CN106485492A - Credit payment method and apparatus based on transportation card - Google Patents
Credit payment method and apparatus based on transportation card Download PDFInfo
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- CN106485492A CN106485492A CN201610920632.9A CN201610920632A CN106485492A CN 106485492 A CN106485492 A CN 106485492A CN 201610920632 A CN201610920632 A CN 201610920632A CN 106485492 A CN106485492 A CN 106485492A
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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
- G06Q20/34—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
- G06Q20/349—Rechargeable cards
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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
- G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
- G06Q20/023—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP] the neutral party being a clearing house
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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
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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
- G06Q20/16—Payments settled via telecommunication systems
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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
- G06Q20/22—Payment schemes or models
- G06Q20/24—Credit schemes, i.e. "pay after"
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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
- G06Q20/322—Aspects of commerce using mobile devices [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
- G06Q20/327—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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Abstract
The invention discloses the credit payment method and apparatus based on transportation card, the method comprises the following specific steps that：S1, reception are derived from the consumption configuration information at intelligent movable end and are stored；The consumption information that S2, reception send from intelligent movable end, judges whether consumption information and consumption configuration information mate；S3, monthly billing information is generated according to all of consumption information in monthly closing entry time last time to this monthly closing entry time, and transaction of deducting fees is carried out according to monthly billing information and the communication of third party's credit system；S4, judge whether monthly billing information pays successfully.It is an advantage of the current invention that by transferring to the function of transportation card on intelligent sliding moved end, achieving in conjunction with third party's credit system and first consume the line of credit function of refunding afterwards, convenient popular mobile trip, meet various consumption demands.
Description
Technical field
The present invention relates to public transport and credit payment field, more particularly, to the credit payment method based on transportation card and dress
Put.
Background technology
The public transportation system in domestic city has its corresponding transportation card, can make in various public transportation systems
With, and Current traffic card adopts is all the payment mode using after post-pay paystation, that is, card user needs first to transportation card
Carry out pre- supplement with money, then could be consumed in the amount that it is supplemented with money；So when in transportation card, Sorry, your ticket has not enough value, user will not
Consumption can be continued, be unfavorable for that card user's trip requirements are expanded, have impact on the payment experience of the transportation card of user, reduce trip
Efficiency.
Content of the invention
In order to overcome the deficiencies in the prior art, an object of the present invention is to provide the credit payment side based on transportation card
Method, it enables transportation card and first consumes the line of credit function of refunding afterwards, meets popular mobile trip and consumption demand.
The second object of the present invention is to provide the credit payment device based on transportation card, and it enables transportation card and first consumes
The line of credit function of refunding afterwards, meets popular mobile trip and consumption demand.
An object of the present invention employs the following technical solutions realization：
Based on the credit payment method of transportation card, it is applied to the background server of the credit payment system based on transportation card
In, comprise the steps：
S1, reception are derived from the consumption configuration information at intelligent movable end and are stored；
S2, receive the consumption information sending from intelligent movable end, judge consumption information and consume configuration information whether
Join；If generating consumption feedback information and sending to intelligent movable end；Otherwise send consumption failure information to intelligent movable end；
When S3, current time are the monthly closing entry time, according to all of consumption in monthly closing entry time last time to this monthly closing entry time
Information generates monthly billing information, and carries out, according to monthly billing information and the communication of third party's credit system, transaction of deducting fees, execution
S4；
S4, judge whether monthly billing information pays successfully, be if it is to pay successfully by monthly billing information flag,
And the consumption information in monthly closing entry time last time to this monthly closing entry time is reset, otherwise send monthly closing entry failure information to intelligent movable
End.
Preferably, also comprising the steps before S1：
S01, the first user information from intelligent movable end for the reception, generate authorization message according to first user information concurrent
Deliver to intelligent movable end；
S02, the binding application information from intelligent movable end is sent to third party's credit system, so that third party's credit
System generates bundled feedback information according to binding application information；
S03, the bundled feedback information from third party's credit system is sent to intelligent movable end；
Preferably, it is further comprising the steps of after S2：
S21, the secondary checking user profile from intelligent movable end for the reception, judge secondary checking user profile and the first use
Whether family information mates；If execution step S22, otherwise lock this first user information；
S22, reception are derived from the new consumption configuration information at intelligent movable end and are stored, return to step S2.
