Highway toll collection method based on digital renminbi soft wallet, communication system and server

Abstract

The application relates to the fields of communication and computer technology, in particular to a highway toll collection method based on a digital renminbi soft wallet, a communication system and a server, when a vehicle is located at a toll entrance, a toll server acquires a vehicle identifier collected by a toll entrance electronic device to record a first position currently located by the vehicle; the toll server sends the vehicle identifier to a platform server, the platform server queries an account balance of a corresponding digital renminbi soft wallet from a bank server; when the vehicle is located at a toll exit, the toll server acquires a vehicle identifier collected by a toll exit electronic device to record a second position currently located by the vehicle, determines a to-be-settled toll of a toll road section passed by the vehicle according to the first position and the second position, and decides to release the vehicle or intercept the vehicle according to a comparison result of the account balance and the to-be-settled toll, thereby effectively avoiding a bad account risk caused by an insufficient account balance and improving toll collection reliability and efficiency.

Description

Technical Field

[0001] This application relates to the fields of communication and computer technology, and in particular to a highway toll collection method, communication system and server based on a digital RMB soft wallet. Background Technology

[0002] With the widespread adoption of the "mobile phone+" cardless toll collection model on highways, vehicles can pass through by scanning a code or using license plate recognition, allowing for "pay later" passage. However, this model is prone to issues such as insufficient user account balances leading to failed deductions and bad debts, thus harming the legitimate rights and interests of highway operators. Current technology lacks an effective mechanism for real-time verification and control of user payment ability during passage, failing to ensure sufficient funds in the account to cover tolls before release, making it difficult to control bad debt risks at the source. Especially in scenarios relying on post-transfer deductions, if user account balances are insufficient or the willingness to pay is lacking, highway operators face significant risks to fund recovery and operational losses. Summary of the Invention

[0003] In response to the technical problems mentioned in the background, this application provides a highway toll collection method, communication system, and server based on a digital RMB soft wallet.

[0004] Firstly, this application provides a highway toll collection method based on a digital RMB soft wallet. A bank server stores the user's identity information and the registration relationship between the user's digital RMB soft wallet; the user's vehicle identifier and the digital RMB soft wallet are pre-mapped, and this mapping relationship is stored in a platform server; the platform server interacts with the toll collection server of the toll road segment; wherein, the toll road segment includes at least a toll entrance, a toll exit, and the section between the toll entrance and the toll exit;

[0005] The method includes: S1: When the vehicle is located at the toll gate, the toll server obtains the vehicle identifier of the vehicle collected by the electronic device at the toll gate to record the current first location of the vehicle; S2: When the vehicle is located in the toll road section, the toll server sends the vehicle's vehicle identifier to the platform server, and the platform server queries the bank server for the account balance of the digital RMB soft wallet corresponding to the vehicle identifier; S3: When the vehicle is located at the toll exit, the toll server obtains the vehicle identifier collected by the electronic device at the toll exit to record the second location of the vehicle, and determines the toll fee to be settled for the vehicle passing through the toll section based on the first location and the second location, and decides to release the vehicle or intercept the vehicle based on the comparison result between the account balance and the toll fee to be settled.

[0006] In one possible implementation of the first aspect, step S3 includes: If the toll fee to be settled is less than the account balance when the vehicle is at the toll exit, the toll server sends a fund deduction request to the platform server, which then forwards the fund deduction request to the bank server, which deducts the funds corresponding to the toll fee from the digital RMB soft wallet.

[0007] In one possible implementation of the first aspect, if the toll to be settled is less than the account balance when the vehicle is at the toll exit, the toll server controls the electronic equipment at the toll exit to allow the vehicle to pass. The charging server sends a fund deduction request to the platform server, which then forwards the fund deduction request to the bank server, which deducts the funds corresponding to the toll fee from the digital RMB soft wallet.

[0008] In one possible implementation of the first aspect, when the type of the digital yuan soft wallet is a first type, the method further includes: During the process of the vehicle traveling on the road section between the toll entrance and the toll exit, when the vehicle passes by a roadside device, the roadside device collects the vehicle's vehicle identification to record the vehicle's location along the way, and sends the location along the way to the toll server; wherein, the roadside device is an electronic device on the road section between the toll entrance and the toll exit; The toll server calculates the vehicle's travel distance based on the location along the way and the first location at the toll gate, generates a real-time highway toll based on the travel distance, and compares the real-time highway toll with the account balance of the first type of digital RMB soft wallet: If the account balance of the first type of digital RMB soft wallet is less than the real-time highway toll fee, the toll server sends a reminder message to the user's user terminal device.

[0009] In one possible implementation of the first aspect, when the type of the digital yuan soft wallet is the second type, the method further includes: During the process of the vehicle traveling on the road section between the toll entrance and the toll exit, when the vehicle passes by a roadside device, the roadside device collects the vehicle's vehicle identification to record the vehicle's location along the way, and sends the location along the way to the toll server; wherein, the roadside device is an electronic device on the road section between the toll entrance and the toll exit; The toll server calculates the vehicle's travel distance based on the location along the way and the first location at the toll entrance, generates a pending amount based on the travel distance, and sends the pending amount to the platform server. The platform server then sends a freeze request to the bank server based on the pending amount, so that the bank server executes the freeze request to freeze the funds in the digital RMB soft wallet corresponding to the pending amount, thereby generating the accumulated frozen guarantee funds in the digital RMB soft wallet. Accordingly, step S3 further includes: When the vehicle is located at the toll exit, the platform server determines the currently accumulated frozen guarantee funds in the digital RMB soft wallet, and the toll server decides whether to allow the vehicle to pass or intercept the vehicle based on the comparison result between the currently accumulated frozen guarantee funds and the toll to be settled.

