CN115545696B

CN115545696B - Payment method, server and mobile terminal

Info

Publication number: CN115545696B
Application number: CN202210396506.3A
Authority: CN
Inventors: 陈祥
Original assignee: Honor Device Co Ltd
Current assignee: Honor Device Co Ltd
Priority date: 2022-04-15
Filing date: 2022-04-15
Publication date: 2023-08-29
Anticipated expiration: 2042-04-15
Also published as: CN115545696A

Abstract

The embodiment of the application provides a payment method, a server and a mobile terminal, and relates to the technical field of communication. In the scheme of the application, aiming at the scene that when a user starts riding and finishes riding, the mobile terminal is operated twice to finish one fee deduction operation, if the payment information of the user during riding and the payment information of the user during riding are the payment information of two payment accounts registered by a certain user in the same application program, whether a single riding event occurs is judged, and under the condition that the single riding event occurs, the single riding fee is deducted from any one payment account of the two payment accounts, thereby avoiding the abnormal conditions such as repeated fee deduction and the like, and further improving the payment experience of the user.

Description

Payment method, server and mobile terminal

Technical Field

The present application relates to the field of communications technologies, and in particular, to a payment method, a server, and a mobile terminal.

Background

With the rapid development of science and technology, when taking public transportation means such as subways or buses, users can use mobile payment modes such as two-dimension codes to replace traditional entity bus cards.

Taking subway as an example. When entering a subway station, a user can aim the two-dimension code at the code scanning equipment of the station entering gate so as to enter the station for riding; after reaching the destination subway station, the user can aim at the two-dimension code to the code scanning equipment of the outbound gate so as to leave the destination subway station. Then, the server calculates a riding fee based on the inbound information, outbound information, etc. of the user, and deducts the riding fee from the user account.

The mobile payment method is completed based on the same account registered in the same application program. However, in some cases, the two-dimensional code used when the user is in-station and out-station may belong to different accounts of a certain application program, for example, account 1 of the application program is used when the user is in-station, and account 2 of the application program is used when the user is out-station, but this may cause deduction of the fee from both accounts, and reduce the payment experience of the user.

Disclosure of Invention

The application provides a payment method, a server and a mobile terminal, which solve the technical problem that when a user takes a public transport means to go out, if the user selects different accounts registered in the same application program when taking a bus and finishing taking the bus, the two accounts are deducted.

In order to achieve the above purpose, the application adopts the following technical scheme:

in a first aspect, an embodiment of the present application provides a payment method. The method comprises the following steps:

receiving first payment information and second payment information; the first payment information is obtained by scanning a first riding code corresponding to a first account through the inbound gate, the second payment information is obtained by scanning a second riding code corresponding to a second account through the outbound gate, and the first account and the second account are two accounts registered in one payment application;

In the case that the single ride event is determined to exist according to the first payment information and the second payment information, deducting a single ride fee from the first account or the second account; wherein, the single riding event means that the user completes a single journey from the initial riding station to the terminal riding station, and the single riding expense is used for paying the single journey.

In the embodiment of the application, aiming at the scene that the mobile terminal is scanned twice when a user starts riding and finishes riding so as to finish one-time fee deduction operation, if the scanning information of the starting riding and the payment information of the scanning riding correspond to two payment accounts registered in the same application program, whether a single riding event occurs is judged. Under the condition that the single riding event is determined, riding fees of a single journey are deducted from any one of the two payment accounts, so that abnormal conditions such as repeated fee deduction and the like are avoided, and the payment experience of a user is improved.

In one possible implementation, determining that a single ride event exists based on the first payment information and the second payment information includes: determining a first set of information consisting of at least one piece of information associated with the first payment information and a second set of information consisting of at least one piece of information associated with the second payment information; and under the condition that the detection results of each type of information in the first information set and the second information set meet the preset conditions, determining that a single riding event exists.

It should be understood that since the payment information of the start car and the payment information of the end car are relatively single, by acquiring the first information set associated with the first payment information and the second information set associated with the second payment information, each type of information in the first information set and the second information set can be utilized to comprehensively reflect the real car situation.

In one possible implementation, the first set of information includes: first user information indicating a user associated with a first account; the second set of information includes: and second user information indicating a user associated with the second account. Correspondingly, the detection results of each type of information in the first information set and the second information set meet preset conditions, and the method comprises the following steps: the first user information and the second user information indicate the same user.

It should be understood that when the payment information of the start car and the payment information of the end car belong to the same real-name authenticated user, it may be determined that the user has completed a single trip from the start car stop to the end car stop.

In one possible implementation, the first information set further includes a first device identification, the first device identification being used to indicate the mobile terminal logging into the first account; the second set of information also includes a second device identification indicating a mobile terminal that is logged into the second account. Correspondingly, the detection results of each type of information in the first information set and the second information set meet preset conditions, and the method further comprises the following steps: the first device identification and the second device identification are indicative of the same mobile terminal.

It should be appreciated that there may be misjudgment of a ride event based only on user information, and thus the accuracy of determining a single ride event may be improved by judging whether the mobile terminals at the start and end of a ride are the same mobile terminal.

In one possible implementation, the first information set further includes a first type identifier, the first type identifier being used to indicate a type of ride card providing the first ride code; the second set of information also includes a second type identification indicating a type of ride card providing a second ride code. Correspondingly, the detection results of each type of information in the first information set and the second information set meet preset conditions, and the method further comprises the following steps: the first type of identification and the second type of identification indicate the same type of ride card.

It should be appreciated that there may be erroneous judgment of a ride event based only on user information, and thus the accuracy of determining a single ride event may be improved by judging whether or not ride cards used when starting and ending a ride are of the same type.

In one possible implementation, the first information set further includes first time information, where the first time information is used to indicate a time when the inbound gate scans the first ride; the second information set further includes second time information for indicating a time when the outbound gate scans the second ride code. Correspondingly, the detection results of each type of information in the first information set and the second information set meet preset conditions, and the method further comprises the following steps: the time interval indicated by the first time information and the second time information is less than or equal to a preset interval.

It should be appreciated that there may be erroneous judgment of the ride event based on only the user information, and thus the accuracy of determining the single ride event may be improved by judging whether the time interval between the start of the ride and the end of the ride is less than or equal to the preset time interval.

In one possible implementation, the first information set further includes first station information for indicating a start stop; the second information set further includes second station information for indicating a terminal boarding station. Correspondingly, the detection results of each type of information in the first information set and the second information set meet preset conditions, and the method further comprises the following steps: the boarding stations indicated by the first station information and the second station information are different boarding stations.

It should be appreciated that there may be erroneous judgment of the ride event based on only the user information, and thus the accuracy of determining the single ride event can be improved by judging whether the ride stations at which the ride starts and the ride ends are the same ride station.

In one possible implementation, the first set of information further includes: the system comprises first coupon information and first balance information, wherein the first coupon information is used for indicating each riding coupon item contained in a first account, and the first balance information is used for indicating the balance of the first account; the second set of information further includes: the system comprises second preferential information and second balance information, wherein the second preferential information is used for indicating each riding preferential item contained in the second account, and the second balance information is used for indicating the balance of the second account.

Accordingly, deducting a single ride charge from the first account or the second account, comprising: determining a target payment strategy from a plurality of preset strategies according to the priority, the first preferential information, the second preferential information, the first balance information, the second balance information, the first type identifier, the second type identifier, the first time information and the second time information of each preset strategy in the plurality of preset strategies; and according to the target payment strategy, deducting the single bus fee from the first account or the second account conforming to the target payment strategy.

Wherein the plurality of preset strategies includes at least one of:

a payment strategy set according to the preferential degree of the account;

a payment policy set according to the coupon deadline of the account;

a payment policy set according to the balance of the account;

a payment strategy set according to the type of the bus card of the account;

and setting a payment strategy according to the scanning sequence of the account.

It should be understood that, since a plurality of payment policies are preset, according to each information contained in the first information set and the second information set, a payment policy optimal for the user can be selected from the plurality of payment policies, and a single riding fee is deducted from an account according to the payment policy, so that the payment experience of the user is improved.

In one possible implementation, the method further includes: in the case that the two times of riding events are determined to exist according to the first payment information and the second payment information, riding fees of each riding event are respectively deducted from a first account and a second account; wherein, the two-time riding event means that the user completes a single journey from the initial riding station to any station and completes a single journey from any station to the terminal riding station.

It will be appreciated that if two ride events occur, a fee deduction is required for both accounts. For example, a single ride charge is deducted from each of the two accounts according to a preset highest fee deduction policy.

In one possible implementation, determining that there are two ride events according to the first payment information and the second payment information includes: determining a first information set and a second information set; and determining that there are two ride events in the case where the first information set and the second information set satisfy the condition 1 and at least one of the condition 2, the condition 3, and the condition 4 is satisfied.

Wherein, the condition 1 is that the first user information and the second user information indicate the same user;

condition 2 indicates different mobile terminals for the first device identification and the second device identification;

Condition 3 indicates different types of ride cards for the first type of identification and the second type of identification;

condition 4 is that the time interval indicated by the first time information and the second time information is greater than a preset interval.

It should be appreciated that, although the payment information for starting the ride and the payment information for ending the ride belong to the same real-name authenticated user, two ride events may occur where different types of ride cards are used for starting the ride and ending the ride, and/or where the detection of the time between starting the ride and ending the ride is long, as opposed to a mobile terminal for starting the ride and ending the ride. In this case, a fee deduction needs to be made for both accounts.

In one possible implementation, the method further includes: in the event that it is determined that there is no ride event based on the first payment information and the second payment information, not deducting a ride charge from the first account and the second account; wherein, the absence of the ride event means that the initial ride station and the final ride station are the same ride station.

It should be appreciated that after the user enters a particular ride station and exits from the ride station, the user may not be riding. In this case, no fee is required for any one account.

In a second aspect, an embodiment of the present application provides a payment method. The method comprises the following steps:

receiving first request information sent by an inbound gate in the form of NFC signals under the condition that a first bus card of a target payment application is in an activated state, and responding to the first request information to determine a first information set, wherein the first information set consists of at least one piece of information associated with the first bus card;

receiving second request information sent by the outbound gate in the form of NFC signals under the condition that a second bus card of the target payment application is in an activated state, and responding to the second request information to determine a second information set, wherein the second information set consists of at least one piece of information associated with the second bus card;

deducting a single ride charge from the first ride card or the second ride card in the event that a single ride event is determined to exist based on the first information set and the second information set; wherein, the single riding event means that the user completes a single journey from the initial riding station to the terminal riding station, and the single riding expense is used for paying the single journey.

In the embodiment of the application, aiming at the scene that when a user starts riding and finishes riding, the mobile terminal is respectively close to the NFC equipment to finish one-time fee deduction operation, if the request information received by the mobile terminal when the user starts riding and the request information received when the user finishes riding correspond to two riding cards associated with the same application program, whether a single riding event occurs is judged. Under the condition that the single riding event is determined, riding fees of a single journey are deducted from any one riding card of the two riding cards, so that abnormal conditions such as repeated fee deduction and the like are avoided, and further the payment experience of a user is improved.

In one possible implementation, determining that a single ride event exists based on the first set of information and the second set of information includes: and under the condition that the detection results of each type of information in the first information set and the second information set meet the preset conditions, determining that a single riding event exists.

In one possible implementation manner, if the first information set includes a first type identifier and the second information set includes a second type identifier, the detection results of each type of information in the first information set and the second information set both conform to a preset condition, including: the first type of identification and the second type of identification indicate the same type of ride card. Wherein the first type identifier is used for indicating the type of the first bus card, and the second type identifier is used for indicating the type of the second bus card.

It should be appreciated that when the ride cards used when starting and ending a ride are of the same type, such as subway cards, it may be determined that the user has completed a single journey from the starting ride station to the ending ride station on the same or the same type of vehicle.

In one possible implementation manner, if the first information set includes first time information and the second information set includes second time information, the detection results of each type of information in the first information set and the second information set both conform to preset conditions, including: the time interval indicated by the first time information and the second time information is less than or equal to a preset interval. Wherein the first time information is used for indicating the time of receiving the first request message, and the second time information is used for indicating the time of receiving the second request message.

It should be appreciated that when the time interval between the start of the ride and the end of the ride is within the preset time, it may be determined that the user has completed a single trip from the start ride stop to the end ride stop within the preset time.

In one possible implementation manner, if the first information set includes first site information and the second information set includes second site information, the detection results of each type of information in the first information set and the second information set both conform to preset conditions, including: the boarding stations indicated by the first station information and the second station information are different boarding stations. The first station information is used for indicating a starting station and the second station information is used for indicating a destination station.

It should be appreciated that when the start and end stops are different stops, it may be determined that the user is taking a ride.

In one possible implementation, the first set of information further includes: the system comprises first coupon information and first balance information, wherein the first coupon information is used for indicating each riding coupon item contained in the first riding card, and the first balance information is used for indicating the balance of the first riding card. The second set of information further includes: the second coupon information is used for indicating each riding coupon item contained in the second riding card, and the second balance information is used for indicating the balance of the second riding card.

Deducting a single ride charge from the first ride card or the second ride card, comprising:

and determining a target payment strategy from the plurality of preset strategies according to the priority, the first preferential information, the second preferential information, the first balance information, the second balance information, the first type identifier, the second type identifier, the first time information and the second time information of each preset strategy in the plurality of preset strategies. According to the target payment strategy, deducting single bus fees from the balance of the first bus card or the balance of the second bus card; alternatively, the single ride charge is deducted from the balance or associated account of the target payment application in accordance with the target payment policy.

Wherein the plurality of preset strategies includes at least one of:

a payment strategy set according to the preferential degree of the bus card;

a payment strategy set according to the coupon deadline of the bus card;

a payment strategy set according to the balance of the bus card;

a payment strategy set according to the type of the bus card;

and a payment strategy set according to the sequence in which the bus card receives the request messages.

It should be understood that, since a plurality of payment policies are preset, according to each information contained in the first information set and the second information set, a payment policy optimal for the user can be selected from the plurality of payment policies, and a single bus fee is deducted from one bus card according to the payment policy, so that the payment experience of the user is improved.