Preferably, also comprising the steps after S02：
S51, reception report the loss application information from intelligent movable end, report the loss checking information according to reporting the loss application information generation
And send to intelligent movable end；So that user profile is reported the loss to background service according to reporting the loss checking information transmission in intelligent movable end
Device；
S52, reception report the loss user profile from what intelligent movable end sent, judge to report the loss user profile and first user letter
Whether breath mates；If being locked out this first user information and transmission unbinding information to third party's credit system；Otherwise send
Safety instruction information is to intelligent movable end.
Preferably, also comprising the steps after S02：
S61, the cancellation application information from intelligent movable end for the reception, obtain monthly closing entry time last time owning to current time
Consumption information and generate clearance bill information, according to clearance bill information and third party's credit system communication carry out friendship of deducting fees
Easily；
S62, judge clear bill information whether pay successfully, if it is send nullify feedback information to intelligent movable
End, and nullify this first user information；Otherwise send and nullify failure information to intelligent movable end.
The second object of the present invention employs the following technical solutions realization：
Based on the credit payment device of transportation card, it is applied to the background server of the credit payment system based on transportation card
In, including：
Consumption setup module, for receiving the consumption configuration information being derived from intelligent movable end and being stored；
Consumption judge module, for receiving the consumption information sending from intelligent movable end, judges consumption information and consumption
Whether configuration information mates；If generating consumption feedback information and sending to intelligent movable end；Otherwise send to consume and unsuccessfully believe
Cease to intelligent movable end；
Monthly closing entry module, during for current time for the monthly closing entry time, according in monthly closing entry time last time to this monthly closing entry time
All of consumption information generates monthly billing information, and is deducted fees according to monthly billing information and the communication of third party's credit system
Transaction；
Monthly closing entry judge module, for judging whether monthly billing information pays successfully, if it is by monthly billing information
It is labeled as paying successfully, and the consumption information in monthly closing entry time last time to this monthly closing entry time is reset, otherwise send monthly closing entry and lose
The information that loses is to intelligent movable end.
Preferably, also being included based on the credit payment device of transportation card：
Registering modules, for receiving the first user information from intelligent movable end, generate according to first user information and award
Power information simultaneously sends to intelligent movable end；
Binding module, for the binding application information from intelligent movable end is sent to third party's credit system, so that
Third party's credit system generates bundled feedback information according to binding application information；
Bundled feedback module, for sending the bundled feedback information from third party's credit system to intelligent movable end.
Preferably, also being included based on the credit payment device of transportation card：
Secondary authentication module, for receiving the secondary checking user profile from intelligent movable end, judges that secondary checking is used
Whether family information and first user information mate；If being carried out consuming again setup module, otherwise lock this first user letter
Breath；
Consume setup module again, for receiving the new consumption configuration information being derived from intelligent movable end and being stored,
Return consumption judge module.
Preferably, also being included based on the credit payment device of transportation card：
Report the loss module, for receive from intelligent movable end report the loss application information, according to report the loss application information generate hang
Lose checking information and send to intelligent movable end；So that user profile is reported the loss extremely according to reporting the loss checking information transmission in intelligent movable end
Background server；
Report the loss authentication module, report the loss user profile for receiving from what intelligent movable end sent, judge to report the loss user's letter
Whether breath and first user information mate；If being locked out this first user information and transmission unbinding information to third party's credit
System；Otherwise send safety instruction information to intelligent movable end.
Preferably, also being included based on the credit payment device of transportation card：
Cancellation module, for receiving the cancellation application information from intelligent movable end, obtains monthly closing entry time last time to current
The all of consumption information of time simultaneously generates clearance bill information, according to clearance bill information and third party's credit system communicate into
Capable transaction of deducting fees；
Nullify clearance module, for judging to clear whether bill information pays successfully, if it is send and nullify feedback letter
Cease to intelligent movable end, and nullify this first user information；Otherwise send and nullify failure information to intelligent movable end.
Compared to existing technology, the beneficial effects of the present invention is：By the function of transportation card is transferred to intelligent sliding moved end
On, changing the application model of tradition essence card, promoting the development of application model in traffic card line, thus effectively promoting
The fusion of online service under the line of transportation card；And achieve with reference to third party's credit system and first consume the line of credit refunded afterwards
Function, convenient popular mobile trip, meet various consumption demands.