[0010] In one possible implementation of the first aspect, the process of the bank server executing the freeze request includes: If the amount to be frozen in the digital RMB soft wallet plus the accumulated frozen guarantee funds is not greater than the account balance of the digital RMB soft wallet, then the amount to be frozen is frozen, and the frozen guarantee amount is updated.

[0011] In one possible implementation of the first aspect, a client communication control module is installed on the user's user terminal device; The process of the bank server executing the freeze request also includes: If the accumulated frozen guarantee funds plus the amount to be frozen are greater than the account balance, the bank server will send a message to the platform server indicating insufficient balance. Upon receiving the insufficient balance message, the platform server generates and sends a recharge reminder message to the communication control module.

[0012] The second invention also proposes a communication system, which includes a platform server, a bank server where the digital RMB soft wallet is located, and a toll server for toll roads. Specifically, when the vehicle is located at the toll entrance, toll exit, or the section between the toll entrance and the toll exit of the toll road segment, the platform server and the toll server interact to implement the method steps described above.

[0013] Thirdly, the present invention also proposes a server, including a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein the processor executes the computer program to implement the steps of the method described above.

[0014] This application provides a highway toll collection method, communication system, and server based on a digital RMB soft wallet. The method involves a bank server storing the registration relationship between user identities and digital RMB soft wallets; a platform server maintaining the mapping relationship between vehicle identifiers and digital RMB soft wallets; a toll collection server collecting vehicle identifiers at entrances and exits to anchor the first and second locations; a platform server collaborating with the bank server to query account balances in real time; and a toll collection server calculating tolls based on location differences and executing passage release or interception based on balance comparison results. This achieves a closed-loop linkage between the entire vehicle passage process and digital RMB payment capabilities. By leveraging the spatiotemporal anchoring of location information and real-time verification of account balances, the traditional post-payment deduction model is upgraded to in-process verification and pre-payment interception, fundamentally avoiding the risk of deduction failure and bad debts due to insufficient account balances. This significantly improves the financial security, operational reliability, and user performance guarantee level of the highway toll collection system. Attached Figure Description To more clearly illustrate the technical solutions in the embodiments of this application, the drawings used in the description of the embodiments or the prior art will be briefly introduced below. Obviously, the drawings described below are only some embodiments of this application. For those skilled in the art, other drawings can be obtained based on these drawings without creative effort.

[0015] Figure 1 This is a schematic diagram of the main process of the highway toll collection method based on the digital RMB soft wallet provided in this application; Figure 2 This is a schematic diagram illustrating an embodiment of the charging method provided in this application, which involves releasing the vehicle first and then deducting payment. Figure 3 This is a schematic diagram of an embodiment of a scheme for determining whether the account balance is sufficient during the charging method provided in this application.

[0016] Figure 4This is a schematic diagram of an embodiment of the in-transit freezing scheme provided by the charging method of this application. Detailed Implementation

[0017] In the following description, specific details such as particular system architectures and techniques are set forth for illustrative purposes and not for limitation, in order to provide a thorough understanding of the embodiments of this application. However, those skilled in the art will understand that this application may also be implemented in other embodiments without these specific details. In other instances, detailed descriptions of well-known systems, apparatuses, circuits, and methods have been omitted so as not to obscure the description of this application with unnecessary detail.

[0018] It should be understood that, when used in this application specification and the appended claims, the term "comprising" indicates the presence of the described features, integrals, steps, operations, elements and / or components, but does not exclude the presence or addition of one or more other features, integrals, steps, operations, elements, components and / or a collection thereof.

[0019] It should also be understood that the term “and / or” as used in this application specification and the appended claims means any combination of one or more of the associated listed items and all possible combinations, and includes such combinations.

[0020] As used in this application specification and the appended claims, the term "if" may be interpreted, depending on the context, as "when," "once," "in response to determination," or "in response to detection." Similarly, the phrase "if determined" or "if detected [the described condition or event]" may be interpreted, depending on the context, as meaning "once determined," "in response to determination," "once detected [the described condition or event]," or "in response to detection [the described condition or event]."

[0021] Furthermore, in the description of this application and the appended claims, the terms "first," "second," "third," etc., are used only to distinguish descriptions and should not be construed as indicating or implying relative importance.

[0022] References to "one embodiment" or "some embodiments" as described in this specification mean that one or more embodiments of this application include a specific feature, structure, or characteristic described in connection with that embodiment. Therefore, the phrases "in one embodiment," "in some embodiments," "in other embodiments," "in still other embodiments," etc., appearing in different parts of this specification do not necessarily refer to the same embodiment, but rather mean "one or more, but not all, embodiments," unless otherwise specifically emphasized. The terms "comprising," "including," "having," and variations thereof mean "including but not limited to," unless otherwise specifically emphasized.

