CN117196594A - Payment record processing method - Google Patents

Payment record processing method Download PDF

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Publication number
CN117196594A
CN117196594A CN202310924660.8A CN202310924660A CN117196594A CN 117196594 A CN117196594 A CN 117196594A CN 202310924660 A CN202310924660 A CN 202310924660A CN 117196594 A CN117196594 A CN 117196594A
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CN
China
Prior art keywords
fueling
information
payment
vehicle
oiling
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Pending
Application number
CN202310924660.8A
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Chinese (zh)
Inventor
马万龙
牛立
王石峰
罗赛
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Shandong Energy Chain Holding Co ltd
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Chezhubang Beijing Technology Co Ltd
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Publication date
Application filed by Chezhubang Beijing Technology Co Ltd filed Critical Chezhubang Beijing Technology Co Ltd
Priority to CN202310924660.8A priority Critical patent/CN117196594A/en
Publication of CN117196594A publication Critical patent/CN117196594A/en
Pending legal-status Critical Current

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/085—Payment architectures involving remote charge determination or related payment systems
    • G06Q20/0855—Payment architectures involving remote charge determination or related payment systems involving a third party
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/20—Point-of-sale [POS] network systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/341—Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/352—Contactless payments by cards
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3829—Payment protocols; Details thereof insuring higher security of transaction involving key management
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/387—Payment using discounts or coupons

Abstract

The application provides a processing method of a payment record, which comprises the following steps: receiving a fueling request message; inquiring credit capacity information and first payment capacity information of a user corresponding to target user account information according to the target user account information, generating a first confirmation message after passing, and sending the first confirmation message to the oiling equipment; meanwhile, whether pre-fueling order information to be paid corresponding to the gas station ID, the oil gun ID and the target user account information exists or not can be inquired; generating a second confirmation message when the target user account information contains pre-fueling order information to be paid corresponding to the fueling station ID and the fueling gun ID; a second confirmation message is sent to the fueling device. Therefore, the user can pre-establish pre-fueling order information to be paid, fueling time is saved, and user experience is improved.

Description

Payment record processing method
The application relates to a divisional application of Chinese patent application with the application date of 2020, 04 month and 20 days, the application number of 202010312279.2 and the name of payment record processing method.
Technical Field
The application relates to the field of data processing, in particular to a processing method of payment records.
Background
People can see the warning words of 'forbidden smoke' at the gas station, and frequently see the related slogans of 'forbidden to get on the mobile phone', and the gas station is a special place and is easy to cause the leakage of explosive gases such as gasoline, natural gas and the like. The use of wireless devices with relatively high transmit power at gas stations is particularly cautious, and is one of the important reasons that many petroleum companies now prohibit gas stations from using cell phones or wireless POS.
While various payments, such as a non-inductive payment, can now be made at the gas station, the payment data generated during the payment process is often discarded and not utilized well.
Disclosure of Invention
The embodiment of the application aims to provide a processing method of payment records, so as to avoid the problem that generated payment feedback information is discarded and not well utilized in the payment process.
To solve the above problems, in a first aspect, the present application provides a method for processing a payment record, the method comprising:
the first server receives the oiling request message; the oiling request message comprises a tag ID, a gas station ID, a gun ID and first time information;
inquiring a preset tag ID and user account information comparison table according to the tag ID, and determining a vehicle ID and target user account information corresponding to the tag ID;
inquiring credit capability information of a user corresponding to the target user account information according to the target user account information; the credit ability information includes a credit score of the user;
querying the account information of the target user when the credit score is not smaller than a preset score threshold value
First payment capability information of a payment account number of a corresponding user;
when the first payment capability information is not smaller than a preset threshold value, generating a first confirmation message;
the first confirmation message is sent to the oiling device, and the first confirmation message is used for indicating the oiling device to carry out oiling according to a preset oiling lifting number;
after the first server receives the fueling request message sent by the fueling device, and before fueling is completed, the method further comprises:
inquiring whether pre-fueling order information to be paid corresponding to the gas station ID, the oil gun ID and the target user account information exists according to the gas station ID, the oil gun ID and the target user account information; the pre-fueling order information to be paid includes a pre-fueling station ID, a pre-fueling gun ID, a pre-fueling liter, and a pre-fueling expense amount;
generating a second confirmation message when the target user account information contains pre-fueling order information to be paid corresponding to the gas station ID and the oil gun ID; the second confirmation message includes a fueling boost number of the pre-fueling;
and sending the second confirmation message to the oiling device to instruct the oiling device to carry out oiling according to the oiling lifting number of the pre-oiling.