In one possible implementation, the method further includes: under the condition that two riding events exist according to the first information set and the second information set, respectively deducting riding fees of each riding event from the balance of the first riding card and the balance of the second riding card; alternatively, the cost of the two ride events is deducted from the balance or associated account of the target payment application. Wherein, the two-time riding event means that the user completes a single journey from the initial riding station to any station and completes a single journey from any station to the terminal riding station.

It should be appreciated that if two ride events occur, a fee deduction needs to be made for both ride cards. For example, a single ride charge is deducted from the balance of each of the two ride cards according to a preset highest fee deduction policy. For another example, when two ride cards do not have balances, the cost of the two ride events is deducted from the balance or associated account of the payment application to which the two ride cards are bound.

In one possible implementation, determining that there are two ride events based on the first set of information and the second set of information includes: in the case where the first information set and the second information set satisfy at least one of the condition 1 and the condition 2, it is determined that there are two ride events.

Wherein, condition 1 indicates different types of bus cards for the first type of identification and the second type of identification;

condition 2 is that the time interval indicated by the first time information and the second time information is greater than a preset interval.

It should be appreciated that two ride events may occur if different types of ride cards are used when starting and ending a ride, and/or the time detection is longer when starting and ending a ride. In this case, the cost of the two ride events is deducted.

In one possible implementation, the method further includes:

in the event that it is determined that there is no ride event based on the first information set and the second information set, ride fees are not deducted from the first ride card and the second ride card. Wherein, the absence of the ride event means that the initial ride station and the final ride station are the same ride station.

It should be appreciated that after the user enters a particular ride station and exits from the ride station, the user may not be riding. In this case, no riding buckle fee is required.

In a third aspect, the present application provides a payment device comprising means/modules for performing the method of the first or second aspect described above. The apparatus may correspond to performing the method described in the first or second aspect, for a description of the unit/module in the apparatus, refer to the description of the first or second aspect. For brevity, the description is omitted here.

In a fourth aspect, there is provided a server comprising a processor coupled to a memory for executing a computer program or instructions stored in the memory to cause the server to implement a payment method as in any of the first aspects.

In a fifth aspect, there is provided a mobile terminal comprising a processor coupled to a memory for executing a computer program or instructions stored in the memory to cause the mobile terminal to implement a payment method as in any of the second aspects.

In a sixth aspect, there is provided a chip coupled to a memory for reading and executing a computer program stored in the memory to implement a payment method as in any of the first or second aspects.

In a seventh aspect, there is provided a computer readable storage medium storing a computer program which, when run on a server, causes the server to perform the payment method as in any one of the first aspects; alternatively, the computer program, when run on a mobile terminal, causes the mobile terminal to perform the payment method as in any of the second aspects.

In an eighth aspect, there is provided a computer program product which, when run on a computer, causes the computer to perform the payment method as in any of the first or second aspects.

It will be appreciated that the advantages of the third to eighth aspects may be found in the relevant description of the first and second aspects, and are not described here again.

Drawings

Fig. 1 is a schematic diagram of a communication system when a user uses a code scanning payment method to take a subway according to an embodiment of the present application;

fig. 2 is a flow chart of a payment method when a user uses a two-dimensional code to take a subway according to an embodiment of the present application;

fig. 3 is an operation schematic diagram of triggering and displaying a two-dimensional code when entering a station according to the embodiment of the present application;

fig. 4 is an operation schematic diagram of triggering and displaying a two-dimensional code when the two-dimensional code is out of the station according to the embodiment of the application;

fig. 5 is a flow chart of a payment method performed by a payment platform server according to an embodiment of the present application;

FIG. 6 is a flowchart illustrating a method for determining a first information set by a paymate server according to an embodiment of the present application;

fig. 7 is a schematic diagram of a communication system when a user uses an NFC payment method to take a subway according to an embodiment of the present application;

Fig. 8 is a flowchart of a payment method when a user uses NFC to take a subway according to an embodiment of the present application;

fig. 9 is an operation schematic diagram of triggering and displaying an NFC bus card when entering and exiting the bus according to an embodiment of the present application;

fig. 10 is a schematic structural diagram of a payment device according to an embodiment of the present application;

fig. 11 is a schematic structural diagram of another payment device according to an embodiment of the present application;

fig. 12 is a schematic structural diagram of a server according to an embodiment of the present application;

fig. 13 is a schematic structural diagram of a mobile terminal according to an embodiment of the present application.

Detailed Description

In order to make the objects, technical solutions and advantages of the embodiments of the present application more apparent, the technical solutions of 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, and it is apparent that the described embodiments are some embodiments of the present application, but not all embodiments of the present application.

In the description of the present application, "/" means or, unless otherwise indicated, for example, A/B may mean A or B. In the description of the present application, "and/or" is merely an association relationship describing an association object, and means that three relationships may exist, for example, a and/or B may mean: a exists alone, A and B exist together, and B exists alone.

The terms first and second and the like in the description and in the claims, are used for distinguishing between different objects and not necessarily for describing a particular sequential or chronological order of the objects. For example, the first type of identification and the second type of identification, etc., are used to distinguish between different types of identifications and are not used to describe a particular order of type identifications.

Reference in the specification to "one embodiment" or "some embodiments" or the like means that a particular feature, structure, or characteristic described in connection with the embodiment is included in one or more embodiments of the application. Thus, appearances of the phrases "in one embodiment," "in some embodiments," "in other embodiments," and the like in the specification are not necessarily all referring to the same embodiment, but mean "one or more but not all embodiments" unless expressly specified otherwise. The terms "comprising," "including," "having," and variations thereof mean "including but not limited to," unless expressly specified otherwise.

First, some terms or terms involved in the present application will be explained.

The application multi-opening refers to that an application program logs in with a plurality of accounts on one electronic device, so that the accounts are used online or run in the background at the same time, i.e. the accounts do not influence each other. For example, by opening the application a of one mobile phone in double, the main number of the application a and the small number of the application a are simultaneously logged in, and the mobile phone is suitable for various special crowds such as electronic commerce, micro-commerce, sales, game training and the like.

Near field communication (near field communication, NFC) is a short-range high-frequency wireless communication technology developed in combination with a wireless interconnection technology on the basis of a non-contact radio frequency identification technology. The chip of the mobile terminal is integrated with the induction card reader, the induction card and the point-to-point communication module, so that the functions of mobile payment, electronic ticketing, access control, mobile identity identification, anti-counterfeiting and the like are realized.

In general, NFC operation modes are classified into a passive mode and an active mode. In the passive mode, a power supply device needs to be provided for an NFC initiator device (also referred to as a master device), and the master device uses the power of the power supply device to provide a radio frequency field and transmit data to an NFC target device (also referred to as a slave device). Since the slave device does not generate a radio frequency field, no power supply device is required. The slave device converts the radio frequency field generated by the master device into electrical energy, powers the slave device's circuitry to receive data transmitted by the master device, and transmits the slave device's data back to the master device at the same rate using load modulation (load modulation) techniques. In the active mode, the NFC initiator device and the NFC target device both actively generate a radio frequency field when transmitting data to each other, and thus both require the power supply device to provide power for generating the radio frequency field.

It should be noted that, the NFC payment method in the embodiment of the present application mainly relates to a passive mode. Specifically, the NFC device set on the gate corresponding to the public transportation means is an NFC initiating device, and the mobile terminal carried by the user is an NFC target device. The NFC initiation device sends site information, address position information, a payment request message and the like to the mobile terminal in a radio frequency mode, and the mobile terminal completes mobile payment according to the information.

Currently, in a scene of traveling by public transportation means such as subway, when a user starts riding and finishes riding, the user may need to perform two operations on a portable mobile terminal to complete one fee deduction operation. But this is done based on the same account registered with the same application. However, in some cases, the payment means used by the user in inbound and outbound may belong to different accounts registered with the same application. The following description will take subway riding examples of a common code scanning payment mode and an NFC payment mode.

In the first scenario, a certain application program with a payment function of the mobile terminal supports multiple applications, for example, an account a1 and an account a2 of the application program are simultaneously logged in. When a user enters an initial riding station, the mobile terminal is triggered to display a subway card interface of the account a1, and then a two-dimensional code in the subway card interface of the account a1 is aligned to a code scanning device of a station entering gate. After the two-dimension code is scanned by the code scanning equipment of the station entering gate, the station entering gate opens the gate and sends code scanning information to the server. After taking the subway, the user may trigger the account a1 to run in the background and trigger the foreground to display the interface of the account a2, for example, use the account a2 to perform operations such as receiving and sending an express, purchasing a movie ticket, watching a video or chatting. When the user leaves the terminal boarding station, the current interface is still the interface for account a2. If the user aligns the two-dimension code in the subway card interface of the account a2 with the code scanning equipment of the outbound gate, after the code scanning equipment of the outbound gate scans the two-dimension code, the outbound gate opens the gate and sends the code scanning information to the server.

Because the two code scanning messages received by the server correspond to two different accounts, the server can judge that the account a1 does not have outbound messages, the account a2 does not have inbound messages, and fees are deducted from the account a1 and the account a2 according to the highest fee deduction upper limit respectively, so that the payment experience of a user is reduced.

In the second scenario, the electronic wallet of the mobile terminal binds a plurality of riding cards, and each riding card can pay in a Near Field Communication (NFC) payment mode. In general, in the case where a user sets a certain bus card of a plurality of bus cards as a default bus card, when the user takes a subway, if the user approaches or touches the mobile terminal to the NFC device of the gate, the mobile terminal automatically deducts the default bus card in an activated state. However, in the case where the user does not set the default bus card for payment, before the user brings the mobile terminal close to or into contact with the NFC device of the gate, the user first triggers the mobile terminal unlock screen and selects one of the plurality of bus cards to bring the bus card into an activated state. Then, the user brings the mobile terminal close to or in contact with the NFC device of the dock, thereby making a ride payment using the ride card in the activated state.

However, if the user forgets the ride card selected at the time of the arrival at the arrival station, the ride card selected at the arrival station and the ride card selected at the arrival station may be different. Therefore, the mobile terminal can deduct fees from both riding cards according to the highest deduction upper limit, so that the payment experience of a user is reduced; or before the user goes out, the mobile terminal prompts the user to switch the currently selected riding card to the riding card selected when the user goes in, so that the user operation is complicated.

Therefore, aiming at the scene that the mobile terminal needs to be operated twice when the user starts riding and finishes riding so as to finish one-time fee deduction operation, if the account or the riding card selected by the user when the user starts riding and finishes riding is different, the fee deduction is caused twice, and the payment experience of the user is reduced. In view of the above problems, the embodiment of the present application provides a payment method: if the payment information of the starting and ending of the riding is the payment information of two payment accounts registered by a user in the same application program, whether a single riding event occurs is judged. When a single ride event occurs, a single ride cost is calculated based on the number of stops, the time and/or mileage of the ride, and the like. And then, the single riding fee is deducted from any one of the two payment accounts, so that abnormal conditions such as repeated fee deduction and the like are avoided, and the payment experience of the user is improved.

It should be noted that the mobile terminal may be a mobile terminal device having a wireless communication function, such as a mobile phone, a wearable device, a tablet computer, a notebook computer, or a personal digital assistant (personal digital assistant, PDA), etc. The wearable device can be a smart watch, a smart bracelet, a smart glasses or the like. Can be determined according to actual use requirements, and the embodiment of the application is not limited.

In the following, a specific payment method of the code scanning payment method and the NFC payment method will be exemplarily described by using the mobile terminal as a mobile phone and the travel mode as a subway as an example through the following first embodiment and the second embodiment. It should be noted that, the payment method provided by the embodiment of the application is not only suitable for subways, but also suitable for light rail trolleys, guide rail trolleys, inter-city express buses, or any traffic tools which need to be operated twice to finish one-time deduction operation, such as buses with two code scanning devices arranged at the boarding position and the alighting position. In addition, the entrance gate and the exit gate are the same gate equipment or different gate equipment.

Example 1

Fig. 1 shows a schematic diagram of a communication system when a user rides a subway using a code scanning payment method.

As shown in fig. 1, the communication system includes: a mobile phone 01 carried by a user, an entrance gate 02 arranged at an entrance of a starting station, a subway 03 ridden by the user, an exit gate 04 arranged at an exit of a destination station, a subway system server 05 for taking charge of subway operation, and a payment platform server 06. The entrance gate 02 comprises a code scanning device 021, the exit gate 04 comprises a code scanning device 041, and the code scanning device 021 and the code scanning device 041 are used for scanning two-dimensional codes, bar codes or other riding payment codes.

The application program a of the mobile phone 01 supports multiple applications, for example, the account a1 and the account a2 of the payment application a are simultaneously logged in, and therefore, the mobile phone 01 can be used for displaying the two-dimensional code of the account a1 and the two-dimensional code of the account a 2. For example, when the user enters the initial boarding station, the mobile phone 01 displays the two-dimensional code interface of the account a1, so that the user aligns the two-dimensional code interface of the account a1 to the code scanning device 021 of the boarding gate 02 to realize boarding. For another example, when the user leaves the terminal boarding station, the mobile phone 01 displays the two-dimensional code interface of the account a2, so that the user aims the two-dimensional code interface of the account a2 at the code scanning equipment 041 of the outbound gate 04 to realize outbound.

The entrance gate 02 is disposed at an entrance of a subway station (e.g., a user's initial boarding station), and is configured to scan two-dimensional codes from different accounts by the code scanning device 021, and send scanned payment information to the subway system server 05, for example, send information of the account a1 to the subway system server 05. In addition, the docking gate 02 may also be used to control the gate to open in the event that payment information is verified successfully, thereby enabling a user to dock and ride.

The subway 03 is used for traveling along a preset route under the control of the subway system server 05, and the stations of the preset route include a start riding station of the user and an end riding station of the user. Subway 03 can also be used to play arrival information, terminal information, and the like according to the travel schedule.