[0023] Understandably, in electronic toll collection systems, when using the "mobile phone+" cardless passage mode, toll deduction is only performed after the vehicle is released at the highway exit. If the user's registered payment account has insufficient funds, the toll server cannot complete the deduction instruction, resulting in bad debts. This problem essentially stems from the lack of real-time verification of the user's payment ability in the advance payment mechanism. The system fails to simultaneously verify the account status during the release decision process, thus affecting the reliability of fund recovery and operational stability of the toll collection system. Furthermore, the generation of bad debts directly weakens the highway owner's financial settlement capabilities and may trigger adjustments to the system's credit policy for subsequent toll services.

[0024] For example, in a real-world scenario at a highway exit's MTC lane, after the license plate recognition system detects the vehicle identification information of a passenger bus, it directly raises the barrier to allow the vehicle to pass based on the "mobile phone+" mode rules. Subsequently, the toll server initiates a deduction request to the user's linked payment account. However, because the account's current available balance is lower than the outstanding toll, the deduction operation is rejected by the payment channel. During this process, the system is unable to retroactively intercept the already released vehicle, causing the toll to be marked as a bad debt, resulting in a direct loss of revenue for the highway operator. Furthermore, the formation of bad debt in this scenario stems from the system's lack of a dynamic comparison mechanism between account balance and toll fees at the exit release stage, leading to a disconnect between the release decision and payment capacity verification.

[0025] If this technical issue is not effectively resolved, bad debts will continue to accumulate, increasing the financial risk for highway owners and forcing the system to adopt more conservative toll collection strategies, such as adding manual verification steps or restricting the passage rights of specific user groups. Consequently, the automation level and efficiency of the toll collection system will be constrained, and user trust in the "mobile+" model may decline, hindering its large-scale deployment across diverse vehicle types and all road sections. Furthermore, frequent bad debt events will increase the burden of anomaly handling in the system's backend, impacting the overall sustainability of operations.

[0026] To address the aforementioned technical problems, this application provides a highway toll collection method, communication system, and server based on a digital RMB soft wallet. The technical solution of this application will be illustrated below through specific embodiments.

[0027] Example 1 In the first aspect, this application proposes a highway toll collection method based on a digital RMB soft wallet. This method is applied to a highway toll collection communication system, which includes a platform server, a bank server where the digital RMB soft wallet is located, and a toll collection server for the toll section. The bank server stores the registration relationship between the user's identity information and the digital RMB soft wallet; the vehicle identifier of the user's vehicle is pre-mapped with the digital RMB soft wallet, and this mapping relationship is stored on the platform server. Understandably, users can pre-register a digital RMB soft wallet account with the bank server. In practice, the bank server can create a digital RMB soft wallet for the user and bind it to the user's identity information (such as ID card information) to form a registration relationship. This registration relationship and the account balance of the digital RMB soft wallet are stored in the database of the bank server. The bank server opens and maintains the management account of the digital RMB soft wallet for the user, and all fund balance records, transaction flow and account status are centrally stored in the database of the bank server.

[0028] The user can establish a mapping relationship between the vehicle identifier of a certain vehicle (usually the user's own vehicle) and the digital RMB soft wallet through the platform server. This mapping relationship is stored in the backend database of the platform server.

[0029] During operation, the platform server in this embodiment interacts with the toll collection server of the toll road section, mainly performing actions such as... Figure 1 The steps S1 to S3 shown are as follows; wherein, the toll road section includes at least a toll entrance, a toll exit, and the road section between the toll entrance and the toll exit; S1: When the vehicle is located at the toll gate, the toll server obtains the vehicle identifier of the vehicle collected by the electronic device at the toll gate to record the current first location of the vehicle; Understandably, the toll server is a core component of the highway toll system. Its main responsibilities are to manage vehicle passage records, calculate tolls, and communicate with the platform server to complete toll settlement and vehicle release control.

[0030] A toll road section refers to a specific area on a highway where tolls are collected. It typically includes the toll entrance where vehicles enter the highway, the toll exit where vehicles leave the highway, and the intermediate driving section connecting these two points.

[0031] It should be noted that, as an example, the electronic device for the toll gate / toll exit in this application embodiment may consist of at least a camera, a communication module, and a barrier gate: The camera is mainly used to capture the vehicle identification of the license plate when a vehicle passes through the toll gate / toll exit; the vehicle identification takes the vehicle's license plate as an example. Of course, in other embodiments, the vehicle identification can also be other information that can be used to distinguish the vehicle. For example, the vehicle identification can be the vehicle's unique identification code (VIN) or the vehicle terminal identity identifier bound by a digital certificate, which serves as a key index for associating the user's digital RMB soft wallet. The communication module is mainly responsible for interacting with the toll server or other communication devices. In this embodiment, the communication module can send the vehicle identification captured by the recognition camera to the toll server, so that the toll server can know that the vehicle has passed through the current toll gate and record the vehicle's current first location (i.e., the location of the current toll gate). The barrier gate is the final actuator, directly receiving "allow" or "block" commands from the toll collection network server to control the raising or lowering of the barrier.

[0032] S2: When the vehicle is located in the toll road section, the toll server sends the vehicle's vehicle identifier to the platform server, and the platform server queries the bank server for the account balance of the digital RMB soft wallet corresponding to the vehicle identifier; It should be noted that the toll server sends the vehicle identification captured by the camera at the toll entrance to the platform server, so that the platform server knows that the vehicle has entered the toll section. Furthermore, in step S2 of this embodiment, the platform server can initiate a query request to the bank server at any time during the process of the vehicle being in the toll road section to query the account balance of the digital RMB soft wallet corresponding to the vehicle identifier. After that, the bank server responds to the query request and returns the specific account balance to the platform server. The account balance refers to the total amount of funds currently available in the digital RMB soft wallet stored in the bank server.

