ETC lane digital RMB non-inductive payment method and system

By enabling online or offline transactions through the ETC lane toll collection system and the digital RMB transaction module of the on-board unit, transaction records are generated and uploaded to the settlement system, solving the problems of high costs and insufficient scenario coverage caused by the ETC system's reliance on third-party payment and realizing contactless payment.

CN120932314APending Publication Date: 2025-11-11BEIJING YILUHANG TECH CO LTD +1
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Patent Information

Application Number
CN202510960364.2
Authority / Receiving Office
CN · China
Patent Type
Applications(China)
Current Assignee / Owner
Filing Date
2025-07-11
Publication Date
2025-11-11

AI Technical Summary

Technical Problem

The existing ETC system relies on third-party payment channels, resulting in high operating costs, only supporting online transactions, insufficient scenario coverage, and the digital RMB is not deeply integrated with the ETC system, making it impossible to achieve truly seamless payment.

Method used

The system establishes a communication connection between the roadside lane toll collection system and the on-board unit, and uses the digital RMB transaction module to conduct online or offline transactions, generate transaction records and upload them to the settlement system. It is compatible with existing ETC devices and supports contactless digital RMB payment.

Benefits of technology

It reduces operating costs, supports online and offline transactions, covers weak network scenarios, and enables seamless digital RMB payment in ETC lanes, solving the problems of high payment costs and insufficient scenario coverage of existing technologies.

✦ Generated by Eureka AI based on patent content.

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Abstract

The invention provides an ETC lane digital RMB non-inductive payment method and system. The ETC lane digital RMB non-inductive payment method comprises the steps that DSRC communication connection is established between a roadside lane toll collection system and a vehicle-mounted unit with a built-in digital RMB transaction module; reading vehicle information and digital RMB module data to complete transaction initialization; dynamically selecting an online or offline transaction mode according to the network state of the roadside lane toll collection system; executing a digital RMB transaction instruction through a TransferChannel instruction transmitted in a framing manner, generating a transaction record containing a digital RMB identifier, and uploading the transaction record to a settlement system; and when the digital RMB transaction fails, the mode is automatically switched to the ETC transaction mode. According to the invention, ETC lane digital RMB non-inductive payment can be realized, the operation cost is reduced, online and offline transactions are supported to cover a weak network scene, and smooth upgrade is realized by being compatible with an existing ETC data format.
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Description

Technical Field

[0001] This invention relates to the field of highway toll collection technology, and in particular to a method and system for contactless digital RMB payment in ETC lanes. Background Technology

[0002] With the rapid development of my country's expressway network, Electronic Toll Collection (ETC) technology has become an important means to improve traffic efficiency and alleviate congestion at toll stations.

[0003] Currently, the ETC system primarily relies on bank accounts or third-party payment platforms (such as Alipay and WeChat Pay) for settlement. While this achieves seamless payment, it still has certain limitations. First, traditional payment methods depend on banks or third-party channels, involving transaction fees and increasing costs for highway operators. Second, inter-institutional settlement cycles are lengthy, affecting the efficiency of fund transfers. Furthermore, the existing ETC system only supports online transactions, which may result in transaction failures in areas with poor network signals (such as remote mountainous areas or tunnels), impacting user experience.

[0004] The digital yuan (e-CNY), as the legal digital currency issued by the People's Bank of China, has the characteristics of "payment is settlement", no transaction fees, and support for dual offline transactions, providing a better solution for highway toll collection.

[0005] However, due to limitations in technological compatibility, offline payment challenges, and the high difficulty of system transformation, the application of digital yuan in the transportation sector has not yet been deeply integrated with the ETC system, and a mature "ETC + digital yuan" contactless payment solution is lacking. Some pilot programs have attempted to add digital yuan QR code payment to manual lanes, but this still requires vehicles to stop, failing to leverage the non-stop advantage of ETC.

