CN112001722A - ETC toll payment method and system - Google Patents

Abstract

An ETC toll payment method and system disclosed in the present application include: when a vehicle passes through a toll gate, acquiring an identification number of the vehicle; acquiring a payment account corresponding to the identification number according to the identification number; When the payment account signs a payment method with an accumulated limit, the toll of the vehicle is accumulated until the accumulated value of the communication fee exceeds the preset limit, and the payment account performs a payment operation. Since the preset limit value will be greater than the current vehicle's high-speed toll, when the customer's vehicle passes through the high-speed toll station, the customer's payment account will not be debited immediately, but the current toll will be accumulated until the accumulated value When the preset limit is exceeded, the payment account will only perform payment operations. Therefore, the technical solution can reduce the frequency of payment operations performed by the payment account, and display the small tolls in the bill in a consolidated manner, thereby facilitating the customer to perform account reconciliation processing.

Description

A kind of ETC toll payment method and system

technical field

The present application relates to the technical field of data processing, and in particular, to a method and system for paying ETC tolls.

Background technique

Electronic toll collection (ETC, Electronic Toll Collection) is a method of automatic toll collection on highways or bridges.

Taking the expressway as an example, at present, the toll collection process of ETC is that the customer's vehicle first passes through the expressway, and after the vehicle passes, the toll information is sent to the bank, and the bank completes the follow-up payment operation.

However, for customers who often travel on highways, more small tolls will be displayed in the customer's bank statement, which is not conducive to customer reconciliation processing.

SUMMARY OF THE INVENTION

In order to solve the above technical problems, the present application provides a method and system for paying ETC tolls. After the tolls are accumulated to a certain amount, the payment operation is performed, which reduces the frequency of payment.

The embodiments of the present application disclose the following technical solutions:

In the first aspect, the present application provides a payment method for ETC tolls, including:

When the vehicle passes through the toll gate, obtain the identification number of the vehicle;

According to the identification number, obtain the payment account corresponding to the identification number;

When the payment account signs a payment method with an accumulated limit, the toll of the vehicle is accumulated until the accumulated value of the communication fee exceeds the preset limit, and the payment account performs a payment operation.

Optionally, the method further includes:

When the payment account fails to perform the payment operation, feedback information is generated, and the feedback information is used to indicate that the payment operation is completed within a preset time.

Optionally, the method further includes:

When the balance of the payment account is less than the accumulated value of the communication fee, it is determined that the payment operation of the payment account fails.

Optionally, the method further includes:

When the payment account fails to complete the payment operation within the preset time, the identification number is marked to restrict the high-speed passage of the vehicle.

Optionally, the method further includes:

obtain the outstanding value of the payment account;

When the unpaid value is repaid in the payment account, the marking of the identification number is canceled, so as to release the restriction on the high-speed passage of the vehicle.

Optionally, the preset amount is obtained according to historical payment information of the payment account.

In a second aspect, the application provides a payment system for ETC tolls, including: an identification module and a processing module;

The identification module is used to obtain the identification number of the vehicle when the vehicle passes through the toll gate;

According to the identification number, obtain the payment account corresponding to the identification number;

The processing module is used for accumulating the toll of the vehicle when the payment account signs the payment method of accumulative limit, until the accumulative value of the communication fee exceeds the preset limit, the payment account performs the payment operation .

Optionally, the system further includes: a feedback module;

The feedback module is configured to generate feedback information when the payment account fails to perform the payment operation, and the feedback information is used to indicate that the payment operation is completed within a preset time.

Optionally, the processing module is further configured to determine that the payment account fails to perform the payment operation when the balance of the payment account is less than the accumulated value of the communication fee.

Optionally, the processing module is further configured to mark the identification number when the payment account fails to complete the payment operation within the preset time, so as to restrict the high-speed passage of the vehicle.

Optionally, the processing module is further configured to obtain the outstanding payment value of the payment account;

When the unpaid value is repaid in the payment account, the marking of the identification number is canceled, so as to release the restriction on the high-speed passage of the vehicle.

Optionally, the preset amount is obtained according to historical payment information of the payment account.

