CN101877156A - System and method for paying traffic fee by using bank card - Google Patents
System and method for paying traffic fee by using bank card Download PDFInfo
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- CN101877156A CN101877156A CN2009100501517A CN200910050151A CN101877156A CN 101877156 A CN101877156 A CN 101877156A CN 2009100501517 A CN2009100501517 A CN 2009100501517A CN 200910050151 A CN200910050151 A CN 200910050151A CN 101877156 A CN101877156 A CN 101877156A
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Abstract
The invention provides a system and a method for paying traffic fee by using a bank card. The system comprises a fee meter, the bank card, a bank card reader, simple on-line equipment, a mobile phone, a communication network, a bank payment system and the like, wherein the fee meter, the bank card reader, the simple on-line equipment and the mobile phone are connected through data connecting wires. The fee meter supplies a button for selecting a payment mode, and transmits traffic fee sum data to the bank card reader after the payment mode is selected; after the bank card is read, the bank card reader transmits the data to the simple on-line equipment connected with the on-line mobile phone; and the simple on-line equipment realizes data interaction operation with the bank payment system through a mobile phone network, and finally realizes traffic feed payment by using the bank card. The invention designs a set of complete and feasible payment system and method by making full use of the quickness and convenience of bank card payment and flexibility and mobility of mobile phone network access, and provides a complete security guarantee mechanism for providing great convenience for a user and eliminating the security consideration of the user on paying the fee by using the bank card on a mobile traffic tool at the same time.
Description
(1) technical field
The present invention relates to fields such as electronic technology, network application, mobile networking and bank card payment.The invention provides a kind of system and method by paying traffic fee by using bank card.
(2) background technology
Current use bank card is concluded the business and is paid a part that becomes people's daily life, at market shopping, pay in the various daily uses such as charges for water and electricity usefulness, consumption online, people can make things convenient for, safety, use bank card to pay and settle accounts quickly.The intelligent payment system that provides by China Unionpay and each big bank, improved the speed of bank card business dealing more greatly, guaranteed the security of transaction,, reduced the worry of people the bank card business dealing security for daily life provides a great convenience.
Surfing Internet with cell phone be provide by mobile communication carrier and by the mobile Internet access function that most mobile phone is supported, use the number of surfing Internet with cell phone very huge at present.Simultaneously, the technology that mobile phone is surfed the Net by mobile phone as intermediary, use computer or other electronic equipments is also very ripe, becomes a kind of network access in many people's out of town trips or the daily life.It is flexible that surfing Internet with cell phone possesses the online place, characteristics such as the time is flexible, simple to operate, and people can support online and open on the mobile phone of network service browsing page whenever and wherever possible at one one, carry out the diverse network activity, are not subjected to site limitation any time.
The paying traffic fee by using mode no longer has been confined to single pay-us-you-go plan at present, there is the multiple mode can paying traffic fee by using, common mode is to use transportation card or cash to pay, use the mobile-phone payment transport cost a lot of mechanisms to be arranged, may will put in the near future in the actual application in research.
The generation of transport cost have with general expenses such as market shopping produce different characteristics.On the one hand, the place that transport cost produces is unfixed, no matter be all generation expenses in moving of bus or taxi or other various vehicles, therefore the non-network type modes of payments for single-point relatively is suitable for (as pay in cash, mass transit card payment), the mobile network connects, security problems but will exist for the network type modes of payments, increased the complexity of payment, payment speed has also been proposed test.On the other hand, the payment of a large amount of transport costs (as using the transport cost that taxi produced) with the payment of few volume transport cost exist much different again, pay down a large amount of transport costs if make, just need carry the wholesale cash for the people who often takes taxi, and the bank of often coming in and going out extracts cash, also there are problems such as small change simultaneously, very inconvenient; If use transportation card to pay a large amount of transport costs, so just need to supplement with money for transportation card continually, even once charge into buckets of cash for convenience, can exist transportation card in a single day to lose a large amount of loss problems of being brought again.
The bank card payment has been deep in the payment of various transaction, the present invention is exactly a convenient and swift property of having utilized bank card business dealing, and the dirigibility of surfing Internet with cell phone, a kind of usefulness has been proposed by the mobile phone network savvy, utilize bank card to realize the system and method for the real-time payment of transport cost anywhere or anytime, solved the problem that the payment of above-mentioned transport cost exists, for people's go off daily provides faster easy transport cost method of payment.
(3) summary of the invention
For existing difficulty and deficiency in the transport solution reimbursement of expense, the present invention proposes a kind of system and method with paying traffic fee by using bank card.The present invention has designed the payment system and the method that are primarily aimed in the taxi transport cost on the basis that makes full use of existing mature technology and scheme.
The system with paying traffic fee by using bank card that provides among the present invention comprises: fee register, bank card, bank card card reader, simple networked devices, mobile phone, communication network, bank payment system etc., wherein fee register, bank card card reader, simple networked devices, mobile phone connect by data connecting line.Fig. 1 has shown overall frame structure synoptic diagram of the present invention.