[0006] Therefore, there is an urgent need for a technical solution that is compatible with the existing ETC system and supports online / offline transactions of digital RMB, so as to promote the application of digital RMB in the field of smart transportation. Summary of the Invention

[0007] In view of this, embodiments of the present invention provide a digital RMB contactless payment method and system for ETC lanes to eliminate or improve one or more defects in the prior art, and solve the problems of high operating costs due to the reliance on third-party payment channels and the resulting transaction fees, insufficient coverage of scenarios as it only supports online transactions, and the fact that digital RMB is not deeply integrated with the ETC system, requiring parking and scanning codes, thus failing to achieve truly contactless payment.

[0008] On one hand, this invention provides a method for contactless payment of digital RMB in ETC lanes. The method involves a transaction process initiated by a roadside lane toll system equipped with digital RMB transaction functionality, including:

[0009] A communication connection is established with the on-board unit entering the ETC exit lane via a dedicated short-range communication interface; the on-board unit is equipped with a digital RMB account wallet application file and a digital RMB transaction module.

[0010] Read the vehicle information from the on-board unit and the data from the digital RMB transaction module to initialize the transaction;

[0011] The TransferChannel command, transmitted in frames, interacts with the digital RMB transaction module to complete the digital RMB transaction and generate a digital RMB transaction record.

[0012] The digital RMB transaction records are uploaded to the settlement system to complete the fund settlement process.

[0013] In some embodiments of the present invention, reading the vehicle information of the vehicle-mounted unit and the data of the digital RMB transaction module to perform transaction initialization includes:

[0014] Verify the vehicle's identity based on the vehicle information; determine whether the transaction is online or offline; and calculate the toll amount to be deducted.

[0015] In some embodiments of the present invention, the method further includes:

[0016] If the roadside lane toll system is connected to the network, and the online transaction mode is selected, the roadside lane toll system will conduct online digital RMB transactions with the digital RMB back-end system to complete real-time deductions and generate digital RMB transaction records.

[0017] If the roadside lane toll collection system is offline, it selects the offline transaction or delayed payment mode. The roadside lane toll collection system and the vehicle unit conduct offline RMB transactions; generate a transaction voucher with an offline signature and temporarily store it locally; after the network is restored, the roadside lane toll collection system uploads the transaction voucher to the digital RMB backend for verification, and receives the verification result to generate the digital RMB transaction record.

[0018] In some embodiments of the present invention, generating digital RMB transaction records includes:

[0019] In the data structure of the digital RMB transaction record, the medium type field is set to a predefined digital RMB identifier value; the transaction type field is set to a cash transaction type value.

[0020] In some embodiments of the present invention, when a digital RMB transaction failure or communication interruption is detected after executing a digital RMB composite consumption instruction, the method further includes:

[0021] The current digital RMB transaction process is suspended, and all generated temporary transaction data is cleared.

[0022] Switch to ETC transaction mode, read the ETC wallet information of the on-board unit through the dedicated short-range communication interface; execute the ETC transaction process and generate an ETC transaction record;

[0023] The ETC transaction records are uploaded to the settlement system to complete the fund settlement process.

[0024] In some embodiments of the present invention, prior to the method, the compatibility data format of the vehicle-mounted unit is set, including:

[0025] Set the contract version field in the system information file of the vehicle unit to a preset value to identify that the vehicle unit supports digital RMB transactions.

[0026] Set the card version field in the card issuance basic data file of the vehicle unit to the preset value, and define the deduction method field as the deduction of the digital RMB account wallet.

[0027] In some embodiments of the present invention, data interaction with the digital RMB transaction module is performed via TransferChannel commands transmitted in frames, including:

[0028] Read the 0002 and 0019 files of the IC card in the vehicle unit to obtain the toll information of the vehicle unit;

[0029] Select the EF04 file and read the specified bytes of data to obtain the billing information for this transaction;

[0030] The digital RMB transaction instruction is initialized and the consumption information is written to the 0019 file.