Brief description
Fig. 1 is the module connection figure of the credit payment system based on transportation card of the present invention；
Fig. 2 is the flow chart one of the credit payment method based on transportation card of the present invention；
Fig. 3 is the flowchart 2 of the credit payment method based on transportation card of the present invention；
Fig. 4 is the flow chart 3 of the credit payment method based on transportation card of the present invention；
Fig. 5 is the flow chart four of the credit payment method based on transportation card of the present invention；
Fig. 6 is the flow chart five of the credit payment method based on transportation card of the present invention；
Fig. 7 is the module connection figure of the credit payment device based on transportation card of the present invention.
Specific embodiment
Below, in conjunction with accompanying drawing and specific embodiment, the present invention is described further：
Based on the credit payment system of transportation card, as shown in figure 1, including, intelligent movable end, background service system and the 3rd
Square credit system；Described intelligent sliding moved end can be but not limited to smart mobile phone, panel computer or intelligent watch etc., in this enforcement
In example, intelligent movable end is the smart mobile phone possessing NFC function；Third party's credit system includes business bank's system or Alipay
Third party's credit train of mechanism such as Semen Sesami credit etc.；Intelligent movable end is communicated with outside consumption terminal and is consumed.
Intelligent movable end is used for sending the application for registration information comprising first user information to background server, so that backstage
Server generates authorization message according to first user information and sends to intelligent sliding moved end.
Background server receive from intelligent movable end send binding application information, and will bind application information send to
Third party's credit system, so that third party's credit system generates bundled feedback information according to binding application information, and this is bound
Feedback information sends to background server.
Intelligent movable end sends consumption configuration information to background service according to the bundled feedback information from background server
Device.
Intelligent movable end is additionally operable to and outside consumption terminal is communicated, and sends consumption information to background server.
Whether background server judges consumption information according to consumption information and consumption configuration information and consumes configuration information
Joining, if generating consumption feedback information, and this consumption feedback information being sent to intelligent movable end；Otherwise send and consume unsuccessfully
Information is to intelligent movable end, so that intelligent movable end sends secondary checking user profile to background service according to consumption failure information
Device.
Background server obtains secondary checking user profile from intelligent movable end, judges secondary checking user profile and first
Whether user profile mates；If intelligent sliding moved end sends new consumption configuration information to background server, otherwise locking should
First user information.Lock this first user information, that is, this first user information cannot be carried out consumption operation.
When current time is the monthly closing entry time, background server is according to all in monthly closing entry time last time to this monthly closing entry time
Consumption information generate monthly billing information, and according to monthly billing information and third party's credit system communication carry out friendship of deducting fees
Easily.Background server judges whether monthly billing information pays successfully, if it is by monthly billing information flag for paying into
Work(, and the consumption information in monthly closing entry time last time to this monthly closing entry time is reset, otherwise lock this first user information.
Background server is additionally operable to receive reports the loss application information from what intelligent movable end sent, and according to reporting the loss letter of application
Cease generation and report the loss checking information, and this is reported the loss checking information and send to intelligent movable end.
User profile is reported the loss to background server according to the checking information transmission of reporting the loss receiving in intelligent movable end.
Background server judges to report the loss user profile and whether first user information mates；If being locked out this first user
Information and transmission unbind information to third party's credit system, make first user information and third party's user profile unbinding；
Otherwise send safety instruction information to intelligent movable end.
Background server is additionally operable to receive the cancellation application information sending from intelligent movable end, obtains monthly closing entry time last time
So far all of consumption information generates clearance bill information, and according to clearance bill information and third party's credit system communicate into
Capable transaction of deducting fees.Background server judges to clear whether bill information pays successfully, if it is sends and nullifies feedback information extremely
Intelligent movable end, and nullify this first user information；Otherwise send and nullify failure information to intelligent movable end.
Based on the credit payment method of transportation card, it is applied to the credit payment system based on transportation card, after being applied particularly to
Platform server, as shown in Figures 2 to 4, comprises the steps：
Step 101, background server receive the application for registration information sending from intelligent movable end, are believed according to first user
Breath generates authorization message and sends to intelligent movable end；Execution step 102；Application for registration information includes first user information, the
One user profile includes the information such as register account number and the log-in password of user.
User uses intelligent movable end to propose application for registration information, and the authorization message that platform server sends upon receipt
When, binding application information is proposed according to authorization message and sends to background server.