In one possible implementation, the target user account information includes a vehicle ID, a user ID to which the vehicle belongs.
In one possible implementation, the method further includes:
generating a first credit score according to a payment record of a user corresponding to the target user account information;
generating a second credit score according to the credit record of the user corresponding to the target user account information;
and carrying out weighted summation on the first credit score and the second credit score to obtain the credit ability score.
In one possible implementation manner, the sending the first acknowledgement message to the refueling device specifically includes:
and when the first server does not have the pre-fueling order information to be paid, sending the first confirmation message to the fueling equipment so that the fueling equipment performs fueling according to a preset fueling lifting number.
In one possible implementation, the method further includes:
after the oiling is completed, receiving an oiling completion message sent by the oiling equipment; the oiling completion message comprises an oiling lifting number, an oil number, an oiling amount and second time information;
generating fueling order information to be paid according to the vehicle ID, the fueling lifting number, the fuel number, the fueling amount, the first time information, the second time information, the fueling station ID and the fuel gun ID;
the oiling order information to be paid is sent to a second server, so that the second server performs secret-free payment;
receiving and storing payment feedback information sent by the second server; the payment feedback information comprises a vehicle ID, a payment amount and a payment state;
according to the multiple payment feedback information of each vehicle ID in the preset time length, counting the historical payment amount of each vehicle ID;
according to the historical payment amount corresponding to each vehicle ID, grading the vehicle ID to obtain a grading result;
and determining the payment preferential proportion corresponding to the vehicle ID according to the grading result.
In one possible implementation, the method further includes before:
receiving pre-fueling order information sent by a user terminal; the pre-fueling order information includes a user ID, a pre-fueling station ID, a pre-fueling gun ID, a pre-fueling liter, and a pre-fueling expense amount;
inquiring credit capability information of user account information corresponding to the user ID according to the user ID;
the credit ability information includes a credit score of the user;
inquiring second payment capability information of a payment account number of the user corresponding to the user account information when the credit score is not smaller than a preset score threshold value;
and when the second payment capability information is not smaller than the consumption amount of the pre-fueling, generating pre-fueling order information to be paid.
In one possible implementation manner, the sending the to-be-paid fueling order information to the second server specifically includes:
encrypting the oiling order information to be paid through a first symmetric key to obtain first encrypted data;
extracting the abstract of the oiling order information to be paid to obtain the abstract of the oiling order information to be paid;
signing the abstract through a first private key to obtain a signed abstract;
encrypting the first symmetric key through a second public key to obtain an encrypted first symmetric key;
packaging the first encrypted data, the signed digest and the encrypted first symmetric key to obtain encrypted data;
and sending the encrypted data to a second server.
In one possible implementation manner, before encrypting the fueling order information to be paid through the first symmetric key to obtain the first encrypted data, the method further includes:
transmitting the first public key, the server ID of the third party certification authority and the second server ID to a server of the third party certification authority;
the server of the third party authentication mechanism encrypts the first public key through a preset private key to obtain a first public key encrypted by the server of the third party authentication mechanism;
the server of the third party authentication mechanism sends the first public key encrypted by the server of the third party authentication mechanism to a second server according to the second server ID;
the second server decrypts the encrypted first public key through a preset public key to obtain the first public key; the preset public key is a preset public key of a server of the third party certification authority.
