ETC fee settlement method, device, equipment, medium and product

Abstract

The embodiment of the invention discloses an ETC fee settlement method, device, equipment and medium, and the method comprises the steps: obtaining a deduction request initiated by an ETC fee requester, and adding the deduction request to a to-be-processed request queue; performing batch processing on the money deduction requests in the to-be-processed request queue at a preset money deduction request time node; checking the batch processing result of the money deduction requests at a preset money deduction checking time node after the preset money deduction request time node, and determining whether money deduction of each money deduction request succeeds or not; and carrying out money advance processing on the money deduction request without successful money deduction so as to complete expense settlement corresponding to the money deduction request without successful money deduction. According to the technical scheme of the embodiment of the invention, the problem that the existing ETC fee accumulation settlement process is complex is solved, the burden of a bank system can be reduced, ETC fee settlement management is flexible, and the risk of real-time interaction is reduced.

Description

Technical Field

[0001] Embodiments of the present invention relate to the field of computer technology, and in particular, to an ETC fee settlement method, device, equipment, medium and product. Background Art

[0002] ETC, or Electronic Toll Collection, is an electronic automatic toll collection system used in roads, bridges, tunnels, etc. Currently, ETC fee settlement adopts the cumulative payment method, and settlement is made when a certain amount is accumulated.

[0003] However, the cumulative payment method relies on the ETC system to accurately record and store information about each vehicle passing through to ensure the correctness and integrity of the user's account. Moreover, it may lead to payment opacity and increased accounting complexity. Users may not know how much each transportation fee is, especially for those who use it frequently. They may accumulate a large amount of transportation fees without knowing it, which causes inconvenience to the user's fund management. The cumulative payment method may result in the need to process multiple transportation fees within a certain period of time, including recording and checking fees at different times and locations. Summary of the invention

[0004] The embodiments of the present invention provide an ETC fee settlement method, device, equipment, medium and product, which can process deduction requests in batches, reduce the burden on the banking system, flexibly manage ETC fee settlement, and reduce the risk of real-time interaction.

[0005] In a first aspect, an embodiment of the present invention provides an ETC fee settlement method, the method comprising:

[0006] Obtain the deduction request initiated by the ETC fee requester and add the deduction request to the pending request queue;

[0007] At the preset deduction request time node, batch process the deduction requests in the pending request queue;

[0008] At a preset deduction verification time node after the preset deduction request time node, verify the batch processing results of the deduction request to determine whether each deduction request is successful;

[0009] Advance payment is made for unsuccessful deduction requests to complete the fee settlement corresponding to the unsuccessful deduction requests.

[0010] In a second aspect, an embodiment of the present invention further provides an ETC fee settlement device, the device comprising:

[0011] A deduction request acquisition module is used to obtain the deduction request initiated by the ETC fee requester and add the deduction request to the pending request queue;

[0012] A deduction processing module is used to batch process the deduction requests in the pending request queue at a preset deduction request time node;

[0013] A deduction processing result verification module is used to verify the batch processing results of the deduction request at a preset deduction verification time node after the preset deduction request time node to determine whether the deduction of each deduction request is successful;

[0014] The advance payment processing module is used to perform advance payment processing for deduction requests that have not been successfully deducted, so as to complete the fee settlement corresponding to the deduction requests that have not been successfully deducted.

[0015] In a third aspect, an embodiment of the present invention further provides a computer device, the computer device comprising:

[0016] one or more processors;

[0017] A memory for storing one or more programs;

[0018] When one or more programs are executed by one or more processors, the one or more processors implement the ETC fee settlement method provided by any embodiment of the present invention.

[0019] In a fourth aspect, an embodiment of the present invention further provides a computer-readable storage medium on which a computer program is stored, and when the program is executed by a processor, the ETC fee settlement method provided in any embodiment of the present invention is implemented.

[0020] In a fifth aspect, the embodiments of the present disclosure also provide a computer program product, including a computer program, which, when executed by a processor, implements the ETC fee settlement method provided in any embodiment of the present invention.

[0021] The embodiments of the above invention have the following advantages or beneficial effects:

[0022] The embodiment of the present invention obtains the deduction request initiated by the ETC fee requester and adds the deduction request to the pending request queue; at a preset deduction request time node, the deduction requests in the pending request queue are batch processed; at a preset deduction verification time node after the preset deduction request time node, the batch processing results of the deduction request are verified to determine whether each deduction request is successful; and advance payment is processed for the deduction requests that are not successfully deducted to complete the fee settlement corresponding to the deduction requests that are not successfully deducted. The technical solution of the embodiment of the present invention solves the problem of the complexity of the existing ETC fee accumulation and settlement process, can reduce the burden on the banking system, is flexible in the management of ETC fee settlement, and reduces the risk of real-time interaction. BRIEF DESCRIPTION OF THE DRAWINGS

