirm the transaction amount of 100 yuan, and then terminates the transaction of A car initiating a collection of 100 yuan to B car, or after A car changes the transaction amount to 50 yuan and initiates a collection of 50 yuan to B car, B car can confirm the transaction amount of 50 yuan, and then processes the transaction through the server. In the embodiment, the target vehicle refuses to receive the transaction prompt issued by the server, sends a refusal instruction to the server, and the server terminates the transaction, or receives the transaction prompt issued by the server and displays it, and submits a transaction confirmation instruction according to the updated transaction amount in the transaction prompt. In an implementable manner in the embodiment, after the target vehicle does not confirm the transaction amount contained in the transaction prompt, the transaction is processed in the following manner:

[0133] Refuses the collection prompt and sends a refusal instruction to the server to terminate the transaction.

[0134] Or,

[0135] Receives and displays the transaction prompt issued by the server, and the transaction prompt contains the vehicle identification of the transaction initiating vehicle and the updated transaction amount of the transaction initiating vehicle.

[0136] Step S408, submits a transaction confirmation instruction to the server to process the transaction through the server.

[0137] As described above, the target vehicle confirms the identity of the transaction initiating vehicle after identity verification, and also needs to determine the transaction amount in the transaction prompt according to the free password limit of the fund account bound to the ETC receiving component of the target vehicle:

[0138] If the transaction amount is greater than the free password limit threshold of the fund account bound to the ETC receiving component of the target vehicle, the target vehicle configured with the ETC receiving component obtains the payment password submitted by the user, submits the payment password and transaction confirmation instruction to the server, and if it is less than, submits the free password payment instruction to the server.

[0139] After the server receives the transaction confirmation instruction or free password payment instruction sent by the target vehicle, the server specifically adopts the following method for transaction processing in an optional embodiment provided by the present embodiment:

[0140] According to the transaction amount, the fund is transferred out from the fund account bound to the ETC component of the target vehicle, and the transferred fund is transferred to the fund account bound to the ETC identification component of the transaction initiating vehicle.

[0141] The following is an example of the application of the transaction processing method for vehicles provided by the present embodiment in the application of the collection scene, which further illustrates the transaction processing method for vehicles provided by the present embodiment, referring to Figure 5 , the transaction processing method for vehicles in the collection scene, specifically comprising steps S502 to S518.

[0142] Step S502, receiving and displaying the transaction prompt sent by the server.

[0143] Specifically, the first vehicle configured with the ETC receiving component sends the transaction information generated automatically by the system connected by the vehicle terminal or collected by the vehicle terminal to the second vehicle configured with the ETC sending component, and the transaction information includes the second vehicle identifier and the transaction amount. Then, the ETC secret key of the vehicle in the ETC radio frequency communication range is detected through the configured ETC receiving component, and the second vehicle is identity verified according to the vehicle identifier of the vehicle in the ETC radio frequency communication range returned by the server and the second vehicle identifier collected by the vehicle terminal. After the first vehicle configured with the ETC receiving component confirms the second vehicle, the server initiates a collection request to the second vehicle, creates a transaction order according to the collection request, and generates a transaction prompt and sends it to the second vehicle.

[0144] Step S504, detecting the ETC secret key of at least one to-be-detected vehicle through the ETC receiving component and performing secret key decryption.

[0145] Specifically, the ETC key of the at least one to-be-detected vehicle is detected by the ETC receiving component, the ETC key of the at least one to-be-detected vehicle detected is decrypted by the ETC receiving component to obtain the vehicle identification of the at least one to-be-detected vehicle; or the ETC key of the at least one to-be-detected vehicle is detected by the ETC receiving component, the ETC key of the at least one to-be-detected vehicle is sent to the server, and the ETC key is decrypted by the server to obtain the vehicle identification of the at least one to-be-detected vehicle.

[0146] Step S502, it is judged whether the vehicle identification of the at least one to-be-detected vehicle obtained after the key decryption contains the first vehicle identification.