Step 102, background server receive the binding application information sending from intelligent movable end, and will bind letter of application
Breath sends to third party's credit system, so that third party's credit system generates bundled feedback information according to binding application information, and
This bundled feedback information is sent to background server；Complete third party's user profile and the binding of first user information, and obtain
Take the credit line information of third party's user profile.Binding application information includes third party's user profile, third party's user profile
Including user in the user profile of third party's credit system and user authentication information etc., execution step 103.
Step 103, background server receive the bundled feedback information from third party's credit system, and by this bundled feedback
Information sends to intelligent movable end；To point out user's binding success；Execution step 104.
Step 104, background server receive the consumption configuration information sending from intelligent movable end, and are stored；Disappear
Expense configuration information includes spending limit, limits consumption number of times, single spending limit and effective time etc., after succeeding in registration, uses
Family can by intelligent movable end setting consumption configuration information, to limit the amount that can consume daily at intelligent movable end, number of times,
The information such as time period.For example, consumption configuration information could be arranged to：Spending limit is to be less than 100 yuan in one day, limits consumption time
Number was less than 10 times for one day, and single spending limit is every and is less than 20 yuan, effective time is at 7 points in the morning to 6 pm.
Step 201, background server receive the consumption information sending from intelligent movable end, judge consumption information and consumption
Whether configuration information mates；If generating consumption feedback information, and this consumption feedback information is sent to intelligent movable end；No
Then send consumption failure information to intelligent movable end and execution step 202；Consumption information includes consumption time, spending amount and reality
Border consumption number of times；
Consumption information is the information that user is consumed by intelligent movable end, and for example, a consumption information includes：Consumption
Time is at 11 points in the morning, and spending amount is 7 yuan, and real consumption number of times is the 3rd time；Above consumption time, spending amount, actual disappear
Expense number of times all meets the setting of consumption configuration information, therefore this consumption information and consumption configuration information match.For example, another disappears
Charge information includes：Consumption time is at 5 points in afternoon, and spending amount is 5 yuan, and real consumption number of times is the 11st time；Due to real consumption
Number of times has exceeded restriction consumption number of times, and another consumption information and consumption configuration information mismatch；In addition, if consumption time or
Spending amount has exceeded in the range of the setting of consumption configuration information, and consumption information and consumption configuration information also mismatch.
Consumption failure information includes secondary checking information, and intelligent sliding moved end is used according to the secondary checking of secondary checking information input
Family information.
Step 202, background server receive the secondary checking user profile from intelligent movable end, judge that secondary checking is used
Whether family information and first user information mate；If execution step 203；Otherwise lock this first user information；
Step 203, background server receive the new consumption configuration information sending from intelligent movable end and are stored,
Return to step 201.If user needed the 11st consumption the same day, new consumption configuration information can be set, to realize user
Demand.
When step 301, current time are the monthly closing entry time, background server was according to monthly closing entry time last time to this monthly closing entry time
Interior all of consumption information generates monthly billing information, and is carried out according to monthly billing information and the communication of third party's credit system
Deduct fees transaction.
Step 302, background server judge whether monthly billing information pays successfully, if it is by monthly billing information
It is labeled as paying successfully, and the consumption information in monthly closing entry time last time to this monthly closing entry time is reset, otherwise send monthly closing entry and lose
The information that loses is to intelligent movable end, and locks this first user information.
Further, as shown in figure 5, also including step 401 and step 402 after step 102；
Step 401, background server receive and report the loss application information from what intelligent movable end sent, and according to reporting the loss application
Information generates and reports the loss checking information, and this is reported the loss checking information sends to intelligent movable end.
User reports the loss user profile according to the checking information input of reporting the loss that intelligent movable termination receives, and sends to backstage clothes
Business device.
Step 402, background server receive and report the loss user profile from what intelligent movable end sent, and judge to report the loss user
Whether information and first user information mate；If being locked out this first user information and sending the information that unbinds to third party's letter
With system, so that first user information and third party's user profile are unbinding；Otherwise send safety instruction information to mobile intelligence
Can end.
Further, as shown in fig. 6, also including step 501 and step 502 after step 102；
Step 501, background server receive the cancellation application information sending from intelligent movable end, when obtaining last time monthly closing entry
Between all of consumption information so far generate clearance bill information, and according to clearance bill information and the communication of third party's credit system
Carry out transaction of deducting fees.