As can be seen from the above technical solutions, the present application has the following advantages:

The present application provides a method and system for paying ETC tolls. The method includes: when a vehicle passes through a toll gate, obtaining an identification number of the vehicle; obtaining a payment account corresponding to the identification number according to the identification number; When the payment account signs a payment method with an accumulated limit, the toll of the vehicle is accumulated until the accumulated value of the communication fee exceeds the preset limit, the payment account performs a payment operation. Since the preset limit value will be greater than the high-speed toll of the current vehicle, when the customer's vehicle passes through the high-speed toll station, the customer's payment account will not be debited immediately, but the toll will be accumulated until the accumulated value When the preset limit is exceeded, the payment account will only perform payment operations. Therefore, the technical solution can reduce the frequency of payment operations performed by the payment account, and display the small tolls in the bill in a consolidated manner, thereby facilitating the reconciliation processing of the customer.

Description of drawings

In order to more clearly illustrate the embodiments of the present application or the technical solutions in the prior art, the following briefly introduces the accompanying drawings required for the description of the embodiments or the prior art. Obviously, the drawings in the following description are only These are some embodiments of the present application. For those of ordinary skill in the art, other drawings can also be obtained based on these drawings without any creative effort.

Fig. 1 is the flow chart of the payment method of a kind of ETC toll fee provided by this application;

Fig. 2 is the flow chart of the payment method of another kind of ETC toll provided by this application;

Fig. 3 is the flow chart of another kind of ETC toll payment method that this application provides;

Fig. 4 is the flow chart of the payment method of another kind of ETC toll provided by this application;

FIG. 5 is a schematic diagram of an ETC toll payment system provided by the present application.

Detailed ways

ETC stands for electronic non-stop toll collection on expressways. Currently, the mainstream post-payment model for expressways is that the customer's vehicle first passes through the expressway, and after the passage is completed, the toll information is sent to the bank, and the bank completes the follow-up payment and other actions. For some government units and financial units, due to their own accounting mechanisms, they cannot meet the needs of real-time deductions. Enterprise customers don't want to show a bunch of small amount of toll deductions on their account statements, but want to combine them as toll deductions.

In order to solve the above problems, the present application provides a method and system for paying ETC tolls. The method includes: when a vehicle passes through a toll gate, acquiring the identification number of the vehicle; and acquiring the identification number corresponding to the identification number according to the identification number When the payment account signs the payment method of accumulative limit, the toll of the vehicle is accumulated until the accumulated value of the communication fee exceeds the preset limit, the payment account performs the payment operation. Since the preset limit value will be greater than the high-speed toll of the current vehicle, when the customer's vehicle passes through the high-speed toll station, the customer's payment account will not be debited immediately, but the toll will be accumulated until the accumulated value When the preset limit is exceeded, the payment account will only perform payment operations. Therefore, the technical solution can reduce the frequency of payment operations performed by the payment account, and display the small tolls in the bill in a consolidated manner, thereby facilitating the reconciliation processing of the customer.

In order to make those skilled in the art better understand the solutions of the present application, the technical solutions in the embodiments of the present application will be clearly and completely described below with reference to the accompanying drawings in the embodiments of the present application. Obviously, the described embodiments are only It is a part of the embodiments of the present application, but not all of the embodiments. Based on the embodiments in the present application, all other embodiments obtained by those of ordinary skill in the art without creative efforts shall fall within the protection scope of the present application.

Method Embodiment 1:

Embodiment 1 of the present application provides a method for paying ETC tolls, which will be described in detail below with reference to the accompanying drawings.

Refer to FIG. 1 , which is a flowchart of an ETC toll payment method provided by the present application.

The method includes the following steps:

Step 101: When the vehicle passes through the toll gate, obtain the identification number of the vehicle.

It is understandable that there will be dedicated toll gates for ETC at the toll gates of the expressway, and image acquisition devices, such as cameras, will be installed at the toll gates. Image capture devices are used to capture vehicle identification numbers, such as license plate numbers. After the user's vehicle has gone through the ETC business, the vehicle's identification number will be bound to the user's payment account for payment operations.

Step 102: Acquire a payment account corresponding to the identification number according to the identification number.