[0147] Step S504, if yes, a transaction confirmation instruction is submitted to the server to perform transaction processing through the server.

[0148] Step S506, it is judged whether the transaction amount is greater than the threshold of the first vehicle's ETC receiving component bound to the fund account.

[0149] If yes, step S508 is executed.

[0150] If no, a password-free payment instruction is submitted to the server to perform transaction processing through the server.

[0151] Step S508, the car terminal obtains the payment password submitted by the user and submits the payment password and the transaction confirmation instruction to the server.

[0152] Step S510, the transaction amount is transferred out from the fund account bound to the ETC receiving component of the first vehicle, and the transferred fund is transferred to the fund account bound to the ETC receiving component of the second vehicle.

[0153] Step S512, the transaction result prompt sent by the server is received.

[0154] Specifically, the server transfers the corresponding transaction amount from the fund account bound to the ETC of the second vehicle to the fund account bound to the ETC of the first vehicle, and sends the result prompt of the successful transaction to the first vehicle and the second vehicle.

[0155] The transaction processing device applied to the vehicle provided in the specification implements, for example, the following:

[0156] In the above embodiment, a transaction processing method applied to a vehicle is provided, and a transaction processing device applied to a vehicle is also provided, which will be described below with reference to the accompanying drawings.

[0157] Reference Figure 6Fig. 1 shows a schematic diagram of a transaction processing method applied to a vehicle according to an embodiment of the present application.

[0158] Since the device embodiments correspond to the method embodiments, the description is relatively simple, and the relevant parts can be referred to the corresponding description of the method embodiments provided above. The device embodiments described below are merely illustrative.

[0159] The embodiment provides a transaction processing device applied to a vehicle, which comprises:

[0160] The transaction information acquisition module 602 is configured to acquire transaction information collected by the vehicle terminal, wherein the transaction information comprises a target vehicle identifier and a transaction amount;

[0161] The detection module 604 is configured to detect an ETC key of at least one candidate vehicle through the ETC receiving assembly;

[0162] The decryption module 606 is configured to select a candidate vehicle with the same vehicle identifier as the target vehicle identifier as the target vehicle from the vehicle identifiers of the at least one candidate vehicle obtained after the key decryption of the ETC key;

[0163] The transaction module 608 is configured to initiate a transaction process with the target vehicle through the server based on the transaction information.

[0164] Another transaction processing device applied to a vehicle is provided in the embodiment.

[0165] In the above embodiment, another transaction processing method applied to a vehicle is provided, and another transaction processing device applied to a vehicle is also provided, which will be described below with reference to the accompanying drawings.

[0166] Reference Figure 7 Fig. 2 shows a schematic diagram of another transaction processing method applied to a vehicle according to an embodiment of the present application.

[0167] Since the device embodiments correspond to the method embodiments, the description is relatively simple, and the relevant parts can be referred to the corresponding description of the method embodiments provided above. The device embodiments described below are merely illustrative.

[0168] Another transaction processing device applied to a vehicle is provided in the embodiment, which comprises:

[0169] The transaction reminder receiving module 702 is configured to receive and display a transaction reminder sent by the server, wherein the transaction reminder comprises a vehicle identifier of a transaction initiating vehicle and a transaction amount;

[0170] The detection and decryption module 704 is configured to detect and decrypt the ETC key of at least one vehicle to be detected through the ETC receiving component.

[0171] The judgment module 706 is configured to determine whether the vehicle identifier of at least one vehicle to be detected obtained after key decryption contains the vehicle identifier.

[0172] If the result of the judgment module 706 is yes, then the transaction module 708 is run. The transaction module 708 is configured to submit a transaction confirmation instruction to the server so as to process the transaction through the server.

[0173] The following is an embodiment of a vehicle transaction processing device provided in this specification:

[0174] Corresponding to the vehicle transaction processing method described above, based on the same technical concept, one or more embodiments of this specification also provide a vehicle transaction processing device for executing the vehicle transaction processing method described above. Figure 8 This is a schematic diagram of a transaction processing device for vehicles provided in one or more embodiments of this specification.

