CN105894272A - Bus instant payment method and payment, recharge and query system based on mobile phone APP - Google Patents
Bus instant payment method and payment, recharge and query system based on mobile phone APP Download PDFInfo
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- CN105894272A CN105894272A CN201610200161.4A CN201610200161A CN105894272A CN 105894272 A CN105894272 A CN 105894272A CN 201610200161 A CN201610200161 A CN 201610200161A CN 105894272 A CN105894272 A CN 105894272A
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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
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/327—Short range or proximity payments by means of M-devices
- G06Q20/3278—RFID or NFC payments by means of M-devices
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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
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/325—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks
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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
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4014—Identity check for transactions
- G06Q20/40145—Biometric identity checks
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- Accounting & Taxation (AREA)
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- General Physics & Mathematics (AREA)
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- Computer Networks & Wireless Communication (AREA)
- Computer Security & Cryptography (AREA)
- Finance (AREA)
- Devices For Checking Fares Or Tickets At Control Points (AREA)
Abstract
The invention provides a bus instant payment method and payment, recharge and query system based on a mobile phone APP. The method comprises the following steps of: collecting an instant fingerprint of an operator; opening or creating a user account corresponding to the fingerprint; receiving an account payment request; establishing instant communication between an NFC payment module and a bus vehicle-mounted card reader; uploading account information and card punching time, stations and a bus number to a background settlement system by the card reader in a wireless manner; combined with get-off station supplemented data and card reader data, calculating a fare by the background settlement system; returning the fare, the account time, the stations and the bus number to the APP; and calculating the deducted money again by the APP again, if the deducted money is consistent with the fare, deducting the money from a user balance, and if not, sending an error report to the background settlement system, and calculating the fare again. The bus instant payment method and payment, recharge and query system based on the mobile phone APP are high in safety, low in cost and simple and convenient, the cost problem caused by bus card manufacturing and recharge station establishment is avoided, bus network payment is thoroughly realized, and the card punching missing problem when a passenger gets off is solved for buses of segmented pricing routes.
Description
Technical field
The present invention relates to a kind of public transport safety real-time payment method based on mobile phone A PP and system.
Background technology
In daily life, take pubic transport and have become as the most welcome trip mode of one.Almost the mass transit card of staff one becomes one of essential items of Residents trip gradually.The mass transit card commonly used at present is that the collection storage account balance that separates with system, unique card number password, Recent Activity are recorded in radio-frequency card all over the body, but due to mass transit card loss, Sorry, your ticket has not enough value etc., and cause influence phenomenon by bus happens occasionally, if in card remaining sum know mode not convenient, need to supplement loss with money to particular station after report the loss the most in time and will face by people's probability stealing brush etc., it is meant that we need a kind of safer public transport means of payment easily.
Near-field communication (Near Field Communication, NFC) technology is to be developed by non-contact radio-frequency identification (RFID) and the Technology Integration that interconnects, combining induction card reader, vicarious card and point-to-point function on one chip, can be identified with compatible equipment in short distance and data exchange, universal in many popular mobile phone brands.It has with low cost, facilitate easy-to-use and safety high, make mobile phone be possibly realized for immediately exchanging data, smart media, electronic bill and the aspect such as payment and booking.On the other hand, fingerprint identification technology is one of higher identity authentication technology of current safety.The mode using fingerprint and account to bind can ensure the safety of account to greatest extent, even if changing mobile phone, the account of fingerprint locking also will not change.NFC technology and fingerprint identification technology are universal in most mobile phones, are two kinds and are subject to accreditation and the technology extensively used.
Summary of the invention
In order to realize safe, the transit riding mode of convenient payment, first purpose of the present invention be propose a kind of based on mobile phone A PP(Application) public transport real-time payment method.
Another object of the present invention is a kind of public transport pay down based on mobile phone A PP of proposition, supplements with money and inquiry system.
A kind of public transport real-time payment method based on mobile phone A PP of the present invention, step is as follows.
1. the instant finger print data of acquisition operations person carry out feature extraction.
The most beyond the clouds memorizer opened or create the user account the most corresponding with finger print data, accounts information is stored in information sub module stored.
3. the user that information processing submodule reception human-computer interaction module sends pays request.
4.
NFC data DIF (NFC Data Exchange Format, NDEF) the message password the most corresponding with accounts information is reached public transport vehicle-mounted card reader by point-to-point instant messaging by NFC payment module.
Time that the most public transport vehicle-mounted card reader by accounts information and is checked card, website, the wireless public transport high in the clouds processing module that is uploaded to of information such as train number are cleared.
6. the public transport high in the clouds processing module described in combines the debarkation stop that mobile phone A PP sends and mends and sign data and card reader data and calculate public traffic network of should having withholdd and pay, and step is as follows.
