Electronic non-stop parking fee charging system management method, fee deduction method and device

Abstract

The application provides a management method and device and a fee deduction method of an electronic non-stop parking fee collection system. The balance of a high-speed special sub-wallet is obtained by entering a toll road section, the balance is compared when driving out, and the corresponding amount is frozen if the balance is sufficient, so that sufficient funds can be used for fee deduction in the clearing and settlement stage, completely solving the problem of bad debts caused by bank / operation party prepayment and user arrears in the existing prepayment mode, and saving the cumbersome process of subsequent fee recovery, reducing the prepayment pressure and management cost of the operation party. Based on the account balance in the high-speed special sub-wallet associated with the bank account, the bottom is realized, the on-board unit only needs to complete the balance query and instruction sending function in the software layer, does not need to integrate a special hardware carrier such as a digital currency hard wallet, does not need to modify the existing auxiliary equipment of the electronic toll lane system, and can be directly adapted to the existing ETC hardware architecture, solving the defects of the existing digital currency hard wallet scheme.

Description

Technical Field

[0001] This application belongs to the technical field of electronic non-stop toll collection systems, and particularly relates to a management method, toll collection method and device for an electronic non-stop toll collection system. Background Technology

[0002] In recent years, Electronic Toll Collection (ETC), as a core application in the field of intelligent transportation, has been widely adopted nationwide. It enables vehicles to pass quickly and pay tolls through wireless communication between the On-Board Unit (OBU) and the Roadside Unit (RSU), significantly improving communication efficiency in scenarios such as highways. The current mainstream ETC toll collection model adopts a "pay later" model, which allows users to complete the passage first and then settle the payment, further optimizing the user experience, lowering the barrier to entry, and becoming an important trend in industry development. However, while the "pay later" model brings convenience, it also faces the prominent problem of bad debt risk. Due to the time lag in payment settlement, insufficient user account balance, abnormal payment account status, or malicious default by the user can easily lead to payment failure and bad debts. According to industry data, although the proportion of such bad debts is not high, with the continuous expansion of the ETC user base, the amount of bad debts accumulates year by year. This not only brings direct economic losses to ETC operators but also increases the system's financial management costs and risk control pressure. Most existing ETC systems use a "pay later" billing model (linking bank cards / credit cards, tolls deducted after passage), which has a high bad debt rate and a complex fee collection process, requiring banks / operators to advance payments before recovering from users, increasing the operator's capital and management costs. With the emergence of digital currencies, ETC solutions based on digital currency hardware wallets have appeared, but these require additional hardware integration and increase deployment costs. Summary of the Invention

[0003] In view of this, the embodiments of this application provide a management method, a deduction method and device for an electronic non-stop toll collection system, which does not require additional hardware and avoids the risk of bad debts from the source through reasonable balance verification, amount freezing and information interaction mechanisms.

[0004] In a first aspect, embodiments of this application provide a management method for an electronic non-stop toll collection system, applied to an on-board unit in a vehicle, wherein the on-board unit is pre-linked with a bank account, and the method includes: When a vehicle enters a toll road section, the account balance of the highway-specific sub-wallet in the digital wallet associated with the bank account is obtained and stored. When the vehicle exits the toll road section, a transaction request sent by the electronic toll lane system is obtained, wherein the transaction request includes the toll fee; If the toll fee is less than or equal to the account balance, the bank corresponding to the bank account is notified to freeze the account amount in the highway dedicated sub-wallet that is the same as the toll fee, and a first notification message is sent to the electronic toll lane system. The electronic toll lane system then allows the vehicle to pass, and the toll fee is used by the electronic toll lane system to deduct the fee during the clearing and settlement stage.

[0005] In some embodiments, obtaining the account balance of a high-speed dedicated sub-wallet within a digital wallet associated with the bank account includes: Determine whether the digital currency wallet has a dedicated high-speed sub-wallet enabled. If the digital currency wallet has a dedicated high-speed sub-wallet enabled, obtain the account balance of the dedicated high-speed sub-wallet in the digital currency wallet associated with the bank account.

[0006] In some embodiments, the method further includes: In the absence of a dedicated highway sub-wallet in the digital wallet, the location information of the vehicle is periodically obtained; The segmented travel cost is estimated based on the location information; The bank corresponding to the bank account is notified to freeze the amount in the digital wallet account that is the same as the segmented toll fee, and the bank's freeze feedback information is obtained. The freeze feedback information is used to indicate whether the freeze was successful. When the vehicle exits the toll road section, a transaction request sent by the electronic toll lane system is obtained, wherein the transaction request includes the toll fee; If the freezing feedback information indicates that the freezing is successful, a second notification message is sent to the electronic toll lane system, and the electronic toll lane system releases the vehicle. The toll fee is used by the electronic toll lane system to deduct the fee during the clearing and settlement stage. If the freeze feedback information indicates that the freeze was unsuccessful, a third notification message is sent to the electronic toll lane system. The electronic toll lane system then prohibits the vehicle from passing and outputs a prompt message to instruct the vehicle to pass through the manual lane.

[0007] In some embodiments, obtaining the account balance of the high-speed dedicated sub-wallet in the digital wallet associated with the bank account includes: Send a query request to the bank corresponding to the bank account, the query request being used to query the account balance in the high-speed dedicated sub-wallet; Obtain the response information returned by the bank; Based on the response information, retrieve the account balance in the high-speed dedicated sub-wallet associated with the bank account.

[0008] In some embodiments, the method further includes: If the toll fee exceeds the account balance, a fourth notification message is sent to the electronic toll lane system. The electronic toll lane system then prohibits the vehicle from passing and outputs a prompt message to remind the vehicle to use the manual lane.

[0009] In some embodiments, if the toll fee is greater than the account balance, it is determined whether the automatic recharge function of the highway-dedicated sub-wallet is enabled; If the automatic top-up function is enabled in the dedicated high-speed sub-wallet, the bank will be notified to top up the dedicated high-speed sub-wallet. Upon successful top-up of the dedicated highway sub-wallet, the bank is notified to freeze the account balance in the dedicated highway sub-wallet equal to the toll amount, and a fifth notification message is sent to the electronic toll lane system. The electronic toll lane system then allows the vehicle to pass, and the toll amount is used by the electronic toll lane system to deduct fees during the clearing and settlement phase.

[0010] In some embodiments, the electronic toll lane system attempts to deduct fees from the bank account during the clearing and settlement phase; if the deduction from the bank account fails, the system notifies the bank to transfer the frozen amount in the highway-dedicated sub-wallet to the bank account, and attempts to deduct fees from the bank account again. The on-board unit can query the account balance in the highway-dedicated sub-wallet, but cannot query the account balance in the bank account.

[0011] In some embodiments, obtaining the transaction request sent by the electronic toll lane system when the vehicle exits the end of the toll road segment includes: When the vehicle exits the end of the toll road section, the road test equipment in the electronic toll lane system is verified. If the verification is successful, the transaction request sent by the electronic toll lane system is obtained.

[0012] Secondly, embodiments of this application provide a toll collection method applied to an electronic toll lane system, the method comprising: An attempt is made to deduct toll fees from a bank account, wherein the bank account is pre-linked to an onboard unit in the vehicle; If the deduction from the bank account fails, the bank corresponding to the bank account will be notified to transfer the frozen amount to the bank account. The frozen amount is the amount that the vehicle unit notifies the bank to freeze when it determines that the toll fee is less than or equal to the account balance. The account balance is the account balance that the vehicle unit obtains from the highway-specific sub-wallet when the vehicle enters the toll section. Alternatively, the frozen amount is frozen from the digital wallet based on the segmented toll fees. Try deducting the fee from the bank account again.

[0013] Thirdly, embodiments of this application provide a management device for an electronic non-stop toll collection system, applied to an on-board unit in a vehicle, wherein the on-board unit is pre-linked with a bank account, including: The first acquisition module is used to acquire the account balance of the highway-specific sub-wallet in the digital wallet associated with the bank account when the vehicle enters the toll road section, and to store the account balance. The second acquisition module is used to acquire a transaction request sent by the electronic toll lane system when the vehicle leaves the toll section, wherein the transaction request includes the toll fee; The management module is used to notify the bank corresponding to the bank account to freeze the account amount in the highway dedicated sub-wallet that is the same as the toll fee when the toll fee is less than or equal to the account balance, and to send a first notification message to the electronic toll lane system. The electronic toll lane system then allows the vehicle to pass, and the toll fee is used by the electronic toll lane system to deduct the fee during the clearing and settlement stage.

