CN105184970A - Public transportation IC card internet payment system and payment method thereof - Google Patents
Public transportation IC card internet payment system and payment method thereof Download PDFInfo
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- CN105184970A CN105184970A CN201510543071.0A CN201510543071A CN105184970A CN 105184970 A CN105184970 A CN 105184970A CN 201510543071 A CN201510543071 A CN 201510543071A CN 105184970 A CN105184970 A CN 105184970A
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Abstract
The present invention provides a public transportation IC card internet payment system and a payment method thereof. The current payment ideas are changed, riding identification and payment functions of a public transportation IC card are separated, neither riding nor network payment of a passenger are neglected, and the passenger does not need to go to specified places for prepayment of the public transportation IC card and only needs to guarantee that a deduction account assorted with the IC card has money, thereby omitting the trouble for a user to go to a public transportation IC card service point for prepayment, bringing great convenience for passengers, greatly reducing logistics service personnel of public transportation companies, such as on-site charging persons and money counting staff, and lowering public transportation operating costs.
Description
[technical field]
The present invention relates to and supplement payment technology with money, particularly relate to a kind of first give certification by bus to passenger and the later stage by the bus IC card network payment system of the automatic paying riding fee of platform and method of payment thereof.
[background technology]
Existing bus IC card belongs to the small amount consumption card that off line uses, have easy to carry, the feature such as to keep the change, user's amount of money is stored on card, different in kind is stored in the bank card of back-end data in the amount of money, according to national current policies, such small amount consumption card can only in industry be consumed (having except financial qualification), and usable range also can only use within the scope of public transport, as bus, taxi, subway, tramcar and ferry etc.
At present, off line card is the quick main product paid, particularly in public transport field, it is necessary quick that public transit trade requires passenger to pay, the agility of operation could be ensured, so public transport payment system must be quickness and high efficiency, connect when it cannot accomplish the network implementation being similar to bank and withhold.Because existing bus IC card is small amount consumption card, for off-line operation, data platform is difficult to control the operation of mobile card swiping terminal restriction IC-card, therefore be difficult to realize IC-card report the loss, cause such card passenger can not supplement more cash with money to avoid risk to IC-card, so passenger needs frequently to supplement with money IC-card, and existing site of supplementing with money covers not enough, fast, easily adopt IC-card swipe the card trip in public transport development seriously delayed, citizen passenger reflects that more mainly IC-card supplements inconvenience with money, but existing implementing measure fundamentally can not solve and supplements inconvenient problem with money.
For this reason, for the above problem that off line IC-card exists, particularly supplement site with money and cover not enough problem, many enterprises of public transport and businessman all supplement problem with money in the rapid and convenient trying every possible means to solve IC-card, and it is that consumer buys top-up machines, after Online Payment that the charging in real time mode that realizes of employing mainly contains two kinds: one, charging in real time is accomplished by the software supporting with top-up machines, be limited to purchase top-up machines, increase disbursement and operation easier problem, this public transport mode of supplementing with money is promoted slowly; Two is by mobile phone NFC function, Mobile phone card and IC-card are united two into one, realize 1 card, 2 wallets, by supplementing with money IC-card after network payment, but be limited to mobile phone and be equipped with NFC function problem, compatibling problem, and the problem such as complicated operation, such charging in real time is also better promoted at present.
But in view of current I C card circulation is large, and applicability is better, remain the main product of following a period of time, how to solve the payment of off line card and supplement problem with money, be still IC-card in Present Domestic public transport and supplement the technical barrier needing to solve with money.