In one possible implementation manner, after the sending the encrypted data to the second server, the method further includes:
the second server unpacks the encrypted data to obtain the first encrypted data, the signed digest and the encrypted first symmetric key;
decrypting the encrypted first symmetric key through a second private key to obtain a first symmetric key;
decrypting the first encrypted data through the first symmetric key to obtain pre-fueling order information to be paid;
extracting the abstract of the pre-fueling order information to be paid through an abstract algorithm to obtain an abstract to be compared;
decrypting the signed abstract through a first public key to obtain the abstract;
and comparing the abstract with the abstract to be compared, and determining that the abstract passes the security verification when the abstract and the abstract are equal to each other.
In one possible implementation, the method further includes, when the first payment capability information is not less than a preset threshold value, or when the second payment capability information is not less than a consumption amount of a pre-fueling:
and generating a credential message through which the first payment capability information or the second payment capability information passes, and displaying and storing the credential message.
In one possible implementation manner, the receiving, by the first server, the fueling request message specifically includes:
the first server receives a refueling request message sent by the refueling equipment after receiving a tag read by a card reader on a fuel gun on a fuel tank cover of a vehicle; or,
the first server receives a refueling request message sent by a communication module on the oil gun; and the communication module acquires the tag ID read by the card reader.
In one possible implementation, the method further comprises thereafter:
acquiring historical payment feedback information under account information of a target user within a preset duration; the historical payment feedback information comprises historical payment feedback information of each vehicle ID;
generating a payment amount comparison table of the vehicle IDs according to the historical payment feedback information of each vehicle ID, wherein the payment amount comparison table is used for comparing the oiling cost of a plurality of vehicle IDs under the account information of the target user;
acquiring driving mileage data of a vehicle in a preset duration according to the ID of the vehicle;
obtaining the fuel consumption amount of each kilometer of the vehicle corresponding to each vehicle ID according to the driving mileage data and the historical payment feedback information of the vehicle ID;
judging whether abnormal oil consumption information exists according to the oil consumption amount of each kilometer of the vehicle;
when the abnormal oil consumption information is stored, warning information is generated.
In a second aspect, the application provides an apparatus comprising a memory for storing a program and a processor for performing the method of any of the first aspects.
In a third aspect, the application provides a computer program product comprising instructions which, when run on a computer, cause the computer to perform the method according to any of the first aspects.
In a fourth aspect, the present application provides a computer readable storage medium having a computer program stored thereon, which when executed by a processor performs a method according to any of the first aspects.
By applying the processing method of the payment record, when the pre-fueling order information to be paid exists, fueling can be carried out according to the fueling lifting number of the pre-fueling in the pre-fueling order information to be paid, so that a user can pre-establish the pre-fueling order information to be paid, and fueling time is saved.
Drawings
The foregoing and/or additional aspects and advantages of the application will become apparent and may be better understood from the following description of embodiments taken in conjunction with the accompanying drawings in which:
fig. 1 is a flowchart of a method for processing a payment record according to an embodiment of the present application.
Detailed Description
The application is described in further detail below with reference to the drawings and examples. It is to be understood that the specific embodiments described herein are merely illustrative of the application and are not limiting of the application. It should be noted that, for convenience of description, only the portions related to the present application are shown in the drawings.
It should be noted that, without conflict, the embodiments of the present application and features of the embodiments may be combined with each other. The application will be described in detail below with reference to the drawings in connection with embodiments.
The first, second, etc. numbers are merely distinguished and have no other meaning.
Fig. 1 is a flowchart of a method for processing a payment record according to an embodiment of the present application. The method is applied to a scene of filling oil in a filling station. The method is implemented by a first server, which may be a point of sale (POS) server having a calculation processing function, and a second server, which is a server for making payment, such as a third party payment server. As shown in fig. 1, the method comprises the steps of:
step 101, a fueling request message is received.
The oiling request message comprises a tag ID, a gas station ID, a gun ID and first time information.
The station ID may be a number of stations, each station having a unique number. For example, the gas station number may be "1110".
The oil gun ID can comprise the number of the oil gun, the oil gun can be divided into oil guns with different numbers according to the different types of the corresponding gasoline, for example, 001 can correspond to 92 gasoline, 002 can correspond to 95 gasoline, and each oil filling device can be provided with one or more oil guns which can be used when a plurality of oil guns exist
The gasoline with the same model can be corresponding to the gasoline with different models. The structure of the gun ID may be a gas station id+a fueling device id+a gun number, for example, "1110012001" may have the meaning of: the gas station number "1110", the fueling device number "012", and the gun number "001" can be obtained from the gun ID, which gun is located under which fueling device in the gas station.
