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CN111192372A - ETC-based refueling payment method and system - Google Patents

ETC-based refueling payment method and system
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Publication number
CN111192372A
CN111192372ACN202010021434.5ACN202010021434ACN111192372ACN 111192372 ACN111192372 ACN 111192372ACN 202010021434 ACN202010021434 ACN 202010021434ACN 111192372 ACN111192372 ACN 111192372A
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refueling
information
biological characteristic
server
transaction message
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CN111192372B (en
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卢海涛
王阳
张钊
鲁金彪
徐忠民
罗鹏飞
李冠彬
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Industrial and Commercial Bank of China Ltd ICBC
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Industrial and Commercial Bank of China Ltd ICBC
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Abstract

The invention provides an ETC-based refueling payment method and system. The method comprises the following steps: the refueling server creates an order according to the pre-acquired ETC information and extracts historical biological characteristic information corresponding to the ETC information in the database into a biological characteristic snapshot library; the refueling system receives current biological characteristic information and refueling information of a user, generates a first transaction message according to the current biological characteristic information and the refueling information, and uploads the first transaction message to a refueling server; the refueling server compares the current biological characteristic information in the first transaction message with a plurality of historical biological characteristic information in the biological characteristic snapshot library in sequence; when the current biological characteristic information is successfully compared with one of the historical biological characteristic information, the corresponding order is updated according to the first transaction message, and the fund deduction is carried out on the account corresponding to the order according to the updated order, so that the payment process can be shortened, the payment risk is reduced, and the safer, more convenient and faster payment experience is provided.

Description

ETC-based refueling payment method and system
Technical Field
The invention relates to the technical field of payment, in particular to an ETC-based refueling payment method and system.
Background
In the car scene of refueling in the trip field, the car owner often need get off to queue up and pay, and the payment process is long, and the payment risk is big, has brought very big inconvenience for the car owner.
Disclosure of Invention
The embodiment of the invention mainly aims to provide an ETC-based refueling payment method and system, so that the payment process is shortened, the payment risk is reduced, and safer, more convenient and faster payment experience is provided.
In order to achieve the above object, an embodiment of the present invention provides an ETC-based fueling payment method, including:
the refueling server creates an order according to the pre-acquired ETC information and extracts historical biological characteristic information corresponding to the ETC information in the database into a biological characteristic snapshot library;
the refueling system receives current biological characteristic information and refueling information of a user, generates a first transaction message according to the current biological characteristic information and the refueling information, and uploads the first transaction message to a refueling server;
the refueling server compares the current biological characteristic information in the first transaction message with a plurality of historical biological characteristic information in the biological characteristic snapshot library in sequence; and when the current biological characteristic information is successfully compared with one of the historical biological characteristic information, updating the corresponding order according to the first transaction message, and deducting funds from the account corresponding to the order according to the updated order.
An embodiment of the present invention further provides an ETC-based fueling payment system, including:
the refueling server is used for creating an order according to the pre-acquired ETC information and extracting historical biological characteristic information corresponding to the ETC information in the database into a biological characteristic snapshot library; sequentially comparing the current biological characteristic information in the first transaction message with a plurality of historical biological characteristic information in a biological characteristic snapshot library; when the current biological characteristic information is successfully compared with one of the historical biological characteristic information, updating the corresponding order according to the first transaction message, and carrying out fund deduction on an account corresponding to the order according to the updated order;
the refueling system is used for receiving the current biological characteristic information and the refueling information of the user, generating a first transaction message according to the current biological characteristic information and the refueling information, and uploading the first transaction message to the refueling server.
The refueling server in the ETC-based refueling payment method and system of the embodiment of the invention creates an order according to the pre-acquired ETC information and extracts historical biological characteristic information corresponding to the ETC information in the database into the biological characteristic snapshot library; the refueling system generates and uploads a first transaction message to a refueling server according to the current biological characteristic information and the refueling information; when the current biological characteristic information is successfully compared with one of the historical biological characteristic information, the refueling server updates the corresponding order according to the first transaction message, and fund deduction is carried out on the account according to the updated order, so that the payment process is shortened, the payment risk is reduced, and safer, more convenient and faster payment experience is provided.