After the image acquisition device has collected the identification number of the vehicle, the payment account corresponding to the identification number can be determined according to the corresponding relationship between the identification number, the preset identification number and the preset payment account. There is a payment account corresponding to this identification number.

In one case, multiple identification numbers may correspond to a payment account.

When multiple identification numbers can correspond to one payment account, it can be for the user's family to own multiple vehicles. For example, the identification number of family member A is X-A12345, and the identification number of family member B is X-B12345. The family can choose A bank card is dedicated to ETC payment, therefore, both X-A12345 and X-B12345 can be bound to the payment account of the bank card.

As a result, the family's ETC payment information can be processed centrally, rather than scattered among multiple payment accounts, so as to facilitate user reconciliation and improve user experience.

Similarly, for enterprise-level users, the company's corporate account is unique, but there may be multiple vehicles in the enterprise. Therefore, to facilitate payment and vehicle management, the identification numbers of multiple vehicles can be associated with the unique pair. Bind the public account.

Step 103 : when the payment account signs the payment method of accumulative limit, the toll of the vehicle is accumulated until the accumulated value of the communication fee exceeds the preset limit, the payment account performs the payment operation.

In order to reduce the frequency of payment operations performed by the payment account, before the payment account performs the payment operation, it is first determined whether the payment account has signed a payment method with a cumulative limit. After the business personnel review is completed, the accumulated quota value will be automatically generated according to the historical payment information of the payment account.

When the user's payment account has an accumulated limit value, before the payment account performs a payment operation, it is also necessary to determine whether the accumulated value of the toll exceeds the preset limit, that is, whether it exceeds the accumulated limit value. When the accumulated limit value is exceeded, the payment account will perform the payment operation; when the accumulated limit value is not exceeded, the current communication fee will be recorded, the toll fee will be accumulated, and the payment account will not perform the payment operation.

The cumulative limit value is variable, and the cumulative limit value can be 200, 500, 1000, etc., and can be set by those skilled in the art according to actual needs.

When accumulating the communication fee, the bank will replace the payment account to perform the payment operation, that is, the bank will advance the toll fee to the transportation department. fee to the bank.

In order to facilitate the understanding of those skilled in the art, the technical solutions of the present application are described in detail below with reference to specific operation procedures.

Refer to FIG. 2 , which is a flowchart of another method for paying ETC tolls provided by the present application.

The process includes the following steps:

Step 201: Sign the contract for accumulative payment.

Users can make cumulative payment through the online store or the front end of the APP, and can also view their own contract information through the APP. When a new contract user needs to apply, the business personnel will review and approve the application. Through the APP, the vehicle information under the user name can also be added according to the user's needs.

Step 202: Process the payment request document.

When the user's vehicle passes through the toll gate of the toll station on the expressway, the Ministry of Transport will send the payment request document to the bank, and the bank can identify the information of the user's vehicle according to the payment request document, and then can know the user's payment account.

Step 203: Whether it is contract accumulative payment data.

After the user's payment account is identified, it can be determined from the database whether there is accumulated payment data corresponding to the payment account, so it can be known whether the user's payment account has signed a contract for accumulated payment.

Step 204: The bank pays the toll in advance.

If the user's payment account has signed the accumulative payment, the bank will advance the toll in advance.

Step 205: Whether the accumulated value of the toll exceeds the preset amount.

Step 206: Debit the payment account.

When the accumulated value of the toll exceeds the preset amount, the payment will be deducted from the payment account immediately.

Step 207: Whether the deduction is successful.

When the balance of the payment account is less than the accumulated value of the communication fee, it is determined that the payment operation of the payment account fails.

When the payment account fails to perform the payment operation, feedback information is generated, and the feedback information is used to indicate that the payment operation is completed within a preset time.

Step 208: blacklist processing.

When the deduction fails, the user is prompted to perform a payment operation within a preset time period, and when the payment account fails to complete the payment operation within the preset time period, the identification number is marked to restrict the vehicle Make high-speed traffic.

In addition, the method further includes: acquiring the underpaid value of the payment account; after the payment account has repaid the underpaid value, canceling the marking of the identification number, so as to release the high-speed passage of the vehicle. limit.