[0014] Fourthly, embodiments of this application provide an electronic device, 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 method described in any of the above-mentioned embodiments.

[0015] Fifthly, embodiments of this application provide a computer-readable storage medium storing a computer program that, when executed by a processor, implements the method described in any of the preceding claims.

[0016] Sixthly, embodiments of this application provide a computer program product that, when run on a terminal device, causes the electronic device to execute any of the methods described above.

[0017] In a seventh aspect, embodiments of this application provide a management system, including: an on-board unit and an electronic toll lane system, wherein the on-board unit is communicatively connected to the electronic toll lane system, the on-board unit is used to implement the method described in any one of the first aspects, and the electronic toll lane system is used to implement the method described in the second aspect.

[0018] The beneficial effects of the embodiments in this application compared with the prior art are: This application provides a management method for an electronic non-stop toll collection system. By obtaining the balance of a dedicated sub-wallet for highways upon entering a toll section, comparing the balance upon exiting, and freezing the corresponding amount if the balance is sufficient, it ensures that there are enough funds available for deduction during the clearing and settlement stage. This completely solves the problem of bad debts caused by banks / operators making advance payments and users owing money in the existing advance payment model. At the same time, it eliminates the cumbersome process of subsequent fee collection, reduces the operator's capital advance pressure and management costs. Based on the account balance in the dedicated sub-wallet of the digital currency wallet associated with the bank account, a safety net is provided. The vehicle unit only needs to complete the balance query and instruction sending functions at the software level. There is no need to integrate additional dedicated hardware carriers such as digital currency hardware wallets, and there is no need to modify the existing auxiliary equipment of the electronic toll lane system. It can be directly adapted to the existing ETC hardware architecture, with low deployment cost, low modification difficulty, and strong applicability, thus solving the defects of existing digital currency hardware wallet solutions. Attached Figure Description

[0019] 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.

[0020] Figure 1 A schematic diagram of an electronic non-stop toll collection system provided in this application embodiment; Figure 2 A schematic diagram illustrating the implementation process of a management method for an electronic non-stop toll collection system provided for the purposes of this application; Figure 3 A schematic diagram illustrating the implementation process of a billing method provided in this application embodiment; Figure 4 A schematic diagram illustrating the implementation process of a management method for an electronic non-stop toll collection system provided in this application embodiment; Figure 5 A schematic diagram of the management method of the electronic non-stop toll collection system provided in the embodiments of this application; Figure 6 A schematic diagram of the structure of a management device for an electronic non-stop toll collection system provided in this application embodiment; Figure 7 This is a schematic diagram of the structure of an electronic device provided in an embodiment of this application. Detailed Implementation

[0021] 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.

[0022] 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.

[0023] 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.

[0024] 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 phrases "if determined" or "if detected" may be interpreted, depending on the context, as "once determined," "in response to determination," "once detected," or "in response to detection."

[0025] 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.

[0026] References to "one embodiment" or "some embodiments" 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.

[0027] Based on the problems in related technologies, embodiments of this application provide a management method for an electronic non-stop toll collection system that can be applied to an On-Board Unit (OBU). Figure 1A schematic diagram of an electronic non-stop toll collection system provided in this application embodiment is shown below. Figure 1 As shown, the system includes: an electronic toll lane system, an On-Board Unit (OBU), a platform, and a bank. The electronic toll lane system is a toll collection system that uses wireless communication technology to enable vehicles to automatically identify and electronically deduct tolls without stopping in scenarios such as highways and urban roads. This system aims to improve road traffic efficiency, reduce energy consumption, and minimize human intervention, and is an important component of intelligent transportation. The Roadside Unit (RSU) directly interacts with the OBU in the electronic toll lane system. It is a key device and core hub installed on the roadside, responsible for data exchange with the OBU through communication methods such as FSK modulation to achieve vehicle identification and electronic toll deduction. In addition, the electronic toll lane system also includes lane controllers, license plate capture and recognition equipment, automatic barriers, information display screens, traffic lights, and lane cameras. This system will not modify these parts; they are collectively referred to as auxiliary equipment. The OBU, usually installed on the vehicle's windshield, has functions such as vehicle identification, encrypted communication, and data storage, and serves as the medium for information exchange between the vehicle and the ETC toll collection system. The platform, as an intermediary node, connects the OBU and the bank, responsible for information transmission between the OBU and the bank. The bank is responsible for freezing the corresponding amount of the order and completing the actual deduction.

[0028] Figure 2 A schematic diagram illustrating the implementation process of a management method for an electronic non-stop toll collection system provided for the purposes of this application is shown below. Figure 2 As shown, the management methods for the electronic non-stop toll collection system include: Step S101: When a vehicle enters a toll road section, obtain the account balance of the highway-specific sub-wallet in the digital wallet associated with the bank account, and store the account balance.

[0029] In this embodiment, a toll road section refers to a road section equipped with an electronic non-stop toll collection system (ETC) that requires vehicles to pay tolls to pass through (such as a highway toll road section), and is divided into two key nodes: "entry" and "exit". A bank account refers to a personal or corporate fund account opened by a user at a bank. The bank account is the priority account for toll deduction and is bound to the on-board unit. The bank account is also associated with a digital currency wallet to achieve fund linkage. A digital currency wallet refers to a personal or corporate digital currency account opened by a user at a bank. The highway-dedicated sub-wallet is a sub-wallet that uses a smart contract to pre-deposit a certain amount of funds specifically for highway tolls. The highway-dedicated sub-wallet is only used for highway toll-related fund operations (balance inquiry, fund freezing, toll replenishment) and is not used for other financial transactions. Its core function is to provide balance verification and fund backup support for ETC toll deductions. The account balance refers to the amount of available funds in the highway-dedicated sub-wallet. After the on-board unit obtains this balance, it stores it locally and uses it for toll comparison when exiting the toll road section. It is the core basis for determining whether to allow freezing of funds and release of the vehicle.

[0030] In this embodiment, the vehicle unit detects that the vehicle has entered the toll road section (which can be triggered by communication with the roadside equipment at the entrance of the toll road section, positioning signals, etc.); the vehicle unit has been bound to the user's bank account in advance, and the digital wallet associated with the bank account has been opened with a dedicated sub-wallet for highways. The binding relationship is preset to ensure that the vehicle unit can link with the bank to query the balance of the dedicated sub-wallet for highways.

[0031] In this embodiment, the vehicle-mounted unit can send a "highway dedicated sub-wallet balance query request" to the bank system corresponding to the bound bank account through its own wireless communication module; after receiving the request, the bank system queries the real-time available balance of the high-speed dedicated sub-wallet, generates response information and returns it to the vehicle-mounted unit; after receiving the response information, the vehicle-mounted unit extracts the account balance data and stores it in its own local storage module.

[0032] Step S102: When the vehicle leaves the toll road section, a transaction request sent by the electronic toll lane system is obtained, wherein the transaction request includes the toll fee.

[0033] In this embodiment, the transaction request is a toll settlement request sent by the electronic toll lane system to the on-board unit. Its core component is the specific amount of the toll for the vehicle's passage, serving as the trigger instruction for the on-board unit to perform subsequent balance comparison and fund freezing operations. The toll is the fee payable by the vehicle for passing through the toll section, calculated by the electronic toll lane system based on factors such as vehicle mileage and vehicle type. It is included in the transaction request and serves as the core basis for fund freezing, clearing, and deduction of toll fees.

[0034] In this embodiment, the electronic toll lane system identifies the on-board unit through roadside equipment and calculates the toll for this trip based on parameters such as vehicle mileage and vehicle type. The electronic toll lane system sends a transaction request containing the "toll" to the on-board unit through the roadside equipment. This transaction request may also include auxiliary data such as lane information and travel time to ensure the uniqueness of the transaction. After receiving the transaction request, the on-board unit parses the toll data to prepare for subsequent balance comparison.