Fee register among the present invention has increased selection modes of payments button, after fee register demonstrates final transport cost, the user can be by selecting modes of payments button, select to adopt which kind of mode to pay the transport cost of this generation, can provide by one of modes such as transportation card, mobile phone, bank card and pay.The present invention mainly is by bank card modes of payments paying traffic fee by using.
The bank card card reader receives the amount of money data that come from fee register, show amount of money data, the bank card function of swiping card is provided, judge the validity and the correctness of bank card, collect bank card data, be responsible for sending bank card data, traffic amount of money data, Payment Request to simple networked devices.
Simple networked devices is connected with the mobile phone of can networking with the bank card card reader respectively, receive the data that the bank card card reader transmits, deal with data, the network of setting up whole system by cell phone network connects, send the data to bank payment system, receive the response message that bank payment system returns, analyze and the demonstration response message.
The present invention has carried out improving to adapt to the needs of native system to traditional fee register, bank card card reader.For fee register, increased selection modes of payments button, the user can select a kind of modes of payments by this button, and the modes of payments that fee register is selected according to the user sends the transport cost data to the corresponding payment disposal system and handles.For the bank card card reader, keep the bank card card reader in information Recognition, checking and the data collection function of back of swiping the card to bank card, keep the processing capacity of bank card to data.The functions such as response message that send data and Payment Request, reception bank payment system to bank payment system in the bank card card reader are given simple networked devices and are handled.
Increased simple networked devices among the present invention, this network equipment is used for connecting bank card card reader and mobile phone, be responsible for finishing the network connection work of native system, utilize cell phone network to send and accept data, request and response, the data interaction between realization and the bank payment system.The ready-made technology that the present invention has utilized bank card to pay and operate by network, utilized the function of mobile phone mobile Internet access, and made full use of the security guarantee that they provided, security for guaranteeing to provide perfect on this basis, in simple networked devices, according to bank payment system the security requirement of data is increased measures such as data encryption and digital signature, guaranteed safety of data transmission.In addition, in order to guarantee the reliability of equipment source, simple networked devices among the present invention in actual applications need be by traffic department's centralized purchasing, and by reaching an agreement between traffic department and the Banking sector, put on record for each simple networked devices by Banking sector, and unique identity characteristic information is set.When simply networked devices and bank payment system are mutual at every turn, bank payment system all can at first be verified the identity characteristic information of this simple networked devices, checking is by just carrying out follow-up work of treatment, otherwise transmission error message, and write down the identity information of this simple networked devices by bank payment system, extract this data in order to relevant departments, the legitimacy and the validity of this simple networked devices are verified.Be provided with function and facility in the simple networked devices by surfing Internet with cell phone, so just guaranteed to have networked mobile phone after being connected to simple networked devices, simple networked devices can really be set up the needed network of native system and connect, and realization is mutual with bank payment system.Mobile phone belongs to transport cost disburser individual to be owned, and all operations all passes through user's control, has guaranteed the security of objective main body.
(4) description of drawings
Fig. 1 is a general structure synoptic diagram of the present invention.
Fig. 2 is a system and method schematic flow sheet proposed by the invention.
(5) embodiment
According to summary of the invention recited above,, describe in detail the specific embodiment of the present invention below in conjunction with the schematic flow sheet of Fig. 2.
At first fee register is after demonstrating final transport cost, and which kind of mode user by selecting modes of payments button selects to adopt pay the transport cost of this generation.After the user selected to adopt the paying traffic fee by using bank card mode, fee register sent transport cost amount of money data to the bank card card reader.
After the bank card card reader receives transport cost amount of money data, show the amount of money by display screen, the user confirms the bank card of the errorless back of amount of money taking-up oneself, swipes the card on the bank card card reader.After swiping the card, the bank card card reader is collected bank card data, and the correctness and the validity of checking bank card information are if if wrong demonstration error message correct, sends bank card data, the traffic amount of money, Payment Request to simple networked devices.
The user takes out oneself mobile phone confirming that the traffic amount of money is errorless and after swiping the card on the bank card card reader, guarantees under the prerequisite that mobile phone can surf the Net, and mobile phone usefulness data line is connected with simple networked devices.
After simple networked devices identification mobile phone connects, set up bank system network by cell phone network and connect.After the data that receive the transmission of bank card card reader, data are handled; Send data by cell phone network to bank payment system, wait-for-response.
After bank payment system is received the data that come from simple networked devices, at first simple networked devices itself is carried out identification and checking, if simple networked devices can not be by checking, bank payment system can return error message, otherwise handle the data and the request that come from this equipment, return response message.
Simple networked devices is analyzed this information after receiving the response message that bank payment system returns by cell phone network.If the operation success message shows success message, this paying traffic fee by using bank card action is finished; If operation failure information, show failure information, this moment, the user can select other modes of payments once more on fee register, and fee register can be sent to the payment processes of carrying out transport cost on the corresponding payment disposal system with the final transport cost amount of money after the selection of receiving the user.