[0175] This embodiment provides a transaction processing device for vehicles, comprising:

[0176] like Figure 8 As shown, transaction processing devices applied to vehicles can vary significantly due to differences in configuration or performance. They may include one or more processors 801 and memory 802, with memory 802 storing one or more application programs or data. Memory 802 can be temporary or persistent storage. The application programs stored in memory 802 may include one or more modules (not shown), each module including a series of computer-executable instructions for the transaction processing device applied to the vehicle. Furthermore, processor 501 may be configured to communicate with memory 802 and execute the series of computer-executable instructions in memory 802 on the transaction processing device applied to the vehicle. The transaction processing device applied to the vehicle may also include one or more power supplies 803, one or more wired or wireless network interfaces 804, one or more input / output interfaces 805, one or more keyboards 806, etc.

[0177] In one specific embodiment, the transaction processing device applied to the vehicle comprises a memory, and one or more programs, wherein one or more programs are stored in the memory, and one or more programs can comprise one or more modules, and each module can comprise a series of computer executable instructions applied to the transaction processing device applied to the vehicle, and the one or more programs configured to be executed by one or more processors include computer executable instructions for:

[0178] Obtaining transaction information collected by the vehicle terminal, the transaction information comprising a target vehicle identifier and a transaction amount;

[0179] Detecting an ETC key of at least one candidate vehicle through the ETC receiving component;

[0180] Selecting a candidate vehicle with a vehicle identifier identical to the target vehicle identifier as the target vehicle from at least one candidate vehicle obtained after the ETC key is decrypted;

[0181] Initiating a transaction process with the target vehicle through the server based on the transaction information.

[0182] Another transaction processing device applied to the vehicle provided by the specification is implemented as follows:

[0183] Corresponding to another transaction processing method applied to the vehicle described above, based on the same technical concept, one or more embodiments of the specification further provide another transaction processing device applied to the vehicle, and the data processing device applied to the transaction processing device applied to the vehicle is used to execute the transaction processing method provided above, Figure 9 The structure diagram of another transaction processing device applied to the vehicle provided by one or more embodiments of the specification.

[0184] Another transaction processing device applied to the vehicle provided by the embodiment comprises:

[0185] As Figure 9As shown, the transaction processing device applied to the vehicle can have a large difference due to different configurations or performances, and can include one or more processors 901 and memories 902, and the memories 902 can store one or more stored applications or data. Among them, the memories 902 can be temporary storage or persistent storage. The applications stored in the memories 902 can include one or more modules (not shown in the figure), and each module can include a series of computer executable instructions applied to the transaction processing device of the vehicle. Further, the processor 901 can be configured to communicate with the memory 902 and execute a series of computer executable instructions in the memory 902 on the transaction processing device applied to the vehicle. The transaction processing device applied to the vehicle can also include one or more power supplies 903, one or more wired or wireless network interfaces 904, one or more input / output interfaces 909, one or more keyboards 906, and the like.

[0186] In one specific embodiment, the transaction processing device applied to the vehicle includes a memory and one or more programs, wherein one or more programs are stored in the memory, and the one or more programs can include one or more modules, and each module can include a series of computer executable instructions applied to the transaction processing device of the vehicle, and the one or more processors configured to execute the one or more programs include computer executable instructions for:

[0187] Receiving and displaying the transaction prompt sent by the server, the transaction prompt containing the vehicle identification of the transaction initiating vehicle and the transaction amount;

[0188] Detecting the ETC key of at least one to-be-detected vehicle through the ETC receiving component and performing key decryption;

[0189] Determining whether the vehicle identification of at least one to-be-detected vehicle obtained after key decryption contains the vehicle identification;

[0190] If yes, submitting a transaction confirmation instruction to the server to perform transaction processing through the server.

[0191] The storage medium provided by the present specification is implemented as follows:

[0192] According to the above description, a transaction processing method applied to a vehicle is provided, and based on the same technical concept, one or more embodiments of the present specification also provide a storage medium.

