Can ETC credit card be used for consumption?

ETC credit card can be used for consumption. When used to pay for high-speed fees, the fee will be deducted directly from the credit card without the need to top up. When used as an ordinary credit card, it can be used for overdraft consumption, installment payment, cash withdrawal, transfer, etc. Therefore, ETC credit card has high-speed charging function and ordinary credit card consumption function.

1. High-speed consumption

Car owners with ETC credit cards can choose the ETC dedicated channel when passing through a high-speed toll station, and the high-speed fees will be automatically deducted from the ETC credit card.

2. How to consume in daily life

ETC credit card can be used for consumption in physical stores, bound to Alipay and WeChat for consumption, and consumption on the Internet

ETC It is a non-stop electronic toll collection system. The ETC dedicated lane is for vehicles equipped with ETC on-board devices and uses electronic toll collection.

ETC (Electronic Toll Collection) non-stop toll collection system is currently the most advanced in the world Road and bridge toll collection methods. Through dedicated short-range microwave communication between the vehicle electronic tag installed on the vehicle windshield and the microwave antenna on the ETC lane of the toll station, computer networking technology is used to perform background settlement processing with banks, so that vehicles can pass through road and bridge toll stations without Parking and paying tolls.

After January 1, 2018, electronic toll invoices can be issued for tolls paid using ETC cards or user cards, as well as ETC card recharge fees, and paper bills will no longer be issued. On May 10, 2019, Dai Dongchang, Vice Minister of the Ministry of Transport, stated that after the elimination of provincial toll stations, it is necessary to ensure that the utilization rate of ETC reaches more than 90% before the end of this year to ensure the smooth operation of the entire road network.

The ETC system uses automatic vehicle identification technology to complete wireless data communication between vehicles and toll stations, and exchanges automatic vehicle induction identification and related charging data. A computer network is used to process charging data, and a fully automatic electronic toll collection system can be realized without parking or setting up a charging window.

The ETC system conducts wireless communication and information exchange between the on-board device installed on the vehicle and the antenna installed on the toll station lane. It is mainly composed of automatic vehicle identification system, central management system and other auxiliary facilities. Among them, the automatic vehicle identification system consists of a vehicle-mounted unit, also known as a transponder or electronic tag, a roadside unit (Roadside unit, RSU), a loop sensor, etc. The OBU stores vehicle identification information and is generally installed on the windshield in front of the vehicle. The RSU is installed next to the toll station, and the loop sensor is installed under the lane floor. The central management system has a large database that stores a large amount of registered vehicle and user information. When the vehicle passes through the toll station, the loop sensor senses the vehicle, the RSU sends out an inquiry signal, and the OBU responds and performs two-way communication and data exchange; the central management system obtains vehicle identification information, such as car ID number, model and other information and The corresponding information in the database is compared and judged, and the control management system takes different actions according to different situations. For example, the computer toll management system deducts the toll due from the vehicle's prepayment account, or sends instructions to other auxiliary facilities. .

Can etc. be used as a credit card?

Yes.

ETC credit card is a functional credit card, which is issued by the bank for a single purpose and field. Banks such as Agricultural Bank of China, Industrial and Commercial Bank of China, China Construction Bank, Guangfa Bank, and Bank of China have all issued this card. The functions are similar, but the discounts are different.

Take the Agricultural Bank of China ETC credit card as an example. The Agricultural Bank of China ETC car owner credit card can realize electronic payment at MTC parking channels and ETC non-parking channels on highways in connected provinces and cities across the country.

This card adopts the "pass first, pay later" method. The toll fee is automatically deducted from the Agricultural Bank of China ETC credit card, and there is no need to deposit cash in advance. Holders of the Agricultural Bank of China ETC credit card can enjoy an exclusive discount of up to 10% off on highway tolls when traveling on highways in provinces and cities that have achieved national network connectivity.

No recharge is required for Bank of China’s ETC, and OBU equipment is provided free of charge. As long as the user holds a Bank of China ETC credit card, the tolls will be directly deducted from the credit card, and they can enjoy interest-free for up to 50 days, and a special discount of as low as 10% on highway tolls.

Construction Bank ETC car and truck owners can enjoy points-based discounts on oil changes, preferential car wash services, free roadside assistance, Sinopec’s 1% refueling discount, ETC and other functional benefits. Vehicles equipped with OBU electronic tags can realize non-stop toll collection in ETC lanes of national networked highways, and can enjoy a 50% discount on payment.

Extended information:

The ETC system uses automatic vehicle identification technology to complete wireless data communication between vehicles and toll stations, and exchanges automatic vehicle induction identification and related charging data.

Using computer network to process charging data, a fully automatic electronic toll collection system can be realized without parking or setting up a charging window. The ETC system conducts wireless communication and information exchange between the on-board device installed on the vehicle and the antenna installed on the toll station lane.

It is mainly composed of automatic vehicle identification system, central management system and other auxiliary facilities. Among them, the automatic vehicle identification system consists of a vehicle-mounted unit, also known as a transponder or electronic tag, a roadside unit (Roadside unit, RSU), a loop sensor, etc.

The OBU contains vehicle identification information and is generally installed on the windshield in front of the vehicle, the RSU is installed next to the toll station, and the loop sensor is installed under the lane floor.

The central management system has a large database that stores a large amount of registered vehicle and user information. When a vehicle passes through the toll station, the loop sensor senses the vehicle, the RSU sends an inquiry signal, and the OBU responds and performs two-way communication and data exchange.

The central management system obtains vehicle identification information, such as car ID number, model and other information, and compares it with the corresponding information in the database, and controls the management system to take different actions according to different situations.

For example, the computer toll management system deducts the toll payable from the vehicle's prepaid account, or sends instructions to other auxiliary facilities.

The fully automatic electronic toll collection system is a solution to busy highway toll collection. It implements nationwide networking, automatic bank settlement, and fast passage, which is of great benefit to users. The significance is:

(1) The bank’s application procedures and procedures for ETC special channels are strict. By collecting ETC information at toll stations, the scope of searching for the whereabouts of vehicles with electronic tags can be narrowed.

(2) Website interactive service information of the fully automatic electronic toll collection system (such as comprehensive operation information, management information, planning and construction information, etc. suitable for highway incident detection, congestion prediction, and running time prediction, and even release of induction information and other services), can feedback customer information and user integrity.

(3) The fully automatic electronic toll collection system can be combined with GPS and GIS to comprehensively improve the efficiency and level of highway transportation management and services while finding the dynamics of customers of the fully automatic electronic toll collection system. whereabouts.

(4) By tracking bank consumption information, customers’ consumption records can be mastered, which is helpful for finding clues in investigation and handling of cases.