[0035] Step S103: If the toll fee is less than or equal to the account balance, notify the bank corresponding to the bank account to freeze the account amount in the highway dedicated sub-wallet that is the same as the toll fee, and send a first notification message to the electronic toll lane system. The electronic toll lane system then allows the vehicle to pass. The toll fee is used by the electronic toll lane system to deduct fees during the clearing and settlement stage.

[0036] In this embodiment, the first notification is sent by the on-board unit to the electronic toll lane system when the toll fee is less than or equal to the account balance. Its core function is to inform the electronic toll lane system that the balance is sufficient and funds have been frozen, thus instructing the system to release the vehicle. The clearing and settlement stage is the subsequent fund settlement stage for ETC tolls, led by the electronic toll lane system, which performs the final deduction of vehicle toll fees (prioritizing deduction from the bank account), completing the closed-loop process for toll fee collection.

[0037] In this embodiment, the vehicle-mounted unit can access the stored balance of the highway-dedicated sub-wallet account and compare it with the toll fee in the transaction request to determine whether the toll fee is less than or equal to the account balance. If the toll fee is less than or equal to the account balance, the vehicle-mounted unit sends a "funds freeze request" to the bank system corresponding to the bound bank account via the wireless communication module. The request specifies the "highway-dedicated sub-wallet" and the "freeze amount equal to the toll fee." After receiving the request, the bank system verifies that the sub-wallet balance is sufficient, performs the freeze operation, and returns a successful freeze response to the vehicle-mounted unit. After freezing, this amount cannot be used for other operations and is only used for this ETC toll deduction. After receiving the successful freeze response from the bank, the vehicle-mounted unit immediately sends a first notification message to the electronic toll lane system. After receiving the first notification message, the electronic toll lane system confirms that "funds have been frozen and can be deducted normally," controls the lane barrier to lift, and allows the vehicle to pass. After the vehicle passes, the toll fee is not yet fully deducted and enters the clearing and settlement stage, where the electronic toll lane system takes the lead in completing the subsequent toll deduction operation. In this embodiment of the application, this step only performs "fund freezing" and does not perform "actual deduction". The actual deduction is completed in the clearing and settlement stage to avoid vehicle release being blocked due to real-time deduction delay and improve traffic efficiency.

[0038] The method provided in this application embodiment obtains the sub-wallet balance upon entering the toll section, compares the balance upon exiting, and freezes the corresponding amount if the balance is sufficient. This ensures that there are enough funds available for deduction during the clearing and settlement stage, completely solving the problem of bad debts caused by banks / operators making advance payments and users owing money in the existing advance payment model. At the same time, it eliminates the cumbersome process of subsequent fee collection, reduces the operator's capital advance pressure and management costs, and provides a safety net based on the highway-specific sub-wallet associated with the bank account. The vehicle unit only needs to complete the balance query and instruction sending functions at the software level, without the need to integrate additional dedicated hardware carriers such as digital currency hardware wallets, and without modifying the existing auxiliary equipment of the electronic toll lane system. It can be directly adapted to the existing ETC hardware architecture, with low deployment cost, low modification difficulty, and strong applicability, thus solving the defects of existing digital currency hardware wallet solutions.

[0039] The method provided in this application embodiment involves the on-board unit only interacting with the highway-dedicated sub-wallet (to obtain the balance and trigger a freeze), without querying the bank's main account balance. This not only provides financial support for ETC toll deductions but also avoids the financial security risks associated with the on-board unit obtaining bank main account information. At the same time, the highway-dedicated sub-wallet is a dedicated account used only for highway toll-related operations, isolating it from the main account funds, and further enhances the security of fund management.

[0040] In some embodiments, step S101 can be implemented by the following steps: Step S1011: Send a query request to the bank corresponding to the bank account bound to the vehicle unit. The query request is used to query the account balance in the highway dedicated sub-wallet.

[0041] In this embodiment of the application, the query request is an instruction sent by the vehicle unit to the banking system to obtain the balance of the highway-dedicated sub-wallet account.

[0042] In this embodiment, the vehicle-mounted unit automatically generates a query request, which explicitly includes three core pieces of information: the vehicle-mounted unit's own identifier (used by the bank to verify the device's legitimacy), the bank account information bound to the vehicle-mounted unit (used to locate the associated bank), and the highway-specific sub-wallet identifier (used to accurately locate the sub-wallet to be queried, avoiding confusion with the bank's main account or other sub-wallets). The vehicle-mounted unit uses its own wireless communication module to send the query request to the bank system corresponding to the bank account bound to the vehicle-mounted unit, ensuring that the request can be accurately delivered to the corresponding bank and avoiding sending it to irrelevant institutions, which could lead to information leakage or query failure.

[0043] Step S1012: Obtain the response information returned by the bank.

[0044] In this embodiment, the response information is the feedback data returned by the bank system to the vehicle unit after receiving the query request sent by the vehicle unit, and after verification and query operations. The core of the response information includes the real-time account balance of the highway dedicated sub-wallet, and may also include auxiliary information such as query time and sub-wallet status (e.g., normal or frozen). It is the only basis for the vehicle unit to extract the balance data.

[0045] In this embodiment, after receiving a query request, the bank system first verifies the legitimacy of the vehicle-mounted unit (V2U) identifier and bank account information in the request (confirming that the V2U is bound to the bank account and the request has not been tampered with). If the verification passes, the system queries the real-time available balance of the dedicated highway sub-wallet based on the identifier in the request. The bank system generates a response message, the core content of which is "real-time account balance of the dedicated highway sub-wallet," and may also include auxiliary information such as the query time (to facilitate the V2U's assessment of the balance's timeliness) and the sub-wallet status (e.g., normally available, abnormally frozen, for subsequent anomaly handling) to ensure the completeness of the response message. The bank system then redirects the response message back to the V2U that sent the query request via a dedicated communication link. The V2U continuously monitors the communication link and, upon receiving the response message, performs a simple verification of its completeness and legitimacy.

[0046] In this embodiment, if the vehicle unit does not receive a response within a preset time (e.g., communication is interrupted), or the received response is illegal or incomplete, the vehicle unit may send the query request 1-2 times. If it still fails, an anomaly is recorded, and the balance comparison cannot be completed when the vehicle leaves. It needs to be guided to the manual lane to avoid ETC passage being blocked due to query failure.

[0047] Step S1013: Obtain the account balance in the high-speed dedicated sub-wallet based on the response information.

[0048] In this embodiment, the vehicle unit parses the response information that passes the verification and filters out the account balance of the highway-dedicated sub-wallet. After extracting the balance data, the vehicle unit performs a simple verification on the data (such as determining that the balance is a non-negative value to avoid invalid values ​​being returned due to bank system anomalies). After the verification passes, the balance is confirmed as the real-time available balance of the highway-dedicated sub-wallet. After extraction, the vehicle unit stores the account balance in the local storage module.

[0049] In some embodiments, the method further includes: Determine whether the digital currency wallet has a dedicated high-speed sub-wallet enabled. If the digital currency wallet has a dedicated high-speed sub-wallet enabled, obtain the account balance of the dedicated high-speed sub-wallet in the digital currency wallet associated with the bank account.

[0050] In this embodiment, the On-Board Unit (OBU) triggers this process when the vehicle enters the toll road section. The OBU sends a query command to the bank's backend. Based on the user's activation information, the backend returns the status of whether a dedicated highway sub-wallet has been created. The OBU receives the status identifier and completes the determination.

[0051] In this embodiment of the application, if it is determined that a high-speed dedicated sub-wallet has been opened in the digital currency wallet, the account balance of the high-speed dedicated sub-wallet in the digital currency wallet associated with the bank account is obtained.

[0052] The method provided in this application embodiment first determines whether a dedicated sub-wallet for highways is activated, and then obtains the balance of the dedicated sub-wallet. This achieves scenario isolation, permission isolation, and fund isolation between ETC passage and digital currency payment, which improves payment security, toll deduction reliability, and account privacy while ensuring fast passage.

[0053] In some embodiments, the method further includes: Step S104: If the toll fee is greater than the account balance, a fourth notification message is sent to the electronic toll lane system. The electronic toll lane system prohibits the vehicle from passing and outputs a prompt message to prompt the vehicle to pass through the manual lane.