[0033] Understandably, a digital RMB soft wallet is a software-based digital RMB storage and payment tool, whose account balance and transaction key management rely on bank servers for maintenance and verification. The platform server can communicate with the bank server via the network to perform operations such as querying account balances and deducting funds from the balance. The digital RMB soft wallet of this application may include a first type (dedicated wallet) and a second type (general wallet): Dedicated wallet: This can be understood as a dedicated wallet used in a specific field, which can be implemented through methods including but not limited to smart contracts and contract protocols. For example, the first type of wallet for digital RMB soft money in this application embodiment is a high-speed dedicated wallet, which is not used for other purposes (such as purchasing goods in transit). A universal wallet can be understood as a wallet that can be used in multiple fields. For example, a digital RMB soft wallet without limitations can be used for payments at gas stations, retail stores, and online. In its specific implementation, after receiving the vehicle identifier, the toll server constructs a standardized query message (including the vehicle identifier, request time, and encrypted signature) and sends it to the platform server via a secure transmission channel (such as HTTPS encrypted with the national cryptographic standard SM4). The platform server retrieves the corresponding digital RMB soft wallet address based on the pre-stored mapping relationship, constructs a balance query instruction conforming to the digital RMB interface specification, and forwards it to the bank server. After completing identity authentication and wallet address verification, the bank server returns the real-time account balance in plaintext or encrypted format.

[0034] In other embodiments, the platform server may pre-cache lightweight balance snapshots of the wallets corresponding to each vehicle (e.g., with an expiration period of ≤30 seconds), and read the local snapshot first after receiving the vehicle identifier; if the snapshot expires or is not found, a real-time query to the bank server is triggered and the cache is updated.

[0035] S3: When the vehicle is located at the toll exit, the toll server obtains the vehicle identifier collected by the electronic device at the toll exit to record the second location of the vehicle, and determines the toll fee to be settled for the vehicle passing through the toll section based on the first location and the second location, and decides to release the vehicle or intercept the vehicle based on the comparison result between the account balance and the toll fee to be settled.

[0036] It is understandable that the toll to be settled refers to the toll payable calculated based on the driving route (first position and second position) after a vehicle has passed through a specific toll road section; of course, in other embodiments, the toll to be settled may also be the toll payable calculated based on factors such as driving route and vehicle type.

[0037] As an example, in step S2 above, after the bank server responds to the query request and returns the specific account balance to the platform server, when the vehicle arrives at the toll exit, in step S3, the platform server can directly compare the account balance with the toll to be settled, obtain the comparison result, and then send the comparison result to the toll server, which will decide whether to allow the vehicle to pass or intercept the vehicle based on the comparison result. As another example, in step S2 above, after the bank server responds to the query request and returns the specific account balance to the platform server, the platform server can send the account balance to the toll server. When the vehicle arrives at the toll exit, in step S3, the toll server can compare the account balance with the toll to be settled to obtain the comparison result. Then, the toll server decides whether to release the vehicle or intercept the vehicle based on the comparison result.

[0038] Subsequently, as an example, if the toll fee to be settled is less than the account balance, the toll collection server sends a fund deduction request to the platform server, which then forwards the request to the bank server. The bank server then deducts the funds corresponding to the toll fee from the digital RMB soft wallet. If the toll fee to be settled is greater than the account balance, the electronic device at the toll exit can issue a prompt to remind the driver to make the payment.

[0039] The technical advantages of this application's embodiments are as follows: This application achieves a closed-loop linkage between the entire vehicle passage process and the digital RMB payment capability by storing the user's identity and the registration relationship of the digital RMB soft wallet on the bank server, maintaining the mapping relationship between the vehicle identifier and the digital RMB soft wallet on the platform server, collecting the vehicle identifier at the entrance and exit to anchor the first and second positions respectively on the toll server, coordinating the platform server with the bank server to query the account balance in real time, and calculating the toll based on the position difference and executing the release or interception based on the balance comparison result on the toll server. By leveraging the spatiotemporal anchoring of location information and the real-time verification of account balance, the traditional post-deduction mode is upgraded to in-process verification and pre-interception, fundamentally avoiding the risk of deduction failure and bad debt due to insufficient account balance, and significantly improving the fund security, operational reliability and user performance guarantee level of the highway toll system.

[0040] Example 2 Based on an example scheme of step S3 in Embodiment 1 above, "when the vehicle is at the toll exit, if the toll to be settled is less than the account balance, the toll server controls the electronic equipment at the toll exit to release the vehicle," and referring to... Figure 2 The method of this application may further include: S3a: If the toll to be settled is less than the account balance when the vehicle is at the toll exit, the toll server controls the electronic equipment at the toll exit to allow the vehicle to pass; It is understood that the embodiments of this application implement a timing arrangement in which the vehicle is released first and then the digital RMB soft wallet of the user driving the vehicle is deducted, so as to ensure the user experience. S3b: The charging server sends a payment deduction request to the platform server; For example, the fund deduction in this embodiment can be understood as a standardized instruction message used to trigger downstream fund transfer operations. It can be a structured data packet carrying the amount to be deducted, the target digital RMB soft wallet identifier, the transaction timestamp, and a unique transaction number. In addition, the fund deduction request can be a RESTful API call request encapsulated based on the HTTP / HTTPS protocol, or a message queue event encapsulated based on the MQTT or AMQP protocol.