Step 502, background server judge to clear whether bill information pays successfully, if it is send and nullify feedback letter
Cease to intelligent movable end, and nullify this first user information；Otherwise send and nullify failure information to intelligent movable end.
Based on the credit payment device of transportation card, it is applied to the background server of the credit payment system based on transportation card,
As shown in fig. 7, specifically including：
Registering modules, for receiving the application for registration information sending from intelligent movable end, give birth to according to first user information
Become authorization message and send to intelligent movable end；Execution binding module；Application for registration information includes first user information, the first use
Family information includes the information such as register account number and the log-in password of user.
User uses intelligent movable end to propose application for registration information, and the authorization message that platform server sends upon receipt
When, binding application information is proposed according to authorization message and sends to background server.
Binding module, is derived from, for receiving, the binding application information that intelligent movable end sends, and will bind application information and send out
Deliver to third party's credit system, so that third party's credit system generates bundled feedback information according to binding application information, and should
Bundled feedback information sends to background server；Complete third party's user profile and the binding of first user information.Binding application
Information includes third party's user profile, and third party's user profile includes user in the user profile of third party's credit system and user
Authentication information etc., executes bundled feedback module.
Bundled feedback module, for receiving the bundled feedback information from third party's credit system, and by this bundled feedback
Information sends to intelligent movable end；To point out user's binding success；Execution consumption setup module.
Consumption setup module, for receiving the consumption configuration information sending from intelligent movable end, and is stored；Consumption
Configuration information includes spending limit, limits consumption number of times, single spending limit and effective time etc., after succeeding in registration, user
Can by intelligent movable end setting consumption configuration information, to limit the amount that can consume daily at intelligent movable end, number of times, when
Between the information such as section.For example, consumption configuration information could be arranged to：Spending limit is to be less than 100 yuan in one day, limits consumption number of times
It was less than 10 times for one day, single spending limit is every and is less than 20 yuan, effective time is at 7 points in the morning to 6 pm.
Consumption judge module, for receiving the consumption information sending from intelligent movable end, judges consumption information and consumption
Whether configuration information mates；If generating consumption feedback information, and this consumption feedback information is sent to intelligent movable end；No
Then send consumption failure information to intelligent movable end, execute secondary authentication module；Consumption information includes consumption time, spending amount
With real consumption number of times；
Consumption information is the information that user is consumed by intelligent movable end, and for example, a consumption information includes：Consumption
Time is at 11 points in the morning, and spending amount is 7 yuan, and real consumption number of times is the 3rd time；Above consumption time, spending amount, actual disappear
Expense number of times all meets the setting of consumption configuration information, therefore this consumption information and consumption configuration information match.For example, another disappears
Charge information includes：Consumption time is at 5 points in afternoon, and spending amount is 5 yuan, and real consumption number of times is the 11st time；Due to real consumption
Number of times has exceeded restriction consumption number of times, and another consumption information and consumption configuration information mismatch；In addition, if consumption time or
Spending amount has exceeded in the range of the setting of consumption configuration information, and consumption information and consumption configuration information also mismatch.
Consumption failure information includes secondary checking information, and intelligent sliding moved end is used according to the secondary checking of secondary checking information input
Family information.
Secondary authentication module, for obtaining secondary checking user profile from intelligent movable end, judges secondary checking user's letter
Whether breath and first user information mate；If being carried out consuming again setup module；Otherwise lock this first user information；
Consume setup module again, for receiving the new consumption configuration information sending from intelligent movable end and being deposited
Storage, execution consumption judge module.
Monthly closing entry module, for when current time is for the monthly closing entry time, background server was according to monthly closing entry time last time to this
All of consumption information in the monthly closing entry time generates monthly billing information, and according to monthly billing information and third party's credit system
Communication carries out transaction of deducting fees.
Monthly closing entry judge module, for judging whether monthly billing information pays successfully, if it is by monthly billing information
It is labeled as paying successfully, and the consumption information in monthly closing entry time last time to this monthly closing entry time is reset, otherwise send monthly closing entry and lose
The information that loses is to intelligent movable end, and locks this first user information.
Further, also include reporting the loss module based on the credit payment device of transportation card and report the loss authentication module；
Report the loss module, report the loss application information for receiving from what intelligent movable end sent, and according to reporting the loss application information
Checking information is reported the loss in generation, and this is reported the loss checking information sends to intelligent movable end.