[0193] The storage medium provided by the present embodiment is used to store computer executable instructions, and the computer executable instructions are executed to implement the following processes:

[0194] Acquire transaction information collected by the vehicle terminal, the transaction information including a target vehicle identifier and a transaction amount;

[0195] Detect an ETC key of at least one candidate vehicle through the ETC receiving component;

[0196] Select a candidate vehicle with a vehicle identifier identical to the target vehicle identifier from at least one candidate vehicle whose vehicle identifier is obtained after key decryption of the ETC key as the target vehicle;

[0197] Initiate transaction processing with the target vehicle through the server based on the transaction information.

[0198] Another storage medium provided by the specification implements, for example, as follows:

[0199] Based on the same technical concept, one or more embodiments of the specification also provide a storage medium corresponding to the transaction processing method applied to the vehicle described above.

[0200] The storage medium provided by the embodiment is used to store computer executable instructions, and the computer executable instructions implement the following processes when executed:

[0201] Receive and display a transaction reminder sent by the server, the transaction reminder including a vehicle identifier of a transaction initiating vehicle and a transaction amount;

[0202] Detect an ETC key of at least one to-be-detected vehicle through the ETC receiving component and perform key decryption;

[0203] Determine whether the vehicle identifier is included in at least one to-be-detected vehicle whose vehicle identifier is obtained after key decryption;

[0204] If yes, submit a transaction confirmation instruction to the server to perform transaction processing through the server.

[0205] It should be noted that the embodiments of the storage medium in the specification and the embodiments of the data processing method in the specification are based on the same inventive concept, so the specific implementation of this embodiment can refer to the foregoing implementation of the corresponding method, and the repeated parts will not be described here.

[0206] The above describes specific embodiments of the specification. Other embodiments are within the scope of the appended claims. In some cases, the actions or steps recited in the claims can be performed in an order different than the order in the embodiments and still achieve the desired result. In addition, the processes depicted in the figures do not necessarily require the particular order shown or sequential order to achieve the desired results. In certain implementations, multitasking and parallel processing can be advantageous or possible.

[0207] In the 1930s, improvements to a technology could be clearly distinguished as either hardware improvements (e.g., improvements to the circuit structure of diodes, transistors, switches, etc.) or software improvements (improvements to the methodology). However, with technological advancements, many improvements to the methodology today can be considered direct improvements to the hardware circuit structure. Designers almost always obtain the corresponding hardware circuit structure by programming the improved methodology into the hardware circuit. Therefore, it cannot be said that an improvement to the methodology cannot be implemented using a hardware physical module. For example, a Programmable Logic Device (PLD) (e.g., a Field Programmable Gate Array (FPGA)) is such an integrated circuit whose logic function is determined by the user programming the device. Designers can program a digital system themselves to "integrate" it onto a PLD, without needing chip manufacturers to design and manufacture dedicated integrated circuit chips. Furthermore, nowadays, instead of manually manufacturing integrated circuit chips, this programming is mostly implemented using "logic compiler" software. Similar to the software compiler used in program development, the original code before compilation must be written in a specific programming language, called a Hardware Description Language (HDL). There are many HDLs, such as ABEL (Advanced Boolean Expression Language), AHDL (Altera Hardware Description Language), Confluence, CUPL (Cornell University Programming Language), HDCal, JHDL (Java Hardware Description Language), Lava, Lola, MyHDL, PALASM, and RHDL (Ruby Hardware Description Language). Currently, the most commonly used are VHDL (Very-High-Speed ​​Integrated Circuit Hardware Description Language) and Verilog. Those skilled in the art should understand that by simply performing some logic programming on the method flow using one of these hardware description languages ​​and programming it into an integrated circuit, the hardware circuit implementing the logical method flow can be easily obtained.