[summary of the invention]
For above-mentioned prior art present situation, technical matters to be solved by this invention is, pass through transformation concept, first give certification by bus to passenger, later stage is used by the automatic paying riding fee of platform, there is provided a kind of convenient and be easy to operate bus IC card network payment system and method for payment, this recharge method according to country to small amount consumption card management expectancy, simultaneously in view of Present Domestic bus IC card usable range can only select instrument feature of taking pubic transport, by means of wireless networks such as the network payment of current prosperity and the wired and wireless networks, particularly 4G that develop rapidly; User swipes the card and mainly realizes two functions by bus, and one is first pay riding fee to public transport company, and two is that bus drivers or ticket collector are paid the fees by acoustic image mode authentication determination passenger, and permit passengers by bus; By the change to current payment theory, split bus IC card to ride certification and payment function, realize passenger to ride to pay the fees with network to neglect neither, passenger users first gives certification and gets on the bus, later stage is used by the automatic paying riding fee of public transport load value data processing platform again, realizing bus IC card without the need to paying pre-payment to specified point, significantly improving the convenience of bus IC card, solve current bus IC card and can only arrive the drawback of specifying artificial point to supplement with money.
In order to realize foregoing invention object, the technical solution used in the present invention is:
Bus IC card network payment system, this network payment system comprises:
Certain amount of cash is paid by the network payment mode in third party or four directions for IC-card user, corresponding public transport company or bus IC card management company arrange the appointment Net silver account receiving certain amount of cash in Unionpay's system, specify Net silver account to receive the bus IC card card number and recharge amount information that are accompanied with IC-card user when IC-card user pays in the lump;
The public transport load value data processing platform that the corresponding public transport company of charging information for acknowledging receipt of IC-card user or bus IC card management company are arranged, described public transport load value data processing platform is connected with the appointment Net silver account in Unionpay system;
For the bus IC card that IC-card user swipes the card by bus, this bus IC card is divided into two wallets, a wallet is the stored value card of bus IC card, the remaining sum account of the corresponding bus IC card setting of public transport load value data processing platform of one Ge Shi public transport company or bus IC card management company, recharge amount puts under in the remaining sum account of bus IC card by described public transport load value data processing platform, described remaining sum account be used as IC-card user by bus after the prepayment of riding fee withhold;
The bus POS machine of supplementing with money bus IC card for IC-card user or website money machine, described bus POS machine or website money machine are connected with public transport load value data processing platform.
Preferably, described bus IC card is the Payment Card that takes public transport of M1 card, CPU card or off-line or the means of payment.
Preferably, described public transport load value data processing platform with adopt wireless network connectivity between bus POS machine or adopt movable storage device unloading to be communicated with.
Preferably, described public transport load value data processing platform with adopt wireless network or cable network to be communicated with between website money machine or adopt movable storage device unloading to be communicated with.
Preferably, described public transport load value data processing platform is also provided with the micro-letter platform, webpage or the app that to have by oneself with public transport or authorize and holds and be connected, be convenient to IC-card user and inquire about trip information needed for passenger, IC-card inquiry into balance information, card Sorry, your ticket has not enough value prompting etc., increase consumer experience, strengthening public transport technicalization management, promotes public traffic management level.
Bus IC card method of network payment, comprises the following steps:
A, IC-card user are to public transport company or bus IC card management company registration bus IC card, this bus IC card is divided into two wallets, a wallet is the stored value card of bus IC card, the remaining sum account that the corresponding bus IC card of the public transport load value data processing platform of one Ge Shi public transport company or bus IC card management company is arranged, described remaining sum account be used as IC-card user by bus after the prepayment of riding fee withhold; Described bus IC card is divided into two kinds, and a kind of bus IC card is the amount of money can reducing IC-card stored value card, and remaining sum is reduce the remaining sum account amount of money again after zero, and another kind of bus IC card only reduces the remaining sum account amount of money;
B, public transport company or bus IC card management company arrange the appointment Net silver account being convenient to IC-card user network payment in Unionpay's system;
C, IC-card user pay the appointment Net silver account of certain amount of cash to public transport company or bus IC card management company by the network payment mode in third party or four directions, are accompanied with the IC card numbers that need supplement with money and recharge amount when IC-card user pays;
The public transport load value data processing platform of d, public transport company or bus IC card management company, by being communicated with appointment Net silver account, acknowledges receipt of the charging information of IC-card user and recharge amount will put under in the remaining sum account of bus IC card;
E, IC-card user by bus POS machine or website money machine the stored value card to bus IC card supplement with money, and stored value card charging information is fed back in the remaining sum account of public transport load value data processing platform;
When f, IC-card user swipe the card by bus, the bus IC card kind handled according to IC-card user carries out operation of withholing;
G, IC-card user remaining sum account surplus, can swipe the card by bus, removes the worry that when looking for recharge point trouble and swipe the card, Sorry, your ticket has not enough value from.