User reports the loss user profile according to the checking information input of reporting the loss that intelligent movable termination receives, and sends to backstage clothes
Business device.
Report the loss authentication module, report the loss user profile for receiving from what intelligent movable end sent, and judge to report the loss user
Whether information and first user information mate；If being locked out this first user information and sending the information that unbinds to third party's letter
With system, so that first user information and third party's user profile are unbinding；Otherwise send safety instruction information to mobile intelligence
Can end.
Further, cancellation module is also included based on the credit payment method of transportation card and nullify clearance module；
Cancellation module, for receiving the cancellation application information sending from intelligent movable end, and obtains monthly closing entry time last time
So far all of consumption information generates clearance bill information, and according to clearance bill information and third party's credit system communicate into
Capable transaction of deducting fees.
Nullify clearance module, for judging to clear whether bill information pays successfully, if it is send and nullify feedback letter
Cease to intelligent movable end, and nullify this first user information；Otherwise send and nullify failure information to intelligent movable end.
It will be apparent to those skilled in the art that can technical scheme as described above and design, make other various
Corresponding change and deformation, and all these change and deformation all should belong to the protection domain of the claims in the present invention
Within.
Claims (10)
1. the credit payment method based on transportation card, is applied in the background server based on the credit payment system of transportation card,
It is characterized in that, comprise the steps：
S1, reception are derived from the consumption configuration information at intelligent movable end and are stored；
The consumption information that S2, reception send from intelligent movable end, judges whether consumption information and consumption configuration information mate；As
Fruit is to generate consumption feedback information and send to intelligent movable end；Otherwise send consumption failure information to intelligent movable end；
When S3, current time are the monthly closing entry time, according to all of consumption information in monthly closing entry time last time to this monthly closing entry time
Generate monthly billing information, and transaction of deducting fees is carried out according to monthly billing information and the communication of third party's credit system, execute S4；
S4, judge whether monthly billing information pays successfully, be if it is to pay successfully by monthly billing information flag, and general
Consumption information in monthly closing entry time last time to this monthly closing entry time resets, and otherwise sends monthly closing entry failure information to intelligent movable end.
2. the credit payment method based on transportation card as claimed in claim 1 is it is characterised in that also include before S1 walking as follows
Suddenly：
S01, receive from intelligent movable end first user information, according to first user information generate authorization message and send to
Intelligent movable end；
S02, the binding application information from intelligent movable end is sent to third party's credit system, so that third party's credit system
Bundled feedback information is generated according to binding application information；
S03, the bundled feedback information from third party's credit system is sent to intelligent movable end.
3. the credit payment method based on transportation card as claimed in claim 2 is it is characterised in that also include following step after S2
Suddenly：
S21, the secondary checking user profile from intelligent movable end for the reception, judge secondary checking user profile and first user letter
Whether breath mates；If execution step S22, otherwise lock this first user information；
S22, reception are derived from the new consumption configuration information at intelligent movable end and are stored, return to step S2.
4. as claimed in claim 2 or claim 3 the credit payment method based on transportation card it is characterised in that also include after S02 as
Lower step：
S51, receive and report the loss application information from intelligent movable end, generate that to report the loss checking information concurrent according to reporting the loss application information
Deliver to intelligent movable end；So that user profile is reported the loss to background server according to reporting the loss checking information transmission in intelligent movable end；
S52, reception report the loss user profile from what intelligent movable end sent, judge to report the loss user profile and first user information is
No coupling；If being locked out this first user information and transmission unbinding information to third party's credit system；Otherwise send safety
Information is to intelligent movable end.
5. as claimed in claim 2 or claim 3 the credit payment method based on transportation card it is characterised in that also include after S02 as
Lower step：
S61, the cancellation application information from intelligent movable end for the reception, acquisition monthly closing entry time last time disappears to all of of current time
Charge information simultaneously generates clearance bill information, carries out, according to clearance bill information and the communication of third party's credit system, transaction of deducting fees；
S62, judge clear bill information whether pay successfully, if it is send nullify feedback information to intelligent movable end, and
Nullify this first user information；Otherwise send and nullify failure information to intelligent movable end.