[0031] Execute digital RMB transaction instructions and complete the currency-to-string interaction;

[0032] Clear the billing information for this transaction from the EF04 file.

[0033] On the other hand, the present invention also provides a digital RMB contactless payment system for ETC lanes, the system comprising:

[0034] The vehicle-mounted unit integrates the digital RMB account wallet application file and digital RMB transaction module, and supports communication with the roadside lane toll system via a dedicated short-range communication interface;

[0035] The roadside lane toll collection system is used to perform the steps of implementing the method as described in any one of claims 1 to 7;

[0036] The settlement system is used to settle the digital RMB transaction records uploaded by the roadside lane toll system.

[0037] In some embodiments of the present invention, the vehicle-mounted unit has a dual-chip structure, including an OBU host and a pluggable IC card, and the digital RMB transaction module is integrated into the IC card;

[0038] Alternatively, the vehicle-mounted unit may be a single-chip structure, with the digital RMB transaction module and the ETC transaction module integrated into the same chip.

[0039] In some embodiments of the present invention, the roadside lane toll collection system includes a digital RMB processing unit, a lane computer, and a roadside unit. The digital RMB processing unit is integrated into the lane computer in the form of a software development kit; or, in the form of a dynamic link library, for the lane computer to call; or, in the form of a secure access module, physically connected to the lane computer.

[0040] This invention provides a method and system for contactless digital RMB payment in ETC lanes, comprising: establishing a DSRC communication connection between a roadside lane toll collection system and an on-board unit (OBU) with a built-in digital RMB transaction module; reading vehicle information and digital RMB module data to complete transaction initialization; conducting digital RMB transactions with the digital RMB transaction module of the OBU via frame-transmitted TransferChannel commands, generating a transaction record containing a digital RMB identifier and uploading it to the settlement system; and automatically switching to ETC transaction mode when the digital RMB transaction fails. The system includes an OBU, a roadside lane toll collection system, and a settlement system. The OBU can be a dual-chip or single-chip OBU hardware architecture. The roadside lane toll collection system includes a digital RMB processing unit, a lane computer, and a roadside unit. This invention enables contactless digital RMB payment in ETC lanes, reduces operating costs, supports online and offline transactions to cover weak network scenarios, and is compatible with existing ETC devices and systems, solving the problems of high payment costs, insufficient scenario coverage, and technological fragmentation in existing technologies.

[0041] Additional advantages, objects, and features of the invention will be set forth in part in the description which follows, and will also become apparent in part to those skilled in the art upon studying the description, or may be learned by practice of the invention. The objects and other advantages of the invention can be realized and obtained by means of the structures specifically pointed out in the description and drawings.

[0042] Those skilled in the art will understand that the objectives and advantages achievable with the present invention are not limited to those specifically described above, and that the above and other objectives achievable with the present invention will become clearer from the following detailed description. Attached Figure Description

[0043] The accompanying drawings, which are included to provide a further understanding of the invention and form part of this application, are not intended to limit the scope of the invention. In the drawings:

[0044] Figure 1 This is a schematic diagram illustrating the steps of a digital RMB contactless payment method for ETC lanes in an embodiment of the present invention.

[0045] Figure 2 This is a flowchart illustrating the ETC lane digital RMB contactless payment method in one embodiment of the present invention. Detailed Implementation

[0046] To make the objectives, technical solutions, and advantages of this invention clearer, the invention will be further described in detail below with reference to the embodiments and accompanying drawings. Here, the illustrative embodiments and descriptions of this invention are used to explain the invention, but are not intended to limit the invention.

[0047] It should also be noted that, in order to avoid obscuring the invention with unnecessary details, only the structures and / or processing steps closely related to the solution according to the invention are shown in the accompanying drawings, while other details that are not closely related to the invention are omitted.

[0048] It should be emphasized that the term "including / comprises" as used herein refers to the presence of a feature, element, step, or component, but does not exclude the presence or addition of one or more other features, elements, steps, or components.