[0208] The controller can be implemented in any suitable manner, for example, the controller can take the form of a microprocessor or processor and a computer readable medium storing computer readable program code (e.g. software or firmware) executable by the (micro)processor, logic gates, switches, an Application Specific Integrated Circuit (ASIC), a programmable logic controller and an embedded microcontroller, examples of which include but are not limited to the following microcontrollers: ARC 629D, Atmel AT91SAM, Microchip PIC18F26K20 and Silicone Labs C8091F320, the memory controller can also be implemented as part of the control logic of the memory. It will also be appreciated by those skilled in the art that in addition to being implemented in purely computer readable program code the controller can equally well be implemented by logic programming the method steps in logic gates, switches, an ASIC, a programmable logic controller and an embedded microcontroller to achieve the same functionality. The controller can thus be considered as a hardware component and the means included therein for achieving the various functions can be considered as structures within the hardware component. Alternatively, or even, the means for achieving the various functions can be considered as both a software module implementing the method and as a structure within the hardware component.

[0209] The systems, apparatuses, modules or units illustrated by the above embodiments can be specifically implemented by computer chips or entities, or by products with certain functions. A typical implementation device is a computer. Specifically, the computer can be, for example, a personal computer, a laptop computer, a cellular phone, a camera phone, a smart phone, a personal digital assistant, a media player, a navigation device, an email device, a game console, a tablet computer, a wearable device, or a combination of any of these devices.

[0210] For the sake of description, the above apparatuses are described in functional division and are described respectively. Of course, the functions of the units can be implemented in the same or multiple software and / or hardware when implementing the embodiments of the present specification.

[0211] Those skilled in the art will appreciate that one or more embodiments of the present specification can be provided as a method, a system or a computer program product. Therefore, one or more embodiments of the present specification can take the form of a complete hardware embodiment, a complete software embodiment, or an embodiment combining software and hardware aspects. Moreover, the present specification can take the form of a computer program product implemented on one or more computer-usable storage media (including but not limited to disk storage, CD-ROMs, optical storage devices, etc.) containing computer usable program code.

[0212] The specification is presented with reference to flow diagrams and / or block diagrams of methods, apparatus (systems) and computer program products according to embodiments of the specification. It will be understood that each block of the flow diagrams and / or block diagrams, and combinations of blocks in the flow diagrams and / or block diagrams, can be implemented by computer program instructions. These computer program instructions can be provided to a processor of a general purpose computer, special purpose computer, embedded processing element or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flow diagrams and / or block diagrams block or blocks. Figure 1 one or more flow or multiple flows and / or blocks Figure 1 one or more flow or multiple flows and / or blocks

[0213] These computer program instructions can also be stored in a computer- readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instructions which implement the function specified in the flow diagrams and / or block diagrams block or blocks. Figure 1 one or more flow or multiple flows and / or blocks Figure 1 one or more flow or multiple flows and / or blocks

[0214] These computer program instructions can also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flow diagrams and / or block diagrams block or blocks. Figure 1 one or more flow or multiple flows and / or blocks Figure 1 one or more flow or multiple flows and / or blocks

[0215] In one typical configuration, the computing device includes one or more processors (CPUs), input / output interfaces, network interfaces, and memory.

[0216] The memory can include non-persistent memory and / or volatile memory, such as random access memory (RAM) and / or cache memory, non-volatile memory, such as read-only memory (ROM), EPROM, and / or flash memory, etc. The memory is an example of computer readable media.

[0217] Computer-readable media includes permanent and non-permanent, movable and non-movable media that can implement information storage by any method or technology. The information can be computer-readable instructions, data structures, program modules or other data. Examples of computer storage media include, but are not limited to, phase-change memory (PRAM), static random access memory (SRAM), dynamic random access memory (DRAM), other types of random access memory (RAM), read-only memory (ROM), electrically erasable programmable read-only memory (EEPROM), flash memory or other memory technologies, compact disc read-only memory (CD-ROM), digital versatile disc (DVD) or other optical storage, magnetic cassette, magnetic disk storage or other magnetic storage devices, or any other non-transmission medium that can be used to store information accessible to a computing device. According to the definition herein, computer-readable media does not include transitory media such as modulated data signals and carriers.