Further, the use-pattern of described bus IC card adopts control mode in indefinite duration or limiting time section to use.
Further, described bus IC card adopts the IC-card of real-name authentication to do handling of card loss, and the IC-card not doing real-name authentication can not handling of card loss.
Further, described public transport company or bus IC card management company are set with the amount of consumption or the consumption number of times of limiting time to described bus IC card.
Further, after also comprising the bus IC card brushing card data that public transport load value data processing platform receives according to bus POS machine or website money machine after described step g, public transport load value data processing platform carries out remaining sum account to be reduced, freezes arrearage IC-card or IC-card operation is freezed in recovery.
The invention has the beneficial effects as follows:
(1), conscientiously ensure take public transport convenient, remove from and supplement worry with money to assigned I C card recharge point, save time;
(2), IC-card can report the loss, and ensured the interests of passenger;
(3), the existing hardware system of charge by bus of public transport company can not do any change, only need to increase radio network functions to vehicle-mounted POS or website money machine, to public transport load value data processing platform upgrading, the experience of elevator system can be played, strengthen result of use;
(4), system security reliability is high, and system external is connected by wireless network, and transmission be coded signal, greatly can improve the reliability in use procedure;
(5), have stronger extended pattern, each city current is all at implementation Citizen Card Item, and wherein attach small amount consumption function, this project can be expanded, and solves resident or trade company's small change worry;
(6), increase the sink money of public transport company, significantly alleviate enterprises of public transport's operating cost;
(7), remove the few defect in existing public transport recharge point from, scheme of supplementing with money does not limit by when and where, facilitates civic simultaneously, significantly reduces enterprises of public transport's human cost.
[accompanying drawing explanation]
Fig. 1 is charging system process flow diagram of the present invention;
Fig. 2 is workflow diagram of the present invention;
[embodiment]
And the present invention is described in detail in conjunction with the embodiments below with reference to the accompanying drawings.
Bus IC card network payment system, as depicted in figs. 1 and 2, this network payment system comprises: pay certain amount of cash for IC-card user by the network payment mode in third party or four directions, corresponding public transport company or bus IC card management company arrange the appointment Net silver account receiving certain amount of cash in Unionpay's system, specify Net silver account to receive the bus IC card card number and recharge amount information that are accompanied with IC-card user when IC-card user pays in the lump; The public transport load value data processing platform that the corresponding public transport company of charging information for acknowledging receipt of IC-card user or bus IC card management company are arranged, described public transport load value data processing platform is connected with the appointment Net silver account in Unionpay system; For the bus IC card that IC-card user swipes the card by bus, this bus IC card is divided into two wallets, a wallet is the stored value card of bus IC card, the remaining sum account of the corresponding bus IC card setting of public transport load value data processing platform of one Ge Shi public transport company or bus IC card management company, recharge amount puts under in the remaining sum account of bus IC card by described public transport load value data processing platform, described remaining sum account be used as IC-card user by bus after the prepayment of riding fee withhold; The bus POS machine of supplementing with money bus IC card for IC-card user or website money machine, described bus POS machine or website money machine are connected with public transport load value data processing platform.
Wherein, bus IC card is M1 card, CPU card or the offline electronic payment card taken public transport or the means of payment, adopt wireless network connectivity between public transport load value data processing platform and bus POS machine, between public transport load value data processing platform and website money machine, adopt wireless network connectivity; Described public transport load value data processing platform is also provided with the micro-letter platform, webpage or the app that to have by oneself with public transport or authorize and holds and be connected, be convenient to IC-card user and inquire about trip information needed for passenger, IC-card inquiry into balance information, card Sorry, your ticket has not enough value prompting etc., increase consumer experience, strengthening public transport technicalization management, promotes public traffic management level.