After the transport cost delivery operation is finally finished, by user or taxi driver fee register is carried out clear operation, can begin a new taxi and use and transport cost payment activity.
The present invention provides a great convenience for daily life, especially produce the user of a large amount of transport costs for vehicles such as often taking taxi, by system and method provided by the invention, can use paying traffic fee by using bank card in real time, whenever and wherever possible.Native system has made full use of the fast and simple property of bank card payment and the dirigibility and the movability of surfing Internet with cell phone, designed a complete feasible payment system of cover and a method, and provide perfect Security Assurance Mechanism, when providing very big convenience, eliminated the safety worries that the user utilizes bank card to pay on the vehicles that move for the user.
Claims (6)
1. system and method with paying traffic fee by using bank card.It is characterized in that the system in this invention comprises: fee register, bank card, bank card card reader, simple networked devices, mobile phone, communication network, bank payment system etc., wherein fee register, bank card card reader, simple networked devices, mobile phone connect by data connecting line, realize data interaction.
2. a kind of system and method as claimed in claim 1 with paying traffic fee by using bank card, the fee register that it is characterized in that this system includes modes of payments selection function, support to multiple payment processing system can be provided, have data interaction function simultaneously with other equipment.
3. a kind of system and method with paying traffic fee by using bank card as claimed in claim 1 is characterized in that the bank card card reader of this system has the function of checking and collection bank card information, has to handle the function that sends data.
4. a kind of system and method as claimed in claim 1 with paying traffic fee by using bank card, the simple networked devices that it is characterized in that this system has the function with bank card card reader interaction data, has the function that connects network by the networking mobile phone, has the function that sends and receive the bank payment system data, function with configurable identity characteristic information has the function that shows various informations.
5. a kind of system and method as claimed in claim 1 with paying traffic fee by using bank card, it is characterized in that the method that this system provides is to utilize and improving on the basis of fee register billing function, bank card payment function, mobile phone network savvy, bank payment system payment processes function, add the special networks networked devices, by the coordination between each equipment and mutual, set up complete transport cost payment system, bank card paying traffic fee by using is whenever and wherever possible passed through in final realization.
6. a kind of system and method with paying traffic fee by using bank card as claimed in claim 1 is characterized in that the bank card of this system is meant that all can be used for the bank card of network trading and payment.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN2009100501517A CN101877156A (en) | 2009-04-28 | 2009-04-28 | System and method for paying traffic fee by using bank card |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN2009100501517A CN101877156A (en) | 2009-04-28 | 2009-04-28 | System and method for paying traffic fee by using bank card |
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| Publication Number | Publication Date |
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| CN101877156A true CN101877156A (en) | 2010-11-03 |
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| Application Number | Title | Priority Date | Filing Date |
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| CN2009100501517A Pending CN101877156A (en) | 2009-04-28 | 2009-04-28 | System and method for paying traffic fee by using bank card |
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Cited By (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN103093558A (en) * | 2011-10-31 | 2013-05-08 | 深圳光启高等理工研究院 | Payment method and system thereof through mobile phone light emitting diode (LED) lamp |
| CN103794007A (en) * | 2012-10-31 | 2014-05-14 | 东芝泰格有限公司 | Cash registering apparatus, point server and cash registration method |
| CN104794614A (en) * | 2015-04-29 | 2015-07-22 | 贵州中科汉天下信息技术有限公司 | Bus cost payment method |
| CN106447921A (en) * | 2016-08-26 | 2017-02-22 | 合肥若涵信智能工程有限公司 | Bank card reader |
| CN110580622A (en) * | 2019-09-16 | 2019-12-17 | 飞天诚信科技股份有限公司 | terminal equipment and method for selecting interactive process |
-
2009
- 2009-04-28 CN CN2009100501517A patent/CN101877156A/en active Pending
Cited By (6)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN103093558A (en) * | 2011-10-31 | 2013-05-08 | 深圳光启高等理工研究院 | Payment method and system thereof through mobile phone light emitting diode (LED) lamp |
| CN103093558B (en) * | 2011-10-31 | 2014-12-24 | 深圳光启高等理工研究院 | Payment method and system thereof through mobile phone light emitting diode (LED) lamp |
| CN103794007A (en) * | 2012-10-31 | 2014-05-14 | 东芝泰格有限公司 | Cash registering apparatus, point server and cash registration method |
| CN104794614A (en) * | 2015-04-29 | 2015-07-22 | 贵州中科汉天下信息技术有限公司 | Bus cost payment method |
| CN106447921A (en) * | 2016-08-26 | 2017-02-22 | 合肥若涵信智能工程有限公司 | Bank card reader |
| CN110580622A (en) * | 2019-09-16 | 2019-12-17 | 飞天诚信科技股份有限公司 | terminal equipment and method for selecting interactive process |
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Application publication date: 20101103 |