In the present application, the received fueling request message may be sent by a card reader device on the fuel gun or by fueling equipment. The oiling device is provided with a communication module and a processing module. The communication module in the oiling device can respectively carry out data transmission with the POS system server and the oil gun.
When the oil filling request message is sent by the card reader on the oil gun, the card reader is arranged on the oil gun of the oil filling station, and the card reader comprises a card reader, a communication module and a memory, wherein the memory can store the ID of the oil filling station and the ID of the oil gun. The card reader can read and decode the label on the oil tank cover of the vehicle to obtain the label ID, and the communication module in the oil gun can package the label ID, the gas station ID in the memory and the oil gun ID to generate an oil filling request message and send the oil filling request message to the POS system server.
When the oiling request message is sent by the card reader on the oil gun, the card reader is arranged on the oil gun of the gas station and comprises a card reader and a communication module, the card reader can read and decode a label on the oil tank cover of the vehicle to obtain a label ID, the communication module in the oil gun can send the label ID to the communication module in the oiling equipment, the processing module on the oiling equipment packages the oil station ID, the oil gun ID and the label ID to generate the oiling request message, and sends the oiling request message to the POS system server.
The tag may be a radio frequency identification (Radio Frequency Identification, RFID) tag, and the tag ID may be obtained by decoding the tag. The first time information may be a time at which the reader scanned the code.
Step 102, according to the tag ID, inquiring a preset tag ID and user account information comparison table, and determining the vehicle ID and target user account information corresponding to the tag ID.
Specifically, one tag ID may correspond to one piece of vehicle information including a vehicle identification (Identity document, ID) and vehicle type information. The vehicle ID is a unique vehicle identifier, which may be a license plate number or a globally unique number of the vehicle.
One tag ID corresponds to one piece of vehicle information, and one user may have one or more vehicles, that is, one user may have one tag ID or may have a plurality of tag IDs, but one user corresponds to only one user account information, and these correspondence relations are stored in a preset tag ID and user account information comparison table. Therefore, after receiving the oiling request message, the POS system server unpacks the oiling request message, determines the user account information corresponding to the tag ID according to the tag ID, and takes the user account information corresponding to the current tag ID as target user account information.
The user account information may be an account number in a user's group oil APP stored in a POS system server, where the group oil APP is an application program for a driver to perform a fueling transaction.
Step 103, inquiring credit capability information of a user corresponding to the target user account information according to the target user account information; the credit capability information includes a credit score of the user.
The credit ability information may be a score of the credit ability of the user, for example, the credit ability score may be generated according to a payment record of the user and a credit record of the user. For example, the number of payments, total amount, etc. in the first server may generate a credit score, and the credit record of the user at the bank may generate a credit score, and the credit capability information of the user may be obtained after the two credit scores are weighted and summed. The credit ability information is a dynamically changing data that can be changed with the user's payment record and credit record.
Step 104, inquiring first payment capability information of a payment account of a user corresponding to the account information of the target user when the credit score is not smaller than a preset score threshold;
the preset score threshold may be a price corresponding to an upper limit of each refueling, for example, an upper limit of each refueling order information of the user may be preset in the server, for example, 200 yuan, the first server may send a query request to the second server, and the second server performs query after receiving the query request, so as to determine whether the payment account number of the user accords with the first payment capability information. For example, if the balance in the user payment account is 150 yuan, the first payment capability information is not met, and if the balance in the user payment account is 200 yuan, the first payment capability information is met.
Step 105, when the first payment capability information is not less than the preset threshold value, generating a first confirmation message.
The first confirmation message is used for indicating the oiling equipment to carry out oiling according to a preset oiling lifting number. The oiling device is preset with an oiling lifting number, and when the first server has no pre-oiling order to be paid, the oiling device can carry out oiling according to the preset oiling lifting number.