6.1 will deposit in the account various information memorizer beyond the clouds of public transport vehicle-mounted card reader.
The information of taking of pricing for segment circuit public transport in the 6.2 backstage system for settling account combing account, the detection account whether in the presence of station situation about omitting.
6.3 do not omit debarkation stop or flat fare public transport is then calculated fare by backstage system for settling account according to corresponding charge standard, and result and card reader data are all returned mobile phone A PP.
6.4 when debarkation stop exists and omits, and described backstage system for settling account carries out following operation.
(1) riding information of this train number in account is kept in memory.
(2) send benefit to the account and sign prompting, wait that the debarkation stop uploaded by mobile phone A PP mends label information.
(3) after receiving information, the riding information of this train number of completion.
(4) calculate fare according to corresponding charge standard, result and card reader data are all returned mobile phone A PP.
7. mobile phone A PP described in receives after the data of backstage system for settling account, and information processing submodule is transferred these data and carried out the secondary calculating to fare, and step is as follows.
Account various information from backstage system for settling account is sent into storage in information sub module stored by 7.1.
7.2 information processing submodules calculate fare according to the corresponding charge standard of public transport kind.
Corresponding to information sub module stored for result of calculation withholing is compared by 7.3, detects whether to exist the situation of backstage system for settling account mistake in computation.
If 7.4 comparison results are consistent, the account balance in mobile phone A PP is deducted corresponding fare.If comparison result is inconsistent, then sending error reporting to backstage system for settling account, backstage system for settling account recalculates fare, repeats aforesaid operations.
A kind of public transport pay down based on mobile phone A PP of the present invention, supplement with money and inquiry system, including mobile phone A PP operation module and public transport high in the clouds processing module.Mobile phone A PP module includes: fingerprint collecting and checking submodule, information processing submodule, man-machine interaction submodule, information sub module stored, online recharge submodule, inquiry into balance submodule, debarkation stop mend bamboo slips used for divination or drawing lots module, bus routes and arrive at a station status inquiry submodule and NFC payment submodule.Public transport high in the clouds processing module includes: high in the clouds memorizer and backstage system for settling account.
Described mobile phone A PP operation module and public transport high in the clouds processing module use wireless network to carry out communication.
Described debarkation stop is mended bamboo slips used for divination or drawing lots module and is substantially drafted debarkation stop by the location information and actual bus routes combining GPS locating module record, user finally confirm get-off stop.
Described NFC pays submodule and realizes instant messaging by the NDEF message password the most corresponding with accounts information and public transport vehicle-mounted card reader.
In described online recharge submodule, after again carrying out fingerprint authentication, just can carry out online payment.
Having whole accounts information in described high in the clouds memorizer, mobile phone A PP operation module realizes each generic operation by the way of downloading accounts information.
It is by being transferred to by accounts information in public transport vehicle-mounted card reader that described NFC pays the means of payment of submodule, further uploads to the system for settling account of backstage, carries out a kind of means of payment that network calculations is withholdd.
Described information processing submodule, after backstage system for settling account calculates fare, carries out calculating fare operation, in order to verify the correctness of fare again.
Advantage for present invention.
1. mend bamboo slips used for divination or drawing lots module owing to the present invention is provided with debarkation stop in APP operation module, can help to solve passenger's debarkation stop when taking pricing for segment circuit public transport and forget the problem causing economic loss of swiping the card.
2. the present invention has the novel login mode carrying out Account Logon with fingerprint identification technology, it is to avoid because mobile phone is lost or the stolen account loss caused of account.Further, when passenger forgets band mobile phone, other people mobile phone login account can be used and complete to pay, evade mass transit card loss and meant that the problem that cannot pay.
3. the present invention uses backstage system for settling account and information processing submodule to calculate the mode of fare respectively, prevents the mistake of withholing caused because of mistake in computation, it is ensured that the correctness that fare is withholdd.
4. the storage of accounts information and network high in the clouds is combined by the present invention, it is achieved that payment full networked, saves construction and supplements website with money, makes the expenses such as mass transit card, save resource, be convenient for carrying, pays simple.
5. the present invention uses NFC technology, and safety is high, and transmission speed is fast, and generally installs in the major part mobile phone of market, it is ensured that the safety of payment, instantaneity, convenience.
Accompanying drawing explanation
Fig. 1 collection based on mobile phone A PP instantaneous safety pays, supplements with money and inquire about the public transport Accounting system of integration.
Fig. 2 public transport safety based on mobile phone A PP real-time payment method.
Detailed description of the invention
Explain orally technical scheme the most in detail.