The outbound gate 04 is disposed at an outbound port of a subway station (e.g., a terminal riding station of a user), and is used for scanning two-dimensional codes from different accounts through the code scanning device 041, and transmitting scanned payment information to the subway system server 05, for example, transmitting information of the account a2 to the subway system server 05. In addition, the outbound gate 04 can also be used for controlling the gate to open under the condition that the payment information is successfully verified, so that the user can smoothly go out.

The subway system server 05 serves as a control center of the whole subway system, and is in communication connection with the entrance gate 02, the exit gate 04, the subway 03 and the like. In one aspect, the subway system server 05 may be configured to receive travel information such as a travel speed and a travel position transmitted by a subway, transmit scheduling information to the subway, and broadcast subway arrival information to passengers. On the other hand, the subway system server 05 may be configured to receive the payment information transmitted from the inbound gate 02 and the outbound gate 04, and transmit the payment information to the paymate server 06, for example, the payment information of the account a1 and the payment information of the account a2 to the paymate server 06.

Paymate server 06 is a background server of a third party application that cooperates with the subway system. For example, paymate server 06 is a background server of payment application a used by the user. The payment platform server 06 is configured to receive the payment information of the account a1 and the payment information of the account a2 forwarded by the subway system server 05, and deduct fees according to the payment information of the account a1 and the payment information of the account a 2. For example, paymate server 06 may detect whether account a1 and account a2 belong to the same user; further judging whether a single riding event occurs or not under the condition of belonging to the same user; then, when it is determined that the user has generated a single riding event, a single riding fee is calculated based on the number of stations, riding time, riding mileage, and the like, and then the fee is deducted from the account a1 or the account a2 according to the riding fee, and fee deduction information is transmitted to the mobile phone 01.

The user of the embodiment of the application may also be referred to as a passenger, and the account of the payment application may also be referred to as an account number.

Note that, in the embodiment of the present application, the payment information of the account is forwarded to the paymate server 06 by the inbound gate 02 and the outbound gate 04 through the subway system server 05. It will be appreciated that in actual implementation, the outbound gate 02 and the inbound gate 04 may also send account information directly to the paymate server 06.

In addition, the embodiment of the present application is exemplified by taking the subway system server 05 and the paymate server 06 as two independent servers. It will be appreciated that in actual implementation, the subway system server 05 and the paymate server 06 may be the same server. For example, the control function and the fare deduction function of the subway system are integrated into the subway system server 05, and an application program specially designed for the subway system is provided for the user. Thus, when the user uses the application program to sweep codes in the mobile phone, the subway system server 05 can directly deduct fees from the account of the user.

Fig. 2 is a flow chart of a payment method when a user uses a two-dimensional code to take a subway according to an embodiment of the present application. The method can be applied to any public transport means which needs to use the mobile phone to carry out code scanning operation twice when a user starts riding and finishes riding so as to finish one-time fee deduction operation. It should be noted that the code scanning device for scanning the two-dimensional code may be disposed on the public transportation means, or may be disposed separately from the public transportation means, which is not limited by the embodiment of the present application.

Taking the communication system shown in fig. 1 as an example, as shown in fig. 2, the method may include the following S201-S214.

S201, the mobile phone 01 responds to the triggering operation of the user on the account a1 of the payment application A, and displays the two-dimensional code corresponding to the account a 1.

The payment application a is an application program supporting electronic payment or mobile payment. For example, payment application a may be a payment application provided by a third party paymate; but may also be a native payment application provided by the handset 01, such as an electronic wallet or a mobile wallet.

Take the example of a payment application provided by payment application a for a third party paymate. When the payment application a is used for the first time, the user needs to register an account a1 in the payment application a, set an identity (identity document, ID), a head portrait and a nickname for the account a1, perform user identity authentication by adopting credentials such as an identity card, a passport or a driver license, bind a bank card for payment for the account, and the like. Thus, when the user subsequently uses the payment application a, if the account is a default login account, the user does not need to log in, and directly uses the account a1 to perform various operations, such as riding, collecting payment, transferring accounts, recharging, paying fees, receiving and sending express, taking a car, and managing money. Further, since one user may register a plurality of accounts, such as account a1 and account a2, with the payment application a, the application multi-open function may be employed to bring the plurality of accounts online at the same time.

Illustratively, suppose that payment application a has two accounts: an account a1 corresponding to the application icon 21 as shown in (a) in fig. 3 or (a) in fig. 4, and an account a2 corresponding to the application icon 24. When the user brings the mobile phone 01 to the position where the arrival gate 02 of the initial riding station is located, the user can click on the application icon 21 shown in (a) of fig. 3, so that the mobile phone 01 displays the home page interface corresponding to the account a1 shown in (b) of fig. 3. The user then clicks the "travel" control 22 in the home interface and selects a ride card. The mobile phone generates a two-dimensional code according to the riding card, and displays a travel interface 23 shown in (c) of fig. 3, wherein the travel interface 23 comprises the two-dimensional code. Thus, the user can face the two-dimensional code to the code scanning device 021 of the station gate 02, and the code scanning device 021 can scan and identify the two-dimensional code.

S202, the station entering gate 02 scans a two-dimensional code corresponding to the account a1 to obtain first payment information. Wherein the first payment information is used to indicate account a1.

The first payment information includes at least an account ID of the account a1. The account ID of the account a1 is used to identify the account a1. It should be appreciated that individual accounts may be distinguished based on account ID.

The first payment information may further include at least one of:

(1) A first device identification. The first device identification may be used to identify the handset 01.

For example, the first device identification may be a media access control address (media access control address, MAC), a mobile device identification code (mobile equipment identifier, MEID), an international mobile subscriber identification code (international mobile subscriber identity, IMSI), and/or an international mobile device identification code (international mobile equipment identity, IMEI), etc. It should be appreciated that individual handsets may be distinguished based on their device identification.

It should be noted that, the foregoing embodiments are described by taking the device identifier of the mobile phone carried by the two-dimensional code as an example, and the embodiments of the present application are not limited thereto. The embodiment of the application also provides another implementation mode: under the condition that the payment platform server stores the device identifiers of the mobile terminals logged in when each account is used, the two-dimensional code only needs to carry the account ID and does not need to carry the device identifiers, and therefore the payment platform server can determine the device identifiers of the mobile terminals logged in when each account is used according to the account ID.

(2) The first type of identification. The first type identification may be used to indicate the type of one ride card associated with account a 1.

Alternatively, one account may be associated with multiple ride cards of multiple types, such as bus cards and subway cards, and the like.

Further, for each ride type of ride card, one account may associate multiple classification cards, such as city 1 subway card, city 2 subway card, city 3 subway card, and the like.

When a user selects a certain riding card, the type identification of the riding card is encoded in the two-dimensional code, so that the arrival gate 02 can decode the type identification from the two-dimensional code interface, and whether the riding card selected by the user is a subway type or not is determined according to the type identification. For example, if the user selects the card x associated with the account a1 and the type identifier of the card x is used to indicate a bus card, the entry gate 02 determines that the type identifier does not belong to the subway type, so that the gate is not opened and the first payment information is not forwarded to the paymate server 06 through the subway system server 05.

(3) First time information. The first time information is used to indicate a time of arrival of the user.

For example, when the mobile phone 01 generates the two-dimensional code in response to the triggering operation of the user on the account a1, the mobile phone 01 may encode the current system time of the mobile phone 01 into the two-dimensional code. If the inbound gate 02 forwards the inbound time information to the paymate server 06 through the subway system server 05, the paymate server 06 may determine the inbound time of the user and calculate the ride cost based on the inbound time.

The above embodiment is exemplified by taking the system time of the mobile phone as the arrival time of the user. The embodiment of the application also provides another implementation mode, and the time of scanning or decoding the two-dimension code is taken as the arrival time of the user by the arrival gate. It should be understood that, since there is a certain delay from the generation of the two-dimension code by the mobile phone to the decoding of the inbound gate, the time of decoding the two-dimension code by the inbound gate is more accurate as the inbound time.

(4) First user information. The first user information is used to indicate a real-name authenticated user associated with account a 1.

For example, the user information may be a certificate number of a certificate such as an identity card, passport, or driver's license, or other information that may be used to identify the identity of the user. It should be appreciated that since these credential numbers are unique, it can be determined from these credential numbers whether different accounts belong to the same real-name authenticated user.

The above embodiments are described by taking the two-dimensional code carrying the user information as an example, and the embodiments of the present application are not limited thereto. The embodiment of the application also provides another implementation mode, and under the condition that the payment platform server stores the user information corresponding to each account, the two-dimensional code only needs to carry the account ID and does not need to carry the user information corresponding to the account ID, so that the payment platform server determines the user information corresponding to the account ID according to the account ID.

(5) First preference information. The first coupon information is used to indicate each riding coupon included in the account a1, such as a year card, a quarter card, a month card, a week card, a coupon, a red pack, and the like.

The foregoing embodiments are described by taking the two-dimensional code carrying the preferential information of the account as an example, and are not limited to the embodiments of the present application. The embodiment of the application also provides another implementation mode, and under the condition that the payment platform server stores the preferential information corresponding to each account, the two-dimensional code only needs to carry the account ID and does not need to carry the preferential information corresponding to the account ID, so that the payment platform server determines the preferential information corresponding to the account ID according to the account ID.

(6) First balance information indicating a balance of the account a 1.

In one implementation, where the first payment information includes at least the account ID of account a1, the inbound gate 02 may forward the first payment information directly to paymate server 06 through subway system server 05. In another implementation manner, in the case that the first payment information includes at least the account ID of the account a1 and the first type identifier, the inbound gate 02 may first determine whether the riding type indicated by the first type identifier is a subway type, and then forward the first payment information to the paymate server 06 in the case that the riding type indicated by the first type identifier is a subway type.

The first payment information includes at least an account ID and a first type identification of the account a1, which will be described below as an example.

S203, the inbound gate 02 judges whether the riding type indicated by the first type identification is a subway type. If the riding type indicated by the first type identifier is a subway type, the following S204 and S205 are executed; otherwise, the following S206 is performed.

S204, opening a gate by the station entering gate 02.

After the gate 02 is opened, the user can carry the mobile phone 01 to enter the initial riding station.

S205, the inbound gate 02 forwards the first payment information to the paymate server 06 through the subway system server 05.

Accordingly, paymate server 06 receives and stores the first payment information.

Alternatively, since the inbound gate 02 is disposed at the initial riding station, the first payment information forwarded by the inbound gate 02 to the paymate server 06 may further include: and the initial station information is used for indicating the initial riding station.

It should be noted that, in the embodiment of the present application, the execution order of S204 and S205 is not limited, and for example, both are executed simultaneously.

S206, the station entering gate 02 sends prompt information to the mobile phone 01. The prompt information is used for prompting a user to replace the riding card.

Illustratively, it is assumed that the first payment information includes a first device identification. When the entrance gate 02 detects that the riding type indicated by the first type identifier is not the subway type, the entrance gate 02 sends prompt information to the mobile phone 01 through the subway system server 05, the operator server and the like according to the first equipment identifier so as to prompt a user to replace the riding card.

S207, the mobile phone 01 responds to the triggering operation of the user on the account a2 of the payment application A, and displays the two-dimensional code corresponding to the account a 2.

For example, after riding on the subway, the user may trigger the account a1 to run in the background, and click on the application icon 24 shown in (a) of fig. 4, so as to trigger the mobile phone 01 to display the home page interface corresponding to the account a2 shown in (b) of fig. 4 in the foreground. The user may perform a top-up, pay-out, credit card repayment, purchase of a financial product, or any other possible operation in the home interface. When the user arrives at the position of the outbound gate 04 of the terminal riding station, the user can click on the "trip" control 25 in the home interface, and then select a riding card. The mobile phone generates a two-dimensional code according to the riding card, and displays a travel interface 26 shown in (c) of fig. 4, wherein the travel interface 26 comprises the two-dimensional code. Thus, the user can face the two-dimensional code to the code scanning device 041 of the outbound gate 04, and the code scanning device 041 can scan and identify the two-dimensional code.

The two-dimensional code shown in (c) of fig. 3 is different from the two-dimensional code shown in (c) of fig. 4. The two-dimensional code shown in (c) in fig. 3 is generated according to the information of the account a1, and is used for entering the station; the two-dimensional code shown in (c) of fig. 4 is generated from the information of the account a2, and is used for outbound.

S208, the outbound gate 04 scans the two-dimensional code corresponding to the account a2 to obtain second payment information. Wherein the second payment information is used to indicate account a2.

Alternatively, the second payment information may include an account ID of the account a2. The account ID of account a2 is used to identify account a2. It should be appreciated that individual accounts may be distinguished based on account ID.

Further, the second payment information may further include at least one of:

(1) And a second device identification. The second device identification may be used to identify the handset 01.

(2) A second type of identification. The second type identification may be used to indicate the type of one ride card associated with account a2.

(3) And second time information. The second time information may be used to indicate the outbound time of the user.

(4) Second user information. The second user information may be used to indicate a real-name authenticated user associated with account a2.

(5) And second preference information. The second offer information may be used to indicate individual ride offers contained by account a 2.

(6) And second balance information indicating a balance of the account a 2.

For the description of each piece of information included in the second payment information, reference may be made to the description of each piece of information included in the first payment information in the above embodiment, which is not repeated here.

It should be noted that the plurality of information included in the first payment information and the second payment information may be divided into a plurality of categories. For example, the first device identification and the second device identification belong to one category, the first type identification and the second type identification belong to one category, and the first time information and the second time information belong to one category.

In one implementation, in the event that the second payment information includes at least the account ID of account a2, the outbound gate 04 may forward the second payment information directly to paymate server 06 through subway system server 05. In another implementation manner, in the case that the second payment information includes at least the account ID of the account a2 and the second type identifier, the outbound gate 04 may first determine whether the riding type indicated by the second type identifier is a subway type, and then forward the second payment information to the paymate server 06 in the case that the riding type indicated by the second type identifier is a subway type.

The second payment information includes at least the account ID of the account a2 and the second type identification, which will be described below as an example.