[0023] Figure 1 is a flow chart of an ETC fee settlement method provided by an embodiment of the present invention;

[0024] Figure 2 is a flow chart of an ETC fee settlement method provided by an embodiment of the present invention;

[0025] Figure 3 A flow chart of deduction when the deduction account is a debit card account provided by an embodiment of the present invention;

[0026] Figure 4 is a flow chart of an ETC fee settlement method provided by an embodiment of the present invention;

[0027] Figure 5 This is a schematic diagram of an example process of applying an ETC fee settlement method provided by an embodiment of the present invention;

[0028] Figure 6 It is a structural schematic diagram of an ETC fee settlement device provided by an embodiment of the present invention;

[0029] Figure 7 It is a structural schematic diagram of a computer device provided by an embodiment of the present invention. DETAILED DESCRIPTION

[0030] The present invention will be further described in detail below in conjunction with the accompanying drawings and embodiments. It is to be understood that the specific embodiments described herein are only used to explain the present invention, rather than to limit the present invention. It should also be noted that, for ease of description, only parts related to the present invention, rather than all structures, are shown in the accompanying drawings.

[0031] Figure 1This is a flowchart of an ETC fee settlement method provided in an embodiment of the present invention. This embodiment can be applied to the scenario where the road network system connects with the bank to settle ETC fees. The method can be executed by an ETC fee settlement device, which can be implemented by software and / or hardware and integrated into a computer device with application development function.

[0032] like Figure 1 As shown, the ETC fee settlement method of this embodiment includes the following steps:

[0033] S110. Obtain the deduction request initiated by the ETC fee requester, and add the deduction request to a queue of pending requests.

[0034] Among them, the ETC fee requester can be the road toll collector, that is, the issuer of the OBU device, i.e. the on-board unit (On board Unit). When a vehicle equipped with an OBU device leaves the toll section, the OBU device receives the signal from the road side unit (RSU) and sends the vehicle information (such as license plate number, vehicle model, ETC card number, etc.) stored in itself to the RSU in accordance with the relevant protocol. The RSU then connects to the road network issuance platform, and through the interaction between the road network issuance platform and the financial institution system, it realizes rapid toll payment and vehicle identification operations. The whole process does not require parking, and the vehicle can quickly pass through the toll station, greatly improving the traffic efficiency.

[0035] The ETC fee clearing device may be a device configured in a financial institution system, and is used to interact with the road network issuance platform to complete the settlement of ETC fees.

[0036] The ETC fee requester sends a deduction request to a financial institution (such as a bank) through the road network issuance platform, with the goal of asking the financial institution to deduct the toll from the financial account associated with the target toll vehicle.

[0037] In this embodiment, the deduction request is a request for a single toll road passage fee for a vehicle that has exited a toll road section, and is not a cumulative deduction request corresponding to multiple toll road passages. In other words, when the target toll vehicle exits a toll road section, enters another toll road section after a period of time and exits, the ETC fee requester will issue two deduction requests in succession.

[0038] Specifically, the deduction request can be a request message generated based on the information of the target toll vehicle obtained by the RSU, such as the license plate number, vehicle model, ETC card number, etc., to send a deduction request to the financial institution system. The deduction request can be sent to the bank in real time and concurrently using https. The message is encrypted using AES (Advanced Encryption Standard) and signed using SHA256 to ensure data confidentiality and integrity.

[0039] When the ETC fee clearing device obtains the deduction request, it can decrypt and verify the request message of the deduction request, and can also verify the identity of the ETC fee requester and the timestamp to prevent the occurrence of transaction denial. Furthermore, the deduction request can be sorted according to the request number or identification information corresponding to the deduction request and added to the queue of pending requests to wait for batch processing.

[0040] S120: At a preset deduction request time node, batch process the deduction requests in the request queue to be processed.

[0041] At the preset deduction request time node, batch processing of the deduction requests in the pending request queue can be a scheduled task. The batch processing task can be executed synchronously by starting multiple threads.

[0042] Preset debit request time nodes can be flexibly scheduled with other settlement items in the financial system. Batch processing allows the system to process debits at specified time intervals, which can be managed and maintained according to the needs of banks and the network. This method makes it easier to schedule clearing and settlement operations.

[0043] The process of processing the deduction request includes verifying the deduction information and deducting the money from the corresponding deduction account.

[0044] Batch processing aggregates multiple deduction requests into a smaller batch, reducing the burden of each transaction on the system and the competition for system resources, thereby improving the efficiency and performance of the system. Compared with real-time processing, batch processing reduces the need for real-time communication between the system and financial institutions or payment gateways, reducing communication costs and complexity.

[0045] S130. At a preset deduction verification time node after the preset deduction request time node, verify the batch processing results of the deduction requests to determine whether each deduction request is successful.