Specifically, after both the credit capability information and the first payment capability information pass the verification, the first server may generate a verified message and generate a first confirmation message.
Further, step 105 may further include:
firstly, inquiring whether pre-fueling order information to be paid corresponding to a gas station ID, a gun ID and target user account information exists according to the gas station ID, the gun ID and the target user account information; the pre-fueling order information to be paid includes a pre-fueling station ID, a pre-fueling gun ID, a pre-fueling liter, and a pre-fueling expense amount; then, when pre-fueling order information to be paid corresponding to the fueling station ID and the fueling gun ID exists in the target user account information, generating a second confirmation message; the second confirmation message includes a refuel liter of pre-refuel; finally, a second confirmation message is sent to the fueling device to instruct the fueling device to fueling in accordance with the fueling boost number of the pre-fueling.
Specifically, when the pre-fueling order information to be paid exists, fueling can be performed according to the fueling lifting number of the pre-fueling in the pre-fueling order information to be paid, so that a user can pre-establish the pre-fueling order information to be paid, and fueling time is saved.
And step 106, sending a first confirmation message to the oiling device, wherein the first confirmation message is used for indicating the oiling device to carry out oiling.
The first server may send a first confirmation message to the fueling device to instruct the first fueling device to control the gun to begin fueling operations.
Step 107, receiving a refueling completion message sent by a refueling device after refueling is completed; the refuel completion message includes a refuel liter number, a fuel number, a refuel amount, and second time information.
Specifically, when the refueling is completed, the refueling device obtains the refueling lifting number, the fuel number, the refueling amount and second time information for identifying the refueling completion time, packages the refueling completion message, and sends the refueling completion message to the first server.
And step 108, generating fueling order information to be paid according to the vehicle ID, the fueling lifting number, the fuel number, the fueling amount, the first time information, the second time information, the gas station ID and the fuel gun ID.
Specifically, the first server may generate fueling order information to be paid according to the fueling station ID, the fuel gun ID, the fueling lifting number, the fuel number, the fueling amount, the first time information, and the second time information, where the fueling order information to be paid may simultaneously display the fueling station ID, the fuel gun ID, the fueling lifting number, the fuel number, the fueling amount, the first time information, and the second time information. Meanwhile, the first server stores fueling order information to be paid in a cache.
And step 109, the oiling order information to be paid is sent to the second server, so that the second server performs the secret payment.
Step 109 further includes, before sending the to-be-paid fueling order information, encrypting the to-be-paid fueling order information, where the encrypting process includes the following steps:
firstly, encrypting oiling order information to be paid through a first symmetric key to obtain first encrypted data; then, abstracting the oiling order information to be paid to obtain the abstracts of the oiling order information to be paid; then, signing the abstract through a first private key to obtain a signed abstract;
encrypting the first symmetric key through the second public key to obtain an encrypted first symmetric key; packaging the first encrypted data, the signed digest and the encrypted first symmetric key to obtain encrypted data; and finally, sending the encrypted data to a second server.
The first symmetric key herein is a key when symmetric encryption is performed, and the first symmetric key may be generated according to a symmetric encryption algorithm, including, but not limited to, a data encryption algorithm (Data Encryption Algorithm, DES), a triple data encryption algorithm (Triple Data Encryption Algorithm,3 DES), an advanced encryption standard (Advanced Encryption Standard, AES) algorithm, an RC-5 algorithm, and an international data encryption algorithm (International Data Encryption algorithm, idea).
The Digest in the fueling order information to be paid may be extracted by a Digest Algorithm, such as an information Digest Algorithm (MD 5 Message-Digest algoritm, MD5, secure hash Algorithm (Secure Hash Algorithm, SHA), etc., specifically, the POS system server has previously generated a plurality of pairs of public and private keys for asymmetric encryption.
Specifically, for the first symmetric key that performs symmetric encryption, encryption may be performed by the second public key, so that asymmetric encryption is performed on the first symmetric key. The second public key here corresponds to the second, later private key.
Specifically, the first encrypted data, the signed digest and the encrypted first symmetric key are packaged to obtain encrypted data, where the encrypted data is a data packet.