[0049] It should also be noted that, unless otherwise specified, the term "connection" in this article can refer not only to a direct connection, but also to an indirect connection involving an intermediary.

[0050] In the following description, embodiments of the invention will be illustrated with reference to the accompanying drawings. In the drawings, the same reference numerals represent the same or similar parts, or the same or similar steps.

[0051] It should be emphasized here that the step markers mentioned below are not a limitation on the order of the steps, but should be understood as meaning that the steps can be executed in the order mentioned in the embodiments, or in a different order than in the embodiments, or several steps can be executed simultaneously.

[0052] To address the issues of high operating costs, insufficient scenario coverage, and technological fragmentation in existing technologies, this invention provides a method for contactless digital RMB payment in ETC lanes. This method initiates the transaction process from the roadside lane toll system, such as... Figure 1 As shown, the method includes the following steps S101 to S104:

[0053] Step S101: Establish a communication connection with the on-board unit entering the ETC exit lane via a dedicated short-range communication interface. The on-board unit contains a digital RMB account wallet application file and a digital RMB transaction module.

[0054] Step S102: Read the vehicle information from the on-board unit and the data from the digital RMB transaction module to initialize the transaction.

[0055] Step S103: Interact with the digital RMB transaction module of the vehicle unit through the TransferChannel command transmitted in frames to complete the digital RMB transaction and generate a digital RMB transaction record.

[0056] Step S104: Upload the digital RMB transaction records to the settlement system to complete the fund settlement process.

[0057] like Figure 2 The diagram shows a flowchart of the digital RMB contactless payment method for ETC lanes.

[0058] In some embodiments, before implementing the ETC lane digital RMB contactless payment method, data format pre-configuration is performed, including:

[0059] Set the contract version field in byte 10 of the system information file of the vehicle unit to a preset value, such as 0x55, to indicate that the vehicle unit supports digital RMB transactions. The modified system information file is shown in Table 1.

[0060] Table 1. Description of Onboard Unit System Information Files

[0061]

[0062] Set the card version field in byte 10 of the IC card issuance basic data file of the vehicle unit to a preset value, such as 0x55, and define the deduction method field in byte 47 as 0xA1 - digital RMB account wallet deduction; other - OBE - IC wallet deduction. The modified card issuance basic data file is shown in Table 2.

[0063] Table 2. Description of Basic Data Files for Card Issuance

[0064]

[0065]

[0066] In step S101, the vehicle enters the ETC exit lane, and the roadside lane toll collection system establishes a communication connection with the vehicle's on-board unit through a Dedicated Short Range Communications (DSRC) interface.

[0067] Specifically, when a vehicle enters the ETC exit lane, the 5.8GHz DSRC antenna of the roadside lane toll collection system transmits a BST wake-up signal to the on-board unit. The on-board unit then replies with a VST (Vehicle Service Table) frame, returning on-board unit information. The roadside lane toll collection system includes a digital RMB processing unit, a lane computer, and a roadside unit.

[0068] In some embodiments, the roadside unit sends authentication information (getSecure data frame) to the vehicle-mounted unit, and the vehicle-mounted unit returns an authentication code. After successful authentication, the roadside unit establishes a communication connection with the vehicle-mounted unit.

[0069] In step S102, the vehicle information of the on-board unit and the data of its digital RMB transaction module are read to initialize the transaction.

[0070] In some embodiments, vehicle information such as license plate number, license plate color, and deduction method is read from file 0015 of the IC card issuance basic data file of the vehicle unit, and billing information is read from file EF04 of the vehicle unit.

[0071] In some embodiments, transaction initialization is performed based on the read information data, including verifying the legality of the vehicle, determining whether the transaction is online or offline, and calculating the toll amount.

[0072] In step S103, the TransferChannel command transmitted in frames interacts with the digital RMB transaction module to execute digital RMB transaction instructions and generate digital RMB transaction records.