6. the credit payment device based on transportation card, is applied in the background server based on the credit payment system of transportation card,
It is characterized in that, including：
Consumption setup module, for receiving the consumption configuration information being derived from intelligent movable end and being stored；
Consumption judge module, for receiving the consumption information sending from intelligent movable end, judges consumption information and consumption setting
Whether information mates；If generating consumption feedback information and sending to intelligent movable end；Otherwise send consumption failure information extremely
Intelligent movable end；
Monthly closing entry module, during for current time for the monthly closing entry time, according to all in monthly closing entry time last time to this monthly closing entry time
Consumption information generate monthly billing information, and according to monthly billing information and third party's credit system communication carry out friendship of deducting fees
Easily；
Monthly closing entry judge module, for judging whether monthly billing information pays successfully, if it is by monthly billing information flag
For paying successfully, and the consumption information in monthly closing entry time last time to this monthly closing entry time is reset, otherwise send monthly closing entry and unsuccessfully believe
Cease to intelligent movable end.
7. the credit payment device based on transportation card as claimed in claim 6 is it is characterised in that also include：
Registering modules, for receiving the first user information from intelligent movable end, generate according to first user information and authorize letter
Cease and send to intelligent movable end；
Binding module, for the binding application information from intelligent movable end is sent to third party's credit system, so that the 3rd
Square credit system generates bundled feedback information according to binding application information；
Bundled feedback module, for sending the bundled feedback information from third party's credit system to intelligent movable end.
8. the credit payment device based on transportation card as claimed in claim 7 is it is characterised in that also include：
Secondary authentication module, for receiving the secondary checking user profile from intelligent movable end, judges secondary checking user's letter
Whether breath and first user information mate；If being carried out consuming again setup module, otherwise lock this first user information；
Consume setup module again, for receiving the new consumption configuration information being derived from intelligent movable end and being stored, return
Consumption judge module.
9. the credit payment device based on transportation card as claimed in claim 7 or 8 is it is characterised in that also include：
Report the loss module, report the loss application information for receiving from intelligent movable end, report the loss and test according to reporting the loss application information and generating
Card information simultaneously sends to intelligent movable end；So that user profile is reported the loss to backstage according to reporting the loss checking information transmission in intelligent movable end
Server；
Report the loss authentication module, report the loss user profile for receiving from what intelligent movable end sent, judge to report the loss user profile and
Whether first user information mates；If being locked out this first user information and transmission unbinding information to third party's credit system
System；Otherwise send safety instruction information to intelligent movable end.
10. the credit payment device based on transportation card as claimed in claim 7 or 8 is it is characterised in that also include：
Cancellation module, for receiving the cancellation application information from intelligent movable end, obtains monthly closing entry time last time to current time
All of consumption information and generate clearance bill information, according to clearance bill information and third party's credit system communication detained
Take transaction；
Nullify clearance module, for judging to clear whether bill information pays successfully, if it is send and nullify feedback information extremely
Intelligent movable end, and nullify this first user information；Otherwise send and nullify failure information to intelligent movable end.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201610920632.9A CN106485492A (en) | 2016-10-21 | 2016-10-21 | Credit payment method and apparatus based on transportation card |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201610920632.9A CN106485492A (en) | 2016-10-21 | 2016-10-21 | Credit payment method and apparatus based on transportation card |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN106485492A true CN106485492A (en) | 2017-03-08 |
Family
ID=58270973
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201610920632.9A Pending CN106485492A (en) | 2016-10-21 | 2016-10-21 | Credit payment method and apparatus based on transportation card |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN106485492A (en) |
Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
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| CN108921547A (en) * | 2018-08-04 | 2018-11-30 | 韶关市英诺维科技设备有限公司 | A kind of payment application of the wearable device based on radio-frequency technique |
| CN112766953A (en) * | 2021-01-29 | 2021-05-07 | 国网河南省电力公司平顶山供电公司 | NFC-based electricity charge credit payment method and credit payment system |
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| CN101770665A (en) * | 2009-12-23 | 2010-07-07 | 潘铁军 | One-card system based on IC identification card |
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| CN108921547A (en) * | 2018-08-04 | 2018-11-30 | 韶关市英诺维科技设备有限公司 | A kind of payment application of the wearable device based on radio-frequency technique |
| CN112766953A (en) * | 2021-01-29 | 2021-05-07 | 国网河南省电力公司平顶山供电公司 | NFC-based electricity charge credit payment method and credit payment system |
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Application publication date: 20170308 |