[0041] S3c: The platform server forwards the fund deduction request to the bank server; In a specific implementation, this embodiment may match the bank institution to which the soft wallet belongs in the fund deduction request based on the bank service registry built into the platform server, and call the corresponding bank's SDK to complete message conversion and secure communication; this embodiment may also be that the platform server, based on the preset API gateway policy, forwards the original request to the designated domain name of the bank server after unified identity authentication, traffic control, and log tracking.

[0042] S3d: The bank server deducts the funds corresponding to the toll fees to be settled from the digital RMB soft wallet.

[0043] In a specific implementation, this embodiment could involve the bank server locating the corresponding account based on the soft wallet ID in the fund deduction request, checking whether the account's current available balance covers the amount to be deducted, and if so, performing an accounting operation, generating a successful deduction voucher, and returning it. Alternatively, this embodiment could involve the bank server calling a risk control engine to conduct a real-time anti-fraud assessment of the transaction before executing the deduction; only after the assessment is passed would the funds be frozen and transferred. Furthermore, this embodiment could also involve the bank server employing a dual-accounting mechanism, simultaneously updating a distributed ledger copy while the main ledger completes the deduction, ensuring global consistency of the transaction status. Step S3d can obtain a legal, secure, and verifiable deduction of legal digital RMB funds based on any of the above example methods.

[0044] The technical effect of this application embodiment is that when a vehicle arrives at the toll exit, if the digital RMB soft wallet account balance of the user driving the vehicle is sufficient, a timing arrangement is implemented in which the vehicle is allowed to pass first and then the digital RMB soft wallet of the user driving the vehicle is deducted. This avoids the situation of queuing and congestion at highway toll stations, while also taking into account the risk of deduction failure and bad debt due to insufficient account balance.

[0045] Example 3 Based on the above embodiment one scheme, and limiting the type of the digital RMB soft wallet to the first type, namely the high-speed dedicated wallet type... refer to Figure 3 After steps S1 and S2, i.e., after the vehicle passes through the toll gate (the gate raises the barrier after recognizing the vehicle), the toll server sends a balance synchronization request to the platform server, and the platform server sends a request to the bank server to obtain the account balance of the digital RMB soft wallet for highway use. After receiving the account balance of the highway-specific wallet from the platform server, the toll server caches it locally. When a vehicle is traveling on the road section between a toll gate and a toll exit, if the vehicle passes through roadside equipment along the way, the following also applies: Step S021A: The roadside equipment collects the vehicle identification number to record the vehicle's location along the route and sends the location to the toll server; wherein, the roadside equipment is an electronic device on the road section between the toll entrance and the toll exit; The roadside equipment mentioned above can be electronic devices with license plate recognition, radio frequency communication or image acquisition capabilities deployed on the inner or outer side of the toll road section, such as video capture cameras, ETC antenna arrays or lidar-assisted positioning units. The location along the way can refer to the coordinate information, station information or logical road segment number corresponding to the geographical location of the roadside equipment, which is used to represent the relative travel progress of the vehicle in the toll section. In this embodiment, the intermediate roadside equipment may be of the same type as the electronic equipment at the toll entrance and toll exit, but with a different deployment location. Its function focuses on process monitoring rather than start and end registration. The intermediate location is not used for independent billing, but serves as an intermediate anchor point for calculating the driving route and mileage.

[0046] For example, the roadside equipment in this embodiment can use optical character recognition (OCR) technology to analyze the front / rear license plate images of vehicles in real time to obtain vehicle identification, and output the corresponding geographical coordinates as the location along the way by combining the built-in GPS or Beidou positioning module.

[0047] Step S022A: The toll server calculates the vehicle's travel distance based on the location along the way and the first location at the toll gate, generates a real-time highway toll based on the travel distance, and compares the real-time highway toll with the account balance of the first type (highway-dedicated wallet) digital RMB soft wallet; Among them, the travel distance can refer to the distance the vehicle has traveled, determined based on the difference in geospatial coordinates, the difference in road segment station numbers, or the difference in logical path node sequence numbers, which serves as the direct basis for generating the amount to be frozen. Step S023A: If the account balance of the first type of digital RMB soft wallet is less than the real-time highway toll fee, the toll server sends a reminder message to the user's user terminal device.

[0048] In specific implementations, this embodiment can involve the toll server mapping both the intermediate location and the first location to spatial points in a unified coordinate system based on pre-stored road segment GIS map data, and calculating the travel distance using Euclidean distance or a road centerline integral path length algorithm. Alternatively, the toll server can look up the corresponding station values ​​between the intermediate location and the first location in a table, and directly calculate the difference to obtain the travel distance in kilometers. Furthermore, this embodiment can also involve the toll server fitting a curve representing the vehicle's actual travel trajectory based on a sequence of intermediate locations reported by multiple consecutive roadside devices, and calculating a more accurate travel distance by integrating along that curve. This embodiment can obtain a travel distance matching actual traffic behavior based on any of the above examples, thereby generating a reasonable and verifiable real-time highway toll.