Optionally, the preset amount is obtained according to historical payment information of the payment account.

The present application provides a method for paying ETC tolls, the method includes: when a vehicle passes through a toll gate, acquiring an identification number of the vehicle; acquiring a payment account corresponding to the identification number according to the identification number; When the payment account signs the payment method of accumulated limit, the toll of the vehicle is accumulated until the accumulated value of the communication fee exceeds the preset limit, the payment account performs the payment operation. Since the preset limit value will be greater than the high-speed toll of the current vehicle, when the customer's vehicle passes through the high-speed toll station, the customer's payment account will not be debited immediately, but the toll will be accumulated until the accumulated value When the preset limit is exceeded, the payment account will only perform payment operations. Therefore, the technical solution can reduce the frequency of payment operations performed by the payment account, and display the small tolls in the bill in a consolidated manner, thereby facilitating the reconciliation processing of the customer.

Method embodiment two:

In the above embodiment, the relationship between the accumulated value of the toll and the preset amount is introduced, so that the payment account can perform the payment operation. In addition, such a customer will have an amount to pay in the account on a specified date. The following describes the cycle-based method for payment operations.

Refer to FIG. 3 , which is a flowchart of another method for paying ETC tolls provided by the present application.

The method includes the following steps:

Step 301: When the vehicle passes through the toll gate, obtain the identification number of the vehicle.

It is understandable that there will be dedicated toll gates for ETC at the toll gates of the expressway, and image acquisition devices, such as cameras, will be installed at the toll gates. Image capture devices are used to capture vehicle identification numbers, such as license plate numbers. After the user's vehicle has gone through the ETC business, the vehicle's identification number will be bound to the user's payment account for payment operations.

Step 302: Acquire a payment account corresponding to the identification number according to the identification number.

After the image acquisition device has collected the identification number of the vehicle, the payment account corresponding to the identification number can be determined according to the corresponding relationship between the identification number, the preset identification number and the preset payment account. There is a payment account corresponding to this identification number.

In one case, multiple identification numbers may correspond to a payment account.

When multiple identification numbers can correspond to one payment account, it can be for the user's family to own multiple vehicles. For example, the identification number of family member A is X-A12345, and the identification number of family member B is X-B12345. The family can choose A bank card is dedicated to ETC payment, therefore, both X-A12345 and X-B12345 can be bound to the payment account of the bank card.

As a result, the family's ETC payment information can be processed centrally, rather than scattered among multiple payment accounts, so as to facilitate user reconciliation and improve user experience.

Similarly, for enterprise-level users, the company's corporate account is unique, but there may be multiple vehicles in the enterprise. Therefore, to facilitate payment and vehicle management, the identification numbers of multiple vehicles can be associated with the unique pair. Bind the public account.

Step 303 : when the payment account signs the periodic payment method, the toll of the vehicle is accumulated until the payment period, and the payment account performs a payment operation on the accumulated value of the communication fee.

In order to reduce the frequency of payment operations performed by the payment account, before the payment account performs the payment operation, it is first determined whether the payment account has signed a periodic payment method; wherein, the periodic payment method means that each period, the communication is deducted from the user's payment account. The cumulative value of the fee.

That is to say, during the cycle, when the user's vehicle passes through the toll gate of the toll station on the expressway, the bank will pay the communication fee in advance. At the same time, the bank will accumulate the communication fee of the vehicle until the payment cycle. The accumulated value of the above communication fee is used for payment operation.

The payment cycle may be 7 days, 15 days, 30 days, 90 days, etc., and those skilled in the art can select the payment cycle according to actual needs.

In order to facilitate the understanding of those skilled in the art, the technical solutions of the present application are described in detail below with reference to specific operation procedures.

Refer to FIG. 4 , which is a flowchart of yet another method for paying ETC tolls provided by the present application.

The process includes the following steps:

Step 401: contract period payment.

Users can make periodic payment through the online store or the front end of the APP, and can also view their own contract information through the APP. When the new contract user needs to apply, the business personnel will review and approve the application. Through the APP, the vehicle information under the user name can also be added according to the user's needs.