See Fig. 1, mobile phone A PP operation module and public transport high in the clouds processing module and carry out communication by wireless network.Wherein, mobile phone A PP operation module includes that fingerprint collecting and checking submodule, information processing submodule, man-machine interaction submodule, information sub module stored, online recharge submodule, inquiry into balance submodule, debarkation stop mend bamboo slips used for divination or drawing lots module, bus routes and arrive at a station status inquiry submodule and NFC payment submodule.When user opens mobile phone A PP, fingerprint collecting with checking submodule by the fingerprint collecting of user, extraction and with the information comparison in the memorizer of public transport high in the clouds, consistent user profile is downloaded to information sub module stored, and is verified signal to the transmission of information processing submodule；If memorizer cannot find corresponding account beyond the clouds, then send checking to information processing submodule and do not pass through signal.Information processing submodule receives checking not by after signal, passes on instruction to man-machine interactive system, enters accreditation process；It is verified signal if receiving, is then communicated into operating main interface instructions to man-machine interactive system.Bus routes can be carried out respectively according to user's request and the status inquiry that arrives at a station, inquiry into balance, debarkation stop mend the operations such as label, NFC payment, online recharge.
In order to ensure the property safety of user, online recharge submodule will send checking request to fingerprint collecting with checking submodule, in order to confirm user identity, can carry out network and supplement with money after being verified.
It is to be realized by the NFC chip of mobile phone that NFC pays submodule.When the payment of user asks to reach information processing submodule from man-machine interaction submodule, the NDEF message password of account uniquely correspondence is transferred into NFC and pays submodule, point-to-point instant messaging by mobile phone NFC chip Yu public transport vehicle-mounted NFC reader, message password is sent in card reader, interpreted in card reader.
Heretofore described debarkation stop mends bamboo slips used for divination or drawing lots module, each moment passenger position information GPS locator module sent and time combination of being ridden, after substantially drawing up traffic route, by user through confirming or sending to backstage system for settling account after amendment.
Public transport high in the clouds processing module is made up of backstage system for settling account and public transport company's high in the clouds memorizer submodule.Backstage system for settling account receive public transport vehicle-mounted card reader send comprise accounts information, station name, public transport train number and type, the message of the contents such as time of checking card and be deposited into public transport company's high in the clouds memorizer after, the information of taking of pricing for segment circuit public transport in the combing account, the detection account whether in the presence of station situation about omitting.Do not omit debarkation stop or flat fare public transport calculate fare according to corresponding charge standard and deducted；When debarkation stop exists and omits, send to mend to the account and sign prompting, wait that the benefit uploaded by APP signs station information；After receiving information, the riding information of this train number of completion also calculates fare according to corresponding charge standard and is deducted.Finally public transport withholdd result and the time of account, place, train number etc. is back in mobile phone A PP.
The information processing submodule of mobile phone A PP will withhold data deliver to information sub module stored storage；And it is the most correct again to calculate item inspection amount of withholing of should withholing；If correct, deduct user balance, if mistake, send error reporting to backstage system for settling account, backstage system for settling account re-start calculating.
Implementation method is further described below in conjunction with Fig. 2.
When mobile phone A PP is opened, immediately enter fingerprint logging program.The instant finger print data of fingerprint collecting and authentication module acquisition operations person after carrying out feature extraction, opens in memorizer beyond the clouds or creates the user account the most corresponding with finger print data, being stored in information sub module stored by accounts information.Detection is by rear, and APP enters the main operation page and waits user operation.When user clicks on payment services, information processing submodule receives the user of human-computer interaction module transmission and pays request, and NFC payment module is activated.When mobile phone is pressed close to public transport vehicle-mounted card reader by user, the NDEF message password the most corresponding with accounts information is reached public transport vehicle-mounted card reader by point-to-point instant messaging by mobile phone NFC.The accounts information of user and the time checked card, website, train number etc. are cleared through the wireless public transport high in the clouds processing module that is uploaded to of public transport vehicle-mounted card reader.
After public transport high in the clouds processing module will be deposited in the account various information memorizer beyond the clouds of public transport vehicle-mounted card reader, the information of taking of pricing for segment circuit public transport in the backstage system for settling account combing account, the detection account whether in the presence of station situation about omitting.If not omitting debarkation stop or flat fare public transport, then calculated fare by backstage system for settling account according to corresponding charge standard, result and card reader data are all returned mobile phone A PP；Omit if debarkation stop exists, the riding information of this train number in account is kept in by backstage system for settling account in memory, and send benefit label prompting to the account, after receiving the debarkation stop benefit label information uploaded by APP, the riding information of this train number of completion, finally calculate fare according to corresponding charge standard, result and card reader data are all returned mobile phone A PP.
Mobile phone A PP receives after the data of backstage system for settling account, the account various information from backstage system for settling account is sent in information sub module stored and stores, information processing submodule calculates fare according to the corresponding charge standard of public transport kind.Withholing identical if result of calculation is corresponding to information sub module stored, the account balance in APP is deducted corresponding fare；If comparison result is inconsistent, then sending error reporting to backstage system for settling account, backstage system for settling account recalculates fare, repeats aforesaid operations.