S209, the outbound gate 04 judges whether the riding type indicated by the second type identification is a subway type. If the riding type indicated by the second type identification is the subway type, the following S210 and S211 are executed; otherwise, the following S212 is performed.

S210, opening a gate by the outbound gate 04.

After the gate is opened by the outbound gate 04, the user can leave the terminal station with the mobile phone 01.

S211, the outbound gate 04 forwards the second payment information to the paymate server 06 through the subway system server 05.

Accordingly, paymate server 06 receives and stores the second payment information.

Alternatively, since the inbound gate 02 is disposed at the initial boarding station, the second payment information forwarded by the outbound gate 04 to the paymate server 06 may further include: terminal station information for indicating a terminal boarding station of the user.

S212, the outbound gate 04 sends prompt information to the mobile phone 01. The prompt information is used for prompting a user to replace the riding card.

Illustratively, it is assumed that the second payment information includes a second device identification. When the outbound gate 04 detects that the riding type indicated by the second type identifier is not the subway type, the outbound gate 04 sends prompt information to the mobile phone 01 through the subway system server 05, the operator server and the like according to the second equipment identifier so as to prompt the user to replace the riding card.

S213, the payment platform server 06 judges whether a single riding event exists according to the first payment information and the second payment information.

Unlike the conventional payment method, which deducts fees from both account a1 and account a2 according to the highest deduction upper limit, the embodiment of the present application determines the first payment information and the second payment information, and determines whether there is a single riding event. If there is a single ride event, the following S214 is executed. If the two riding events exist, deducting fees from both accounts. If no riding event exists, no fee deduction is carried out.

The single ride event is also referred to as a single ride fact, and refers to a fact that a user completes a journey from a start ride stop to an end ride stop within a predetermined period of time by riding a certain type of vehicle. The preset duration is the maximum duration calculated according to the distance from the starting station to the terminal station. Taking a subway as an example, the maximum duration includes a maximum waiting duration at a start bus station, a maximum bus duration from the start bus station to an end bus station, a maximum duration from an entrance gate to a boarding subway, and/or a maximum duration from a departure subway to an exit gate.

In addition, the absence of a ride event, also referred to as an un-ride event or a non-ride event, means that the user is not riding a public transportation. In particular, in the present application, the absence of a ride event means that the start ride station and the end ride station are the same station, or the inbound gate and the outbound gate are located at the same station.

S214, the payment platform server 06 deducts the single-time bus fee from the account a1 or the account a2 according to the target payment policy.

The single ride cost is a ride cost paid for completing a single ride event. It should be appreciated that the single ride cost is less than or equal to the upper highest deduction limit, which is the highest cost paid to complete any one ride event.

After the paymate server 06 deducts the single-time bus fee from the account a1 or the account a2 according to the target payment policy, the paymate server 06 will transfer the single-time bus fee to the account of the subway system server 05 and notify the subway system server 05. In addition, the payment platform server 06 also sends fee deduction information to the mobile phone 01, so that the user can timely learn the fee deducted from the current bus.

The embodiment of the application provides a payment method for a user to take a subway by using a two-dimension code, if payment information for starting to take the subway and payment information for ending to take the subway are the payment information of two payment accounts registered by a certain user in the same application program, whether a single riding event occurs or not is judged, and under the condition that the single riding event occurs, single riding expense is deducted from any one payment account of the two payment accounts, so that payment experience of the user is improved.

Fig. 2 is a payment flow when a user uses a two-dimensional code to ride a subway, which is described from the viewpoint of interaction between a plurality of devices. The payment flow for a single payment account will be described in detail below from the perspective of the paymate server.

Fig. 5 is a flowchart of a payment method performed by a paymate server according to an embodiment of the present application. The execution subject of the method is a paymate server or a chip in the paymate server, etc. As shown in fig. 5, the method may include S501-S510 described below.

S501, the paymate server 06 receives the first payment information from the inbound gate 02. The first payment information is riding payment information of a real-name authentication user A.

The first payment information includes at least an account ID of the account a 1. Of course, the first payment information may also include other information. Reference may be made to the description of embodiment S202 described above, and the description is omitted here.

For example, if the first payment information includes the account ID of the account a1 and does not include the user information, if the first user information corresponding to the account a1 is stored in the database of the paymate server, the real-name authentication user a is determined based on the first user information. Wherein the first user information may be used to indicate a real-name authenticated user a associated with account a 1.

For another example, if the second payment information includes an account ID of the account a1 and first user information indicating a real-name authenticated user a associated with the account a1, the payment platform server determines the real-name authenticated user a.

S502, the paymate server 06 determines a first information set according to the first payment information. The first information set is used for judging whether the first information set is a single riding event of the user A.

Optionally, the first information set includes at least: the account ID of the account a1 and the first user information. Wherein the account ID of account a1 is used to identify account a1, the first user information may be used to indicate a real-name authenticated user a associated with account a 1.

Further, the first information set may further include at least one of:

a first device identification that may be used to identify the handset 01 logging into account a 1;

a first type identification that may be used to indicate a type of a ride card associated with account a 1;

first time information, which may be used to indicate the time of arrival of a real-name authenticated user a;

first preference information, which may be used to indicate respective riding preference items contained in the account a 1;

First station information that may be used to indicate a start boarding station for a real-name authenticated user a;

first balance information indicating a balance of the account a 1.

Taking the example that the first payment information includes the account ID of the account a1 and does not include the user information, a method for determining the first information set by the paymate server 06 is described below in connection with fig. 6:

(1) according to the account ID of the account a1, first user information is determined and added to the first information set.

(2) It is determined whether the first payment information includes a device identification. If the first payment information includes a first device identification, the first device identification is added to the first information set. If the first payment information does not include a device identification, the database of paymate server 06 is searched for a first device identification corresponding to the account ID of account a1 and the first device identification is added to the first information set.

(3) It is determined whether the first payment information includes a type identifier. If the first payment information includes a first type identification, the first type identification is added to the first information set. If the first payment information does not include a type identifier, a first type identifier corresponding to the account ID of the account a1 is found in the database of the paymate server 06 and is added to the first information set.

(4) It is determined whether the first payment information includes time information. If the first payment information includes first time information, the first time information is added to the first information set. If the first payment information does not include time information, the first time information corresponding to the account ID of the account a1 is found in the database of the paymate server 06 and added to the first information set.

(5) And judging whether the first payment information comprises preferential information. If the first payment information includes first offer information, the first payment information is added to the first information set. If the first payment information does not include the offer information, the first offer information corresponding to the account ID of the account a1 is found in the database of the paymate server 06, and the first payment information is added to the first information set.

(6) And judging whether the first payment information comprises balance information. If the first payment information includes first balance information, the first balance information is added to the first information set. If the first payment information does not include balance information, the first balance information corresponding to the account ID of the account a1 is found in the database of the paymate server 06 and added to the first information set.

(7) It is determined whether the first payment information includes site information. If the first payment information includes first site information, the first site information is added to the first information set.

It should be noted that, the execution sequence of (2) - (7) is not limited in the embodiment of the present application, and may be adjusted according to actual use requirements.

After paymate server 06 determines the first set of information from the first payment information, paymate server 06 may detect whether other payment information associated with real-name authenticated user a is received. In some cases, such as a mobile phone being turned off, a code scanning failure, a poor network condition, or other various reasons, the mobile phone cannot timely send payment information to the paymate server 06, or the paymate server 06 may not timely obtain payment information when the user is out of the office. Therefore, if the paymate server 06 detects for a long time whether other payment information associated with the real-name authenticated user a is received, it may cause high power consumption. In order to solve this technical problem, another implementation manner is provided in the embodiment of the present application: after the paymate server 06 determines the first information set according to the first payment information, it is detected whether other payment information associated with the real-name authenticated user a is received within a preset time, i.e., S503 described below is performed.

S503, the payment platform server 06 starts a timer and detects whether other payment information associated with the real-name authentication user A from the outbound gate is received within a first preset time period; and ending the timing and stopping detection until the timing duration reaches the first preset duration.

If the second payment information associated with the real-name authenticated user a from the outbound gate 04 is received within the first preset time period, the timing is terminated in advance, the detection is stopped, and the following S504 is executed; otherwise, S503 is continued to be executed for the first preset time period.

Wherein the second payment information includes at least an account ID of the account a 2. It should be understood that the second payment information may further include other information, and reference may be made to the description of the above embodiment S208, which is not repeated here.

For example, if the second payment information includes the account ID of the account a2 and does not include the user information, if the second user information corresponding to the account ID of the account a2 is stored in the database of the paymate server, it is determined that the payment information associated with the real-name authenticated user a is received based on the second user information. Wherein the second user information may be used to indicate a real-name authenticated user a associated with account a 2.

For another example, if the second payment information includes an account ID of the account a2 and second user information, and the second user information is used to indicate a real-name authenticated user a associated with the account a2, it is determined that the payment information associated with the real-name authenticated user a is received.

Optionally, the first preset duration may be a maximum riding duration calculated according to a distance between two farthest subway stations in all subway stations of the subway system; the maximum riding time length can be calculated according to the initial riding station and the distance between the subway stations farthest from the initial riding station. The initial riding station can be determined according to initial station information included in the first payment information.

S504, the payment platform server 06 determines a second information set according to the second payment information. The second information set is used for judging whether the first information set is a single riding event of the user.

Optionally, the second information set includes at least: account ID of account a2 and second user information. Wherein the account ID is used to identify account a2 and the second user information may be used to indicate a real-name authenticated user a associated with account a 2.

Further, the second set of information may further comprise at least one of:

A second device identification, which may be used to identify the handset 01 logging into account a 2;

a second type of identification that may be used to indicate a ride card associated with account a 2;

second time information that may be used to indicate an outbound time of the real-name authenticated user a;

second preference information, which may be used to indicate respective riding preference items contained in the account a 2;

second station information that may be used to indicate a terminal boarding station for the real-name authenticated user a;

and second balance information indicating a balance of the account a 2.

For the method for determining the second information set, the method for determining the first information set may refer to S502 described above, and will not be described herein.

S505, the paymate server 06 judges whether a single riding event exists according to the first information set and the second information set. If there is a single ride event, the following S506 and S507 are executed; if there are two ride events, the following S508 is executed; if there is no riding event, S509 described below is executed.

The paymate server 06 may first obtain the detection result of each type of information in the first information set and the second information set; and determining whether the detection result of each type of information meets the condition of a single riding event. In the case where the detection result of each type of information meets the condition of the single ride event, it is determined that there is a single ride event, and S506 and S507 described below are executed. In the case that the detection result of at least one category does not meet the condition of the single riding event, determining that the riding event is two times or not. Specifically, if there are two ride events, it is necessary to calculate a single ride charge for each of the two accounts and to respectively deduct the single ride charge for each account, the following S508 is performed. If there is no ride event, the following S509 is executed without deduction.

Alternatively, it may be determined whether the detection result of each type of information meets the condition of a single ride event by the following (1) - (3).

(1) And judging whether the first equipment identifier and the second equipment identifier indicate the same mobile phone. And if the first equipment identifier and the second equipment identifier indicate the same mobile phone, determining that the conditions of the single riding event are met. Otherwise, the condition of the single ride event is not met.

In the case where one real-name authenticated user registers a plurality of accounts, there may be a scenario where a plurality of devices simultaneously register a plurality of accounts. For example, a parent registers account a1 and account a2 with payment application a. Parents use a mobile phone 1 of a login account a1 to scan a code from a riding station u to enter a station to take a subway at 7:30 am, and get off the subway at 8:30 am at a riding station v near a company; children at 7:30 am use cell phone 2 logged in account a2 to walk in from stop u to stop and get off at 8:00 am at stop w near school. Since the child goes out before the parent scans the code, if it is not determined whether the device identifier indicates the same mobile phone, the paymate server 06 may determine that the child is a single riding event according to the payment information of the initial riding station of the account a1 and the payment information of the terminal riding station of the account a2, and deduct the riding fee from the account a 1. When a parent sweeps the code out of the station, a billing error may occur because the ride charge has been deducted from account a 1. It can be appreciated that by determining whether the first device identifier and the second device identifier indicate the same mobile phone, similar billing errors can be avoided.

Illustratively, the first equipment identity and the second equipment identity are each MEID. Assume that the first device identifier and the second device identifier are both: a000005526BE86, it is determined that both device identities indicate the same handset. Assume that a first device identity is: a000005526BE86, the second device identity is: a0000020C 7511A), then it is determined that the two device identifications indicate different handsets.

(2) And judging whether the first type identifier and the second type identifier indicate the same type of bus card. If the first type identifier and the second type identifier indicate the same type of bus card, determining that the condition of the single bus event is met. Otherwise, the condition of the single ride event is not met.

In the embodiment of the application, one paymate server may support the payment operation of various types of bus cards, such as subway cards, bus cards, light rail electric truck cards, rail electric car cards and inter-city express cards. If a user uses two different types of ride cards within a certain period of time, paymate server 06 may receive two types of identification corresponding thereto. If paymate server 06 does not compare the type of ride card indicated by the type identifier, a billing error may occur. It will be appreciated that by determining whether the first type of identification and the second type of identification indicate a ride card of the same ride type, similar billing errors may be avoided.

For example, if the first type of identification and the second type of identification both indicate subway cards, then it is determined that both types of identifications indicate the same type of ride card. If the first type of identification indicates a subway card and the second type of identification indicates a bus card, then it is determined that the two types of identification indicate different types of bus cards.

It should be noted that, in some cases, the subway cards indicated by the first type identifier and the second type identifier may belong to different cities or different subway companies, and at this time, the paymate server may determine that the two type identifiers indicate different types of bus cards. In addition, in some cases, the subway cards indicated by the first type of identification and the second type of identification may belong to different classification cards, for example, the first type of identification indicates a common subway card and the second type of identification indicates a student subway card, at which time the paymate server may determine that the two types of identifications indicate the same type of riding card.

