CN107093074A - The ticket checking payment system and method for a kind of urban track traffic financial IC card - Google Patents
The ticket checking payment system and method for a kind of urban track traffic financial IC card Download PDFInfo
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- CN107093074A CN107093074A CN201710283505.7A CN201710283505A CN107093074A CN 107093074 A CN107093074 A CN 107093074A CN 201710283505 A CN201710283505 A CN 201710283505A CN 107093074 A CN107093074 A CN 107093074A
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- card
- financial
- ticket checking
- transaction data
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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
- G06Q20/352—Contactless payments by cards
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/14—Payment architectures specially adapted for billing systems
- G06Q20/145—Payments according to the detected use or quantity
-
- 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
-
- 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
- G06Q20/18—Payment architectures involving self-service terminals [SST], vending machines, kiosks or multimedia terminals
-
- 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"
-
- G—PHYSICS
- G07—CHECKING-DEVICES
- G07B—TICKET-ISSUING APPARATUS; FARE-REGISTERING APPARATUS; FRANKING APPARATUS
- G07B11/00—Apparatus for validating or cancelling issued tickets
Abstract
The invention discloses a kind of ticket checking payment system of urban track traffic financial IC card and method, including, for reading the card image of financial IC card and the ticket checking machine of generation transaction data, ride spending amount for being calculated according to transaction data and generate the sorting centring system of transaction record, request and transaction record are paid for being sent to CUPS systems, so that CUPS systems carry out the financial pre-processing system of networking payment according to transaction record and corresponding bank's background system.Financial IC card is applied to field of urban rail by the present invention, it is big using financial IC card circulation, the advantage of broad covered area, using the post-paid means of payment, avoid online real-time verification, transactions velocity is ensured, the national general of urban track traffic is realized, while greatly facilitating the demand of quickly riding of broad masses of the people.
Description
Technical field
The invention belongs to field of urban rail, and in particular to a kind of ticket checking of urban track traffic financial IC card is paid
System and method.
Background technology
Urban track traffic because its freight volume is big, comfortableness is high, pollute less, low power consumption and other advantages, be widely used in city
In communications and transportation, as quick, the safe and efficient urban public transport instrument of one kind.At present, the track in each domestic city is handed over
Logical company has all established more perfect AFC system, as shown in figure 1, the AFC system is mainly included clearly
Branch center system, circuit center system, station computing system, ticket checking machine and ticket card, wherein, ticket checking machine is handed over installed in city rail
In each station of logical circuit, for reading ticket card information to deduct fare, and transaction data is generated；Station computing system is used for
Collect the transaction data in each station；Circuit center system is used to collecting transaction data in same circuit, and by same line
Transaction data in road sends sorting centring system to；Sorting centring system is used to collect whole circuit automatic sellings in same city
The transaction data of ticket-checking system, and carry out between each bar circuit and data sorting and reconciliation with external system.Traditional automatic inspection
The public transport ticket that the one-way ticket, stored-value ticket or city bus of track traffic distribution are issued generally is used in bill system as the load of ticket card
Body, such ticket card stored value card containing small amount payment in itself, can carry out off-line small at the ticket checking machine of track traffic entry/exit station
Volume is deducted fees, and is met the large passenger flow of track traffic, quick out of the station is swiped the card.But such usual issue face of ticket card is narrow and circulation is few,
The ground of a city one is generally confined to, therefore, the ticket card of existing urban track traffic can not realize that many ground or the whole nation are general.
On the other hand, the financial IC card of all-bank distribution follows same Unionpay's standard, each bank's background system with
China Unionpay's bank card information exchange system (China Union Pay System, abbreviation CUPS system) is networked, unified
The sorting of consumption data is carried out, clears and transfers accounts, the achievable whole nation is general, its circulation is big, broad covered area.In addition, finance IC
Card distribution is based on system of real name, purchases house, purchases personal credits such as car, loan etc. based on financial credit, therefore financial IC card is credible
Degree is higher.But, financial IC card is generally free of small amount payment stored value card in itself, and its wallet account is deposited by each bank's background system
Storage.Therefore, when being consumed using financial IC card, it is necessary to consumption terminal POS is networked with CUPS systems first, CUPS
System is sent to each bank's background system pay request again, and then each bank's background system is returned by CUPS systems to POS again
Payment interface is returned, and is carried out after user's input key after line real-time verification, could complete to pay, its payment speed is slower,
The large passenger flow of urban track traffic, quick demand out of the station of swiping the card can not be met.