[0046] At the preset deduction verification time node after the preset deduction request time node, for example, at 2:00 on T+1, all deduction requests on T day are batch processed, and at 4:00 on T+1, the batch processing results of the deduction requests are verified to verify the accuracy of the deduction transaction, reduce financial losses, and protect the rights and interests of the three parties: banks, road network platforms, and users.

[0047] The verification includes whether the deduction is successful and whether the deduction amount is correct.

[0048] S140: Perform advance payment processing for the unsuccessful deduction requests to complete the fee settlement corresponding to the unsuccessful deduction requests.

[0049] In the process of settling ETC fees, the priority of settlement processing is to ensure that the ETC fee requester obtains the corresponding settlement amount. Therefore, for deduction requests that have not been successfully deducted, financial institutions will advance funds to complete the fee settlement corresponding to the deduction requests that have not been successfully deducted.

[0050] The funds advanced by the financial institution can establish a corresponding repayment mechanism with the deduction account.

[0051] The technical solution of this embodiment is to obtain the deduction request initiated by the ETC fee requester and add the deduction request to the queue of pending requests; at the preset deduction request time node, batch process the deduction requests in the queue of pending requests; at the preset deduction verification time node after the preset deduction request time node, verify the batch processing results of the deduction request to determine whether each deduction request is successful; advance payment is processed for the deduction requests that are not successfully deducted to complete the fee settlement corresponding to the deduction requests that are not successfully deducted. The technical solution of the embodiment of the present invention solves the problem of the complexity of the existing ETC fee accumulation and settlement process, can reduce the burden on the banking system, is flexible in the management of ETC fee settlement, and reduces the risk of real-time interaction.

[0052] Figure 2 This is a flowchart of an ETC fee settlement method provided in an embodiment of the present invention. This embodiment and the ETC fee settlement method in the above embodiment belong to the same inventive concept, and further describes the process of batch processing of deduction requests. The method can be executed by an ETC fee settlement device, which can be implemented by software and / or hardware and integrated into a computer device with application development function.

[0053] like Figure 2 As shown, the ETC fee settlement method of this embodiment includes the following steps:

[0054] S210. Obtain the deduction request initiated by the ETC fee requester, and add the deduction request to a queue of pending requests.

[0055] S220: At a preset deduction request time node, verify the integrity of the deduction request business information in the deduction request and the corresponding business status to obtain a verification result.

[0056] When verifying the integrity of the deduction request business information and the corresponding business status in the deduction request, the deduction request business information in the request message of the deduction request can be parsed; then it is determined whether the deduction request business information includes all the preset necessary business information items to achieve the integrity verification of the payment request business information. Among them, the preset necessary business information items can include the verification of information such as the issuer number, the amount requested, the request time, the vehicle OBU number, and the payment serial number.

[0057] Then, the consistency of the preset necessary business information items in the deduction request business information and the corresponding business information items in the corresponding deduction contract is verified to achieve consistency verification of the deduction request business information; and determine whether the deduction account in the preset necessary business information items in the deduction request business information is in normal business status. For example, confirm whether the deduction account in the deduction request has been signed, whether the vehicle information is consistent with the binding contract, whether the bank card is bound, whether the card status is normal, whether it is blacklisted, etc.

[0058] If the verification fails, the corresponding error message will be returned, indicating that the corresponding deduction request is rejected. Generally, there are seven situations that lead to payment rejection and the corresponding deduction request will not be processed. Specifically:

[0059] 1. When the deduction amount in the deduction request is negative; 2. When the contract agreement number does not exist; 3. When the license plate is not bound to the current contract agreement number; 4. When the transaction information does not contain vehicle information; 5. When the issuer has not set up the issuer account; 6. According to the road network rules, the toll occurred more than 12 days ago; 7. When the blacklist is in effect for more than 16 hours. This step is a pre-judgment for executing deductions or refunds. The purpose is to ensure the accuracy and quality of the data, reduce the risk of erroneous data, and confirm that the transaction corresponding to the deduction request belongs to the ETC system and is a signed transaction behavior to ensure compliance.

[0060] Financial institutions batch process deduction requests regularly, change the processing status of deduction requests to processing, and determine the payment status code to prepare for deduction. A five-minute poll can be set for the payment status code query. In order to improve the performance and efficiency of the financial system, the processing of deduction requests can be based on a multi-threaded method. When the deduction starts, the issuer number in the deduction request and the transaction information are extracted and sent to the thread pool to execute the deduction program.

[0061] S230. When the verification result indicates that the verification is successful, deduction processing is performed according to the type of the payment account associated with the deduction request.

[0062] Alternatively, when the verification result indicates that the verification has failed, the settlement rejection result is fed back to the ETC fee requester.

[0063] Specifically, the types of payment accounts are different, and the deduction processing process is different according to the type of payment account associated with the deduction request.