[0054] In this embodiment, the fourth notification message is a notification instruction actively sent by the on-board unit, triggered only in scenarios where "toll fees > account balance" (insufficient balance). Its core function is to inform the electronic toll lane system that "the sub-wallet balance is insufficient, funds cannot be frozen, and normal ETC passage cannot be completed," instructing the electronic toll lane system to execute a passage prohibition operation. The prompt message is a visual or voice prompt output by the electronic toll lane system, the core purpose of which is to clearly inform the vehicle owner that "the current ETC balance is insufficient and passage is impossible," and guide the vehicle owner to complete the toll payment through the manual lane before passing through, ensuring that the vehicle owner clearly understands the subsequent operation process.

[0055] In this embodiment, when the comparison result is "toll fee > account balance," meaning the balance of the highway-dedicated sub-wallet is insufficient to cover the toll fee, the "funds frozen, vehicle released" operation cannot be performed, and this process is immediately triggered. The on-board unit automatically generates a fourth notification message, which clearly includes the core identifier of "insufficient balance, unable to complete ETC passage," without adding extra data (simplifying the communication process and improving response speed), ensuring that the electronic toll lane system can quickly identify the anomaly type. The on-board unit sends the fourth notification message to the electronic toll lane system of the current lane through its own wireless communication module, ensuring accurate delivery of information and avoiding operational errors caused by incorrect transmission. After receiving the fourth notification message, the electronic toll lane system quickly parses the "insufficient balance" identifier in the message, confirms that the current vehicle belongs to the "ETC passage failed" scenario, and immediately activates the anomaly handling mechanism. The electronic toll lane system controls the lane barrier to remain in place. When the ETC lane is closed, the vehicle is prohibited from passing, and the current lane's passage permission is locked (to prevent vehicles from forcibly passing through), ensuring the standardization of the toll collection process. The electronic toll collection lane system simultaneously outputs prompts through the on-site display screen (visual prompts) and voice broadcaster (voice prompts) in the lane. The prompts are clear and unambiguous (e.g., "Insufficient ETC balance, please go to the manual lane to pay the toll"), ensuring that the driver can quickly understand the reason for the abnormality and subsequent operations. After seeing the prompts, the driver drives the vehicle away from the ETC lane and into the manual lane. The staff at the manual lane then verify the vehicle information, collect the toll, and release the vehicle, completing the entire passage process and achieving a seamless connection between "abnormal scenarios and manual backup".

[0056] The method provided in this application avoids the problem of vehicles being allowed to pass due to insufficient balance, which would lead to failure of deduction and inability to recover toll fees in the subsequent clearing and settlement stage, by using the "prohibition of passage when balance is insufficient" operation. At the same time, the combination of prohibition of passage and manual guidance effectively prevents vehicle owners from evading tolls by taking advantage of ETC insufficient balance loopholes, thus ensuring the compliance and reliability of highway toll collection.

[0057] In some embodiments, the method further includes: Step S105: If the toll fee is greater than the account balance, determine whether the highway-dedicated sub-wallet has the automatic recharge function enabled.

[0058] In this embodiment, the automatic top-up function is a high-speed dedicated sub-wallet value-added function pre-activated / subscribed by the user. When the sub-wallet balance is insufficient, the bank is allowed to automatically transfer funds from the linked bank account or digital currency wallet to top up the sub-wallet.

[0059] In this embodiment, the on-board unit compares the toll fee issued by the electronic toll lane system with the balance of its locally stored highway-dedicated sub-wallet. If the toll fee exceeds the account balance, the on-board unit sends a query request to the bank's backend. The query query asks whether the currently bound highway-dedicated sub-wallet is subscribed to / enabled for automatic top-up. The backend returns the enabled status.

[0060] Step S106: If the automatic recharge function is enabled in the high-speed dedicated sub-wallet, notify the bank to recharge the high-speed dedicated sub-wallet.

[0061] In this embodiment, the vehicle-mounted unit sends an automatic top-up instruction to the bank via a wireless communication module. The instruction includes: the vehicle-mounted unit identifier, vehicle information, the highway-dedicated sub-wallet identifier, and the top-up trigger condition (insufficient balance). After the bank verifies the authorization, it transfers funds from the linked bank account or digital wallet to the highway-dedicated sub-wallet.

[0062] Step S107: If the highway-dedicated sub-wallet is successfully recharged, the bank is notified to freeze the account amount in the highway-dedicated sub-wallet that is the same as the toll fee, and a fifth notification message is sent to the electronic toll lane system. The electronic toll lane system then allows the vehicle to pass, and the toll fee is used by the electronic toll lane system to deduct the fee during the clearing and settlement stage.

[0063] In this embodiment of the application, the fifth notification information vehicle unit sends a passage permission instruction to the electronic toll lane system to indicate that: the balance is insufficient but has been automatically recharged and passage is permitted.

[0064] In this embodiment, the bank returns a successful top-up result, the on-board unit immediately sends a freeze command, the bank executes the freeze, and returns a successful freeze response. The on-board unit sends a fifth notification message to the electronic toll lane system. The fifth notification message is used to notify that the balance is insufficient but has been automatically topped up and frozen, allowing passage. The electronic toll lane system controls the barrier to rise, allowing the vehicle to pass.

[0065] The method provided in this application embodiment, when the balance of the dedicated sub-wallet for highways is insufficient, triggers the bank to automatically recharge by judging the automatic recharge function, and then executes the freezing of funds and release of vehicles. This not only ensures uninterrupted and non-stop highway passage, but also realizes that funds are used for their designated purpose and are safe and controllable, significantly improving the convenience, reliability and user experience of ETC digital currency payment.

[0066] In some embodiments, the method further includes: Step S108: If the digital wallet does not have a dedicated high-speed sub-wallet, periodically obtain the vehicle's location information.

[0067] In this embodiment, "periodic" refers to the vehicle-mounted unit triggering positioning according to a preset fixed time interval (e.g., 30min / 1h), mileage interval, or highway network node; "location information" refers to the precise positioning data such as vehicle latitude and longitude, highway section number, and entrance / exit station number obtained by the vehicle-mounted unit through interaction with the built-in GPS / BeiDou module and the roadside unit (RSU).

[0068] In this embodiment, after the vehicle unit confirms that the digital wallet has not activated the highway-specific sub-wallet, it automatically activates the positioning module and collects vehicle location data according to a preset cycle. The positioning data is synchronously uploaded to the local cache of the vehicle unit and simultaneously connected to the highway network database to match the current highway section and driving direction of the vehicle.

[0069] Step S109: Estimate segmented toll fees based on the location information.

[0070] In this embodiment of the application, the segmented toll fee is a pre-estimated staged toll fee based on the vehicle's real-time location, highway network toll rate table, vehicle type standard, and mileage of the traveled section. It is not the final actual toll amount, but only serves as a reference for fund freezing to cover the cost risk of the entire vehicle journey.

[0071] In this embodiment, the on-board unit retrieves the pre-stored highway network toll rate table and vehicle registration information, and calculates the segmented toll fees by road segment and node by combining the real-time location, mileage already traveled, and estimated remaining travel route. If the vehicle travels across road segments, the fees for each segment are automatically added together to generate a total estimated frozen amount, ensuring that the estimated amount covers the actual toll fees for the entire journey and avoiding funding gaps.

[0072] Step S110: Notify the bank corresponding to the bank account to freeze the account amount in the digital wallet that is the same as the segmented toll fee, and obtain the freezing feedback information from the bank. The freezing feedback information is used to indicate whether the freezing was successful.

[0073] In this embodiment, the freeze feedback information is the result message returned by the bank after receiving the freeze instruction from the vehicle unit and executing the fund freeze operation. It is divided into two states: successful freeze (sufficient available funds in the digital wallet, corresponding funds are locked) and failed freeze (insufficient balance in the digital wallet, account abnormality, restricted permissions, etc.). It serves as the basis for subsequent lane release / restriction judgment.