Step 402: Process the payment request file.

When the user's vehicle passes through the toll gate of the toll station on the expressway, the Ministry of Transport will send the payment request document to the bank, and the bank can identify the information of the user's vehicle according to the payment request document, and then can know the user's payment account.

Step 403: Whether the data is paid for the contract period.

After identifying the user's payment account, it can be determined from the database whether there is periodic payment data corresponding to the payment account, so it can be known whether the user's payment account has signed a contract for periodic payment.

Step 404: The bank pays the toll in advance.

If the user's payment account has signed periodic payment, the bank will advance the toll fee in advance.

Step 405: Whether the payment cycle is reached.

Step 406: Debit the payment account.

When the period value of the toll exceeds the preset amount, the payment will be deducted from the payment account immediately.

Step 407: Whether the deduction is successful.

When the balance of the payment account is less than the accumulated value of the communication fee, it is determined that the payment operation of the payment account fails.

When the payment account fails to perform the payment operation, feedback information is generated, and the feedback information is used to indicate that the payment operation is completed within a preset time.

Step 408: blacklist processing.

When the deduction fails, the user is prompted to perform a payment operation within a preset time period, and when the payment account fails to complete the payment operation within the preset time period, the identification number is marked to restrict the vehicle Make high-speed traffic.

In addition, the method further includes: acquiring the underpaid value of the payment account; after the payment account has repaid the underpaid value, canceling the marking of the identification number, so as to release the high-speed passage of the vehicle. limit.

In addition, the methods described in the first method embodiment and the second method embodiment can also be combined, that is, the method of weekly bullying and the method of accumulative payment can also be combined. period, the payment account immediately performs the payment operation; similarly, when the payment period is not reached but the accumulated value of the communication fee reaches the preset threshold, the payment account immediately performs the payment operation.

System embodiment one:

Refer to FIG. 5 , which is a schematic diagram of an ETC toll payment system provided by the present application.

The present application provides an ETC toll payment system, including: an identification module 501 and a processing module 502 .

The identification module 501 is configured to obtain the identification number of the vehicle when the vehicle passes through the toll gate; and obtain the payment account corresponding to the identification number according to the identification number.

The processing module 502 is configured to accumulate the toll of the vehicle when the payment account signs the payment method of accumulative limit, until the accumulated value of the communication fee exceeds the preset limit, the payment account will make payment. operate.

Optionally, the system further includes: a feedback module.

The feedback module is configured to generate feedback information when the payment account fails to perform the payment operation, and the feedback information is used to indicate that the payment operation is completed within a preset time.

Optionally, the processing module 502 is further configured to determine that the payment account fails to perform the payment operation when the balance of the payment account is less than the accumulated value of the communication fee.

Optionally, the processing module 502 is further configured to mark the identification number when the payment account fails to complete the payment operation within the preset time, so as to restrict the high-speed passage of the vehicle.

Optionally, the processing module 502 is further configured to acquire the outstanding payment value of the payment account.

When the unpaid value is repaid in the payment account, the marking of the identification number is canceled, so as to release the restriction on the high-speed passage of the vehicle.

Optionally, the preset amount is obtained according to historical payment information of the payment account.

An ETC toll payment system provided by this application includes: an identification module and a processing module; the identification module is used to obtain the identification number of the vehicle when the vehicle passes through the toll gate; The payment account corresponding to the identification number; the processing module is configured to accumulate the toll of the vehicle when the payment account signs a payment method with a cumulative limit, until the cumulative value of the communication fee exceeds the preset limit , the payment account performs a payment operation. Since the preset limit value will be greater than the high-speed toll of the current vehicle, when the customer's vehicle passes through the high-speed toll station, the customer's payment account will not be debited immediately, but the toll will be accumulated until the accumulated value When the preset limit is exceeded, the payment account will only perform payment operations. Therefore, the technical solution can reduce the frequency of payment operations performed by the payment account, and display the small tolls in the bill in a consolidated manner, thereby facilitating the reconciliation processing of the customer.