[0064] When the type of payment account is a credit card account, if the deduction amount corresponding to the deduction request is less than the credit limit of the credit card account, the full amount will be deducted; if the deduction amount is greater than the credit limit of the credit card account, the credit card account will be deducted according to the credit limit and the difference will be paid in advance. For example, in actual operation, the bank may encapsulate the transaction code and transaction information of the credit card deduction and call the credit card deduction interface to deduct the money. When the credit card limit is sufficient, this deduction is a full deduction, and the corresponding amount is transferred from the credit card. When the credit card limit is insufficient, the bank will advance the payment for this transaction through the public account of the bank, and remind the user to repay in time through SMS.

[0065] When the payment account type is a debit card account, if the deduction amount corresponding to the deduction request is less than the balance of the debit card account, the full amount will be deducted; if the deduction amount is greater than the balance or the full amount deduction fails, the advance payment will be deducted from the preset advance payment account. For example, in actual operation, it can be as follows Figure 3 The process shown.

[0066] exist Figure 3 In the payment account contract, when the card type bound to the payment account is a debit card, the bank will encapsulate the transaction code and transaction information of the debit card deduction and call the debit card deduction interface to deduct the money. When deducting money, first determine whether the balance of the debit card can fully pay the toll, and then determine whether the deduction is successful. If the deduction fails, the advance payment channel will be used for full advance payment. If the deduction is successful, determine whether the deduction is in full. If the deduction is not in full, the user account will be deducted before the advance payment account. For debit cards, a new debit-to-loan contract function is added, that is, when the customer balance is not enough to pay the full amount, a new credit card function is added, allowing the credit card deduction mode to be used for fund settlement.

[0067] S240. At a preset deduction verification time node after the preset deduction request time node, verify the batch processing results of the deduction requests to determine whether each deduction request is successful.

[0068] S250: Perform advance payment processing for the unsuccessful deduction requests to complete the fee settlement corresponding to the unsuccessful deduction requests.

[0069] The technical solution of this embodiment is to obtain the deduction request initiated by the ETC fee requester and add the deduction request to the queue of pending requests; at the preset deduction request time node, perform information verification on the integrity of the deduction request business information and the corresponding business status in the deduction request to obtain the verification result; when the verification result indicates that the verification is successful, perform deduction processing according to the category of the payment account associated with the deduction request; at the preset deduction verification time node after the preset deduction request time node, verify the batch processing results of the deduction request to determine whether each deduction request is successful; and perform advance payment processing for the deduction requests that are not successfully deducted to complete the fee settlement corresponding to the deduction requests that are not successfully deducted. The technical solution of the embodiment of the present invention solves the problem of the complexity of the existing ETC fee accumulation and settlement process, can reduce the burden on the banking system, is flexible in the management of ETC fee settlement, and reduces the risk of real-time interaction.

[0070] Figure 4 This is a flowchart of an ETC fee settlement method provided in an embodiment of the present invention. This embodiment and the ETC fee settlement method in the above embodiment belong to the same inventive concept, and further illustrates the process of obtaining and processing a reversal or refund request. The method can be executed by an ETC fee settlement device, which can be implemented by software and / or hardware and integrated into a computer device with application development capabilities.

[0071] like Figure 4 As shown, the ETC fee settlement method of this embodiment includes the following steps:

[0072] S310: Obtain the deduction request initiated by the ETC fee requester, and add the deduction request to the pending request queue.

[0073] S320: At a preset deduction request time node, batch process the deduction requests in the request queue to be processed.

[0074] S330. At a preset deduction verification time node after the preset deduction request time node, verify the batch processing results of the deduction requests to determine whether each deduction request is successful.

[0075] S340: Perform advance payment processing for the unsuccessful deduction requests to complete the fee settlement corresponding to the unsuccessful deduction requests.

[0076] S350. Perform secondary settlement of advance payment according to the advance payment record of the advance payment process; when the secondary settlement is unsuccessful, mark the payment account corresponding to the advance payment record as a blacklist account.

[0077] When the deduction request is processed, the financial institution will perform secondary settlement and blacklist processing in batches according to the advance payment information table. Traverse the advance payment information to be processed, call the debit card deduction interface again to try to transfer the corresponding amount from the user's bank card to the bank's public account. If the deduction is successful, first determine whether the user is on the blacklist. If the user is on the blacklist, the user will be released and notified by SMS, otherwise only the user's debt record will be deleted. If the deduction fails or only part of the amount is deducted, the debt record will be updated first, and it will be determined whether the user is on the blacklist. If the user is on the blacklist, the operation will end. If not. Then determine whether the deduction time exceeds the agreed time by both parties (such as before 24:00 the next day after the advance payment). If it has not timed out, no operation will be performed. If it has timed out, the user will be added to the blacklist and notified by SMS. Each round of batch processing will process the debt record until the user pays off the debt in full.