[0049] During the execution of step S023A, the charging server first sends a reminder message to the platform server, and then the platform server forwards the reminder message to the user terminal device to remind the car owner to recharge and pay; the reminder methods include, but are not limited to, client APP reminders, SMS reminders, telephone reminders and other specific implementation methods.

[0050] Accordingly, regarding step S3 of the aforementioned embodiment, when the vehicle arrives at the highway toll exit, after the electronic equipment at the toll exit identifies the vehicle, the toll server determines that the account balance in the highway dedicated wallet is sufficient. If so, the vehicle is allowed to pass, and a deduction request is initiated to the platform server, which then sends the deduction request to the bank server. If the balance is insufficient, the vehicle is intercepted.

[0051] Example 4 Based on the above embodiment one scheme, and limiting the type of the digital RMB soft wallet to the second type, i.e., the general wallet type, refer to Figure 4 After step S1, that is, after the vehicle passes through the toll gate (the gate raises to allow passage after recognizing the vehicle), if the vehicle passes through roadside equipment while traveling on the section of road between the toll gate and the toll exit, the process further includes: Step S021B: The roadside equipment collects the vehicle identification to record the vehicle's location along the route and sends the location to the toll server; wherein, the roadside equipment is an electronic device on the road section between the toll entrance and the toll exit. The roadside equipment mentioned above can be electronic devices with license plate recognition, radio frequency communication or image acquisition capabilities deployed on the inner or outer side of the toll road section, such as video capture cameras, ETC antenna arrays or lidar-assisted positioning units. The location along the way can refer to the coordinate information, station information or logical road segment number corresponding to the geographical location of the roadside equipment, which is used to represent the relative travel progress of the vehicle in the toll section. In this embodiment, the intermediate roadside equipment may be of the same type as the electronic equipment at the toll entrance and toll exit, but with a different deployment location. Its function focuses on process monitoring rather than start and end registration. The intermediate location is not used for independent billing, but serves as an intermediate anchor point for calculating the driving route and mileage.

[0052] For example, the roadside equipment in this embodiment can use optical character recognition (OCR) technology to analyze the front / rear license plate images of vehicles in real time to obtain vehicle identification, and output the corresponding geographical coordinates as the location along the way by combining the built-in GPS or Beidou positioning module.

[0053] Step S022B: The toll server calculates the vehicle's travel distance based on the location along the way and the first location at the toll entrance, generates a to-be-frozen amount based on the travel distance, and sends the to-be-frozen amount to the platform server. The platform server then sends a freeze request to the bank server based on the to-be-frozen amount, so that the bank server executes the freeze request to freeze the funds in the digital RMB soft wallet corresponding to the to-be-frozen amount, thereby generating the accumulated frozen guarantee funds in the digital RMB soft wallet. Among them, the travel distance can refer to the distance the vehicle has traveled, determined based on the difference in geospatial coordinates, the difference in road segment station numbers, or the difference in logical path node sequence numbers, which serves as the direct basis for generating the amount to be frozen. The amount to be frozen can refer to the amount of funds that the platform server calculates based on the location recorded by the roadside equipment along the way when the vehicle travels between the toll entrance and the toll exit, combined with the pre-design fee rules, and intends to temporarily lock at the current node; for example, the amount to be frozen can be the phased fee payable obtained by multiplying the unit mileage rate by the distance traveled, and its value gradually increases as the vehicle travels, and does not have the effect of final settlement. A freeze request can be a standardized instruction message containing the digital RMB soft wallet identifier, the amount to be frozen, the freeze validity period, and the business transaction number. It is constructed by the platform server and forwarded to the bank server. The cumulative frozen guarantee funds can refer to the total amount of funds that have not yet been unfrozen due to multiple freeze operations during the same vehicle's passage. It serves as the core credit certificate for export release judgment.

[0054] In specific implementations, this embodiment can involve the toll server mapping both the intermediate location and the first location to spatial points in a unified coordinate system based on pre-stored road segment GIS map data, and calculating the travel distance using Euclidean distance or a road centerline integral path length algorithm. Alternatively, the toll server can look up the corresponding station values ​​between the intermediate location and the first location in a table, and directly calculate the difference to obtain the travel distance in kilometers. Furthermore, this embodiment can also involve the toll server fitting a curve representing the vehicle's actual travel trajectory based on a sequence of intermediate locations reported by multiple consecutive roadside devices, and calculating a more accurate travel distance by integrating along that curve. This embodiment can obtain a travel distance matching actual traffic behavior based on any of the above examples, thereby generating a reasonable and verifiable amount to be frozen.

[0055] Furthermore, in this embodiment, as a specific implementation, the platform server can construct a freezing instruction conforming to the general interface specifications of the financial industry after receiving the amount to be frozen. This freezing instruction carries the institution code of the bank to which the digital RMB soft wallet belongs, the user's digital identity certificate signature, the amount to be frozen, and a validity period of n hours (2 hours in this example). Another specific implementation of this embodiment is that the platform server, before sending the freezing request, first verifies whether the amount to be frozen exceeds the single freezing threshold, and if it exceeds the threshold, splits it into multiple sub-requests and submits them in batches. Further, as yet another implementation, this application can also have the platform server attach the current access ID and intermediate point sequence number to the freezing request, so that the bank server can establish a traceable guarantee chain in the freezing record. Based on any of the above examples, this application can achieve compliant construction and reliable transmission of freezing requests, ensuring that the bank server can accurately identify and execute fund freezing operations.