[0074] In this embodiment, the vehicle unit sends a freezing command to the bound bank via a dedicated wireless communication link (such as 5G / V2X). The command includes the vehicle ID, digital wallet identifier, and estimated segmented toll amount. After verifying the account status and available balance of the digital wallet, the bank performs the fund freezing operation and returns freezing feedback information (success / failure) to the vehicle unit. If there are multiple segments frozen, the freezing results of all segments need to be obtained.

[0075] Step S111: When the vehicle leaves the toll road section, a transaction request sent by the electronic toll lane system is obtained, wherein the transaction request includes the toll fee.

[0076] In this embodiment, when a vehicle arrives at the highway exit, the on-board unit wirelessly interacts with the electronic toll lane system, receives the transaction request issued by the lane system, extracts the actual toll fee, replaces the previously estimated fee, and uses it as the basis for final settlement.

[0077] Step S112: If all the frozen feedback information indicates that the freezing was successful, a second notification message is sent to the electronic toll lane system. The electronic toll lane system then releases the vehicle, and the toll fee is used by the electronic toll lane system to deduct the fee during the clearing and settlement phase.

[0078] In this embodiment, the second notification information is a passage permission instruction sent by the on-board unit to the electronic toll lane system, indicating that "the entire segmented freezing was successful and payment capability is available", triggering the lane barrier to lift and allow passage.

[0079] In this embodiment, after the on-board unit verifies that all segment freezing feedbacks are successful, it immediately sends a second notification message to the electronic toll lane system. After the lane system parses the instruction, it controls the barrier to lift and release the vehicle. Subsequently, it enters the clearing and settlement stage, deducting the frozen funds according to the actual toll fees.

[0080] In step S113, if the freezing feedback information indicates that freezing was unsuccessful, a third notification message is sent to the electronic toll lane system. The electronic toll lane system prohibits the vehicle from passing and outputs a prompt message, which prompts the vehicle to pass through the manual lane.

[0081] In this embodiment, the third notification information is a passage prohibition instruction sent by the vehicle unit to the electronic toll lane system, indicating "segment freezing failure and lack of sufficient payment capacity", triggering lane prohibition and pushing manual lane prompt.

[0082] In this embodiment, if any segment of the freeze feedback fails, the on-board unit determines that the payment capacity is insufficient and sends a third notification message to the electronic toll lane system; the lane system keeps the barrier closed and at the same time outputs prompt information through the lane display screen and voice player to guide the vehicle to switch to the manual toll lane to avoid congestion in the ETC lane.

[0083] The method provided in this application allows users who haven't activated their dedicated highway sub-wallet to use ETC digital currency for payment without needing to open a separate account. This breaks down scenario limitations, expands the applicable user base for digital currency ETC, and prevents users from being unable to pass through ETC lanes due to not having activated their sub-wallet. By periodically tracking vehicle travel routes in real time, it estimates costs in segments and freezes funds in advance, locking in payment funds from the source. This solves the problems of arrears and bad debts caused by the traditional ETC "pass first, pay later" model, ensuring the return of funds for highway toll collection agencies. Vehicles with successfully frozen funds can still pass through ETC lanes without stopping, while only vehicles with unfrozen funds are diverted to manual lanes. This retains the advantages of ETC's fast passage while avoiding lane congestion caused by account issues, optimizing traffic order at highway entrances and exits. Segmented freezing aligns with actual travel routes, and estimated amounts align with actual costs, avoiding full freezing that would tie up user funds. During the clearing and settlement phase, fees are deducted based on actual costs, and any over-frozen funds are automatically unfrozen, balancing toll accuracy and user fund liquidity. Only the funds corresponding to the digital wallet are frozen, without touching the linked bank's main account, and the fund operation permissions are controllable; the entire process is initiated by the vehicle unit and verified and executed by the bank, which complies with the regulatory norms and security standards for digital RMB payments.

[0084] In some embodiments, the electronic toll lane system attempts to deduct fees from the bank account during the clearing and settlement phase; if the deduction from the bank account fails, the system notifies the bank to transfer the frozen amount in the highway-dedicated sub-wallet to the bank account, and attempts to deduct fees from the bank account again. The on-board unit can query the account balance in the highway-dedicated sub-wallet, but cannot query the account balance in the bank account.

[0085] In this embodiment, "unsuccessful deduction" refers to a situation where, after the electronic toll lane system initiates a deduction request from the bank account, funds cannot be transferred normally from the bank account due to various abnormal reasons. The core scenario is insufficient bank account balance, but it can also include abnormal situations such as bank account loss, expiration, transaction limits, bank system failure, and communication interruption. This is the only prerequisite for triggering the subsequent "frozen amount transfer." The transfer refers to the operation where, in the event of unsuccessful bank account deduction, the electronic toll lane system triggers an instruction to notify the bank to transfer an equivalent amount of frozen funds from the highway-specific sub-wallet to the user's linked bank account. The core purpose is to make up for the shortfall in bank account funds for deduction, ensuring that subsequent deductions can be completed smoothly; this is a core operation in the fallback process.

[0086] In this embodiment, the clearing and settlement stage can be a periodic deduction and settlement stage for the electronic toll lane system. The electronic toll lane system automatically generates a bank account deduction request, which includes: complete information of the user's bound bank account (such as account number and bank name), the specific amount of the vehicle toll, and the vehicle's passage record (such as passage time, entry / exit section, and vehicle type). This ensures that the bank system can accurately locate the deduction account and clarify the deduction amount, while facilitating subsequent reconciliation and traceability. The electronic toll lane system sends the deduction request to the bank system corresponding to the user's bound bank account through a dedicated encrypted communication link, sending it only to that bank to avoid instruction leakage or transmission errors. After receiving the deduction request, the bank system first verifies the legality and status of the bank account (confirming that the account has not been reported lost, expired, and is in normal status), and then verifies whether the account's real-time balance is sufficient. If the account status is normal and the balance is greater than or equal to the toll, the deduction operation is immediately executed, and the equivalent amount of funds is deducted from the bank account. Once the account is transferred to the designated highway toll account and a "toll deduction successful" response is returned to the electronic toll lane system, the clearing and settlement process ends. If the account status is abnormal or the balance is insufficient, a "toll deduction unsuccessful" response is returned, along with the specific reason for the failure (e.g., "insufficient balance"). After receiving the "toll deduction unsuccessful" response and the reason for failure from the bank, the electronic toll lane system automatically determines that the current bank account cannot complete the toll deduction normally without manual intervention and immediately triggers the highway-specific sub-wallet backup process. The electronic toll lane system generates a "frozen amount transfer request," which includes the unique identifier of the highway-specific sub-wallet, the amount of frozen funds (equivalent to the toll), and the user's linked bank account information, ensuring that the bank system can accurately locate the frozen funds to be transferred and the target account. After generation, the request is sent to the corresponding bank system via a dedicated communication link. After receiving the transfer request, the bank system first verifies the freeze status of the dedicated highway sub-wallet (confirming that the funds are frozen, have not been misappropriated, and that the frozen amount matches the requested amount). Once the verification is successful, the bank immediately executes the fund transfer operation, transferring the equivalent amount of frozen funds in the dedicated highway sub-wallet to the user's linked bank account. After the transfer is completed, the frozen amount in the dedicated highway sub-wallet is automatically unfrozen, and the bank system simultaneously sends a "transfer successful" response to the electronic toll lane system, informing the user that the funds have been replenished to the bank account. After receiving the "Frozen Amount Transfer Successful" response from the bank, the electronic toll lane system confirms that the balance in the user's linked bank account has been replenished (replenishment amount = toll fee for this trip), and immediately generates a "Bank Account Deduction Request" again. The electronic toll lane system sends this newly generated deduction request to the bank system via a dedicated communication link. The bank system verifies the bank account status and balance again (the balance has now been replenished). After confirming that everything is correct, it immediately executes the deduction operation, transferring the equivalent amount of funds to the designated highway toll account and returning a "Deduction Successful" response. This officially concludes the clearing and settlement process. The on-board unit cannot query the account balance in the bank account; that is, the on-board unit cannot obtain or parse any financial information related to the user's main bank account (such as the main account balance or transaction records). It can only interact with the highway's dedicated sub-wallet. The core purpose of this is to isolate the information exchange between the main bank account and the on-board unit, preventing the leakage of main account information and ensuring the safety of user funds. If the deduction from the bank account is successful, the bank is notified to unfreeze the frozen amount.