(3) And judging whether the time interval indicated by the first time information and the second time information is smaller than or equal to a second preset duration. If the time interval indicated by the first time information and the second time information is smaller than or equal to the second preset duration, determining that the condition of the single riding event is met. Otherwise, the condition of the single ride event is not met.

The second preset duration is the maximum duration calculated according to the distance from the starting station to the terminal station. The initial ride station may be determined based on the first ride information. The terminal ride station may be determined based on the second ride information.

Taking a subway as an example, the maximum duration may include a maximum waiting duration at a start station, a maximum riding duration from the start station to an end station, a maximum duration from an entrance gate to a boarding subway, and/or a maximum duration from a departure subway to an exit gate.

As described in connection with S213 of the above embodiment, the single ride event refers to a user completing a journey from a start ride stop to an end ride stop within a preset period of time by riding a certain type of vehicle. When the time interval indicated by the first time information and the second time information is greater than the second preset duration, for example, the time interval is 1 day, the two-time riding event may belong to. Therefore, by judging whether the time interval indicated by the first time information and the second time information is less than or equal to the second preset time length, erroneous judgment of the two-time riding event as a single riding event can be avoided.

(4) It is determined whether the first station information and the second station information indicate the same boarding station. If the first station information and the second station information indicate different bus stops, determining that the conditions of the single bus taking event are met. Otherwise, the condition of the single ride event is not met.

Generally, a start boarding station and an end boarding station where a user rides a vehicle are different boarding stations. However, in a special case where a user forgets an article or an emergency occurs, the user may not get on a subway after entering the station through the entrance gate of a certain subway station and leave from the exit gate of the subway station. Therefore, by judging whether the first boarding station and the second boarding station indicate different boarding stations, erroneous deduction of fees to the user account can be avoided.

S506, the paymate server 06 determines the single bus fee of the single bus event according to the first information set and the second information set, and determines the target payment strategy.

S507, the payment platform server 06 deducts the single-time bus fee from the account a1 or the account a2 according to the target payment policy.

The ride cost for a single ride event may be determined by any of modes 1-3.

Mode 1, determining a riding fee based on first time information and second time information. For example, the departure time indicated by the second time information is subtracted from the arrival time indicated by the first time information to obtain the ride time. And then calculating the riding expense according to the riding time. It will be appreciated that the longer the ride time, the higher the ride cost.

Mode 2, determining a riding fee based on the first station information and the second station information. For example, the total number of stations taken by the user is calculated according to the initial station taken by the first station information and the final station taken by the second station information. Then, the riding fee is calculated according to the total number of stations. It will be appreciated that the more sites the higher the ride costs.

Mode 3, determining the riding fee based on the first time information of the first information set and the second time information of the second information set, and the first station information of the first information set and the second station information of the second information set.

The target payment policy may be an optimal payment policy for the user.

The embodiment of the application presets various payment strategies. Paymate server 06 may determine one payment policy, i.e., a target payment policy, from a variety of payment policies. Then, a ride card is determined that meets the target payment policy, and ride fees are deducted from the ride card.

Illustratively, the plurality of payment policies may include at least one of:

the transmitter sets a payment policy according to the balance of the account.

The 1 st mode, the payment policy, deducts the fare from the account with the large balance. For example, if the balance of account a1 is greater than the balance of account a2, the ride charge is deducted from account a 1.

The 2 nd mode, payment policy, deducts the ride charge from the balance-sufficient account. For example, if the balance of account a1 is less than the ride charge and the balance of account a2 is greater than or equal to the ride charge, the ride charge is deducted from account a2 according to the payment policy.

The urea sets a payment policy according to the type of the riding card of the account.

For the bus cards of the same bus type, the bus cards of different classifications correspond to different priorities.

For example, subway cards can be classified into general subway cards, student subway cards, love subway cards, and commemorative subway cards. The priority of the cards is as follows from high to low: student subway card & gt, loving subway card & gt, commemorative subway card & gt, common subway card. If the riding card type of the account a1 is a student subway card and the riding card type of the account a2 is a common subway card, the riding fee is deducted from the account a2 according to the payment policy.

⒊ a payment policy set according to the preference level of the account.

The preferential degree of the account refers to the reduced fee based on the riding fee. The more the reduced cost, the higher the degree of preference; the less the deducted cost, the lower the degree of preference.

For example, assuming a 5-ary ride charge, account a1 is 9-fold card, the reduced charge is 0.5-ary, and the post-fold charge is 4.5-ary; the account a2 is a 5-fold card, the reduced fee is 2.5 yuan, and the fee after folding is 2.5 yuan. Since account a2 offers a better level of preference, the ride charge is deducted from account a2 according to the payment policy. It will be appreciated that the use of a highly priced account for the payment of the ride may save the user costs.

⒋ a payment policy set according to the coupon deadline of the account.

Wherein the coupon deadline of the account refers to the deadline for expiration of the coupon. The ride advantage is enjoyed before the coupon deadline.

For example, the coupon deadline for account a1 is 2022.9.1 and the coupon deadline for account a2 is 2022.10.1, and since account a1 expires earlier than account a2, the ride charge is deducted from account a1 according to the payment policy, avoiding wasting coupons to some extent.

⒌ payment policies set according to the scan order of the account. The scanning order may be determined based on the inbound time and outbound time of the real-name authenticated user a.

The 1 st mode, payment policy, deducts the ride charge from the first scanned account a 1.

The 2 nd mode, payment policy, deducts the fare for the bus from the account a2 scanned later.

Optionally, for multiple payment policies, different payment policies correspond to different priorities. Paymate server 06 may select one of a plurality of payment policies in order of priority of the payment policies from high to low. Then, an account corresponding to the payment policy, such as account a1 or account a2, is determined. Thereafter, the single ride charge is deducted from the account a1 or the account a2.

Table 1 shows a correspondence table of the payment policy, the details of the account a1, and the details of the account a 2.

TABLE 1

In table 1, assume that the priorities of the 5 payment policies are, in order from high to low: the payment policy & gt is set according to the preferential degree of the account, the payment policy & gt is set according to the coupon deadline of the account, the payment policy & gt is set according to the riding card type of the account, the payment policy & gt is set according to the balance of the account, and the payment policy & gt is set according to the scanning sequence of the account. The preference degree of the account a1 and the account a2 is compared firstly according to the order of the priority of the payment strategy from high to low. Since the degree of preference for both account a1 and account a2 is 9, the coupon terms for account a1 and account a2 are compared again. Further, since the coupon deadlines of the account a1 and the account a2 are 2022.9.1, the types of the bus cards of the account a1 and the account a2 are compared. The riding card type of the account a1 is a student subway card, the riding card type of the account a2 is a common subway card, and the priority of the student subway card is higher than that of the common subway card in combination with the description of the above embodiment, so that the riding fee is finally deducted from the account a 1.

Although the balance of the account a2 is larger than the balance of the account a1, since the priority of the "payment policy set according to the riding card type of the account" is higher than the priority of the "payment policy set according to the balance of the account", the riding fee is deducted from the account a1 according to the "payment policy set according to the riding card type of the account".

S506 and S507 are exemplified by deducting the riding fee from the account a1 or the account a2, and are not limited to the embodiment of the present application. The embodiment of the application also provides another implementation mode, after the payment platform server determines the target payment strategy and the riding fee, if the balance of the account to be paid is smaller than the riding fee, the balance of the account to be paid is deducted, and the unpaid fee is deducted from the other account outside the account to be paid. That is, the paymate server deducts the ride charge from both accounts.

S508, the paymate server 06 deducts the single-ride fee of the account a1 and the single-ride fee of the account a2, respectively.

After the paymate server 06 acquires the detection result of each type of information in the first information set and the second information set, it is determined as a two-ride event if the following condition 1, condition 2, or condition 3 is satisfied.

The method comprises the steps that 1, a first equipment identifier and a second equipment identifier indicate different mobile phones;

condition 2, the first type of identification and the second type of identification indicating different types of ride cards;

the time interval indicated by the condition 3, the first time information and the second time information is greater than a second preset duration.

Illustratively, the highest deduction upper limit is 8-ary. In the case of determining the two-time riding event, the paymate server 06 calculates the single riding fee of the account a1 as 8 yuan according to the highest deduction upper limit, calculates the single riding fee of the account a2 as 8 yuan, and deducts 8 yuan from the account a1 and the account a2 respectively.

S509, the paymate server 06 does not pay the fee for the card b1 and the card b 2.

When a user forgets an article or an emergency occurs, the user may not get on the subway after entering the station through the entrance gate of a certain subway station and leave from the exit gate of the subway station, and no riding event occurs. For example, if the first station information and the second station information indicate the same boarding station, the paymate server 06 determines that no boarding event has occurred, and does not charge the boarding card b1 and the boarding card b2, thereby avoiding a false charge to the user account.

After the above S507 and S508, the following S510 may also be included.

S510, the payment platform server 06 sends the information of deducting the bus charge to the mobile phone logging in the paid account.

After the paymate server 06 deducts the bus fee from the account a1 and/or the account a2, the paymate server 06 sends the information of deducting the bus fee to the mobile phone logging in the paid account, so that the user can learn the consumption information in time.

In the embodiment of the application, when a user enters an initial riding station with a mobile phone, the user selects the account a1 and aligns the two-dimensional code in the subway card interface of the account a1 to the code scanning equipment of the entering station gate, so that the server can acquire the first payment information. When the user leaves the terminal station with the mobile terminal, the user selects an account a2, and the two-dimensional code in the subway card interface of the account a2 is aligned to the code scanning equipment of the outbound gate, so that the server can acquire second payment information. If the server determines that the first payment information and the second payment information are the payment information of the same user, the server judges whether a single-time riding event occurs, calculates single-time riding expense according to the first payment information and the second payment information under the condition that the single-time riding event occurs, and deducts fees from one payment account according to the single-time riding expense, so that payment experience of the user is improved.

Example two

Fig. 7 shows a schematic diagram of a communication system when a user rides a subway using an NFC payment method.

As shown in fig. 7, the communication system includes: a mobile phone 01 carried by a user, an entrance gate 02 arranged at an entrance of a starting station, a subway 03 ridden by the user, an exit gate 04 arranged at an exit of a destination station, a subway system server 05 for taking charge of subway operation, and a payment platform server 06. Wherein the handset 01 comprises an NFC target device (not shown). The inbound gatherer 02 includes an NFC device 022, and the outbound gatherer 04 includes an NFC device 042.NFC device 022 and NFC device 042 are NFC initiating devices for generating a radio frequency field to request an NFC target device to pay a ride charge.

The electronic wallet of the mobile phone 01 is bound with a plurality of riding cards, and each riding card can pay in a riding mode by adopting an NFC payment mode. The mobile phone 01 is configured to receive, by the NFC target device, a request message from the NFC device 022 or the NFC device 042, and return a response message of the request message to the NFC device 022 or the NFC device 042, respectively, when the bus card is in an active state. The cellular phone 01 is also used for calculating the riding charge according to the request messages of the NFC device 022 and the NFC device 042, and paying the riding charge by using the riding card.

For example, when the user enters the initial boarding station, the user selects one boarding card from the plurality of boarding cards to put the boarding card in an activated state. The user brings the mobile phone 01 close to or in contact with the NFC device 022 such that the first request message is received in a case where the distance of the mobile phone 01 from the NFC device 022 is less than or equal to a preset distance. The first request message is used for indicating the access gate 02 to request the bus card in the activated state to make bus payment. Then, when the user leaves the terminal boarding station, the user selects another Zhang Chengche card from the plurality of boarding cards to put the boarding card in an activated state. Then, the user brings the mobile phone 01 close to or in contact with the NFC device 042, so that, if the distance between the mobile phone 01 and the NFC device 042 is smaller than or equal to the preset distance, a second request message is received, where the second request message is used to instruct the outbound gate 04 to request the bus card in the activated state to make bus payment. In this way, the mobile phone 01 can calculate the single-use charge according to the two request messages and deduct the single-use charge from any one of the car cards.

An inbound gate 02, disposed at an inbound port of a subway station (e.g., a user's initial boarding station), is configured to send a first request message to each cell phone that is near or in contact with NFC device 022. In addition, the inbound gate 02 may be further configured to control the gate of the inbound gate 02 to be opened when receiving the response message of the first request message returned by each mobile phone, so that the user can get in the bus.

The outbound gate 04 is disposed at an outbound port of a subway station (for example, a terminal riding station of a user) and is used for sending a second request message to each mobile phone approaching or contacting the NFC device 042. In addition, the outbound gate 04 may be further configured to control the gate of the outbound gate 04 to be opened when receiving the response message of the second request message returned by each mobile phone, so that the user can smoothly go out.

The subway system server 05 serves as a control center of the whole subway system, and is in communication connection with the entrance gate 02, the exit gate 04, the subway 03 and the like. In one aspect, the subway system server 05 may be configured to receive travel information such as a travel speed and a travel position transmitted by a subway, transmit scheduling information to the subway, and broadcast subway arrival information to passengers. On the other hand, the subway system server 05 may also be configured to receive the riding fee transferred from the paymate server 06.

Paymate server 06 is the background server of the electronic wallet. The paymate server 06 is used for transferring the riding fee to an account of the subway system server 05 and transmitting a transfer message to the subway system server 05 after the mobile phone 01 pays the riding fee using the electronic wallet.

Fig. 8 is a flowchart of a payment method when a user uses NFC to take a subway according to an embodiment of the present application. The method can be applied to any vehicle which needs to carry out NFC operation twice when a user starts riding and finishes riding so as to finish one fee deduction operation. It should be noted that the NFC initiator device for generating the radio frequency field may be disposed on the vehicle or may be disposed separately from the vehicle, which is not limited by the embodiment of the present application.

Taking the communication system shown in fig. 7 as an example, as shown in fig. 8, the method may include the following S801-S816.

S801, the mobile phone 01 activates the card b1 in response to a trigger operation of the card b1 by the user.

Optionally, the electronic wallet is a payment application for electronic payment or mobile payment. For example, the electronic wallet is a native payment application provided by the mobile phone 01 or a payment application provided by a third party payment platform, and embodiments of the present application are not limited.