[0073] In some embodiments, if the roadside lane toll collection system is in a normal network connection state, the online transaction mode is selected. The roadside lane toll collection system conducts online digital RMB transactions with the digital RMB back-end system. The online digital RMB transaction information typically includes information such as the digital RMB account wallet ID, transaction amount, and timestamp.

[0074] In this embodiment, the dedicated short-range communication data format and process between the roadside lane toll collection system and the on-board unit are consistent with the existing ETC communication, using the TransferChannel instruction format. However, considering the large amount of interactive data in digital RMB transactions, multiple TransferChannel frames are used for interaction, and finally, a digital RMB transaction record is generated.

[0075] If the roadside lane toll collection system is detected to be offline, an offline transaction or delayed payment mode will be selected, and the roadside lane toll collection system will conduct offline RMB transactions with the on-board unit. As mentioned above, the dedicated short-range communication data format and process between the roadside lane toll collection system and the on-board unit are consistent with the existing ETC communication, and the digital RMB transaction verification code is generated by the local digital RMB processing unit in the roadside lane toll collection system.

[0076] After an offline RMB transaction is completed, the roadside lane toll collection system generates a transaction voucher with an offline signature and temporarily stores it locally. Once the network is restored, the transaction voucher is uploaded to the digital RMB backend for verification. After successful verification, a digital RMB transaction record is generated.

[0077] In some embodiments, in order to be compatible with the existing ETC system settlement method, after the ETC exit lane toll system recognizes the non-stop digital RMB transaction, it records it as "ETC exit to cash transaction". The subsequent clearing and settlement process of this transaction record is consistent with the existing system, which can reduce the system deployment and transformation costs.

[0078] Specifically, the on-board unit (OBU) can be identified by setting its version number and medium type to indicate that it has digital RMB transaction functionality. For example, the OBU version number can be set to 55, and a new value of "5" can be added to the "mediaType" field in the transaction record to identify the medium as digital RMB. The existing values ​​for the mediaType field include 1, 2, 3, and 9, where 1 represents a regular on-board unit (OBU), 2 represents a composite access card (CPC card), 3 represents paper vouchers, and 9 represents no access medium.

[0079] In some embodiments, if a digital RMB transaction failure or communication interruption is detected, the method further includes: suspending the current digital RMB transaction process and clearing the generated temporary transaction data; switching to ETC transaction mode, reading the ETC wallet information of the on-board unit through a dedicated short-range communication interface, executing the standard ETC transaction process, and generating an ETC transaction record.

[0080] In some embodiments, if an abnormal state such as no card in the vehicle unit, removal, or expired user information is encountered, the existing lane abnormal situation handling process is executed.

[0081] In some embodiments, the roadside lane toll collection system interacts with the digital RMB transaction module via the TransferChannel command transmitted in frames, specifically including the following steps S1031 to S1035:

[0082] Step S1031: Read the transaction record file (file 0019) and the digital RMB wallet balance file (text 0002). Step S1032: Read specific fields from the EF04 file to obtain the billing information for this transaction.

[0083] Step S1033: Initialize the digital RMB transaction instructions and update the transaction record file (file 0019).

[0084] Step S1034: Execute the digital RMB transaction instruction and complete the coin-to-string interaction.

[0085] Step S1035: Clear the billing information for this transaction from the EF04 file.

[0086] In step S105, the digital RMB transaction record generated in step S104 is uploaded to the settlement system to complete the fund settlement process.

[0087] Corresponding to the ETC lane digital RMB contactless payment method, the present invention also provides an ETC lane digital RMB contactless payment system, the system comprising:

[0088] The vehicle-mounted unit integrates a digital RMB account wallet application file and a digital RMB transaction module, and supports communication with the roadside lane toll system via a dedicated short-range communication interface.

[0089] The roadside lane toll collection system includes a digital RMB processing unit, a lane computer, and a roadside unit, which is used to conduct digital RMB transactions with the on-board unit, generate digital RMB transaction records, and upload them to the settlement system.