After the encrypted data is sent to the second server in a data packet manner, the second server can perform the secret payment-free according to a preset secret payment-free protocol after decryption.
The second server may be a server of the payment system, for example, which type of server the second server is specifically determined according to a payment mode selected by the user from the pre-fueling order information to be paid, when the payment mode is a payment device or a WeChat payment, the second server may be a payment device or a WeChat server, and when the payment mode is a deposit card payment, the second server may be a settlement server of a bank corresponding to the deposit card. Therefore, the order data is symmetrically encrypted through the first symmetric key, the abstract is asymmetrically encrypted through the first private key, and the first symmetric key is asymmetrically encrypted through the second public key, so that the safety of the data under multiple encryption is ensured.
Further, before encryption, security verification between the first server and the second party server is required. Before the security verification is performed, the security of the public key and the private key generated by the POS system needs to be confirmed by a server of the third party certification authority. The verification of public key security can be performed by the following method; the method further comprises the steps of:
firstly, a first public key, a server ID of a third party certification authority and a second server ID are sent to a server of the third party certification authority; the server of the third party certification authority encrypts the first public key through a preset private key to obtain the encrypted first public key of the server of the third party certification authority; then, the server of the third party certification authority sends the first public key encrypted by the server of the third party certification authority to the second server according to the second server ID; then, the second server decrypts the encrypted first public key through a preset public key to obtain the first public key; finally, the preset public key is the preset public key of the server of the third party certification authority.
Wherein the server of the third party certificate authority would have previously sent the first public key to the POS system and the second server. Therefore, the security of the public key is ensured through the server of the third party authentication mechanism, and the security of the payment process is ensured.
The step of performing security verification on the private key is the same as the step of performing security verification on the public key, and will not be described here again.
Further, the step of decrypting the encrypted data by the second server is as follows:
firstly, a second server unpacks encrypted data to obtain first encrypted data, a signed abstract and an encrypted first symmetric key; then, decrypting the encrypted first symmetric key through the second private key to obtain a first symmetric key; then, decrypting the first encrypted data through the first symmetric key to obtain pre-fueling order information to be paid; then, extracting the abstract of the pre-fueling order information to be paid through an abstract algorithm to obtain an abstract to be compared; decrypting the signed abstract through the first public key to obtain the abstract; and finally, comparing the abstract with the abstract to be compared, and determining that the abstract and the abstract pass the security verification when the abstract and the abstract are equal.
Therefore, the second server decrypts the encrypted process, so that the safety of the payment process is ensured.
Step 110, receiving and storing payment feedback information sent by a second server; the payment feedback information includes a vehicle ID, a payment amount, and a payment status.
Specifically, after the payment is completed, the second server generates payment feedback information and sends the payment feedback information to the first server.
The first server may update the to-be-paid fueling order information to paid fueling order information according to the payment feedback information.
Step 111, according to the multiple payment feedback information of each vehicle ID in the preset time period, the historical payment amount of each vehicle ID is counted.
Specifically, the plurality of payment feedback information in the first server stores a plurality of vehicle IDs, and the historical payment amounts of fueling for one month, six months, etc. of the vehicle can be counted according to the vehicle IDs. The historical payment amount here is the sum of the payment amounts of the vehicles within a preset time period. The payment amount in each payment feedback information may be the same as the amount of fueling fed back by the fueling device or may be different, e.g. when a discount or discount is applied. The amount is the same when there is no benefit or activity.
And 112, grading the vehicle IDs according to the historical payment amount corresponding to each vehicle ID, and obtaining a grading result.
Specifically, the vehicles may be rated according to the historical payment amount for each vehicle for a predetermined period of time. By way of example and not limitation, the first server may be preset with vehicle rating criteria corresponding to different durations, for example, in three months, the grades of vehicles corresponding to different payment amounts are different, and the rating result of the vehicles may be 10 grades, namely 1-10,1 being lowest and 10 being highest.
And 113, determining the payment preferential proportion corresponding to the vehicle ID according to the grading result.