Claims (9)
1. a public transport real-time payment method based on mobile phone A PP, is characterized in that step is as follows:
(1) the instant finger print data of acquisition operations person carry out feature extraction；
(2) beyond the clouds the user account the most corresponding with finger print data is opened or created to memorizer, accounts information is stored in information sub module stored；
(3) user that information processing submodule reception human-computer interaction module sends pays request；
(4) the NDEF message password the most corresponding with accounts information is reached public transport vehicle-mounted card reader by point-to-point instant messaging by NFC payment module；
(5) public transport vehicle-mounted card reader by accounts information and is checked card time, website, Bus Schedules is wireless is uploaded to public transport high in the clouds processing module and clears；
(6) the public transport high in the clouds processing module described in combines the debarkation stop that mobile phone A PP sends and mends and sign data and card reader data and calculate public traffic network of should having withholdd and pay, and step is as follows:
(6.1) will deposit in the account various information memorizer beyond the clouds of public transport vehicle-mounted card reader；
(6.2) information of taking of pricing for segment circuit public transport in the backstage system for settling account combing account, the detection account whether in the presence of station situation about omitting；
(6.3) do not omit debarkation stop or flat fare public transport is then calculated fare by backstage system for settling account according to corresponding charge standard, result and card reader data are all returned mobile phone A PP；
(6.4) when debarkation stop exists and omits, described backstage system for settling account carries out following operation:
1) riding information of this train number in account is kept in memory；
2) send benefit to the account and sign prompting, wait that the debarkation stop uploaded by mobile phone A PP mends label information；
3) after receiving information, the riding information of this train number of completion；
4) calculate fare according to corresponding charge standard, result and card reader data are all returned mobile phone A PP；
(7) mobile phone A PP described in receives after the data of backstage system for settling account, and information processing submodule is transferred these data and carried out the secondary calculating to fare, and step is as follows:
(7.1) account various information from backstage system for settling account is sent into storage in information sub module stored；
(7.2) information processing submodule calculates fare according to the corresponding charge standard of public transport kind；
(7.3) corresponding to information sub module stored for result of calculation withholing is compared, detect whether to exist the situation of backstage system for settling account mistake in computation；
(7.4) if comparison result is consistent, the account balance in mobile phone A PP is deducted corresponding fare；If comparison result is inconsistent, then sending error reporting to backstage system for settling account, backstage system for settling account recalculates fare, repeats aforesaid operations.
2. public transport pay down based on mobile phone A PP, supplement with money and an inquiry system, it is characterized in that including mobile phone A PP operation module and public transport high in the clouds processing module；Mobile phone A PP module includes: fingerprint collecting and checking submodule, information processing submodule, man-machine interaction submodule, information sub module stored, online recharge submodule, inquiry into balance submodule, debarkation stop mend bamboo slips used for divination or drawing lots module, bus routes and arrive at a station status inquiry submodule and NFC payment submodule；Public transport high in the clouds processing module includes: high in the clouds memorizer and backstage system for settling account.
A kind of public transport pay down based on mobile phone A PP the most according to claim 2, supplement with money and inquiry system, it is characterized in that described mobile phone A PP operation module and public transport high in the clouds processing module use wireless network to carry out communication.
A kind of public transport pay down based on mobile phone A PP the most according to claim 2, supplement with money and inquiry system, it is characterized in that described debarkation stop is mended bamboo slips used for divination or drawing lots module and substantially drafted debarkation stop by the location information and actual bus routes combining GPS locating module record, user finally confirm get-off stop.
A kind of public transport pay down based on mobile phone A PP the most according to claim 2, supplement with money and inquiry system, it is characterized in that described NFC pays submodule and realizes instant messaging by the NDEF message password the most corresponding with accounts information and public transport vehicle-mounted card reader.
A kind of public transport pay down based on mobile phone A PP the most according to claim 2, supplement with money and inquiry system, it is characterized in that in described online recharge submodule, after again carrying out fingerprint authentication, just can carry out online payment.
A kind of public transport pay down based on mobile phone A PP the most according to claim 2, supplementing with money and inquiry system, it is characterized in that having in described high in the clouds memorizer whole accounts information, mobile phone A PP operation module realizes operation by the way of downloading accounts information.
A kind of public transport pay down based on mobile phone A PP the most according to claim 2, supplement with money and inquiry system, it is characterized in that the described NFC means of payment is by being transferred to by accounts information in public transport vehicle-mounted card reader, further upload to the system for settling account of backstage, carry out network calculations and withhold.
A kind of public transport pay down based on mobile phone A PP the most according to claim 2, supplement with money and inquiry system, it is characterized in that described information processing submodule is after backstage system for settling account calculates fare, again carry out calculating fare operation, in order to verify the correctness of fare.
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