[0090] The settlement system is used to settle digital RMB transaction records uploaded by the roadside lane toll collection system.

[0091] In some embodiments, the on-board unit has a dual-chip structure, including an OBU host and a pluggable IC card, wherein the digital RMB transaction module is integrated into the IC card. Alternatively, the on-board unit has a single-chip structure, with the digital RMB transaction module and the ETC transaction module integrated into the same chip.

[0092] In some embodiments, since the on-board unit integrates a digital RMB transaction module, ETC initialization and digital RMB initialization need to be performed separately when the on-board unit is issued. When the on-board unit leaves the factory, the initial modes of the key systems for both transactions are pre-set in the card issuance basic data file.

[0093] In some embodiments, the digital RMB processing unit of the roadside lane toll system is integrated into the lane computer in the form of a software development kit (SDK); or, in the form of a dynamic link library (DLL), for the lane computer to call; or, in the form of a secure access module (PSAM), physically connected to the lane computer.

[0094] Corresponding to the above method, the present invention also provides an electronic device including a computer device, the computer device including a processor and a memory, the memory storing computer instructions, the processor executing the computer instructions stored in the memory, and when the computer instructions are executed by the processor, the electronic device performs the steps of the method as described above.

[0095] This invention also provides a computer-readable storage medium storing a computer program thereon, which, when executed by a processor, implements the steps of the aforementioned method. The computer-readable storage medium may be a tangible storage medium, such as random access memory (RAM), main memory, read-only memory (ROM), electrically programmable ROM, electrically erasable programmable ROM, register, floppy disk, hard disk, removable storage disk, CD-ROM, or any other form of storage medium known in the art.

[0096] Those skilled in the art will understand that the exemplary components, systems, and methods described in conjunction with the embodiments disclosed herein can be implemented in hardware, software, or a combination of both. Whether implemented in hardware or software depends on the specific application and design constraints of the technical solution. Those skilled in the art can use different methods to implement the described functions for each specific application, but such implementation should not be considered beyond the scope of this invention. When implemented in hardware, it can be, for example, electronic circuits, application-specific integrated circuits (ASICs), appropriate firmware, plug-ins, function cards, etc. When implemented in software, the elements of this invention are programs or code segments used to perform the desired tasks. The programs or code segments can be stored in a machine-readable medium or transmitted over a transmission medium or communication link via data signals carried in a carrier wave.

[0097] It should be clarified that the present invention is not limited to the specific configurations and processes described above and shown in the figures. For the sake of brevity, detailed descriptions of known methods are omitted here. In the above embodiments, several specific steps are described and shown as examples. However, the method process of the present invention is not limited to the specific steps described and shown. Those skilled in the art can make various changes, modifications, and additions, or change the order of steps, after understanding the spirit of the present invention.

[0098] In this invention, features described and / or illustrated for one embodiment may be used in the same or similar manner in one or more other embodiments, and / or combined with or in place of features of other embodiments.

[0099] The above description is merely a preferred embodiment of the present invention and is not intended to limit the present invention. For those skilled in the art, various modifications and variations of the embodiments of the present invention are possible. Any modifications, equivalent substitutions, improvements, etc., made within the spirit and principles of the present invention should be included within the protection scope of the present invention.

Claims

1. A method for contactless digital RMB payment in ETC lanes, characterized in that, The method involves a transaction process initiated by the roadside lane toll collection system, including: A communication connection is established with the on-board unit entering the ETC exit lane via a dedicated short-range communication interface; the on-board unit is equipped with a digital RMB account wallet application file and a digital RMB transaction module. Read the vehicle information from the on-board unit and the data from the digital RMB transaction module to initialize the transaction; The TransferChannel command, transmitted in frames, interacts with the digital RMB transaction module to complete the digital RMB transaction and generate a digital RMB transaction record. The digital RMB transaction records are uploaded to the settlement system to complete the fund settlement process.