Specifically, the payment preferential proportion corresponding to the vehicle can be determined according to the rating result of the vehicle, for example, the preferential proportion corresponding to the 10 level can be 9 folds, the 1 level is no discount, and the like.
Further, when a plurality of vehicle IDs are corresponding to one user account information, a discount for the user account information may be determined according to the rating result of each vehicle ID.
Therefore, the application can rate the user according to the payment feedback information, thereby effectively utilizing the payment feedback information, avoiding the waste of data and improving the user experience through processing the payment feedback information.
Further, the present application may further include: acquiring historical payment feedback information under account information of a target user within a preset duration; the historical payment feedback information includes historical payment feedback information for each vehicle ID; generating a payment amount comparison table of the vehicle IDs according to the historical payment feedback information of each vehicle ID, wherein the payment amount comparison table is used for comparing the oiling cost of a plurality of vehicle IDs under the account information of the target user; acquiring driving mileage data of a vehicle in a preset duration according to the ID of the vehicle; obtaining the fuel consumption amount of each kilometer of the vehicle corresponding to each vehicle ID according to the driving mileage data and the historical payment feedback information of the vehicle ID; judging whether abnormal oil consumption information exists according to the oil consumption amount of each kilometer of the vehicle; when the abnormal oil consumption information is stored, warning information is generated.
The first server may send a request message to the vehicle-mounted terminal according to the vehicle ID, so as to obtain the driving mileage data of the vehicle stored in the vehicle-mounted terminal. And then, comparing the driving mileage within a preset duration with the corresponding payment amount to obtain the fuel consumption per kilometer of the vehicle, judging whether the fuel consumption information is abnormal according to the grade of the vehicle, generating warning information when the fuel consumption information is abnormal, and then sending the warning information to the user terminal. When a plurality of vehicles exist under the account information of one user, for example, a motorcade can determine whether oil theft exists according to the warning information, so that intelligent management and control of oil consumption of the motorcade are realized.
The second embodiment of the application provides a device, which comprises a memory and a processor, wherein the memory is used for storing programs, and the memory can be connected with the processor through a bus. The memory may be non-volatile memory, such as a hard disk drive and flash memory, in which software programs and device drivers are stored. The software program can execute various functions of the method provided by the embodiment of the application; the device driver may be a network and interface driver. The processor is configured to execute a software program, where the software program is executed to implement the method provided in the first embodiment of the present application.
A third embodiment of the present application provides a computer program product containing instructions, which when executed on a computer, cause the computer to perform the method provided by the first embodiment of the present application.
The fourth embodiment of the present application provides a computer readable storage medium, where a computer program is stored, and when the computer program is executed by a processor, the method provided in the first embodiment of the present application is implemented.
Those of skill would further appreciate that the various illustrative elements and algorithm steps described in connection with the embodiments disclosed herein may be implemented as electronic hardware, computer software, or combinations of both, and that the various illustrative elements and steps are described above generally in terms of function in order to clearly illustrate the interchangeability of hardware and software. Whether such functionality is implemented as hardware or software 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 steps of a method or algorithm described in connection with the embodiments disclosed herein may be embodied in hardware, in a software module executed by a processor, or in a combination of the two. The software modules may be disposed in Random Access Memory (RAM), memory, read Only Memory (ROM), electrically programmable ROM, electrically erasable programmable ROM, registers, hard disk, a removable disk, a CD-ROM, or any other form of storage medium known in the art.
The foregoing detailed description of the application has been presented for purposes of illustration and description, and it should be understood that the application is not limited to the particular embodiments disclosed, but is intended to cover all modifications, equivalents, alternatives, and improvements within the spirit and principles of the application.

