ETC（electronic toll collection） is gradually becoming the leading highway charging mode, while the cash part sharply reduces the cash payment. So the problem of cash escort mode has become a new challenge for highway operation management departments. For this, the user needs of highway toll stations were obtained through questionnaire survey and user interviews, user needs were hierarchically sorted out by used KJ (affinity graph) method, and the weights of demand were using determined through the improved AHP method; then, based on QFD（quality function deployment）, the customized intelligent terminal house of quality was constructed to realize the transformation from user needs to customized intelligent terminal functions, and the customized intelligent terminal functions were comprehensively analyzed by using the quadrant graph Intelligent terminal function; finally, the improved Delphi method was used to determine the frequency of the bank's door-to-door settlement, and the cash settlement mode based on the customized intelligent terminal was constructed. At the same time, the economic feasibility and effectiveness of the mode were verified through the economic benefit analysis. The results show that the scheme can greatly reduce the frequency and cost of cash escort of highway toll station, and effectively solve the problem of cash collection of highway toll in the new period.