[0056] Accordingly, step S3 of the foregoing embodiment further includes: Step 3: When the vehicle is at the toll exit, the platform server determines the current accumulated frozen guarantee funds in the digital RMB soft wallet, and the toll server decides whether to release or intercept the vehicle based on the comparison between the current accumulated frozen guarantee funds and the toll fees to be settled.

[0057] The currently accumulated frozen guarantee funds refer to the total amount of funds that have not yet been released, formed by all freezing operations performed on the vehicle by the bank server during this travel period. It reflects the user's ability to fulfill its guarantee obligations during the travel process on this road segment.

[0058] The technical advantages of this application's embodiments are as follows: By deploying roadside equipment along the route between the toll entrance and exit, the location of vehicles during their passage is monitored; the toll server calculates the distance between the current location and the initial location, generating a frozen amount that matches the actual travel progress; the platform server and bank server collaborate to complete the fund freezing operation, constructing a dynamically accumulated frozen guarantee fund; finally, at the toll exit, this accumulated frozen guarantee fund replaces the original account balance as the release criterion, forming a closed loop of fund credit constraint throughout the entire passage. This mechanism not only avoids the risk of credit failure caused by users transferring assets or experiencing a sudden drop in balance during their journey, but also achieves continuous verification of performance capability in long-distance travel scenarios through segmented freezing, significantly improving the fund security level of highway operators.

[0059] Furthermore, in some embodiments, the process of the bank server executing the freeze request in step S022 above further includes: If the amount to be frozen in the digital RMB soft wallet plus the accumulated frozen guarantee funds is not greater than the account balance of the digital RMB soft wallet, then the amount to be frozen is frozen, and the frozen guarantee amount is updated.

[0060] For example, in this embodiment, when a vehicle travels to a roadside device, the device collects the license plate and reports the vehicle's location to the toll collection server. Based on this, the toll collection server calculates that the current amount to be frozen is 25 yuan, and finds that the current cumulative frozen guarantee funds in the vehicle's digital RMB soft wallet are 70 yuan, and the account balance is 100 yuan. After receiving the freezing request, the bank server determines that 25 + 70 = 95 ≤ 100 is true, and thus executes the operation to freeze 25 yuan, and updates the cumulative frozen guarantee funds to 95 yuan. If the account balance is 90 yuan at this time, then 25 + 70 = 95 > 90, and the freezing fails. In this case, the maximum amount that can be frozen can be frozen, for example, by using a binary search method to obtain the maximum amount that can be frozen.

[0061] This application achieves dynamic feasibility verification of the freezing operation by comparing the amount to be frozen with the sum of the accumulated frozen guarantee funds and the account balance. Based on this, freezing is only executed when the fund coverage conditions are met and the freezing record is updated synchronously, thereby ensuring that the freezing guarantee mechanism is within the range that the account funds can support throughout the process. This enables the highway toll system to continuously, controllably, and compliantly lock in the user's payment ability during the passage process, effectively preventing the risk of deduction failure after passage due to insufficient account balance, and improving the certainty of toll collection services and operational security.

[0062] Furthermore, in some other embodiments, a client communication control module may be installed on the user terminal device of the user driving the vehicle; It should be noted that the user terminal device can be the vehicle owner's own smartphone, tablet computer, or other mobile terminal device, or it can be a vehicle computer, in-vehicle terminal, or other computing device.

[0063] The client communication control module can be a client application (APP) or a mini-program; Accordingly, in this embodiment, the process of the bank server executing the freeze request in step S022 above further includes: If the accumulated frozen guarantee funds plus the amount to be frozen are greater than the account balance, the bank server will send a message to the platform server indicating insufficient balance. Upon receiving the insufficient balance message, the platform server generates and sends a recharge reminder message to the communication control module.

[0064] To illustrate further, when a vehicle reaches a roadside device, the device captures the license plate and reports its location to the toll server. The toll server calculates the current amount to be frozen as 25 yuan and checks the vehicle's corresponding digital RMB soft wallet, finding a total frozen guarantee of 70 yuan and a balance of 90 yuan. Upon receiving the freeze request, the bank server determines that 25 + 70 = 95 > 90, indicating insufficient account balance, and sends a message to the platform server indicating insufficient balance. Upon receiving this message, the platform server generates and sends a recharge reminder message to the user's client app or mini-program. The user's client app or mini-program can then remind the user to recharge their digital RMB soft wallet account via voice prompts or screen vibration.

[0065] This application embodiment realizes the risk advance warning in the scenario of failure to freeze funds in transit; by issuing a recharge reminder in a timely manner when funds are insufficient, it effectively avoids the risk of vehicles being intercepted at the toll exit due to insufficient balance, and greatly improves the convenience and experience of users in the process of traveling on highways.

[0066] In a second aspect, embodiments of the present invention provide a server, which may include the platform server, the billing server, and the bank server mentioned in the above embodiments. Each server includes a memory, a processor, and a computer program stored in the memory and executable on the processor. When the processor executes the computer program, it implements the steps of the method described in the first aspect above.