[0087] The method provided in this application addresses the core pain point of "how to complete toll deduction when the bank account balance is insufficient" by first deducting funds from the bank account and then freezing funds in the sub-wallet as a backup in case of deduction failure. This significantly reduces the risk of toll deduction failure, ensures a closed-loop toll collection process, and guarantees the reliability and stability of highway toll collection. It clearly distinguishes the query permissions of the on-board unit, allowing it to query the balance of the highway-dedicated sub-wallet (to meet ETC verification and user query needs) while prohibiting it from querying the bank account balance (to prevent leakage of the bank's main account information). Simultaneously, the highway-dedicated sub-wallet and the bank's main account funds are isolated and used only for highway toll-related operations. This dual protection reduces the risk of user funds being leaked or stolen, enhancing user security and trust.

[0088] In some embodiments, step S102 can be implemented by the following steps: Step S1021: When the vehicle leaves the toll road section, the road test equipment in the electronic toll lane system is verified.

[0089] In this embodiment of the application, verification refers to the operation of the on-board unit to check the legality and validity of the roadside equipment in the electronic toll lane system before obtaining the transaction request. The core purpose is to confirm that the roadside equipment is a regular highway toll collection device, so as to avoid the risks of information leakage and abnormal transactions caused by the on-board unit communicating with illegal devices. It is a prerequisite security guarantee for obtaining the transaction request.

[0090] In this embodiment, the vehicle-mounted unit sends a verification request to the roadside equipment via a wireless communication link, requesting the roadside equipment to provide its core verification information, which mainly includes: the roadside equipment's unique identifier (used to confirm the equipment's legitimacy and consistency with the highway toll system's registration information), the current toll road segment code (used to confirm that the roadside equipment belongs to the currently exited toll road segment and avoid miscommunication across road segments), and the equipment verification code (used to confirm that the roadside equipment has not been tampered with and is fault-free, ensuring communication security). After receiving the verification request from the vehicle-mounted unit, the roadside equipment automatically provides its own verification information. After receiving the verification information, the vehicle-mounted unit compares it with its own preset registration information (such as the official roadside equipment identifier and road segment code range synchronized in advance by the highway toll system) to complete the legality and validity verification. If the verification information provided by the roadside equipment completely matches the vehicle-mounted unit's preset registration information and the equipment verification code passes the verification, it is determined as "verification passed". If the information does not match, the verification code is invalid, or no verification feedback is received from the roadside equipment, it is determined as "verification failed", and subsequent steps cannot be performed.

[0091] Step S1022: If the verification is successful, obtain the transaction request sent by the electronic toll lane system.

[0092] In this embodiment of the application, verification means that after the on-board unit completes the inspection of the roadside equipment, it confirms that the roadside equipment is a legitimate and valid device (no tampering, no abnormalities, and dedicated to the current toll road section), and meets the standard for the on-board unit to establish secure communication with the roadside equipment and receive transaction requests. This is the only prerequisite for triggering the subsequent "obtain transaction request" step.

[0093] In this embodiment of the application, after the on-board unit determines that the roadside device has passed the verification, it immediately sends a verification pass response to the roadside device, informing the roadside device that it can send the transaction request normally. At this time, the transaction request sending operation of the electronic toll lane system is triggered.

[0094] The method provided in this application verifies the legality of roadside equipment, preventing on-board units from communicating with illegal devices and receiving fraudulent transaction requests. This effectively prevents security risks such as information leakage, transaction tampering, and malicious deductions, ensuring user fund security and ETC transaction compliance.

[0095] Based on the foregoing embodiments, this application provides a toll deduction method applied to an electronic toll lane system. Figure 3 This is a schematic diagram illustrating the implementation process of a billing method provided in an embodiment of this application, such as... Figure 3 As shown, it includes: Step S301: Attempt to deduct toll fees from a bank account based on the toll fee, wherein the bank account is pre-linked to the vehicle's onboard unit.

[0096] In this embodiment, the electronic toll lane system automatically generates a bank account deduction request. The request includes: complete information of the user's bound bank account (account number, bank name), the specific amount of the vehicle toll, and basic vehicle toll records (ensuring the bank can accurately locate the account and clarify the purpose of the deduction for subsequent reconciliation). The electronic toll lane system sends the deduction request to the bank system corresponding to the bank account via a dedicated encrypted communication link. After receiving the deduction request, the bank system first verifies the bank account status (confirming it is not reported lost, not expired, and has no transaction restrictions), and then verifies whether the real-time account balance is greater than or equal to the toll. If both verifications pass, the system immediately executes the deduction operation, transferring the equivalent amount of funds to the designated highway toll account, and returns a "deduction successful" response to the electronic toll lane system, thus ending the deduction process. If any verification fails (i.e., the deduction is unsuccessful), a "deduction unsuccessful" response and the reason for failure are returned.

[0097] Step S302: If the deduction from the bank account fails, notify the bank corresponding to the bank account to transfer the frozen amount to the bank account. The frozen amount is frozen by the vehicle unit when it determines that the toll fee is less than or equal to the account balance. The account balance is the account balance obtained by the vehicle unit from the highway-specific sub-wallet when the vehicle enters the toll section, or the frozen amount is frozen from the digital wallet based on the segmented toll fee.

[0098] In this embodiment, after receiving a transfer request, the bank system first verifies the frozen status of the dedicated highway sub-wallet or digital currency wallet (confirming that the funds are frozen, have not been misappropriated, and that the frozen amount matches the requested amount). If the verification is successful, the system immediately executes the transfer of the equivalent amount of funds frozen in the dedicated highway sub-wallet or digital currency wallet to the user's linked bank account. After the transfer is completed, the frozen amount in the dedicated highway sub-wallet or digital currency wallet is automatically unfrozen, and the bank system returns a "transfer successful" response to the electronic toll lane system, informing the user that the funds have been replenished to the bank account.

[0099] Step S303: Attempt to deduct the fee from the bank account again.

[0100] In this embodiment, after receiving the "transfer successful" response from the bank, the electronic toll lane system confirms that the bank account balance has been replenished (replenishment amount = toll for this trip), and immediately generates another bank account deduction request. The electronic toll lane system sends the newly generated deduction request to the bank system through a dedicated encrypted communication link. The bank system verifies the bank account status and balance again (at this time the balance is sufficient and the status is normal). After confirming that there are no errors, it immediately executes the deduction operation, transfers the equivalent amount of funds to the designated highway toll account, and returns a "deduction successful" response, thus officially ending the deduction process.

[0101] The method provided in this application embodiment, which adopts a standardized process of "first deducting from the bank account, and then using frozen funds from a dedicated highway sub-wallet or digital currency wallet to cover the losses if the deduction fails," specifically addresses the core pain point of "insufficient bank account balance leading to deduction failure." By transferring frozen funds for supplementary deduction, it ensures that toll fees can be successfully recovered, guarantees the reliability of highway toll collection, and fills the gaps in the single deduction method.

[0102] Based on the foregoing embodiments, this application provides a management method for an electronic non-stop toll collection system. Figure 4 A schematic diagram illustrating the implementation process of a management method for an electronic non-stop toll collection system provided in this application embodiment is shown below. Figure 4 As shown, it includes: Step S401: When a vehicle enters a toll road section, the OBU obtains the account balance of the highway-specific sub-wallet in the digital wallet associated with the bank account and stores the account balance. In step S402, when the vehicle leaves the toll road section, the OBU obtains a transaction request sent by the electronic toll lane system, wherein the transaction request includes the toll fee; In step S403, if the toll fee is less than or equal to the account balance, the OBU notifies the bank corresponding to the bank account to freeze the account amount in the highway dedicated sub-wallet that is the same as the toll fee, and sends a first notification message to the electronic toll lane system. The electronic toll lane system then allows the vehicle to pass, and the toll fee is used by the electronic toll lane system to deduct the fee during the clearing and settlement stage.

[0103] In step S404, the electronic toll lane system attempts to deduct the toll from the bank account based on the toll amount.

[0104] In step S405, if the electronic toll lane system fails to deduct the toll from the bank account, it notifies the bank corresponding to the bank account to transfer the frozen amount in the highway-specific sub-wallet to the bank account.