[0218] It should also be noted that the terms "comprising", "containing", or any other variant thereof are intended to cover non-exclusive inclusion, such that a process, method, article or apparatus that comprises a list of elements does not only include those elements, but also includes other elements not explicitly listed or inherent to such a process, method, article or apparatus. Without more limitations, the element defined by the statement "comprising a" does not exclude the presence of additional identical elements in the process, method, article or apparatus that includes the element.

[0219] One or more embodiments of the specification can be described in the general context of computer-executable instructions being executed by a computer, such as program modules. Generally, program modules include routines, programs, objects, components, data structures, etc. that perform specific tasks or implement specific abstract data types. One or more embodiments of the specification can also be practiced in a distributed computing environment, in which tasks are performed by remote processing devices connected through a communication network. In a distributed computing environment, program modules can be located in local and remote computer storage media, including storage devices.

[0220] Each embodiment in the specification is described in a progressive manner, and the same or similar parts between each embodiment can be referred to each other, and each embodiment focuses on the difference from other embodiments. In particular, for system embodiments, since they are basically similar to method embodiments, the description is relatively simple, and the relevant parts can be referred to the part of the method embodiment.

[0221] The above merely provides the example of the present document and is not intended to limit the present document. For those skilled in the art, the present document can have various modifications and changes. Any modification, equivalent replacement, improvement, etc. within the spirit and principle of the present document shall be included in the scope of claims of the present document.

Claims

1. A transaction processing method applied to a vehicle, comprising: obtaining a target vehicle identifier and a transaction amount collected by a terminal of a vehicle, and detecting an ETC key of at least one candidate vehicle through an ETC receiving component; selecting a candidate vehicle with the same vehicle identifier as the target vehicle identifier from vehicle identifiers of the at least one candidate vehicle obtained after key decryption of the ETC key as a target vehicle; submitting a payment request containing the target vehicle identifier and the transaction amount to a server, and determining whether the transaction amount is greater than a password-free threshold of a fund account bound to the ETC receiving component; if not, submitting a password-free payment instruction to the server to perform transaction processing through the server, and receiving a transaction result prompt sent by the server.

2. The transaction processing method applied to a vehicle according to claim 1, wherein the at least one candidate vehicle sends a signal through a respectively configured ETC sending component, and the signal carries an ETC key of the at least one candidate vehicle respectively; correspondingly, a transaction initiating vehicle configured with the ETC receiving component detects the ETC key carried in the signal sent by the at least one candidate vehicle through the respectively configured ETC sending component through the ETC receiving component.

3. The transaction processing method applied to a vehicle according to claim 1, further comprising: submitting a collection request for the target vehicle to the server, wherein the collection request contains the target vehicle identifier and the transaction amount; receiving a transaction result prompt sent by the server.

4. The transaction processing method applied to a vehicle according to claim 3, wherein the server performs the following transaction processing after receiving the collection request: generating a transaction order according to the collection request and sending a transaction prompt to the target vehicle, wherein the transaction order records a vehicle identifier of a transaction initiating vehicle and a transaction amount; after receiving a transaction confirmation instruction submitted by a terminal of the target vehicle, performing fund transfer out from a fund account bound to an ETC receiving component of the target vehicle according to the transaction amount, and transferring the transferred fund to a fund account bound to an ETC receiving component of the transaction initiating vehicle; sending a transaction result prompt to the target vehicle.

5. The transaction processing method applied to a vehicle according to claim 4, wherein the target vehicle performs the following operations after receiving the transaction prompt sent by the server: displaying the transaction prompt sent by the server, wherein the transaction prompt contains the vehicle identifier of the transaction initiating vehicle and the transaction amount; detecting an ETC key of at least one to-be-detected vehicle through an ETC receiving component configured by the target vehicle and performing key decryption; determining whether the vehicle identifier of the transaction initiating vehicle is contained in identification information of the at least one to-be-detected vehicle obtained after key decryption; if yes, submitting a transaction confirmation instruction to the server to perform transaction processing through the server.