[0078] S360. Within 24 hours of T day, obtain the transaction reversal request or refund request initiated by the ETC fee requester, and within 24 hours of T day and the first time period of T+1 day, perform corresponding business processing according to the transaction reversal request or refund request, and feedback the corresponding business request confirmation result to the ETC fee requester.

[0079] S370. In a second time period after the first time period, obtain the T-day reconciliation file of the ETC fee requester, and perform the transfer processing of the amount corresponding to the business request confirmation result at a preset time point after the second time period.

[0080] It should be noted that steps S360 and S370 have no strict time sequence requirements with the previous steps. The ETC fee requester can send a transaction correction request or a refund request to the financial system to correct the erroneous ETC fee settlement result when it finds that the deduction request it has issued is wrong, such as over-deduction or under-deduction.

[0081] In a specific example, Figure 5 The deduction request processing process is shown.

[0082] Among them, the issuer refers to the OBU equipment issuer (issuing agency), which sends the day's payment request and refund documents through the road network issuance platform from 00:00:00 to 24:00:00 on T day; the bank returns the payment request and refund documents issued by the issuer during 00:00:00-24:00:00 on T day and 00:00:00-06:00:00 on T+1 day; the issuer sends the reconciliation day-end file from 06:00:00 to 12:00:00 on T+1 day; the bank transfers the funds in the day-end file to the issuer through the accounting system at 14:00:00 on T+1 day.

[0083] The technical solution of this embodiment is to obtain the deduction request initiated by the ETC fee requester and add the deduction request to the pending request queue; batch process the deduction requests in the pending request queue at a preset deduction request time node; verify the batch processing results of the deduction request at a preset deduction verification time node after the preset deduction request time node to determine whether each deduction request is successful; advance payment processing is performed for the deduction request that has not been successfully deducted to complete the fee settlement corresponding to the deduction request that has not been successfully deducted; and advance payment secondary settlement is performed according to the advance payment record of the advance payment processing; When the secondary settlement is unsuccessful, the payment account corresponding to the advance payment record is marked as a blacklist account; within 24 hours of T day, the transaction reversal request or refund request initiated by the ETC fee requester is obtained, and within 24 hours of T day and the first time period of T+1 day, the corresponding business processing is performed according to the transaction reversal request or refund request, and the corresponding business request confirmation result is fed back to the ETC fee requester; in the second time period after the first time period, the T-day reconciliation file of the ETC fee requester is obtained, and the transfer processing of the amount corresponding to the business request confirmation result is performed at a preset time point after the second time period. The technical solution of the embodiment of the present invention solves the problem of the complexity of the existing ETC fee accumulation settlement process, can reduce the burden on the banking system, is flexible in the management of ETC fee settlement, and reduces the risk of real-time interaction.

[0084] Figure 6 A structural schematic diagram of an ETC fee clearing device provided for an embodiment of the present invention. This embodiment is applicable to scenarios where ETC fees are settled. The ETC fee clearing device can be implemented by software and / or hardware and integrated into a computer terminal device with application development capabilities.

[0085] like Figure 6 The ETC fee settlement device shown includes: a deduction request acquisition module 410, a deduction processing module 420, a deduction processing result verification module 430 and an advance payment processing module 440.

[0086] Among them, the deduction request acquisition module 410 is used to obtain the deduction request initiated by the ETC fee requester and add the deduction request to the pending request queue; the deduction processing module 420 is used to batch process the deduction requests in the pending request queue at a preset deduction request time node; the deduction processing result verification module 430 is used to verify the batch processing results of the deduction requests at a preset deduction verification time node after the preset deduction request time node to determine whether each deduction request is successful; the advance payment processing module 440 is used to advance payment processing for the deduction requests that have not been successfully deducted, so as to complete the fee settlement corresponding to the deduction requests that have not been successfully deducted.

[0087] The technical solution of this embodiment is to obtain the deduction request initiated by the ETC fee requester and add the deduction request to the pending request queue; at a preset deduction request time node, batch process the deduction requests in the pending request queue; at a preset deduction verification time node after the preset deduction request time node, verify the batch processing results of the deduction request to determine whether each deduction request is successful; advance payment is processed for the deduction requests that are not successfully deducted to complete the fee settlement corresponding to the deduction requests that are not successfully deducted. The technical solution of the embodiment of the present invention solves the problem of the complexity of the existing ETC fee accumulation and settlement process, can reduce the burden on the banking system, is flexible in the management of ETC fee settlement, and reduces the risk of real-time interaction.

[0088] In an optional implementation, the deduction processing module 420 is specifically used for:

[0089] Performing information verification on the integrity of the deduction request business information and the corresponding business status in the deduction request to obtain a verification result;

[0090] When the verification result indicates that the verification is successful, the deduction is processed according to the type of payment account associated with the deduction request; or, when the verification result indicates that the verification fails, the settlement rejection result is fed back to the ETC fee requester.