Take the example of a payment application provided by an electronic wallet as a system of the mobile phone 01. When the electronic wallet is used for the first time, a user needs to register an account in the electronic wallet, for example, set an ID, a head portrait and a nickname for the account, and adopt credentials such as an identity card, a passport or a driving license to perform user identity authentication, bind a bank card for payment for the account, and the like. Further, the user can bind a plurality of riding cards for the electronic wallet and set a deduction mode of riding fees of the plurality of riding cards.

Alternatively, one way is for the user to separately recharge each of the plurality of ride cards using an electronic wallet. When a certain riding card is used for riding, riding fees are deducted from the balance of the riding card. Alternatively, the user binds each of the plurality of ride cards to the electronic wallet separately. When riding a car with a riding card, the riding fee is deducted from the balance of the electronic wallet or the riding fee is deducted from a bank card bound with the electronic wallet.

It should be noted that if at least two riding cards of the electronic wallet are in an activated state, payment conflicts may be generated by the two riding cards when the user rides on the subway using NFC. To avoid this problem, embodiments of the present application allow at most one ride card to be in an active state.

An alternative 1 is that in a normal case, a plurality of riding cards are all in an inactive state. When a trigger operation of a user to a certain car card is received, the car card is switched from an inactive state to an active state. Then, when the state switching condition is satisfied, the card is switched from the active state to the inactive state.

Wherein the state switching condition may include any one of: the time length of the bus card in the activated state reaches the preset activated time length, the NFC signal sent by the NFC equipment is received, the operation of triggering the activation state of the bus card to be closed by a user is received, the activation operation of other bus cards by the user is received, and the like.

The 2 nd alternative way is that, in the case of receiving a trigger operation of a certain car card by a user, the car card is switched from the inactive state to the active state, and the active state is maintained. And switching the other Zhang Chengche card from the inactive state to the active state and keeping the active state until the triggering operation of the other riding card by the user is received.

The following description will take the 1 st alternative as an example.

Illustratively, assume that the mobile phone's e-wallet binds a ride card b1 and a ride card b2. In a normal case, both the card b1 and the card b2 are in an inactive state. As shown in fig. 9 (a), when the user clicks the icon 31 of the electronic wallet in the desktop, the mobile phone 01 displays a home page interface corresponding to the electronic wallet as shown in fig. 9 (b). Then, the user clicks the "card pack" control 32 in the home interface, and the mobile phone 01 displays "NFC all-purpose card 1"33 and "NFC all-purpose card 2"34 as shown in (c) of fig. 9 or (d) of fig. 9 in the card pack interface. Wherein, "NFC all-purpose card 1"33 is used to indicate the riding card b1, and "NFC all-purpose card 2"34 is used to indicate the riding card b2.

The user may then trigger activation of either of the ride cards through selection inputs to "NFC all-purpose card 1"33 and "NFC all-purpose card 2" 34. Take the example of selecting "NFC all-purpose card 1"33 when the user enters the station. As shown in (c) of fig. 9, after the user clicks "NFC all-purpose card 1"33, the ride card b1 indicated by "NFC all-purpose card 1"33 is activated. If the user brings the mobile phone 01 close to or in contact with the NFC device 022 of the docking station gate 02, the mobile phone 01 receives a first request message sent by the docking station gate 02 in the form of an NFC signal when the distance between the mobile phone 01 and the docking station gate 02 is smaller than or equal to a preset distance.

S802, when the distance between the mobile phone 01 and the inbound gate 02 is smaller than or equal to a preset distance, the mobile phone 01 receives a first request message sent by the inbound gate 02 in the form of NFC signals. The first request message is used for indicating the access gate 02 to request the bus card in the activated state in the mobile phone 01 to pay the bus.

The first request message may further include station information corresponding to the inbound gate 02, that is, the first request message carries the user's starting boarding station.

The preset distance is a transmission distance or a maximum identification distance of the NFC equipment.

For example, the maximum recognition distance of the NFC device may take a value in the range of [1cm,20cm ].

Taking the maximum recognition distance of 10cm as an example. The NFC device 022 of the docking station portal 02 continuously transmits a first request message in the form of an NFC signal to request each of the handsets near the NFC device 022 to make a ride payment. In the case where the boarding card b1 of the mobile phone 01 is in the activated state, if the distance between the mobile phone 01 and the NFC device 022 is less than or equal to 10cm, the mobile phone 01 receives the first request message sent by the NFC device 022 in the form of an NFC signal.

S803, the mobile phone 01 generates and stores a first information set associated with the driver card b1 in response to the first request message. The first information set is used for judging whether the vehicle is a single riding event or not.

The first information set includes at least an account ID of the ride card b1. The account ID of the card b1 is used to identify the card b1. It should be appreciated that individual accounts may be distinguished based on the account ID of the ride card.

The first set of information may further comprise at least one of:

(1) First time information. The first time information is used to indicate the time when the user is standing using the ride card b1.

For example, the mobile phone 01 may use the time when the first request message is received as the user's arrival time, or the time when the response message of the first request message is transmitted to the arrival gate 02 as the user's arrival time.

(2) First preference information. The first preference information is used for indicating each riding preference item contained in the riding card b 1. Wherein the ride preference may include: a degree of preference, a coupon deadline, etc. Since the mobile phone 01 stores the respective riding offers contained in the riding card b1, the mobile phone 01 can add the riding offers to the first information set.

(3) First site information. The first station information is used to indicate a starting boarding station of the user. According to the above S802 description, since the first request message includes the station information corresponding to the inbound gate 02, the mobile phone 01 can determine the station information corresponding to the inbound gate 02 from the first request message and add the station information to the first information set.

(4) Type of ride card b 1. For example, the riding card b1 may be of a general subway card, a student subway card, an loving subway card, a commemorative subway card, or the like. Since each car-taking card will annotate the type, the cell phone 01 can directly add the type of the car-taking card b1 to the first information set.

(5) The first information set may further include a balance of the card b1 on the premise that the user charges the card b1 in advance.

S804, the mobile phone 01 sends a response message of the first request message to the inbound gatherer 02 in the form of NFC signals. The response message of the first request message is used for indicating that the mobile phone 01 agrees to adopt the bus card to pay by bus.

S805, the station entering gate 02 opens the gate.

After the inbound gate 02 receives the response message of the first request message, the inbound gate 02 verifies the response message of the first request message to determine whether the mobile phone 01 agrees to make the riding payment. If the verification is passed, the entrance gate 02 opens the gate and the user can enter the initial boarding station.

S806, the mobile phone 01 activates the card b2 in response to the triggering operation of the user to the card b2.

For example, after a user rides on a subway, if the duration of the active state of the bus card b1 reaches the preset active duration, the bus card b1 is automatically switched from the active state to the inactive state. When the user arrives at the outbound gate 04 of the terminal riding station, one application scenario is that the user may forget to get to the station and select the NFC one-card 1 33 or the NFC one-card 2 34, and then may click on a riding card, for example the NFC one-card 2 34, at will. Another application scenario is that the balance of the "NFC all-purpose card 1"33 is insufficient, but the balance of the "NFC all-purpose card 2"34 is sufficient, so the user selects the "NFC all-purpose card 2"34. As shown in (d) of fig. 9, after the user clicks on "NFC all-purpose card 2"34, the ride card b2 indicated by "NFC all-purpose card 2"34 is activated. If the user approaches the mobile phone 01 to the NFC device 042 of the outbound gatekeeper 04, the mobile phone 01 receives the second request message sent by the outbound gatekeeper 04 in the form of an NFC signal if the distance between the mobile phone 01 and the outbound gatekeeper 04 is less than or equal to a preset distance.

S807, when the distance between the mobile phone 01 and the outbound gate 04 is smaller than or equal to the preset distance, the mobile phone 01 receives a second request message sent by the outbound gate 04 in the form of NFC signals. The second request message is used for indicating that the outbound gate 04 requests the bus card in the activated state in the mobile phone 01 to pay for bus.

The second request message may further include station information corresponding to the outbound gate 04, that is, the destination boarding station of the user is carried in the second request message.

S808, the mobile phone 01 generates and stores a second information set associated with the driver card b2 based on the second request message. The second information set is used for judging whether the vehicle is a single riding event or not.

The second information set includes at least the account ID of the ride card b2. The account ID of the card b2 is used to identify the card b2. It should be appreciated that individual accounts may be distinguished based on the account ID of the ride card.

The second set of information may further comprise at least one of:

(1) And second time information. The second time information is used to indicate the time when the user is outbound using the ride card b2.

For example, the mobile phone 01 may take the time when the second request message is received as the outbound time of the user, or the time when the response message of the second request message is transmitted to the outbound gate 04 as the outbound time of the user.

(2) And second preference information. The second preference information is used for indicating each riding preference contained in the riding card b 2. Wherein the ride preference may include: a degree of preference, a coupon deadline, etc. Since the mobile phone 01 stores the respective riding offers contained in the riding card b2, the mobile phone 01 can add the riding offers to the second information set.

(3) Second site information. The second station information is used for indicating the destination boarding station of the user.

(4) Type of ride card b 2. Such as a regular subway card, a student subway card, an loving subway card, or a commemorative subway card. Since each car-taking card will annotate the type, the cell phone 01 can directly add the type of the car-taking card b2 to the second set of information.

(5) The second information set may further include a balance of the card b2 on the premise that the user charges the card b2 in advance.

S809, the mobile phone 01 sends a response message of the second request message to the outbound gatherer 04 in the form of NFC signal. The response message of the second request message is used for indicating that the mobile phone 01 agrees to adopt the bus card to pay by bus.

S810, opening a gate by the outbound gate 04.

After the outbound gate 04 receives the response message of the second request message, the outbound gate 04 verifies the response message of the second request message to determine whether the mobile phone 01 agrees to use the bus card for bus payment. If the verification is passed, the outbound gate 04 opens the gate and the user can leave the terminal station.

In order to improve the outbound efficiency of the passengers, the embodiment of the present application is described by taking the example of directly opening the gate after the outbound gate receives the response message of the second request message, which is not limited to the embodiment of the present application. In another implementation manner, after the mobile phone deducts the bus fee from the bus card b1 and/or the bus card b2, a message for completing fee deduction is sent to the outbound gate, and the outbound gate 04 opens the gate according to the message.

S811, the mobile phone 01 judges whether a single riding event exists according to the first information set and the second information set.

For the single ride event, reference may be made to the description of the first embodiment, and the description is omitted here.

In the first embodiment, since the paymate server may receive payment information from different users, the paymate server needs to determine whether the payment information is of the same user, and then determine whether there is a single riding event. Unlike the first embodiment, in the second embodiment, since the riding card b1 and the riding card b2 are both bound to the electronic wallet of the mobile phone and necessarily belong to the same user, the mobile phone only needs to determine whether there is a single riding event.

The mobile phone 01 can firstly acquire the detection result of each type of information in the first information set and the second information set; and determining whether the detection result of each type of information meets the condition of a single riding event. In the case where the detection result of each type of information meets the condition of the single-ride event, it is determined as the single-ride event, and S812 and S813 described below are performed. In the case that the detection result of at least one category does not meet the condition of the single riding event, determining that the riding event is two times or not. Specifically, if there are two ride events, it is necessary to calculate a single ride charge for each of the two accounts and to respectively deduct the single ride charge for each account, the following S814 is performed. If there is no ride event, the following S815 is performed without deduction.

(1) It is determined whether the type of the card b1 and the type of the card b2 are the same riding type. If the type of the riding card b1 and the type of the riding card b2 are the same riding type, determining that the condition of single riding event is met. Otherwise, the condition of the single ride event is not met.

In the embodiment of the application, the mobile phone 01 may bind various riding cards of riding types, such as a subway card, a bus card, a light rail electric truck card, a guide rail electric car card, an inter-city express card and the like. Assuming that the user uses the two different ride cards for a certain period of time, if the mobile phone 01 does not compare the ride types, a billing error may occur. It can be understood that by judging whether the type of the card b1 and the type of the card b2 are the same riding type, the problem of similar billing errors can be avoided.

It should be noted that, in some cases, the riding cards b1 and b2 may belong to different cities or different subway companies, and the types of the riding cards b1 and b2 are different riding types. In addition, in some cases, the riding card b1 and the riding card b2 may belong to different classification cards, for example, the riding card b1 belongs to a general subway card, the riding card b2 belongs to a student subway card, and the type of the riding card b1 and the type of the riding card b2 are the same riding type.

(2) And judging whether the time interval indicated by the first time information and the second time information is smaller than or equal to a second preset duration. If the time interval indicated by the first time information and the second time information is smaller than or equal to the second preset duration, determining that the condition of the single riding event is met. Otherwise, the condition of the single ride event is not met.

(3) It is determined whether the first station information and the second station information indicate different boarding stations. And if the first station information and the second station information indicate different bus stops, determining that the conditions of the single bus taking event are met. Otherwise, the condition of the single ride event is not met.

Generally, a start boarding station and an end boarding station where a user rides a public transportation are different boarding stations. However, in a special case where a user forgets an article or an emergency occurs, the user may leave from an outbound gate of a subway station without getting on the subway after entering the station through the inbound gate of the subway station. Therefore, by judging whether the first boarding station and the second boarding station indicate different boarding stations, erroneous deduction of fees to the user account can be avoided.

S812, the mobile phone 01 determines the single riding expense of the single riding event according to the first information set and the second information set, and determines a target payment strategy.

S813, the mobile phone 01 deducts the single-time fare from the card b1 or b2 according to the target payment policy.

For a specific implementation manner of determining the riding cost of the single riding event by using the mobile phone 01, the description of the riding cost of the single riding event may be determined by referring to the paymate server 06 in the above embodiment, which is not described herein.

The target payment policy may be an optimal payment policy for the user.

The embodiment of the application presets various payment strategies. The handset 01 may determine one payment policy, i.e. the target payment policy, from a plurality of payment policies. Then, the mobile phone 01 determines a card for riding in compliance with the target payment policy, and deducts a single riding fee from the card for riding or the electronic wallet.