[0105] In step S406, the electronic toll lane system attempts again to deduct the fee from the bank account.

[0106] Based on the foregoing embodiments, Figure 5 A schematic diagram of the management method of the electronic non-stop toll collection system provided in the embodiments of this application, as shown below. Figure 5 As shown, the process is divided into four stages: the secondary issuance stage, the stage after passing through a specific gantry, the lane exit stage, and the clearing and settlement stage. In the secondary issuance stage, the main focus is on soft wallet binding. The OBU's soft wallet is bound to a bank card's dedicated high-speed communication sub-wallet. After a vehicle enters the highway, the OBU proactively retrieves the sub-wallet account balance from the bank through the platform when passing through a specific gantry and updates it locally. After the OBU and the lane exit RSU complete authentication and authorization, the RSU sends a transaction request containing the toll amount to the OBU. The OBU compares the balance with the toll amount. If the toll amount is less than the balance, the ETC transaction process is initiated, and the bank is notified through the platform to freeze the toll amount corresponding to the soft wallet order; if the balance is insufficient, the toll is refused. Finally, in the clearing and settlement stage, the issuer (electronic toll lane system) first attempts to deduct the corresponding toll from the bank card. If the bank card balance is sufficient, the toll is deducted directly, and the transaction is completed; if the bank card balance is insufficient, the frozen amount is withdrawn from the soft wallet to the bank card, and then the toll is deducted from the bank card.

[0107] The method provided in this application does not require additional hardware like a hard wallet, and can solve the bad debt problem caused by the prepayment and postpayment model of the existing ETC toll collection system without changing the existing highway toll collection system. It is safer and more efficient than the existing ETC system and fills the gap in this area.

[0108] It should be understood that the sequence number of each step in the above embodiments does not imply the order of execution. The execution order of each process should be determined by its function and internal logic, and should not constitute any limitation on the implementation process of the embodiments of this application.

[0109] According to the foregoing embodiments, this application provides a management device for an electronic non-stop toll collection system. The various modules and units included in the device can be implemented by a processor in a computer device; of course, they can also be implemented by specific logic circuits. In the implementation process, the processor can be a central processing unit (CPU), a microprocessor (MPU), a digital signal processor (DSP), or a field programmable gate array (FPGA), etc.

[0110] This application provides a management device for an electronic non-stop toll collection system. Figure 6This application provides a schematic diagram of the structure of a management device for an electronic non-stop toll collection system, applied to an on-board unit in a vehicle, such as... Figure 6 As shown, the management device 600 of the electronic toll collection system includes: The first acquisition module 601 is used to acquire the account balance of the highway-specific sub-wallet in the digital wallet associated with the bank account when the vehicle enters the toll road section, and to store the account balance; The second acquisition module 602 is used to acquire a transaction request sent by the electronic toll lane system when the vehicle leaves the toll section, wherein the transaction request includes the toll fee. The management module 603 is used to notify the bank corresponding to the bank account to freeze the account amount in the highway dedicated sub-wallet that is the same as the toll fee when the toll fee is less than or equal to the account balance, and to send a first notification message to the electronic toll lane system. The electronic toll lane system then allows the vehicle to pass, and the toll fee is used by the electronic toll lane system to deduct the fee during the clearing and settlement stage.

[0111] In some embodiments, the first acquisition module includes: The sending unit is used to send a query request to the bank corresponding to the bank account, the query request being used to query the account balance in the high-speed dedicated sub-wallet; The first acquisition unit is used to acquire the response information returned by the bank; The extraction unit is used to obtain the account balance in the high-speed dedicated sub-wallet associated with the bank account based on the response information.

[0112] In some embodiments, the management device 600 of the electronic toll collection system further includes: The judgment module is used to determine whether the digital currency wallet has a high-speed dedicated sub-wallet enabled. If the digital currency wallet has a high-speed dedicated sub-wallet enabled, the module obtains the account balance of the high-speed dedicated sub-wallet in the digital currency wallet associated with the bank account.

[0113] In some embodiments, the management device 600 of the electronic toll collection system further includes: The third acquisition module is used to periodically acquire the location information of the vehicle when the digital wallet does not have a dedicated high-speed sub-wallet. The estimation module is used to estimate the segmented toll fees based on the location information; The first notification module is used to notify the bank corresponding to the bank account to freeze the account amount of the digital wallet and the segmented toll fee, and to obtain the freezing feedback information from the bank. The freezing feedback information is used to indicate whether the freezing was successful. The fourth acquisition module is used to acquire a transaction request sent by the electronic toll lane system when the vehicle leaves the toll section, wherein the transaction request includes the toll fee; The first sending module is used to send a second notification message to the electronic toll lane system when the frozen feedback information indicates that the freezing is successful. The electronic toll lane system then releases the vehicle, and the toll fee is used by the electronic toll lane system to deduct the fee during the clearing and settlement stage. The second sending module is used to send a third notification message to the electronic toll lane system if the response message fails to freeze. The electronic toll lane system prohibits the vehicle from passing and outputs a prompt message to prompt the vehicle to pass through the manual lane.

[0114] In some embodiments, the management device for the electronic toll collection system further includes: The third sending module is used to send a fourth notification message to the electronic toll lane system when the toll fee is greater than the account balance. The electronic toll lane system prohibits the vehicle from passing and outputs a prompt message to prompt the vehicle to pass through the manual lane.

[0115] In some embodiments, the management device for the electronic toll collection system further includes: The determination module is used to determine whether the automatic recharge function of the highway-dedicated sub-wallet is enabled when the toll fee is greater than the account balance. The second notification module is used to notify the bank to recharge the high-speed dedicated sub-wallet when the automatic recharge function is enabled. The third notification module is used to notify the bank to freeze the account amount in the highway dedicated sub-wallet that is the same as the toll fee when the highway dedicated sub-wallet is successfully recharged, and to send a fifth notification message to the electronic toll lane system. The electronic toll lane system then allows the vehicle to pass, and the toll fee is used by the electronic toll lane system to deduct the fee during the clearing and settlement stage.

[0116] In some embodiments, the electronic toll lane system attempts to deduct fees from the bank account during the clearing and settlement phase; if the deduction from the bank account fails, the system notifies the bank to transfer the frozen amount in the highway-dedicated sub-wallet to the bank account, and attempts to deduct fees from the bank account again. The on-board unit can query the account balance in the highway-dedicated sub-wallet, but cannot query the account balance in the bank account.

[0117] In some embodiments, the second acquisition module includes: The verification unit is used to verify the road test equipment in the electronic toll lane system when the vehicle leaves the toll section. The acquisition unit is used to acquire the transaction request sent by the electronic toll lane system if the verification is successful.

[0118] It should be noted that the information interaction and execution process between the above-mentioned devices / units are based on the same concept as the method embodiments of this application. For details on their specific functions and technical effects, please refer to the method embodiments section, and they will not be repeated here.

[0119] In addition, the management device of the electronic non-stop toll collection system described above can be a software unit, a hardware unit, or a combination of software and hardware. It can also be integrated into electronic devices as an independent component, or exist as an independent terminal device.

[0120] Those skilled in the art will clearly understand that, for the sake of convenience and brevity, the above-described division of functional units and modules is merely an example. In practical applications, the above functions can be assigned to different functional units and modules as needed, that is, the internal structure of the device can be divided into different functional units or modules to complete all or part of the functions described above. The functional units and modules in the embodiments can be integrated into one processing unit, or each unit can exist physically separately, or two or more units can be integrated into one unit. The integrated unit can be implemented in hardware or as a software functional unit. Furthermore, the specific names of the functional units and modules are only for easy differentiation and are not intended to limit the scope of protection of this application. The specific working process of the units and modules in the above system can be referred to the corresponding process in the foregoing method embodiments, and will not be repeated here.

[0121] Figure 7 This is a schematic diagram of the structure of an electronic device provided in an embodiment of this application. Figure 7 As shown, the electronic device 3 in this embodiment may include: at least one processor 30 ( Figure 7 Only one processor 30, memory 31, and computer program 32 stored in memory 31 and executable on at least one processor 30 are shown. When the processor 30 executes the computer program 32, it implements the steps in any of the above method embodiments, or the processor 30 executes the computer program 32 to implement the functions of each module / unit in the above device or system embodiments.