6. The transaction processing method for vehicles according to claim 1, if the result of the operation of judging whether the transaction amount is greater than the threshold of the password-free amount of the fund account bound to the ETC receiving component is YES, the following operations are performed: obtaining the payment password submitted by the user, submitting the payment password and the transaction confirmation instruction to the server, and receiving the transaction result prompt sent by the server.

7. The transaction processing method for vehicles according to claim 6, after the server receives the payment password and the transaction confirmation instruction submitted by the transaction initiating vehicle, or the password-free payment instruction, the following transaction processing is performed: performing fund transfer from the fund account bound to the ETC receiving component of the transaction initiating vehicle according to the transaction amount, and transferring the transferred fund to the fund account bound to the ETC receiving component of the target vehicle; sending the transaction result prompt to the transaction initiating vehicle and the target vehicle.

8. The transaction processing method for vehicles according to claim 1, the target vehicle identification includes at least one of the following: license plate number, vehicle engine number, vehicle model, and vehicle owner information.

9. A transaction processing method for vehicles, comprising: receiving and displaying the transaction prompt sent by the server and containing the vehicle identification of the transaction initiating vehicle and the transaction amount, and detecting the ETC secret key of at least one vehicle to be detected through the ETC receiving component; judging whether the vehicle identification of at least one vehicle to be detected obtained after secret key decryption contains the vehicle identification of the transaction initiating vehicle; if YES, submitting a transaction confirmation instruction to the server to perform payment processing through the server; if the transaction amount is less than or equal to the threshold of the password-free amount of the fund account bound to the ETC receiving component, submitting a password-free payment instruction to the server, and receiving the transaction result prompt sent by the server.

10. The transaction processing method for vehicles according to claim 9, the at least one vehicle to be detected sends signals through the ETC sending component configured respectively, and the signals carry the ETC secret key of the at least one vehicle to be detected respectively; correspondingly, the target vehicle configured with the ETC receiving component detects the ETC secret key carried in the signals sent by the at least one vehicle to be detected through the ETC sending component configured respectively.

11. The transaction processing method for vehicles according to claim 9, after the operation of submitting a transaction confirmation instruction to the server to perform payment processing through the server is executed, further comprising: if the transaction amount is greater than the threshold of the password-free amount, obtaining the payment password submitted by the user, submitting the payment password and the transaction confirmation instruction to the server, and receiving the transaction result prompt sent by the server.

12. The transaction processing method for vehicles according to claim 11, after the server receives the transaction confirmation instruction or the password-free payment instruction submitted by the target vehicle, the following transaction processing is performed: transferring funds from a fund account bound to the ETC receiving component of the target vehicle according to the transaction amount, and transferring the transferred funds to a fund account bound to the ETC receiving component of the transaction initiating vehicle.

13. The transaction processing method applied to vehicles according to claim 9, if the result of the step of determining whether the vehicle identification of at least one vehicle to be detected obtained after decryption of the judgment key contains the vehicle identification of the transaction initiating vehicle is no, the following operation is performed: sending the determination result to the server to terminate the transaction by the server.

14. The transaction processing method applied to vehicles according to claim 9, after the step of determining whether the vehicle identification of at least one vehicle to be detected obtained after decryption of the judgment key contains the vehicle identification of the transaction initiating vehicle is performed, further comprising: receiving and displaying a transaction prompt issued by the server, wherein the issued transaction prompt contains the vehicle identification of the transaction initiating vehicle and the updated transaction amount of the transaction initiating vehicle.

15. A transaction processing device applied to vehicles, comprising: a transaction information acquisition module configured to acquire a target vehicle identification and a transaction amount collected through a vehicle terminal, and detect an ETC key of at least one candidate vehicle through an ETC receiving component; a detection module configured to select a candidate vehicle with the same vehicle identification as the target vehicle identification as a target vehicle from the vehicle identification of at least one candidate vehicle obtained after decryption of the ETC key; a decryption module configured to submit a payment request containing the target vehicle identification and the transaction amount to a server, and determine whether the transaction amount is greater than a password-free amount threshold of a fund account bound to the ETC receiving component; a transaction module configured to submit a password-free payment instruction to the server to perform transaction processing through the server if the determination result is no, and receive a transaction result prompt sent by the server.