Drawings
In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments will be briefly introduced below, and it is obvious that the drawings in the following description are only some embodiments of the present invention, and it is obvious for those skilled in the art that other drawings can be obtained based on these drawings without creative efforts.
FIG. 1 is a flow chart of an ETC-based fueling payment method in an embodiment of the present invention;
FIG. 2 is a schematic diagram of a fueling system and fueling server in an embodiment of the present invention;
FIG. 3 is a schematic view of a fueling terminal in an embodiment of the present invention;
FIG. 4 is a schematic illustration of the movement of a vehicle in an embodiment of the present invention;
fig. 5 is a block diagram of the structure of the ETC-based fueling payment system in the embodiment of the present invention.
Detailed Description
The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.
As will be appreciated by one skilled in the art, embodiments of the present invention may be embodied as a system, apparatus, device, method, or computer program product. Accordingly, the present disclosure may be embodied in the form of: entirely hardware, entirely software (including firmware, resident software, micro-code, etc.), or a combination of hardware and software.
In view of the fact that the payment process is long, the payment risk is large and great inconvenience is brought to car owners in the prior art, the embodiment of the invention provides the ETC-based refueling payment method, so that the payment process is shortened, the payment risk is reduced, and safer, more convenient and faster payment experience is provided. The present invention will be described in detail below with reference to the accompanying drawings.
Fig. 1 is a flowchart of an ETC-based fueling payment method in an embodiment of the present invention. As shown in fig. 1, the ETC-based fueling payment method includes:
s101: the refueling server creates an order according to the pre-acquired ETC information and extracts historical biological characteristic information corresponding to the ETC information to a biological characteristic snapshot library.
The ETC information may include an ETC card number or a license plate number.
S102: the refueling system receives the current biological characteristic information and refueling information of a user, generates a first transaction message according to the current biological characteristic information and the refueling information, and uploads the first transaction message to the refueling server.
The refueling information comprises the type of the vehicle oil and the data to be refueled. The proposed fueling data comprises proposed fueling cost; alternatively, the predicted fueling data includes the predicted fueling liter and the unit price of the vehicle oil. And when the planned refueling data comprises the planned refueling liter number and the unit price of the vehicle oil, the refueling system calculates the planned refueling cost according to the planned refueling liter number and the unit price of the vehicle oil, and the calculated planned refueling cost is used as part of the refueling information.
S103: the refueling server compares the current biological characteristic information in the first transaction message with a plurality of historical biological characteristic information in the biological characteristic snapshot library in sequence; and when the current biological characteristic information is successfully compared with one of the historical biological characteristic information, updating the corresponding order according to the first transaction message, and deducting funds from the account corresponding to the order according to the updated order.
In one embodiment, the step of the fueling server making a fund deduction for an account corresponding to the updated order according to the updated order includes:
the refueling server performs fund preauthorization freezing on an account corresponding to the order according to the updated order and sends a fund preauthorization freezing completion notice to the refueling system; updating the updated order again according to the refueling data, and performing fund unfreezing and fund deduction on the account according to the updated order;
the ETC-based fueling payment method further comprises: and after receiving the fund preauthorization freezing completion notice, the refueling system refuels the vehicle according to the refueling information, generates refueling data after refueling the vehicle is completed, and sends the refueling data to the refueling server.
Wherein refueling the vehicle according to the refueling information comprises:
the refueling system determines the refueling gun according to the type of the oil for the vehicle and calls the refueling gun to refuel the vehicle according to the data to be refueled.
After executing S103, the fueling server may send a deduction success notification to the external communication device. The deduction success notification may include fueling data (e.g., fuel liters and fueling costs) and an electronic invoice capture link.