Each embodiment in this specification is described in a progressive manner, and the same and similar parts between the various embodiments may be referred to each other, and each embodiment focuses on the differences from other embodiments. In particular, for the system embodiments, since they are basically similar to the method embodiments, the description is relatively simple, and for related parts, please refer to the partial descriptions of the method embodiments. The system embodiments described above are merely illustrative, wherein the units and modules described as separate components may or may not be physically separated. In addition, some or all of the units and modules may also be selected according to actual needs to achieve the purpose of the solution in this embodiment. Those of ordinary skill in the art can understand and implement it without creative effort.

It should be understood that, in this application, "at least one (item)" refers to one or more, and "a plurality" refers to two or more. "And/or" is used to describe the relationship between related objects, indicating that there can be three kinds of relationships, for example, "A and/or B" can mean: only A, only B, and both A and B exist , where A and B can be singular or plural. The character "/" generally indicates that the associated objects are an "or" relationship. "At least one item(s) below" or similar expressions thereof refer to any combination of these items, including any combination of single item(s) or plural items(s). For example, at least one (a) of a, b or c, can mean: a, b, c, "a and b", "a and c", "b and c", or "a and b and c" ", where a, b, c can be single or multiple.

The above are only preferred embodiments of the present application, and are not intended to limit the present application in any form. Although the present application has disclosed the above with preferred embodiments, it is not intended to limit the present application. Any person skilled in the art, without departing from the scope of the technical solution of the present application, can make many possible changes and modifications to the technical solution of the present application by using the methods and technical contents disclosed above, or modify it into equivalents of equivalent changes. Example. Therefore, any simple modifications, equivalent changes and modifications made to the above embodiments according to the technical essence of the present application without departing from the content of the technical solutions of the present application still fall within the protection scope of the technical solutions of the present application.

Claims (12)

1. A method of payment for an ETC toll, comprising:

when a vehicle passes through a toll gate, acquiring an identification number of the vehicle;

acquiring a payment account corresponding to the identification number according to the identification number;

and when the payment account signs a cumulative credit payment mode, accumulating the toll of the vehicle until the cumulative value of the communication fee exceeds a preset credit, and performing payment operation on the payment account.

2. The method of claim 1, further comprising:

and when the payment operation of the payment account fails, generating feedback information, wherein the feedback information is used for indicating that the payment operation is completed within a preset time.

3. The method of claim 2, further comprising:

and when the balance of the payment account is smaller than the accumulated value of the communication fee, determining that the payment operation of the payment account fails.

4. The method of claim 2, further comprising:

and when the payment account does not finish the payment operation within the preset time, marking the identification number so as to limit the vehicle to pass at a high speed.

5. The method of claim 4, further comprising:

and when the payment operation of the payment account fails, generating feedback information, wherein the feedback information is used for indicating that the payment operation is completed within a preset time.

6. The method of any one of claims 1-5, wherein the predetermined amount is obtained based on historical payment information of the payment account.

7. The ETC toll payment system is characterized by comprising an identification module and a processing module;

the identification module is used for acquiring the identification number of the vehicle when the vehicle passes through the toll gate;

acquiring a payment account corresponding to the identification number according to the identification number;

the processing module is used for accumulating the toll of the vehicle when the payment account signs a cumulative quota payment mode, and the payment account performs payment operation until the cumulative value of the communication fee exceeds a preset quota.

8. The system of claim 7, further comprising: a feedback module;

the feedback module is used for generating feedback information when the payment operation of the payment account fails, and the feedback information is used for indicating that the payment operation is completed within a preset time.

9. The system of claim 8, wherein the processing module is further configured to determine that the payment account failed the payment operation when the balance of the payment account is less than the accumulated value of the communication fee.

10. The system of claim 8, wherein the processing module is further configured to mark the identification number to limit high speed traffic of the vehicle when the payment account does not complete payment within the preset time.

11. The system of claim 10, wherein the processing module is further configured to obtain an owing value of the payment account;

and when the payment account pays the owing payment value, canceling the mark of the identification number so as to remove the limit value of the high-speed passing of the vehicle.

12. The system of any one of claims 7-11, wherein the predetermined amount is obtained based on historical payment information of the payment account.

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