Illustratively, the plurality of payment policies may include at least one of:

the transmitter sets a payment strategy according to the balance of the riding card.

The urea sets a payment policy according to the type of the bus card.

⒊ a payment policy set according to the preference level of the ride card.

The preferential degree of the riding card refers to the reduced fee based on the riding fee.

⒋ a payment policy set according to the coupon deadline of the ride card.

The coupon term of the bus card refers to the term of expiration of the coupon. The ride advantage is enjoyed before the coupon deadline.

⒌ the payment policy according to the setting of the ride card receiving the request message.

Optionally, for the plurality of payment policies described above, different payment policies correspond to different priorities. The mobile phone 01 may select one payment policy from a plurality of payment policies in order of priority of the payment policies from high to low. Then, the ride fees are deducted from the ride card b1 or the ride card b2 according to the selected one of the payment policies.

Note that, in S813, the riding fee is deducted from the riding card b1 or the riding card b2, which includes the following two possible implementation manners: taking a 5-ary ride charge for a single ride event as an example, if the user previously charges ride card b1 and ride card b2, 5-ary is deducted from the balance of either ride card b1 or ride card b 2. If the riding cards b1 and b2 are not pre-charged, 5 yuan is deducted from the balance of the electronic wallet or 5 yuan is deducted from the bank card bound with the electronic wallet. In addition, the embodiment of the application also provides another implementation mode, after the mobile phone determines the target payment strategy and the riding expense, if the balance of the account to be paid is smaller than the riding expense, the balance of the account to be paid is deducted, and the unpaid expense is deducted from the other account outside the account to be paid. That is, the cell phone deducts the riding fee from both accounts.

S814, the mobile phone 01 deducts the single-time riding expense of the riding card b1 and the single-time riding expense of the riding card b2 respectively.

After the mobile phone 01 acquires the detection result of each type of information in the first information set and the second information set, it is determined as a two-ride event if the following condition 1 and/or condition 2 are satisfied.

The condition 1, the type of the ride card b1, and the type of the ride card b2 are different ride types. For example, the type of the bus card b1 is a bus card, and the type of the bus card b2 is a subway card.

The time interval indicated by the condition 2, the first time information and the second time information is greater than a second preset duration. For example, assume that the second preset time period is 3 hours and the highest deduction upper limit is 8 yuan. If the time interval indicated by the first time information and the second time information is greater than 3 hours, the mobile phone can deduct 8 yuan from the balance of the car taking card b1 and the car taking card b2 respectively, or the mobile phone can deduct 16 yuan from an electronic purse bound with the car taking card b1 and the car taking card b 2.

S815, the mobile phone 01 does not charge the card b1 and the card b 2.

When a user forgets an article or an emergency occurs, the user may not get on the subway after entering the station through the entrance gate of a subway station and leave from the exit gate of the subway station, and the user does not belong to a riding event. For example, if the first station information and the second station information indicate the same boarding station, the cellular phone 01 determines that the boarding event does not occur, and does not charge the boarding card b1 and the boarding card b2, thereby avoiding a false charge to the user account.

After S813 or S814 described above, S816 may also be included.

S816, the mobile phone 01 transfers the riding fee to the account of the subway system server 05 through the paymate server 06, and sends a transfer notification message to the subway system server 05.

In the embodiment of the application, when the user carries the mobile phone to enter the initial riding station, the user selects the riding card b1 and brings the mobile phone close to the NFC equipment of the entering gate, so that the mobile phone can acquire the first request message sent by the NFC equipment of the entering gate. When the user leaves the terminal riding station with the mobile phone, the user selects the riding card b2 and approaches the mobile phone to the NFC equipment of the outbound gate, so that the mobile phone can acquire a second request message sent by the NFC equipment of the outbound gate. If the mobile phone determines that the first request message and the second request message are used for requesting different riding buckle fees for the electronic wallet, the single riding fee is calculated, and then the riding card is buckled according to the single riding fee, so that the payment experience of a user is improved.

The above description has been presented mainly in terms of apparatus for the solution provided by the embodiments of the present application. It is to be understood that each device, in order to implement the above-described functions, includes a corresponding hardware structure or software module for performing each function, or a combination of both. Those of skill in the art will readily appreciate that the various illustrative elements and algorithm steps described in connection with the embodiments disclosed herein may be implemented as hardware or combinations of hardware and computer software. Whether a function is implemented as hardware or computer software driven hardware depends upon the particular application and design constraints imposed on the solution. Skilled artisans may implement the described functionality in varying ways for each particular application, but such implementation decisions should not be interpreted as causing a departure from the scope of the present application.

The embodiment of the application can divide the functional modules of each device according to the method example, for example, each functional module can be divided corresponding to each function, or two or more functions can be integrated in one processing module. The integrated modules may be implemented in hardware or in software functional modules. It should be noted that, in the embodiment of the present application, the division of the modules is schematic, which is merely a logic function division, and other division manners may be implemented in actual implementation. The following description will take an example of dividing each function module into corresponding functions.

Fig. 10 is a schematic block diagram of a payment device according to an embodiment of the present application. The apparatus 100 may be used to perform the actions performed by the paymate server in the first embodiment described above. As shown in fig. 10, the apparatus 100 includes a receiving module 101, a processing module 102, and a fee deduction module 103.

A processing module 102, configured to determine a first information set according to the first payment information received by the receiving module 101; and determines a second set of information based on the second payment information received by the receiving module 101. The first payment information and the second payment information are real-name authentication user first riding payment information, and the first information set and the second information set are used for judging whether the user first riding is a single riding event or not.

The processing module 102 is further configured to determine a target payment policy if it is determined that a single ride event exists based on the first set of information and the second set of information.

Deduction module 103 is configured to deduct the single-ride fee from account a1 or account a2 according to the target payment policy.

In one possible implementation, the processing module 102 is specifically configured to:

after determining the first set of information, starting a timer; detecting whether other payment information associated with the real-name authentication user A from the outbound gate is received within a first preset time period; if the second payment information associated with the real-name authentication user A from the outbound gate is received within the first preset time period, determining a second information set according to the second payment information; and if the timing duration reaches the first preset duration and other payment information related to the real-name authentication user A is not received, ending the timing and stopping detection.

In one possible implementation, the first set of information includes at least:

an account ID of the account a1, the account ID identifying the account a1;

first user information that may be used to indicate a real-name authenticated user a associated with account a 1.

In one possible implementation, the second set of information includes at least:

an account ID of the account a2, the account ID identifying the account a2;

second user information that may be used to indicate a real-name authenticated user a associated with account a 2.

In one possible implementation, the first set of information further includes at least one of:

a first device identification that may be used to identify a mobile terminal that is logged into account a 1;

first station information, which may be used to indicate a start boarding station for a real-name authenticated user a.

In one possible implementation, the second set of information further includes at least one of:

a second device identification that may be used to identify the mobile terminal that is logged into account a2;

a second type of identification that may be used to indicate a ride card associated with account a2;

second station information that may be used to indicate a terminal boarding station for the real-name authenticated user a.

In one possible implementation manner, the processing module 102 is specifically configured to obtain a detection result of each type of information in the first information set and the second information set; and determining that the single riding event exists under the condition that the detection result of each type of information meets the condition of the single riding event.

Wherein, the detection result of each type of information accords with the condition of the single riding event and comprises at least one of the following:

the first equipment identifier and the second equipment identifier indicate the same mobile terminal;

the first type identifier and the second type identifier indicate the same type of bus card;

the time interval indicated by the first time information and the second time information is smaller than or equal to a second preset duration;

the first station information and the second station information indicate different boarding stations.

Fig. 11 is a schematic block diagram of another payment device according to an embodiment of the present application. The device 110 may be configured to perform the actions performed by the mobile phone in the second embodiment. As shown in fig. 11, the apparatus 110 includes a communication module 111, a processing module 112, and a fee deduction module 113.

The communication module 111 is configured to receive a first request message sent by the inbound gate in the form of an NFC signal when a distance from the inbound gate is less than or equal to a preset distance. The first request message is used for indicating that the inbound gate requests the bus card in an activated state to pay bus.

The communication module 111 is further configured to receive a second request message sent by the outbound gate in the form of an NFC signal when the distance from the outbound gate is less than or equal to a preset distance. The second request message is used for indicating that the outbound gate requests the bus card in the activated state to pay by bus.

A processing module 112 for generating a first information set associated with the ride card b1 according to the first request message; generating a second information set associated with the bus card b2 according to the second request message; and determining a target payment policy if it is determined that there is a single ride event based on the first set of information and the second set of information.

And the deduction module 113 is used for deducting the single bus fee from the bus card b1 or the bus card b2 according to the target payment strategy.

In one possible implementation, the communication module 111 is further configured to send a response message of the first request message to the inbound gatherer in the form of an NFC signal. The response message of the first request message is used for indicating approval of taking payment by taking a car card.

In one possible implementation, the communication module 111 is further configured to send a response message of the second request message to the outbound gate in the form of an NFC signal. The response message of the second request message is used for indicating approval of taking payment by taking the car card.

In one possible implementation manner, the processing module 112 is specifically configured to obtain a detection result of each type of information in the first information set and the second information set; and determining that the single riding event is the case when the detection result of each type of information meets the condition of the single riding event.

the type of the riding card b1 and the type of the riding card b2 are the same riding type;

Fig. 12 is a schematic structural diagram of a server according to an embodiment of the present application. The server may be a paymate server in the first embodiment. As shown in fig. 12, the server may include a processor 121, the processor 121 being coupled to a memory 123. The processor 121 is configured to execute a computer program or instructions stored in the memory 123 to cause a server to implement the methods in the above embodiments. The memory 123 may be included in the server or may be independent of the server.

The server may also include a communication bus 122, a communication interface 124, an output device 125, and an input device 126.

The number of processors 121 may be one or more. One processor 121 may include at least one processing unit. For example, the processor may include at least one central processing unit (central processing unit, CPU) as shown in fig. 12. In some embodiments, the different processing units may be separate devices or may be integrated in one or more processors.

Communication bus 122 may include a path for transferring information between processor 121, memory 123, and communication interface 124.

The communication interface 124 uses any transceiver-like means for communicating with other devices or communication networks, such as ethernet, radio access network (radio access network, RAN) or wireless local area network (wireless local area networks, WLAN), etc. In the embodiment of the present application, the communication interface 124 is mainly used for communication with an entrance gate, an exit gate, a subway system server, a mobile terminal, and the like. For example, first payment information sent by an inbound gate is received, and second payment information sent by an outbound gate is received.

Memory 123 may be, but is not limited to, a read-only memory (ROM) or other type of static storage device that can store static information and instructions, a random access memory (random access memory, RAM) or other type of dynamic storage device that can store information and instructions, or an electrically erasable programmable read-only memory (electrically erasable programmable read-only memory, EEPROM), a compact disc read-only memory (compact disk read only memory, CD-ROM) or other optical disk storage, optical disk storage (including compact disc, laser disc, optical disc, digital versatile disc, blu-ray disc, etc.), magnetic disk storage media or other magnetic storage devices, or any other medium that can be used to carry or store desired program code in the form of instructions or data structures and that can be accessed by a computer. The memory may be stand alone and coupled to the processor via a bus. The memory may also be integrated with the processor.

Memory 123 is used to store execution application code and is controlled by processor 121 for execution. The processor 121 is configured to execute application program codes stored in the memory 123, thereby implementing the payment method in the first embodiment described above.

The output device 125 communicates with the processor 121 and can display information in a variety of ways. The output device 125 may include a display panel, such as a liquid crystal display (liquid crystal display, LCD), an organic light-emitting diode (OLED), or an active matrix organic light-emitting diode, among others.

The input device 126 is in communication with the processor 121 and may receive user input in a variety of ways. Wherein the input device 126 may be a mouse, keyboard, touch screen, or sensing device, among others.

It should be understood that the structure illustrated in the embodiments of the present application does not constitute a specific limitation on the server. In other embodiments of the application, the server may include more or less components than illustrated, or certain components may be combined, or certain components may be split, or different arrangements of components. The illustrated components may be implemented in hardware, software, or a combination of software and hardware.

Fig. 13 is a schematic structural diagram of a mobile terminal according to an embodiment of the present application. As shown in fig. 13, the mobile terminal 130 may include a processor 131, an nfc module 132, a wireless communication module 133, an antenna 134, an internal memory 135, an external memory interface 136, a power module 137, an audio module 138, a speaker 138A, a receiver 138B, a microphone 138C, an earphone interface 138D, a sensor module 139, keys 140, a motor 141, an indicator 142, a camera 143, a display screen 144, a subscriber identity module (subscriber identification module, SIM) card interface 145, and the like.

Processor 131 may include one or more processing units such as, for example: processor 131 may include an application processor (application processor, AP), a modem processor, a graphics processor (graphics processing unit, GPU), an image signal processor (image signal processor, ISP), a controller, a memory, a video codec, a digital signal processor (digital signal processor, DSP), a baseband processor, and/or a neural network processor (neural-network processing unit, NPU), etc. Among them, the controller may be a neural center and a command center of the mobile terminal 130. The controller can generate operation control signals according to the instruction operation codes and the time sequence signals to finish the control of instruction fetching and instruction execution. The different processing units may be separate devices or may be integrated in one or more processors.

The NFC module 132 is configured to detect a radio frequency field generated by the NFC master device, and establish an NFC connection with the NFC master device.

In the embodiment of the present application, the NFC module 132 is configured to receive a first request message sent by the inbound gate in an NFC signal form and send a response message of the first request message to the outbound gate in an NFC signal form when a distance between the NFC module 132 and the inbound gate is less than or equal to a preset distance. The first request message is used for indicating that the inbound gate requests the bus card in an activated state to pay bus. The response message of the first request message is used for indicating approval of the bus payment by using the bus card.

The NFC module 132 is further configured to receive a second request message sent by the outbound gate in an NFC signal form and send a response message of the second request message to the outbound gate in an NFC signal form when a distance between the NFC module and the outbound gate is less than or equal to a preset distance. The second request message is used for indicating that the outbound gate requests the bus card in the activated state to pay by bus. The response message of the second request message is used for indicating approval of the bus payment by using the bus card.