The execution subjects of the ETC-based fueling payment method shown in fig. 1 are a fueling server and a fueling server. As can be seen from the flow shown in fig. 1, in the fuel filling payment method based on the ETC according to the embodiment of the present invention, the fuel filling server creates an order according to the pre-acquired ETC information and extracts the historical biometric information corresponding to the ETC information in the database into the biometric snapshot library; the refueling system generates and uploads a first transaction message to a refueling server according to the current biological characteristic information and the refueling information; and when the current biological characteristic information is successfully compared with one of the historical biological characteristic information, the refueling server updates the corresponding order according to the first transaction message, and deducts funds from the account according to the updated order. The payment process is shortened, the payment risk is reduced, and therefore safer, more convenient and faster payment experience is provided.
In one embodiment, before performing S101, the method further includes: the refueling system receives ETC information from external communication equipment and sends the ETC information to the refueling server.
The method comprises the steps that a refueling server obtains ETC information and determines external communication equipment and an account related to the ETC information;
creating an order in S101 includes: an order is created from the account and the ETC information.
In one embodiment, the method further comprises:
the refueling server generates a corresponding first verification code according to the ETC information and sends the first verification code to the external communication equipment associated with the ETC information; when the comparison between the current biological characteristic information and all the historical biological characteristic information fails, sending biological characteristic comparison failure information to the refueling system;
the refueling system receives the second verification code after receiving the biological characteristic comparison failure information, generates a second transaction message according to the refueling information and the second verification code, and sends the second transaction message to the refueling server;
the refueling server compares a second verification code in the second transaction message with the first verification code; and when the verification codes are successfully compared, updating the corresponding order according to the second transaction message, and carrying out fund deduction on the account corresponding to the order according to the updated order.
In one embodiment, the method further comprises: when the verification code comparison fails, the refueling server sends verification code comparison failure information to the refueling system;
the refueling system receives the verification code comparison failure information, receives the first static payment code, generates a third transaction message according to the refueling information and the first static payment code, and sends the third transaction message to the refueling server;
the refueling server compares the first static payment code in the third transaction message with a second static payment code corresponding to the ETC information; and when the static payment codes are successfully compared, updating the corresponding order according to the third transaction message, and carrying out fund deduction on the account corresponding to the order according to the updated order.
Fig. 2 is a schematic diagram of a fueling system and fueling server in an embodiment of the present invention. As shown in fig. 2, the fueling system includes anETC antenna 1, afueling terminal 2, a first network device 3, and a fueling system server 4. The fueling server comprises a second network device 5, a user management server 6, a payment gateway server 7 and a biometric server 8.
A system server 4 and a second network device 5 for providing network communication between a user management server 6, a payment gateway server 7 and a biometric server 8. The fueling system, the fueling server, and the external communication device 9 are communicatively connected via a wide area network.
TheETC antenna 1 generally needs to be installed at a place (except a safe distance) apart from thefueling terminal 2 by a certain distance, and transmits ETC information with the fueling system server 4 in a wired manner, thereby preventing explosion caused by microwave communication between theETC antenna 1 and an ETC installed on a vehicle.
The biological characteristic identification server 8 deletes the historical biological characteristic information in the biological characteristic snapshot library at regular time, so that the total amount of the historical biological characteristic information in the biological characteristic snapshot library is controllable, and the accuracy and response speed of comparison of the biological characteristic information are improved.
Fig. 3 is a schematic view of a fueling terminal in an embodiment of the present invention. As shown in fig. 3, the fuelingterminal 2 includes: amain screen 21, a sub-screen 22, acard reader 23, akeyboard 24, afuel gun 25, and a biometricinformation collection terminal 26. The biometric information may be face characteristic information and/or body characteristic information. The biometricinformation collection terminal 26 may be a camera.
Themain screen 21 is used for displaying information such as oil unit price, refueling number, refueling cost, payment result and advertisement.