Claims (10)

1. A method of processing a payment record, the method comprising:
the first server receives the oiling request message; the oiling request message comprises a tag ID, a gas station ID, a gun ID and first time information;
inquiring a preset tag ID and user account information comparison table according to the tag ID, and determining a vehicle ID and target user account information corresponding to the tag ID;
inquiring credit capability information of a user corresponding to the target user account information according to the target user account information; the credit ability information includes a credit score of the user;
when the credit score is not smaller than a preset score threshold value, inquiring first payment capability information of a payment account of a user corresponding to the target user account information;
when the first payment capability information is not smaller than a preset threshold value, generating a first confirmation message;
the first confirmation message is sent to the oiling device, and the first confirmation message is used for indicating the oiling device to carry out oiling according to a preset oiling lifting number;
wherein after the first server receives the fueling request message sent by the fueling device, and before fueling is completed, the method further comprises:
inquiring whether pre-fueling order information to be paid corresponding to the gas station ID, the oil gun ID and the target user account information exists according to the gas station ID, the oil gun ID and the target user account information; the pre-fueling order information to be paid includes a pre-fueling station ID, a pre-fueling gun ID, a pre-fueling liter, and a pre-fueling expense amount;
generating a second confirmation message when the target user account information contains pre-fueling order information to be paid corresponding to the gas station ID and the oil gun ID; the second confirmation message includes a fueling boost number of the pre-fueling;
and sending the second confirmation message to the oiling device to instruct the oiling device to carry out oiling according to the oiling lifting number of the pre-oiling.
2. The method of claim 1, wherein the target user account information includes a vehicle ID, a user ID to which the vehicle belongs.
3. The method according to claim 1, characterized in that the method is preceded by:
receiving pre-fueling order information sent by a user terminal; the pre-fueling order information includes a user ID, a pre-fueling station ID, a pre-fueling gun ID, a pre-fueling liter, and a pre-fueling expense amount;
inquiring credit capability information of user account information corresponding to the user ID according to the user ID;
the credit ability information includes a credit score of the user;
inquiring second payment capability information of a payment account number of the user corresponding to the user account information when the credit score is not smaller than a preset score threshold value;
and when the second payment capability information is not smaller than the consumption amount of the pre-fueling, generating pre-fueling order information to be paid.
4. The method according to claim 1, wherein the method further comprises:
generating a first credit score according to a payment record of a user corresponding to the target user account information;
generating a second credit score according to the credit record of the user corresponding to the target user account information;
and carrying out weighted summation on the first credit score and the second credit score to obtain the credit ability score.
5. The method of claim 1, wherein the sending the first confirmation message to the fueling device specifically comprises:
and when the first server does not have the pre-fueling order information to be paid, sending the first confirmation message to the fueling equipment so that the fueling equipment performs fueling according to a preset fueling lifting number.
6. The method of claim 3, wherein the method further comprises, when the first payment capability information is not less than a preset threshold, or when the second payment capability information is not less than a pre-fueling consumption amount:
and generating a credential message through which the first payment capability information or the second payment capability information passes, and displaying and storing the credential message.
7. The method of claim 1, wherein the first server receiving a fueling request message specifically comprises:
the first server receives a refueling request message sent by the refueling equipment after receiving a tag read by a card reader on a fuel gun on a fuel tank cover of a vehicle; or,
the first server receives a refueling request message sent by a communication module on the oil gun; and the communication module acquires the tag ID read by the card reader.
8. The method according to claim 1, characterized in that the method further comprises after that:
acquiring historical payment feedback information under account information of a target user within a preset duration; the historical payment feedback information comprises historical payment feedback information of each vehicle ID;
generating a payment amount comparison table of the vehicle IDs according to the historical payment feedback information of each vehicle ID, wherein the payment amount comparison table is used for comparing the oiling cost of a plurality of vehicle IDs under the account information of the target user;
acquiring driving mileage data of a vehicle in a preset duration according to the ID of the vehicle;
obtaining the fuel consumption amount of each kilometer of the vehicle corresponding to each vehicle ID according to the driving mileage data and the historical payment feedback information of the vehicle ID;
judging whether abnormal oil consumption information exists according to the oil consumption amount of each kilometer of the vehicle;
when the abnormal oil consumption information is stored, warning information is generated.
9. An apparatus comprising a memory for storing a program and a processor for performing the method of any one of claims 1 to 8.
10. A computer readable storage medium, on which a computer program is stored, characterized in that the computer program, when being executed by a processor, implements the method according to any one of claims 1 to 8.
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