A processor 131 for generating a first information set associated with the ride card b1 according to the first request message; generating a second information set associated with the bus card b2 according to the second request message; determining a target payment policy if it is determined that a single ride event exists based on the first information set and the second information set; and deducting a single ride charge from the ride card b1 or the ride card b2 according to the target payment policy.

The wireless communication function of the mobile terminal 130 may be implemented by the wireless communication module 133, the antenna 134, a modem processor, a baseband processor, and the like.

The internal memory 135 may be used to store computer executable program code that includes instructions. The processor 131 executes various functional applications of the mobile terminal 130 and data processing by executing instructions stored in the internal memory 135. The internal memory 135 may include a stored program area and a stored data area. The storage program area may store an application program (such as an image playing function) required for at least one function of the operating system, etc. The storage data area may store data created during use of the mobile terminal 130, etc.

The external memory interface 136 may be used to connect an external memory card to enable expansion of the memory capabilities of the mobile terminal 130. The external memory card communicates with the processor 131 through an external memory interface 136 to implement data storage functions.

The power module 137 is used to provide operating power for the mobile terminal 130.

The mobile terminal 130 may implement audio functions through an audio module 138, a speaker 138A, a receiver 138B, a microphone 138C, an ear-headphone interface 138D, an application processor, and the like. Such as music playing and recording, etc.

The keys 140 include a power on key, a volume key, etc. The keys 140 may be mechanical keys. Or may be a touch key.

The motor 141 may generate a vibration alert. The motor 141 may be used for incoming call vibration alerting as well as for touch vibration feedback. The motor 141 may also correspond to different vibration feedback effects by touching the display screen 144 in different areas.

The indicator 142 may be an indicator light, which may be used to indicate a state of charge, a change in charge, a message indicating a missed call, a notification, etc.

The camera 143 is used to capture still images or video. The object generates an optical image through the lens and projects the optical image onto the photosensitive element.

The display screen 144 includes a display panel for displaying images, videos, and the like, for example, displaying a two-dimensional code for payment by bus. In some embodiments, the mobile terminal 130 may include at least one display screen 144.

The SIM card interface 145 is used to connect to a SIM card. The SIM card may be contacted and separated from the mobile terminal 130 by being inserted into the SIM card interface 145 or by being withdrawn from the SIM card interface 145.

The embodiment of the application also provides a server, which comprises a processor, wherein the processor is coupled with the memory, and the processor is used for executing the computer program or the instructions stored in the memory, so that the server realizes the method in each embodiment.

The embodiment of the application also provides a mobile terminal, which comprises a processor, wherein the processor is coupled with the memory, and the processor is used for executing the computer program or instructions stored in the memory, so that the mobile terminal realizes the method in each embodiment.

The embodiment of the application also provides a computer readable storage medium, wherein the computer readable storage medium stores computer instructions; the computer readable storage medium, when run on a server or mobile terminal, causes the server or mobile terminal to perform the method as shown above. The computer instructions may be stored in a computer-readable storage medium or transmitted from one computer-readable storage medium to another computer-readable storage medium, for example, the computer instructions may be transmitted from one website, computer, server, or data center to another website, computer, server, or data center by a wired (e.g., coaxial cable, fiber optic, digital subscriber line (digital subscriber line, DSL)) or wireless (e.g., infrared, wireless, microwave, etc.). The computer readable storage medium can be any available medium that can be accessed by a computer or a data storage device including one or more servers, data centers, etc. that can be integrated with the medium. The usable medium may be a magnetic medium (e.g., a floppy disk, a hard disk, or a magnetic tape), an optical medium, or a semiconductor medium (e.g., a Solid State Disk (SSD)), or the like.

Embodiments of the present application also provide a computer program product comprising computer program code for causing a computer to perform the method of the embodiments described above when the computer program code is run on a computer.

The embodiment of the application also provides a chip, which is coupled with the memory and is used for reading and executing the computer program or the instructions stored in the memory to execute the method in each embodiment. The chip may be a general-purpose processor or a special-purpose processor.

It should be noted that the chip may be implemented using the following circuits or devices: one or more field programmable gate arrays (field programmable gate array, FPGA), programmable logic devices (programmable logic device, PLD), controllers, state machines, gate logic, discrete hardware components, any other suitable circuit or combination of circuits capable of performing the various functions described throughout this application.

The mobile terminal, the server, the payment device, the computer readable storage medium, the computer program product and the chip provided in the foregoing embodiments are all configured to execute the method provided above, so that the advantages achieved by the method provided above can be referred to the advantages corresponding to the method provided above, and will not be described herein.

It should be understood that the above description is only intended to assist those skilled in the art in better understanding the embodiments of the present application, and is not intended to limit the scope of the embodiments of the present application. It will be apparent to those skilled in the art from the foregoing examples that various equivalent modifications or variations can be made, for example, certain steps may not be necessary in the various embodiments of the detection methods described above, or certain steps may be newly added, etc. Or a combination of any two or more of the above. Such modifications, variations, or combinations are also within the scope of embodiments of the present application.

It should also be understood that the foregoing description of embodiments of the present application focuses on highlighting differences between the various embodiments and that the same or similar elements not mentioned may be referred to each other and are not repeated herein for brevity.

It should be further understood that the sequence numbers of the above processes do not mean the order of execution, and the order of execution of the processes should be determined by the functions and internal logic of the processes, and should not be construed as limiting the implementation process of the embodiments of the present application.

It should be further understood that, in the embodiments of the present application, the "preset" and "predefined" may be implemented by pre-storing corresponding codes, tables, or other manners that may be used to indicate relevant information in a device (including, for example, an electronic device), and the present application is not limited to the specific implementation manner thereof.

It should also be understood that the manner, the case, the category, and the division of the embodiments in the embodiments of the present application are merely for convenience of description, should not be construed as a particular limitation, and the features in the various manners, the categories, the cases, and the embodiments may be combined without contradiction.

It is also to be understood that in the various embodiments of the application, where no special description or logic conflict exists, the terms and/or descriptions between the various embodiments are consistent and may reference each other, and features of the various embodiments may be combined to form new embodiments in accordance with their inherent logic relationships.

Finally, it should be noted that: the foregoing description is merely illustrative of specific embodiments of the present application, but the scope of the present application is not limited thereto, and any changes or substitutions within the technical scope of the present application should be covered by the scope of the present application. Therefore, the protection scope of the application is subject to the protection scope of the claims.

Claims

1. A payment method, applied to a server, the method comprising:

receiving first payment information and second payment information; the first payment information is obtained by scanning a first riding code corresponding to a first account through an inbound gate, the second payment information is obtained by scanning a second riding code corresponding to a second account through an outbound gate, and the first account and the second account are two registered accounts of one payment application;

Acquiring first user information, a first equipment identifier, a first type identifier, first time information and first site information from the first payment information; the first user information is used for indicating a user associated with the first account, the first equipment identifier is used for indicating a mobile terminal logging in the first account, the first type identifier is used for indicating the type of a bus card providing the first bus code, the first time information is used for indicating the time when the entering gate scans the first bus code, and the first station information is used for indicating a starting bus station;

acquiring second user information, a second equipment identifier, a second type identifier, second time information and second site information from the second payment information; the second user information is used for indicating a user associated with the second account, the second equipment identifier is used for indicating a mobile terminal logging in the second account, the second type identifier is used for indicating the type of a bus card providing the second bus code, the second time information is used for indicating the time when the outbound gate scans the second bus code, and the second station information is used for indicating a terminal bus station;

Determining that a single riding event exists when the first user information and the second user information indicate the same user, the first equipment identifier and the second equipment identifier indicate the same mobile terminal, the first type identifier and the second type identifier indicate the same type of riding card, the time interval indicated by the first time information and the second time information is smaller than or equal to a preset interval, and the riding stations indicated by the first station information and the second station information are different riding stations;

starting from the 1 st payment strategy in a plurality of preset strategies, executing the following steps: judging whether two strategy information corresponding to the ith payment strategy are the same or not; under the condition that the two strategy information corresponding to the ith payment strategy is the same, continuously judging whether the two strategy information corresponding to the (i+1) th payment strategy is the same or not; stopping judging whether the two pieces of strategy information corresponding to each payment strategy are the same or not until the two pieces of strategy information corresponding to the target payment strategy in the plurality of preset strategies are different; wherein the i+1th payment policy has a lower priority than the i-th payment policy; i is an integer which takes a value from 1;

Selecting one account from the first account and the second account according to the two strategy information corresponding to the target payment strategy, and deducting the single bus taking fee from the selected account; the single ride event means that a user completes a single trip from the start ride station to the end ride station, the single ride fee being used to pay the single trip;

the two pieces of strategy information corresponding to one payment strategy are any one of the following:

the degree of preference of the first account and the degree of preference of the second account;

a coupon deadline for the first account and a coupon deadline for the second account;

the type of the ride card of the first account and the type of the ride card of the second account;

a balance of the first account and a balance of the second account;

the scanning order of the first account and the scanning order of the second account.

2. The method according to claim 1, wherein the method further comprises:

in the case that two riding events are determined to exist according to the first payment information and the second payment information, respectively deducting riding fees of each riding event from the first account and the second account;

Wherein the two-time ride event means that a user completes a single journey from the start ride station to any station and completes a single journey from any station to the end ride station.

3. The method of claim 2, wherein determining that there are two ride events based on the first payment information and the second payment information comprises:

determining that the two-ride event exists if condition 1 is satisfied and at least one of condition 2, condition 3, and condition 4 is satisfied;

wherein the condition 1 indicates the same user for the first user information and the second user information;

the condition 2 indicates different mobile terminals for the first equipment identifier and the second equipment identifier;

the condition 3 indicates different types of ride cards for the first type of identification and the second type of identification;

the condition 4 is that the time interval indicated by the first time information and the second time information is greater than a preset interval.

4. A method according to any one of claims 1 to 3, further comprising:

in the event that it is determined that there is no ride event based on the first payment information and the second payment information, not deducting a ride fee from the first account and the second account; wherein, the absence of the ride event means that the starting ride station and the ending ride station are the same ride station.

5. A payment method, applied to a mobile terminal, the method comprising:

under the condition that a first bus card of a target payment application is in an activated state, receiving first request information sent by an inbound gate in the form of NFC signals, and determining a first type identifier, first time information and first site information in response to the first request information; the first type identifier is used for indicating the type of a bus card providing the first bus code, the first time information is used for indicating the time when the arrival gate scans the first bus code, and the first station information is used for indicating a starting bus station;

receiving second request information sent by an outbound gate in the form of NFC signals under the condition that a second bus card of the target payment application is in an activated state, and determining a second type identifier, second time information and second site information in response to the second request information; the second type identifier is used for indicating the type of a bus card providing the second bus code, the second time information is used for indicating the time when the outbound gate scans the second bus code, and the second station information is used for indicating a terminal bus station;

Determining that a single riding event exists when the first type identifier and the second type identifier indicate the same type of riding card, the time interval indicated by the first time information and the second time information is smaller than or equal to a preset interval, and the riding stations indicated by the first station information and the second station information are different riding stations;

starting from the 1 st payment strategy in a plurality of preset strategies, executing the following steps: judging whether two strategy information corresponding to the ith payment strategy are the same or not; under the condition that two pieces of strategy information corresponding to the ith payment strategy are the same, continuing to judge whether the two pieces of strategy information corresponding to the next payment strategy are the same or not; stopping judging whether the two pieces of strategy information corresponding to each payment strategy are the same or not until the two pieces of strategy information corresponding to the target payment strategy in the plurality of preset strategies are different; wherein the i+1th payment policy has a lower priority than the i-th payment policy; i is an integer which takes a value from 1;

selecting one riding card from the first riding card or the second riding card according to the two strategy information corresponding to the target payment strategy, and deducting single riding fees from the selected riding card; the single ride event means that a user completes a single trip from the start ride station to the end ride station, the single ride fee being used to pay the single trip;

the preferential degree of the first riding card and the preferential degree of the second riding card;

a coupon deadline of the first ride card and a coupon deadline of the second ride card;

the type of the first ride card and the type of the second ride card;

a balance of the first ride card and a balance of the second ride card;

the scanning order of the first bus card and the scanning order of the second bus card.

6. The method of claim 5, wherein the method further comprises:

in the case that two riding events are determined to exist, respectively deducting riding fees of each riding event from the balance of the first riding card and the balance of the second riding card; alternatively, deducting the cost of the two ride events from the balance or associated account of the target payment application;

wherein the two-time ride event means that the user completes a single journey from the start ride station to any station and completes a single journey from any station to the end ride station.

7. The method of claim 6, wherein the determining that there are two ride events comprises:

Determining that the two-ride event exists if at least one of condition 1 and condition 2 is satisfied;

wherein the condition 1 indicates different types of ride cards for the first type of identification and the second type of identification;

and the condition 2 is that the time interval indicated by the first time information and the second time information is larger than a preset interval.

8. The method according to any one of claims 5 to 7, further comprising:

in the event that no ride event is determined to exist, not deducting a ride charge from the first ride card and the second ride card; wherein, the absence of the ride event means that the starting ride station and the ending ride station are the same ride station.

9. A server comprising a processor coupled to a memory for executing a computer program or instructions stored in the memory to cause the server to implement a payment method as claimed in any one of claims 1 to 4.

10. A mobile terminal comprising a processor coupled to a memory, the processor for executing a computer program or instructions stored in the memory to cause the mobile terminal to implement the payment method of any of claims 5 to 8.

11. Chip, characterized in that it is coupled to a memory, said chip being adapted to read and execute a computer program stored in said memory for implementing a payment method according to any one of claims 1 to 8.

12. A computer readable storage medium, characterized in that the computer readable storage medium stores a computer program which, when run on a server, causes the server to perform the payment method according to any one of claims 1 to 4; alternatively, the computer program, when run on a mobile terminal, causes the mobile terminal to perform the payment method of any of claims 5 to 8.