[0067] The above-described embodiments are only used to illustrate the technical solutions of this application, and are not intended to limit them. Although this application has been described in detail with reference to the foregoing embodiments, those skilled in the art should understand that modifications can still be made to the technical solutions described in the foregoing embodiments, or equivalent substitutions can be made to some of the technical features. Such modifications or substitutions do not cause the essence of the corresponding technical solutions to deviate from the spirit and scope of the technical solutions of the embodiments of this application, and should all be included within the protection scope of this application.

Claims

1. A highway toll collection method based on a digital RMB soft wallet, characterized in that, The bank server stores the registration relationship between the user's identity information and the digital RMB soft wallet; the vehicle identifier of the user's vehicle is pre-mapped with the digital RMB soft wallet, and this mapping relationship is stored on the platform server; The platform server interacts with the toll server of the toll road section; wherein, the toll road section includes at least a toll entrance, a toll exit, and the road section between the toll entrance and the toll exit; The method includes: S1: When the vehicle is located at the toll gate, the toll server obtains the vehicle identifier of the vehicle collected by the electronic device at the toll gate to record the current first location of the vehicle; S2: When the vehicle is located in the toll road section, the toll server sends the vehicle's vehicle identifier to the platform server, and the platform server queries the bank server for the account balance of the digital RMB soft wallet corresponding to the vehicle identifier; S3: When the vehicle is located at the toll exit, the toll server obtains the vehicle identifier collected by the electronic device at the toll exit to record the second location of the vehicle, and determines the toll fee to be settled for the vehicle passing through the toll section based on the first location and the second location, and decides to release the vehicle or intercept the vehicle based on the comparison result between the account balance and the toll fee to be settled.

2. The method as described in claim 1, characterized in that, Step S3 includes: If the toll fee to be settled is less than the account balance when the vehicle is at the toll exit, the toll server sends a fund deduction request to the platform server, which then forwards the fund deduction request to the bank server, which deducts the funds corresponding to the toll fee from the digital RMB soft wallet.

3. The method as described in claim 2, characterized in that, When the vehicle is located at the toll exit, if the toll to be settled is less than the account balance, the toll server controls the electronic equipment at the toll exit to allow the vehicle to pass. The charging server sends a fund deduction request to the platform server, which then forwards the fund deduction request to the bank server, which deducts the funds corresponding to the toll fee from the digital RMB soft wallet.

4. The method as described in claim 1, characterized in that, When the type of the digital yuan soft wallet is type 1, the method further includes: During the process of the vehicle traveling on the road section between the toll entrance and the toll exit, when the vehicle passes by a roadside device, the roadside device collects the vehicle's vehicle identification to record the vehicle's location along the way, and sends the location along the way to the toll server; wherein, the roadside device is an electronic device on the road section between the toll entrance and the toll exit; The toll server calculates the vehicle's travel distance based on the location along the way and the first location at the toll gate, generates a real-time highway toll based on the travel distance, and compares the real-time highway toll with the account balance of the first type of digital RMB soft wallet: If the account balance of the first type of digital RMB soft wallet is less than the real-time highway toll fee, the toll server sends a reminder message to the user's user terminal device.

5. The method as described in claim 1, characterized in that, When the type of the digital yuan soft wallet is type two, the method further includes: During the process of the vehicle traveling on the road section between the toll entrance and the toll exit, when the vehicle passes by a roadside device, the roadside device collects the vehicle's vehicle identification to record the vehicle's location along the way, and sends the location along the way to the toll server; wherein, the roadside device is an electronic device on the road section between the toll entrance and the toll exit; The toll server calculates the vehicle's travel distance based on the location along the way and the first location at the toll entrance, generates a pending amount based on the travel distance, and sends the pending amount to the platform server. The platform server then sends a freeze request to the bank server based on the pending amount, so that the bank server executes the freeze request to freeze the funds in the digital RMB soft wallet corresponding to the pending amount, thereby generating the accumulated frozen guarantee funds in the digital RMB soft wallet. Accordingly, step S3 further includes: When the vehicle is located at the toll exit, the platform server determines the currently accumulated frozen guarantee funds in the digital RMB soft wallet, and the toll server decides whether to allow the vehicle to pass or intercept the vehicle based on the comparison result between the currently accumulated frozen guarantee funds and the toll to be settled.

6. The method as described in claim 5, characterized in that, The process of the bank server executing the freeze request includes: If the amount to be frozen in the digital RMB soft wallet plus the accumulated frozen guarantee funds is not greater than the account balance of the digital RMB soft wallet, then the amount to be frozen is frozen, and the frozen guarantee amount is updated.

7. The method as described in claim 6, characterized in that, The user's user terminal device is equipped with a client communication control module; The process of the bank server executing the freeze request also includes: If the accumulated frozen guarantee funds plus the amount to be frozen are greater than the account balance, the bank server sends a message to the platform server indicating insufficient balance. Upon receiving the insufficient balance message, the platform server generates and sends a recharge reminder message to the communication control module.

8. A communication system, characterized in that, The communication system includes a platform server, a bank server housing the digital RMB soft wallet, and a toll server for toll roads. Wherein, when the vehicle is located at the toll entrance, toll exit, or the section between the toll entrance and the toll exit of the toll road segment, the platform server and the toll server interact to implement the steps of the method as described in any one of claims 1 to 7.

9. A server, characterized in that, The method includes a memory, a processor, and a computer program stored in the memory and executable on the processor, characterized in that the processor, when executing the computer program, implements the steps of the method as described in any one of claims 1 to 7.

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