Bus IC card method of network payment, as shown in Figure 2, comprises the following steps:
A, IC-card user are to public transport company or bus IC card management company registration bus IC card, this bus IC card is divided into two wallets, a wallet is the stored value card of bus IC card, the remaining sum account that the corresponding bus IC card of the public transport load value data processing platform of one Ge Shi public transport company or bus IC card management company is arranged, described remaining sum account be used as IC-card user by bus after the prepayment of riding fee withhold; Described bus IC card is divided into two kinds, and a kind of bus IC card is the amount of money can reducing IC-card stored value card, and remaining sum is reduce the remaining sum account amount of money again after zero, and another kind of bus IC card only reduces the remaining sum account amount of money;
B, public transport company or bus IC card management company arrange the appointment Net silver account being convenient to IC-card user network payment in Unionpay's system;
C, IC-card user pay the appointment Net silver account of certain amount of cash to public transport company or bus IC card management company by the network payment mode in third party or four directions, are accompanied with the IC card numbers that need supplement with money and recharge amount when IC-card user pays;
The public transport load value data processing platform of d, public transport company or bus IC card management company, by being communicated with appointment Net silver account, acknowledges receipt of the charging information of IC-card user and recharge amount will put under in the remaining sum account of bus IC card;
E, IC-card user by bus POS machine or website money machine the stored value card to bus IC card supplement with money, and stored value card charging information is fed back in the remaining sum account of public transport load value data processing platform;
When f, IC-card user swipe the card by bus, the bus IC card kind handled according to IC-card user carries out operation of withholing;
H, IC-card user remaining sum account surplus, can swipe the card by bus, removes the worry that when looking for recharge point trouble and swipe the card, Sorry, your ticket has not enough value from.
This bus IC card method of network payment, also comprises following operation steps, and the use-pattern of described bus IC card adopts control mode in indefinite duration or limiting time section to use; Described bus IC card adopts the IC-card of real-name authentication to do handling of card loss, and the IC-card not doing real-name authentication can not handling of card loss; Described public transport company or bus IC card management company are set with the amount of consumption or the consumption number of times of limiting time to described bus IC card.
This bus IC card method of network payment, after also comprising the bus IC card brushing card data that public transport load value data processing platform receives according to bus POS machine or website money machine after described step g, public transport load value data processing platform carries out remaining sum account to be reduced, freezes arrearage IC-card or IC-card operation is freezed in recovery.
By this bus IC card network payment system and method for payment thereof, it is convenient that practical guarantee IC-card user takes public transport, remove from and supplement worry with money to assigned I C card recharge point, save time, remove the few defect in existing public transport recharge point from, scheme of supplementing with money does not limit by when and where, facilitates civic simultaneously, significantly reduces enterprises of public transport's human cost; Simultaneously, the hardware system of charge being by bus convenient to existing public transport company can not do any change, only needs to increase radio network functions, to public transport load value data processing platform upgrading to vehicle-mounted POS or website money machine, the experience of elevator system can be played, strengthen result of use.
The above embodiment is just preferred embodiment of the present invention, not limits practical range of the present invention with this, and all equivalence changes done according to the principle of operation of the present invention, all should be covered by protection scope of the present invention.
