Highway transaction method and system and lane terminal

The invention provides a highway transaction method, which is applied to a lane terminal and comprises an acquisition step, a generation step and a transaction step. In the acquisition step, vehicle information of a target vehicle is obtained, and whether the vehicle information is included in a white list or not is judged, wherein the white list is pre-generated; in the generation step, if the vehicle information is included in the white list, a virtual CPU card is generated according to card making information corresponding to the vehicle information in the white list; and in the transactionstep, the virtual CPU card is controlled to complete a transaction with a lane system. By adopting the highway transaction method, the passage experience of an MTC (Manual Toll Collection) lane is effectively improved on the basis of being compatible with the existing ETC (Electronic Toll Collection) system, the ETC and MTC realize non-inductive payment by adopting the same set of toll collectionsystem, and the repeated