2. The ETC lane digital RMB contactless payment method according to claim 1, characterized in that, Reading the vehicle information from the on-board unit and the data from the digital RMB transaction module to perform transaction initialization includes: Verify the vehicle's identity based on the vehicle information; determine whether the transaction is online or offline; and calculate the toll amount to be deducted.

3. The ETC lane digital RMB contactless payment method according to claim 1, characterized in that, The method further includes: If the roadside lane toll system is connected to the network, and the online transaction mode is selected, the roadside lane toll system will conduct online digital RMB transactions with the digital RMB back-end system to complete real-time deductions and generate digital RMB transaction records. If the roadside lane toll collection system is offline, it selects the offline transaction or delayed payment mode. The roadside lane toll collection system and the vehicle unit conduct offline RMB transactions; generate a transaction voucher with an offline signature and temporarily store it locally; after the network is restored, the roadside lane toll collection system uploads the transaction voucher to the digital RMB backend for verification, and receives the verification result to generate the digital RMB transaction record.

4. The ETC lane digital RMB contactless payment method according to claim 1, characterized in that, Generate digital RMB transaction records, including: In the data structure of the digital RMB transaction record, the medium type field is set to a predefined digital RMB identifier value; the transaction type field is set to a cash transaction type value.

5. The ETC lane digital RMB contactless payment method according to claim 1, characterized in that, When a digital RMB transaction fails or communication is interrupted after executing a digital RMB composite consumption instruction, the following also applies: The current digital RMB transaction process is suspended, and all generated temporary transaction data is cleared. Switch to ETC transaction mode, read the ETC wallet information of the on-board unit through the dedicated short-range communication interface; execute the ETC transaction process and generate an ETC transaction record; The ETC transaction records are uploaded to the settlement system to complete the fund settlement process.

6. The ETC lane digital RMB contactless payment method according to claim 1, characterized in that, Prior to the method, the compatibility data format of the vehicle-mounted unit is set, including: Set the contract version field in the system information file of the vehicle unit to a preset value to identify that the vehicle unit supports digital RMB transactions. Set the card version field in the card issuance basic data file of the vehicle unit to the preset value, and define the deduction method field as the deduction of the digital RMB account wallet.

7. The ETC lane digital RMB contactless payment method according to claim 1, characterized in that, Data interaction with the digital RMB transaction module is achieved through TransferChannel commands transmitted in frames, including: Read the 0002 and 0019 files of the IC card in the vehicle unit to obtain the toll information of the vehicle unit; Select the EF04 file and read the specified bytes of data to obtain the billing information for this transaction; The digital RMB transaction instruction is initialized and the consumption information is written to the 0019 file. Execute digital RMB transaction instructions and complete the currency-to-string interaction; Clear the billing information for this transaction from the EF04 file.

8. A contactless digital RMB payment system for ETC lanes, characterized in that, The system includes: The vehicle-mounted unit integrates the digital RMB account wallet application file and digital RMB transaction module, and supports communication with the roadside lane toll system via a dedicated short-range communication interface; The roadside lane toll collection system is used to perform the steps of implementing the method as described in any one of claims 1 to 7; The settlement system is used to settle the digital RMB transaction records uploaded by the roadside lane toll system.

9. The ETC lane digital RMB contactless payment system according to claim 8, characterized in that, The vehicle-mounted unit has a dual-chip structure, including an OBU host and a pluggable IC card, and the digital RMB transaction module is integrated into the IC card; Alternatively, the vehicle-mounted unit may be a single-chip structure, with the digital RMB transaction module and the ETC transaction module integrated into the same chip.

10. The ETC lane digital RMB contactless payment system according to claim 8, characterized in that, The roadside lane toll collection system includes a digital RMB processing unit, a lane computer, and a roadside unit. The digital RMB processing unit is integrated into the lane computer in the form of a software development kit; or, in the form of a dynamic link library, for the lane computer to call; or, in the form of a secure access module, physically connected to the lane computer.