Theauxiliary screen 22 is used for displaying the refueling information and the short message verification code input by the staff.
Thecard reader 23 is used to read stored value information in a refueled stored value card (including an ETC card with a refueled electronic wallet). When the user pays the fueling fee using the fueling stored-value card, thesecondary screen 22 displays the balance of the fueling stored-value card before and after fueling.
The operator enters the fueling information and the short message verification code via thekeyboard 24.
Thebiometric acquisition terminal 26 is used to acquire the current biometric information of the user. In addition, biologicalcharacteristic collection terminal 26 can also gather vehicle information, and vehicle information can include the automobile body colour, can compare with the automobile body colour that ETC information corresponds, promotes payment security level.
Fig. 4 is a schematic diagram of the movement of the vehicle in the embodiment of the present invention. As shown in fig. 4, the vehicle mounted with the ETC passes through theETC antenna 1 and then reaches the gas station where the fuelingterminal 2 is located. The specific process of the embodiment of the invention is as follows:
1. the user accesses the user management server 6 through the external communication device 8 (such as a mobile phone) to register the ETC information, and the ETC information is reserved in the user management server 6, and the information of the external communication device corresponding to the ETC information (such as a mobile phone number for receiving the short message verification code), the account, the historical biometric information and the second static payment code.
2. TheETC antenna 1 monitors in real time whether or not a specified range of a gas station drives into a vehicle on which an ETC is installed. When theETC antenna 1 monitors that a vehicle provided with an ETC drives into a gas station, ETC information of the vehicle is acquired, and the ETC information of the vehicle is sent to the fueling system server 4.
3. The fueling system server 4 transmits the ETC information to the user management server 6.
4. The user management server 6 determines the external communication device 9 and the account associated with the ETC information according to the information reserved by the user.
5. The user management server 6 creates an order according to the account and the ETC information, generates a corresponding first verification code, and sends the first verification code (valid within a limited time range) to the external communication equipment 9 associated with the ETC information.
6. The user receives the first authentication code through the external communication device 9.
At this time, the distance between the user holding the external communication device 9 and the gas station where the fuelingterminal 2 is located is greater than the preset safety distance, so that the gas station explosion caused by the spark generated by the communication signal can be prevented.
7. The user management server 6 transmits the ETC information to the biometric server 8.
8. The biometric identification server 8 extracts historical biometric information corresponding to the ETC information into the biometric snapshot library.
9. Thebiometric acquisition terminal 26 acquires the current biometric information of the user and transmits the current biometric information to the fuelingterminal 2.
10. The staff inputs the fueling information through thekeyboard 24, and the fuelingterminal 2 transmits the current biometric information of the user and the fueling information to the fueling system server 4.
11. The refueling system server 4 generates a first transaction message according to the current biological characteristic information and the refueling information, and uploads the first transaction message to the user management server 6.
12. The user management server 6 compares the current biometric information in the first transaction message with a plurality of historical biometric information in the biometric snapshot library in sequence.
And when the current biological characteristic information is successfully compared with one of the historical biological characteristic information, the user management server 6 updates the corresponding order according to the first transaction message and sends the updated order to the payment gateway server 7.
When the comparison between the current biometric information and all the historical biometric information fails, the user management server 6 sends biometric comparison failure information to the fueling system server 4, and the fueling system server 4 sends biometric comparison failure information to the fuelingterminal 2. The user provides the second verification code to the operator, the operator inputs the second verification code through thekeyboard 24, and the fuelingterminal 2 sends fueling information and the second verification code to the fueling system server 4. The refueling system server 4 generates a second transaction message according to the refueling information and the second verification code, and uploads the second transaction message to the user management server 6. The user management server 6 compares the second verification code in the second transaction message with the first verification code; and when the verification codes are compared successfully, the user management server 6 updates the corresponding order according to the second transaction message and sends the updated order to the payment gateway server 7.