[0091] In an optional implementation, the deduction processing module 420 is specifically used for:

[0092] When the type of payment account is a credit card account, if the deduction amount corresponding to the deduction request is less than the credit limit of the credit card account, the full amount will be deducted; if the deduction amount is greater than the credit limit of the credit card account, the credit limit will be deducted from the credit card account and the difference will be paid in advance;

[0093] When the type of payment account is a debit card account, if the deduction amount corresponding to the deduction request is less than the balance of the debit card account, the full amount will be deducted; if the deduction amount is greater than the balance or the full amount deduction fails, the advance payment will be deducted from the preset advance payment account.

[0094] In an optional implementation, the deduction processing module 420 is specifically used for:

[0095] Parsing the deduction request business information in the request message of the deduction request;

[0096] Determine whether the deduction request business information includes all the preset necessary business information items to implement integrity verification of the deduction request business information;

[0097] Verify the consistency of the preset necessary business information items in the deduction request business information with the corresponding business information items in the corresponding deduction contract to achieve consistency verification of the payment request business information;

[0098] Determine whether the deduction account in the preset necessary business information item in the deduction request business information is in normal business status.

[0099] In an optional implementation, the ETC fee settlement device further includes a reversal and refund request processing module, which is used to:

[0100] Within 24 hours of T day, obtain the transaction reversal request or refund request initiated by the ETC fee requester, perform corresponding business processing according to the transaction reversal request or refund request within 24 hours of T day and the first time period of T+1 day, and feedback the corresponding business request confirmation result to the ETC fee requester;

[0101] In a second time period after the first time period, the T-day reconciliation file of the ETC fee requester is obtained, and the transfer of funds corresponding to the business request confirmation result is processed at a preset time point after the second time period.

[0102] In an optional implementation, the advance payment processing module 440 may also be used to:

[0103] Conduct secondary settlement of advance payment according to the advance payment record;

[0104] When the secondary settlement is unsuccessful, the payment account corresponding to the advance payment record will be marked as a blacklist account.

[0105] The ETC fee settlement device provided in the embodiment of the present invention can execute the ETC fee settlement method provided in any embodiment of the present invention, and has the corresponding functional modules and beneficial effects of the execution method.

[0106] Figure 7 A schematic diagram of the structure of a computer device provided in an embodiment of the present invention. Figure 7 A block diagram of an exemplary computer device 12 suitable for use in implementing embodiments of the present invention is shown. Figure 7 The computer device 12 shown is only an example and should not bring any limitation to the functions and scope of use of the embodiments of the present invention. The computer device 12 can be any terminal device with computing capabilities, such as an intelligent controller and server, a mobile phone and other terminal devices.

[0107] like Figure 7As shown, the computer device 12 is in the form of a general-purpose computing device. The components of the computer device 12 may include, but are not limited to: one or more processors or processing units 16, a system memory 28, and a bus 18 that connects various system components (including the system memory 28 and the processing unit 16).

[0108] Bus 18 represents one or more of several types of bus structures, including a memory bus or memory controller, a peripheral bus, an accelerated graphics port, a processor or a local bus using any of a variety of bus architectures. By way of example, these architectures include, but are not limited to, an Industry Standard Architecture (ISA) bus, a Micro Channel Architecture (MAC) bus, an Enhanced ISA bus, a Video Electronics Standards Association (VESA) local bus, and a Peripheral Component Interconnect (PCI) bus.

[0109] The computer device 12 typically includes a variety of computer system readable media. These media can be any available media that can be accessed by the computer device 12, including volatile and non-volatile media, removable and non-removable media.

[0110] The system memory 28 may include computer system readable media in the form of volatile memory, such as random access memory (RAM) 30 and / or cache memory 32. The computer device 12 may further include other removable / non-removable, volatile / non-volatile computer system storage media. By way of example only, the storage system 34 may be used to read and write non-removable, non-volatile magnetic media ( Figure 7 not shown, usually called a "hard drive"). Although Figure 7 Not shown in the figure, a disk drive for reading and writing to a removable non-volatile disk (e.g., a "floppy disk"), and an optical disk drive for reading and writing to a removable non-volatile optical disk (e.g., a CD-ROM, a DVD-ROM, or other optical media) may be provided. In these cases, each drive may be connected to the bus 18 via one or more data medium interfaces. The system memory 28 may include at least one program product having a set (e.g., at least one) of program modules that are configured to perform the functions of the various embodiments of the present invention.

[0111] A program / utility 40 having a set (at least one) of program modules 42 may be stored, for example, in system memory 28, such program modules 42 including, but not limited to, an operating system, one or more application programs, other program modules, and program data, each of which or some combination may include an implementation of a network environment. Program modules 42 generally perform the functions and / or methods of the embodiments described herein.