[0122] For example, computer program 32 may be divided into one or more modules / units, one or more of which are stored in memory 31 and executed by processor 30 to complete this application. One or more modules / units may be a series of computer program 32 instruction segments capable of performing a specific function, which describe the execution process of computer program 32 in electronic device 3.

[0123] This application also provides a computer-readable storage medium storing a computer program 32, which, when executed by a processor 30, implements the steps described in the above-described method embodiments.

[0124] This application provides a computer program product that, when run on an electronic device, enables the electronic device to perform the steps described in the various method embodiments above.

[0125] If the integrated unit is implemented as a software functional unit and sold or used as an independent product, it can be stored in a computer-readable storage medium. Based on this understanding, all or part of the processes in the methods of the above embodiments of this application can be implemented by a computer program 32 instructing related hardware. The computer program 32 can be stored in a computer-readable storage medium, and when executed by the processor 30, it can implement the steps of the various method embodiments described above. The computer program 32 includes computer program code, which can be in the form of source code, object code, executable files, or certain intermediate forms. A computer-readable medium can include at least: any entity or device capable of carrying computer program code to a terminal, a recording medium, a computer memory, a read-only memory (ROM), a random access memory (RAM), an electrical carrier signal, a telecommunication signal, and a software distribution medium. Examples include USB flash drives, portable hard drives, magnetic disks, or optical disks. In some jurisdictions, according to legislation and patent practice, a computer-readable medium cannot be an electrical carrier signal or a telecommunication signal.

[0126] In the above embodiments, the descriptions of each embodiment have different focuses. For parts that are not described in detail or recorded in a certain embodiment, please refer to the relevant descriptions of other embodiments.

[0127] Those skilled in the art will recognize that the units and algorithm steps of the various examples described in conjunction with the embodiments disclosed herein can be implemented in electronic hardware, or a combination of computer software and electronic hardware. Whether these functions are 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 application.

[0128] In the embodiments provided in this application, it should be understood that the disclosed apparatus / network devices and methods can be implemented in other ways. For example, the apparatus / network device embodiments described above are merely illustrative. For instance, the division of modules or units is only a logical functional division, and in actual implementation, there may be other division methods. For example, multiple units or components may be combined or integrated into another system, or some features may be ignored or not executed. Furthermore, the coupling or direct coupling or communication connection shown or discussed may be through some interfaces; the indirect coupling or communication connection between devices or units may be electrical, mechanical, or other forms.

[0129] The units described as separate components may or may not be physically separate. The components shown as units may or may not be physical units; that is, they may be located in one place or distributed across multiple network units. Some or all of the units can be selected to achieve the purpose of this embodiment according to actual needs.

[0130] 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 management method for an electronic non-stop toll collection system, characterized in that, An on-board unit used in a vehicle, the on-board unit being pre-linked to a bank account, the method comprising: When a vehicle enters a toll road section, the account balance of the highway-specific sub-wallet in the digital wallet associated with the bank account is obtained and stored. When the vehicle exits the toll road section, a transaction request sent by the electronic toll lane system is obtained, wherein the transaction request includes the toll fee; If the toll fee is less than or equal to the account balance, the bank corresponding to the bank account is notified to freeze the account amount in the highway dedicated sub-wallet that is the same as the toll fee, and a first notification message is sent to the electronic toll lane system. The electronic toll lane system then allows the vehicle to pass, and the toll fee is used by the electronic toll lane system to deduct the fee during the clearing and settlement stage.

2. The method according to claim 1, characterized in that, The method further includes: Determine whether the digital currency wallet has a dedicated high-speed sub-wallet enabled. If the digital currency wallet has a dedicated high-speed sub-wallet enabled, obtain the account balance of the dedicated high-speed sub-wallet in the digital currency wallet associated with the bank account.

3. The method according to claim 2, characterized in that, The method further includes: In the absence of a dedicated highway sub-wallet in the digital wallet, the location information of the vehicle is periodically obtained; The segmented travel cost is estimated based on the location information; The bank corresponding to the bank account is notified to freeze the amount in the digital wallet account that is the same as the segmented toll fee, and the bank's freeze feedback information is obtained. The freeze feedback information is used to indicate whether the freeze was successful. When the vehicle exits the toll road section, a transaction request sent by the electronic toll lane system is obtained, wherein the transaction request includes the toll fee; If the freezing feedback information indicates that the freezing is successful, a second notification message is sent to the electronic toll lane system, and the electronic toll lane system releases the vehicle. The toll fee is used by the electronic toll lane system to deduct the fee during the clearing and settlement stage. If the freeze feedback information indicates that the freeze was unsuccessful, a third notification message is sent to the electronic toll lane system. The electronic toll lane system then prohibits the vehicle from passing and outputs a prompt message to instruct the vehicle to pass through the manual lane.

4. The method according to claim 1, characterized in that, The method further includes: If the toll fee exceeds the account balance, a fourth notification message is sent to the electronic toll lane system. The electronic toll lane system then prohibits the vehicle from passing and outputs a prompt message to remind the vehicle to use the manual lane.

5. The method according to claim 1, characterized in that, The method further includes: If the toll fee is greater than the account balance, determine whether the automatic recharge function should be enabled in the highway-dedicated sub-wallet; If the automatic top-up function is enabled in the dedicated high-speed sub-wallet, the bank will be notified to top up the dedicated high-speed sub-wallet. Upon successful top-up of the dedicated highway sub-wallet, the bank is notified to freeze the account balance in the dedicated highway sub-wallet equal to the toll amount, and a fifth notification message is sent to the electronic toll lane system. The electronic toll lane system then allows the vehicle to pass, and the toll amount is used by the electronic toll lane system to deduct fees during the clearing and settlement phase.

6. The method according to any one of claims 1 to 5, characterized in that, The electronic toll lane system attempts to deduct fees from the bank account during the clearing and settlement phase. If the deduction from the bank account fails, the system notifies the bank to transfer the frozen amount in the highway-dedicated sub-wallet to the bank account and attempts to deduct fees from the bank account again. The on-board unit can query the account balance in the highway-dedicated sub-wallet, but cannot query the account balance in the bank account.

7. A method for deducting fees, characterized in that, The method, applied to an electronic toll lane system, includes: An attempt is made to deduct toll fees from a bank account, wherein the bank account is pre-linked to an onboard unit in the vehicle; If the deduction from the bank account fails, the bank corresponding to the bank account will be notified to transfer the frozen amount to the bank account. The frozen amount is the amount frozen by the vehicle unit when it determines that the toll fee is less than or equal to the account balance. The account balance is the account balance obtained by the vehicle unit from the highway-specific sub-wallet when the vehicle enters the toll section. Alternatively, the frozen amount is frozen from the digital wallet based on the segmented toll fee. Try deducting the fee from the bank account again.

8. A management device for an electronic non-stop toll collection system, characterized in that, An on-board unit used in vehicles, the on-board unit being pre-linked to a bank account, including: The first acquisition module is used to acquire the account balance of the highway-specific sub-wallet in the digital wallet associated with the bank account when the vehicle enters the toll section, and to store the account balance; The second acquisition module is used to acquire a transaction request sent by the electronic toll lane system when the vehicle leaves the toll section, wherein the transaction request includes the toll fee; The management module is used to notify the bank corresponding to the bank account to freeze the account amount in the highway dedicated sub-wallet that is the same as the toll fee when the toll fee is less than or equal to the account balance, and to send a first notification message to the electronic toll lane system. The electronic toll lane system then allows the vehicle to pass, and the toll fee is used by the electronic toll lane system to deduct the fee during the clearing and settlement stage.

9. An electronic device comprising a memory, a processor, and a computer program stored in the memory and executable on the processor, characterized in that, When the processor executes the computer program, it implements the method as described in any one of claims 1 to 6 or the method as described in claim 7.

10. A management system, characterized in that, include: The vehicle-mounted unit and the electronic toll lane system are communicatively connected, the vehicle-mounted unit is used to implement the method of any one of claims 1 to 6, and the electronic toll lane system is used to implement the method of claim 7.

Images