When the verification code comparison fails, the user management server 6 sends verification code comparison failure information to the refueling system server 4, and the refueling system server 4 sends verification code comparison failure information to therefueling terminal 2. The user provides the first static payment code to the staff member, the staff member inputs the first static payment code through thekeyboard 24, and the fuelingterminal 2 sends the fueling information and the first static payment code to the fueling system server 4. And the refueling system server 4 generates a third transaction message according to the refueling information and the first static payment code, and uploads the third transaction message to the user management server 6. The user management server 6 compares the first static payment code and the second static payment code in the third transaction message; and when the static payment codes are successfully compared, the user management server 6 updates the corresponding order according to the third transaction message and sends the updated order to the payment gateway server 7.
13. And the payment gateway server 7 performs fund preauthorization freezing on the account corresponding to the order according to the updated order, and sends a fund preauthorization freezing completion notice to the refueling system server 4.
14. And after receiving the fund preauthorization freezing completion notice, the refueling system server 4 sends a refueling instruction to therefueling terminal 2.
15. After therefueling terminal 2 receives the refueling instruction, the correspondingrefueling gun 25 is determined according to the type of the vehicle oil in the refueling information, and therefueling gun 25 is called according to the data to be refueled to refuel the vehicle.
16. After the vehicle is refueled, therefueling terminal 2 generates refueling data and sends the refueling data to the refueling system server 4.
17. The fueling system server 4 sends fueling data to the user management server 6.
Wherein the fueling data comprises actual fueling cost; alternatively, the fueling data includes the actual fueling liter and the unit price of the vehicle's oil. When the fueling data includes the actual fueling liter number and the unit price of the vehicle oil, the fueling system server 4 calculates the actual fueling cost based on the pseudo-actual fueling liter number and the unit price of the vehicle oil, and uses the calculated actual fueling cost as a part of the fueling data.
18. The user management server 6 updates the order according to the fueling data and sends the updated order to the payment gateway server 7.
19. And the payment gateway server 7 unfreezes and deducts funds of the account according to the order and sends a deduction notice to the user management server 6.
20. The user management server 6 sends a deduction success notification to the external communication device 9.
To sum up, the fueling server in the fueling payment method based on the ETC according to the embodiment of the present invention creates an order according to the pre-acquired ETC information and extracts the historical biometric information corresponding to the ETC information in the database into the biometric snapshot library; the refueling system generates and uploads a first transaction message to a refueling server according to the current biological characteristic information and the refueling information; and when the current biological characteristic information is successfully compared with one of the historical biological characteristic information, the refueling server updates the corresponding order according to the first transaction message, and deducts funds from the account according to the updated order. The payment process is shortened, the payment risk is reduced, and therefore safer, more convenient and faster payment experience is provided.
Based on the same inventive concept, the embodiment of the invention also provides an ETC-based refueling payment system, and as the principle of solving the problems of the system is similar to the ETC-based refueling payment method, the implementation of the system can be referred to the implementation of the method, and repeated parts are not repeated.
Fig. 5 is a block diagram of the structure of the ETC-based fueling payment system in the embodiment of the present invention. As shown in fig. 5, the ETC-based fueling payment system includes:
the refueling server is used for creating an order according to the pre-acquired ETC information and extracting historical biological characteristic information corresponding to the ETC information in the database into a biological characteristic snapshot library; sequentially comparing the current biological characteristic information in the first transaction message with a plurality of historical biological characteristic information in a biological characteristic snapshot library; when the current biological characteristic information is successfully compared with one of the historical biological characteristic information, updating the corresponding order according to the first transaction message, and carrying out fund deduction on an account corresponding to the order according to the updated order;
the refueling system is used for receiving the current biological characteristic information and the refueling information of the user, generating a first transaction message according to the current biological characteristic information and the refueling information, and uploading the first transaction message to the refueling server.