16. A transaction processing device applied to vehicles, comprising: a transaction prompt receiving module configured to receive and display a transaction prompt containing a vehicle identification of a transaction initiating vehicle and a transaction amount sent by a server, and detect an ETC key of at least one vehicle to be detected through an ETC receiving component; a detection decryption module configured to determine whether the vehicle identification of at least one vehicle to be detected obtained after decryption of the key contains the vehicle identification of the transaction initiating vehicle; a judgment module configured to submit a transaction confirmation instruction to the server to perform payment processing through the server if the determination result is yes; a transaction module configured to submit a password-free payment instruction to the server if the transaction amount is less than or equal to a password-free amount threshold of a fund account bound to the ETC receiving component, and receive a transaction result prompt sent by the server.

17. A transaction processing device applied to vehicles, comprising: a processor; and a memory configured to store computer executable instructions which, when executed, cause the processor to: acquire a target vehicle identification and a transaction amount collected through a vehicle terminal, and detect an ETC key of at least one candidate vehicle through an ETC receiving component; selecting a candidate vehicle with a same vehicle identification as the target vehicle identification as the target vehicle from vehicle identifications of the at least one candidate vehicle obtained after key decryption on the ETC key; submitting a payment request containing the target vehicle identification and the transaction amount to a server, and determining whether the transaction amount is greater than a password-free threshold of a fund account bound to the ETC receiving component; if not, submitting a password-free payment instruction to the server to perform transaction processing through the server, and receiving a transaction result prompt sent by the server.

18. A transaction processing device applied to a vehicle, comprising: a processor; and a memory configured to store computer executable instructions which, when executed, cause the processor to: receive and display a transaction prompt containing a vehicle identification of a transaction initiating vehicle and a transaction amount sent by a server, and detect an ETC key of at least one vehicle to be detected through an ETC receiving component; determine whether the vehicle identification of the transaction initiating vehicle is contained in vehicle identifications of the at least one vehicle to be detected obtained after key decryption; if so, submit a transaction confirmation instruction to the server to perform payment processing through the server; if the transaction amount is less than or equal to a password-free threshold of a fund account bound to the ETC receiving component, submit a password-free payment instruction to the server, and receive a transaction result prompt sent by the server.

19. A storage medium for storing computer executable instructions which, when executed, implement the following processes: obtaining a target vehicle identification and a transaction amount collected through a vehicle terminal, and detecting an ETC key of at least one candidate vehicle through an ETC receiving component; selecting a candidate vehicle with a same vehicle identification as the target vehicle identification as the target vehicle from vehicle identifications of the at least one candidate vehicle obtained after key decryption on the ETC key; submitting a payment request containing the target vehicle identification and the transaction amount to a server, and determining whether the transaction amount is greater than a password-free threshold of a fund account bound to the ETC receiving component; if not, submitting a password-free payment instruction to the server to perform transaction processing through the server, and receiving a transaction result prompt sent by the server.

20. A storage medium for storing computer executable instructions which, when executed, implement the following processes: receiving and displaying a transaction prompt containing a vehicle identification of a transaction initiating vehicle and a transaction amount sent by a server, and detecting an ETC key of at least one vehicle to be detected through an ETC receiving component; determining whether the vehicle identification of the transaction initiating vehicle is contained in vehicle identifications of the at least one vehicle to be detected obtained after key decryption; if so, submitting a transaction confirmation instruction to the server to perform payment processing through the server; if the transaction amount is less than or equal to a password-free threshold of a fund account bound to the ETC receiving component, submitting a password-free payment instruction to the server, and receiving a transaction result prompt sent by the server.

Images