[0112] The computer device 12 may also communicate with one or more external devices 14 (e.g., keyboards, pointing devices, displays 24, etc.), one or more devices that enable a user to interact with the computer device 12, and / or any device that enables the computer device 12 to communicate with one or more other computing devices (e.g., network cards, modems, etc.). Such communication may be performed via an input / output (I / O) interface 22. Furthermore, the computer device 12 may also communicate with one or more networks (e.g., a local area network (LAN), a wide area network (WAN), and / or a public network, such as the Internet) via a network adapter 20. As shown, the network adapter 20 communicates with the other modules of the computer device 12 via the bus 18. It should be understood that although Figure 7 Not shown, other hardware and / or software modules may be used in conjunction with computer device 12, including but not limited to microcode, device drivers, redundant processing units, external disk drive arrays, RAID systems, tape drives, and data backup storage systems.

[0113] The processing unit 16 executes various functional applications and data processing by running the program stored in the system memory 28, for example, implementing the ETC fee settlement method provided in the embodiment of the present invention, which includes:

[0114] Obtain the deduction request initiated by the ETC fee requester and add the deduction request to the pending request queue;

[0115] At the preset deduction request time node, batch process the deduction requests in the pending request queue;

[0116] At a preset deduction verification time node after the preset deduction request time node, verify the batch processing results of the deduction request to determine whether each deduction request is successful;

[0117] Advance payment is made for unsuccessful deduction requests to complete the fee settlement corresponding to the unsuccessful deduction requests.

[0118] The embodiment of the present invention further provides a computer-readable storage medium on which a computer program is stored. When the program is executed by a processor, the ETC fee settlement method provided in any embodiment of the present invention is implemented. The method includes:

[0119] Obtain the deduction request initiated by the ETC fee requester and add the deduction request to the pending request queue;

[0120] At the preset deduction request time node, batch process the deduction requests in the pending request queue;

[0121] At a preset deduction verification time node after the preset deduction request time node, verify the batch processing results of the deduction request to determine whether each deduction request is successful;

[0122] Advance payment is made for unsuccessful deduction requests to complete the fee settlement corresponding to the unsuccessful deduction requests.

[0123] The computer storage medium of the embodiment of the present invention can adopt any combination of one or more computer-readable media. The computer-readable medium can be a computer-readable signal medium or a computer-readable storage medium. The computer-readable storage medium can be, for example, but not limited to: an electrical, magnetic, optical, electromagnetic, infrared, or semiconductor system, device or device, or any combination of the above. More specific examples (non-exhaustive list) of computer-readable storage media include: an electrical connection with one or more wires, a portable computer disk, a hard disk, a random access memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disk read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the above. In this document, a computer-readable storage medium can be any tangible medium containing or storing a program, which can be used by an instruction execution system, device or device or used in combination with it.

[0124] Computer-readable signal media may include data signals propagated in baseband or as part of a carrier wave, which carry computer-readable program code. Such propagated data signals may take a variety of forms, including but not limited to electromagnetic signals, optical signals, or any suitable combination of the above. Computer-readable signal media may also be any computer-readable medium other than a computer-readable storage medium, which may send, propagate, or transmit a program for use by or in conjunction with an instruction execution system, apparatus, or device.

[0125] The program code embodied on the computer readable medium may be transmitted using any appropriate medium, including but not limited to wireless, wireline, optical fiber cable, RF, etc., or any suitable combination of the foregoing.

[0126] Computer program code for performing the operation of the present invention may be written in one or more programming languages ​​or a combination thereof, including object-oriented programming languages ​​such as Java, Smalltalk, C++, and conventional procedural programming languages ​​such as "C" or similar programming languages. The program code may be executed entirely on the user's computer, partially on the user's computer, as a separate software package, partially on the user's computer and partially on a remote computer, or entirely on a remote computer or server. In the case of a remote computer, the remote computer may be connected to the user's computer through any type of network, including a local area network (LAN) or a wide area network (WAN), or may be connected to an external computer (e.g., via the Internet using an Internet service provider).

[0127] It should be understood by those skilled in the art that the modules or steps of the present invention described above can be implemented by a general-purpose computing device, they can be concentrated on a single computing device, or distributed on a network composed of multiple computing devices, optionally, they can be implemented by a program code executable by a computer device, so that they can be stored in a storage device and executed by the computing device, or they can be made into individual integrated circuit modules, or multiple modules or steps therein can be made into a single integrated circuit module for implementation. Thus, the present invention is not limited to any specific combination of hardware and software.

[0128] The embodiments of the present disclosure also provide a computer program product, including a computer program, which, when executed by a processor, implements the ETC fee settlement method provided in any embodiment of the present disclosure.