In one embodiment, the method further comprises the following steps:
the refueling server is specifically used for: carrying out fund preauthorization freezing on an account corresponding to the order according to the updated order, and sending a notice of completion of fund preauthorization freezing to the refueling system; updating the updated order again according to the refueling data, and performing fund unfreezing and fund deduction on the account according to the updated order;
the refueling system is also used for: and after receiving the fund preauthorization freezing completion notice, refueling the vehicle according to the refueling information, generating refueling data after the refueling of the vehicle is completed, and sending the refueling data to the refueling server.
In one embodiment, the method further comprises the following steps:
the refueling system is also used for: receiving ETC information from external communication equipment, and sending the ETC information to the refueling server;
the refueling server is further configured to: acquiring ETC information, and determining external communication equipment and an account associated with the ETC information;
the refueling server is specifically used for: an order is created from the account and the ETC information.
In one embodiment, the refueling information includes the type of vehicle oil and the data to be refueled;
the refueling system is specifically used for: and determining the oil gun according to the type of the oil for the vehicle, and calling the oil gun to refuel the vehicle according to the data to be refueled.
In one embodiment, the fueling server is further configured to:
generating a corresponding first verification code according to the ETC information, and sending the first verification code to the external communication equipment associated with the ETC information; when the comparison between the current biological characteristic information and all the historical biological characteristic information fails, sending biological characteristic comparison failure information to the refueling system; comparing a second verification code in the second transaction message with the first verification code; when the verification codes are successfully compared, updating the corresponding order according to the second transaction message, and carrying out fund deduction on the account corresponding to the order according to the updated order;
the refueling system is also used for: and receiving a second verification code after receiving the biological characteristic comparison failure information, generating a second transaction message according to the refueling information and the second verification code, and sending the second transaction message to the refueling server.
In one embodiment, the fueling server is further configured to:
when the verification code comparison fails, sending verification code comparison failure information to the refueling system; comparing the first static payment code in the third transaction message with a second static payment code corresponding to the ETC information; when the static payment codes are successfully compared, updating the corresponding order according to the third transaction message, and carrying out fund deduction on the account corresponding to the order according to the updated order;
the refueling system is also used for: and after receiving the verification code comparison failure information, receiving the first static payment code, generating a third transaction message according to the refueling information and the first static payment code, and sending the third transaction message to the refueling server.
To sum up, the fueling server in the ETC-based fueling payment system of the embodiment of the invention creates an order according to the pre-acquired ETC information and extracts the historical biological characteristic information corresponding to the ETC information in the database into the biological characteristic snapshot library; the refueling system generates and uploads a first transaction message to a refueling server according to the current biological characteristic information and the refueling information; and when the current biological characteristic information is successfully compared with one of the historical biological characteristic information, the refueling server updates the corresponding order according to the first transaction message, and deducts funds from the account according to the updated order. The payment process is shortened, the payment risk is reduced, and therefore safer, more convenient and faster payment experience is provided.
The above-mentioned embodiments are intended to illustrate the objects, technical solutions and advantages of the present invention in further detail, and it should be understood that the above-mentioned embodiments are only exemplary embodiments of the present invention, and are not intended to limit the scope of the present invention, and any modifications, equivalent substitutions, improvements and the like made within the spirit and principle of the present invention should be included in the scope of the present invention.

Claims (12)

the refueling server is used for creating an order according to the pre-acquired ETC information and extracting historical biological characteristic information corresponding to the ETC information in the database into a biological characteristic snapshot library; sequentially comparing the current biological characteristic information in the first transaction message with a plurality of historical biological characteristic information in the biological characteristic snapshot library; when the current biological characteristic information is successfully compared with one of the historical biological characteristic information, updating the corresponding order according to the first transaction message, and carrying out fund deduction on the account corresponding to the order according to the updated order;
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CN111862461A (en)*2020-07-312020-10-30伟龙金溢科技(深圳)有限公司ETC wisdom refueling system
CN112242024A (en)*2020-10-162021-01-19上海电机学院Oiling machine interaction system based on voice recognition
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