Claims (10)
1. bus IC card network payment system, is characterized in that, this network payment system comprises:
Certain amount of cash is paid by the network payment mode in third party or four directions for IC-card user, corresponding public transport company or bus IC card management company arrange the appointment Net silver account receiving certain amount of cash in Unionpay's system, specify Net silver account to receive the bus IC card card number and recharge amount information that are accompanied with IC-card user when IC-card user pays in the lump;
The public transport load value data processing platform that the corresponding public transport company of charging information for acknowledging receipt of IC-card user or bus IC card management company are arranged, described public transport load value data processing platform is connected with the appointment Net silver account in Unionpay system;
For the bus IC card that IC-card user swipes the card by bus, this bus IC card is divided into two wallets, a wallet is the stored value card of bus IC card, the remaining sum account of the corresponding bus IC card setting of public transport load value data processing platform of one Ge Shi public transport company or bus IC card management company, recharge amount puts under in the remaining sum account of bus IC card by described public transport load value data processing platform, described remaining sum account be used as IC-card user by bus after the prepayment of riding fee withhold;
The bus POS machine of supplementing with money bus IC card for IC-card user or website money machine, described bus POS machine or website money machine are connected with public transport load value data processing platform.
2. bus IC card network payment system according to claim 1, is characterized in that, described bus IC card is M1 card, CPU card or the offline electronic payment card taken public transport or the means of payment.
3. bus IC card network payment system according to claim 1, is characterized in that, described public transport load value data processing platform with adopt wireless network connectivity between bus POS machine or adopt movable storage device unloading to be communicated with.
4. bus IC card network payment system according to claim 1, is characterized in that, described public transport load value data processing platform with adopt wireless network or cable network to be communicated with between website money machine or adopt movable storage device unloading to be communicated with.
5. bus IC card network payment system according to claim 1, is characterized in that, described public transport load value data processing platform is also provided with the micro-letter platform, webpage or the app that to have by oneself with public transport or authorize and holds and be connected.
6. the bus IC card method of network payment according to claim 1 to 5 any one claim, is characterized in that, comprise the following steps:
A, IC-card user are to public transport company or bus IC card management company registration bus IC card, this bus IC card is divided into two wallets, a wallet is the stored value card of bus IC card, the remaining sum account that the corresponding bus IC card of the public transport load value data processing platform of one Ge Shi public transport company or bus IC card management company is arranged, described remaining sum account be used as IC-card user by bus after the prepayment of riding fee withhold; Described bus IC card is divided into two kinds, and a kind of bus IC card is the amount of money can reducing IC-card stored value card, and remaining sum is reduce the remaining sum account amount of money again after zero, and another kind of bus IC card only reduces the remaining sum account amount of money;
B, public transport company or bus IC card management company arrange the appointment Net silver account being convenient to IC-card user network payment in Unionpay's system;
C, IC-card user pay the appointment Net silver account of certain amount of cash to public transport company or bus IC card management company by the network payment mode in third party or four directions, are accompanied with the IC card numbers that need supplement with money and recharge amount when IC-card user pays;
The public transport load value data processing platform of d, public transport company or bus IC card management company, by being communicated with appointment Net silver account, acknowledges receipt of the charging information of IC-card user and recharge amount will put under in the remaining sum account of bus IC card;
E, IC-card user by bus POS machine or website money machine the stored value card to bus IC card supplement with money, and stored value card charging information is fed back in the remaining sum account of public transport load value data processing platform;
When f, IC-card user swipe the card by bus, the bus IC card kind handled according to IC-card user carries out operation of withholing;
G, IC-card user remaining sum account surplus, can swipe the card by bus.Remove the worry of looking for recharge point from.
7. bus IC card method of network payment according to claim 6, is characterized in that, the use-pattern of described bus IC card adopts control mode in indefinite duration or limiting time section to use.
8. bus IC card method of network payment according to claim 6, is characterized in that, described bus IC card adopts the IC-card of real-name authentication to do handling of card loss, and the IC-card not doing real-name authentication can not handling of card loss.
9. bus IC card method of network payment according to claim 6, is characterized in that, described public transport company or bus IC card management company are set with the amount of consumption or the consumption number of times of limiting time to described bus IC card.
10. bus IC card method of network payment according to claim 6, it is characterized in that, after also comprising the bus IC card brushing card data that public transport load value data processing platform receives according to bus POS machine or website money machine after described step g, public transport load value data processing platform carries out remaining sum account to be reduced, freezes arrearage IC-card or IC-card operation is freezed in recovery.
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| CN105184970B (en) | 2018-09-04 |
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