[0129] In the process of implementation, the computer program product can be written in one or more programming languages ​​or a combination thereof to perform the computer program code for the disclosed operation, including object-oriented programming languages, such as Java, Smalltalk, C++, and conventional procedural programming languages, such as "C" language or similar programming languages. The program code can be executed entirely on the user's computer, partially on the user's computer, as a separate software package, partially on the user's computer and partially on a remote computer, or entirely on a remote computer or server. In the case of a remote computer, the remote computer can be connected to the user's computer through any type of network, including a local area network (LAN) or a wide area network (WAN), or can be connected to an external computer (e.g., using an Internet service provider to connect through the Internet).

[0130] Note that the above are only preferred embodiments of the present invention and the technical principles used. Those skilled in the art will understand that the present invention is not limited to the specific embodiments described herein, and that various obvious changes, readjustments and substitutions can be made by those skilled in the art without departing from the scope of protection of the present invention. Therefore, although the present invention has been described in more detail through the above embodiments, the present invention is not limited to the above embodiments, and may include more other equivalent embodiments without departing from the concept of the present invention, and the scope of the present invention is determined by the scope of the appended claims.

Claims

1. An ETC fee settlement method, characterized in that: include: Obtain the deduction request initiated by the ETC fee requester, and add the deduction request to the pending request queue; At a preset deduction request time node, batch processing the deduction requests in the pending request queue; At a preset deduction verification time node after the preset deduction request time node, verifying the batch processing results of the deduction requests to determine whether the deductions for each of the deduction requests are successful; An advance payment process is performed for unsuccessful deduction requests to complete the fee settlement corresponding to the unsuccessful deduction requests.

2. The method according to claim 1, characterized in that: The batch processing of the deduction requests in the pending request queue includes: Performing information verification on the integrity of the deduction request business information and the corresponding business status in the deduction request to obtain a verification result; When the verification result indicates that the verification is successful, the deduction process is performed according to the type of payment account associated with the deduction request; or, when the verification result indicates that the verification fails, the settlement rejection process result is fed back to the ETC fee requester.

3. The method according to claim 2, characterized in that The deduction processing according to the type of the payment account associated with the deduction request includes: When the type of the payment account is a credit card account, if the deduction amount corresponding to the deduction request is less than the credit limit of the credit card account, the full amount is deducted; if the deduction amount is greater than the credit limit of the credit card account, the credit card account is deducted according to the credit limit and the difference is paid in advance; When the type of the payment account is a debit card account, if the deduction amount corresponding to the deduction request is less than the balance of the debit card account, the full amount will be deducted; if the deduction amount is greater than the balance or the full amount deduction fails, an advance payment will be made from a preset advance payment account.

4. The method according to claim 2, characterized in that: The information verification of the integrity of the deduction request business information in the deduction request and the corresponding business status includes: Parsing the deduction request business information in the request message of the deduction request; Determine whether the deduction request business information includes all preset necessary business information items to implement integrity verification of the deduction request business information; Verify the consistency of the preset necessary business information items in the deduction request business information with the corresponding business information items in the corresponding deduction contract to achieve consistency verification of the payment request business information; Determine whether the deduction account in the preset necessary business information item in the deduction request business information is in a normal business status.

5. The method according to claim 1, characterized in that The method further comprises: Within 24 hours of day T, obtain the transaction reversal request or refund request initiated by the ETC fee requester, perform corresponding business processing according to the transaction reversal request or refund request within the first time period of 24 hours of day T and day T+1, and feedback the corresponding business request confirmation result to the ETC fee requester; In a second time period after the first time period, the T-day reconciliation file of the ETC fee requester is obtained, and the transfer of funds corresponding to the business request confirmation result is processed at a preset time point after the second time period.

6. The method according to claim 1, characterized in that The method further comprises: Conduct secondary settlement of advance payment according to the advance payment record of the advance payment process; When the secondary settlement is unsuccessful, the payment account corresponding to the advance payment record is marked as a blacklist account.

7. An ETC fee settlement device, characterized in that: include: A deduction request acquisition module, used to acquire a deduction request initiated by an ETC fee requester, and add the deduction request to a queue of pending requests; A deduction processing module, used for batch processing the deduction requests in the pending request queue at a preset deduction request time node; A deduction processing result verification module, used to verify the batch processing results of the deduction requests at a preset deduction verification time node after the preset deduction request time node, to determine whether the deduction of each deduction request is successful; The advance payment processing module is used to perform advance payment processing for deduction requests that have not been successfully deducted, so as to complete the fee settlement corresponding to the deduction requests that have not been successfully deducted.

8. A computer device, characterized in that: The computer device comprises: one or more processors; A memory for storing one or more programs; When the one or more programs are executed by the one or more processors, the one or more processors implement the ETC fee settlement method as described in any one of claims 1-6.

9. A computer-readable storage medium having a computer program stored thereon, characterized in that: When the program is executed by a processor, the ETC fee settlement method as described in any one of claims 1-6 is implemented.

10. A computer program product, comprising a computer program, characterized in that When the computer program is executed by a processor, the computer program implements the ETC fee settlement method as described in any one of claims 1 to 6.

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