The content of the invention
In view of the above-mentioned problems, the ticket checking payment system and method for a kind of urban track traffic financial IC card of the present invention, can
Effectively solve to cause urban track traffic to check the problem of efficiency is low because of real-time verification, can preferably meet urban track traffic
Large passenger flow, quick demand of swiping the card out of the station.
In order to solve the above technical problems, a kind of ticket checking payment system of urban track traffic financial IC card of the present invention, bag
Self-service ticket selling and checking system, financial pre-processing system, CUPS systems and bank's background system are included, wherein, it is described self-service to sell ticket checking
System includes ticket checking machine and sorting centring system；Ticket checking machine, the card image for reading financial IC card, to generate number of deals
According to；The ticket checking machine is additionally operable to, according to the transaction data, open gate；Wherein, the transaction data is believed including the card
Breath and charge time, ticket checking machine type and the site identity provided by the ticket checking machine；The sorting centring system, for root
Calculated according to the transaction data and ride spending amount and generate transaction record, and at predetermined intervals to the preposition processing of finance
System sends the transaction record；Wherein, the transaction record includes the transaction data and the spending amount by bus；It is described
Financial pre-processing system, in the case where judging that the transaction record meets preset rules, being sent out to the CUPS systems
Payment request and the transaction record are sent, so that the CUPS systems are according to the transaction record and corresponding bank's background system
Carry out networking payment.
Compared with prior art, because financial IC card uses 13.56MHz cordless, handed over existing city rail
The way of contact led in self-service ticket selling and checking system between ticket card and ticket checking machine is identical, therefore directly can read finance by ticket checking machine
The card image of IC-card；Also, because the circulation of financial IC card is big, broad covered area the characteristics of so that when using financial IC card
As the self-service ticket selling and checking system of urban track traffic ticket card when, it is easy to accomplish more or the whole nation it is general.In addition, machine-readable when checking
Take after the card image of financial IC card, only generate transaction data, and transaction data is sent to the generation of sorting centring system
Transaction record, makes to send branch to CUPS systems by financial pre-processing system again after the default time of sorting centring system interval
Request and transaction record are paid, realizes that post-paid is paid so that ticket checking machine is after generation transaction data, it is possible to directly open a sluice gate to put
OK, it can effectively solve to cause urban track traffic to check the problem of efficiency is low because of real-time verification, can preferably meet city rail
The large passenger flow of road traffic, quick demand of swiping the card out of the station.
As the improvement of such scheme, the sorting centring system includes：Transaction data order module, for according to described
The transaction data is ranked up by charge time；Transaction data judge module, for judging the adjacent transaction data
Whether ticket checking machine type is sequentially enter the station ticket checking machine and outbound ticket checking machine；Computing module is consumed by bus, for described in adjacent
The ticket checking machine type of transaction data is sequentially when entering the station ticket checking machine and outbound ticket checking machine, according to the station of the adjacent transaction data
Point identification and charge time, calculate spending amount of riding；Otherwise by the corresponding transaction data and by bus, spending amount is distinguished
It is identified；Transaction record generation module, for according to the transaction data and the generation transaction record of spending amount by bus.
As the improvement of such scheme, the ticket checking machine includes：Information reading module, the card for reading financial IC card
Information；Transaction data generation module, for when the financial IC card meets preparatory condition, generating transaction data；Wherein, it is described
Preparatory condition include the financial IC card is judged to be true according to the card image, inquire the card image be not stored in it is pre-
If blacklist, and judge the financial IC card as savings IC-card or according to the card image according to the card image
Judge the financial IC card as not out of date credit IC-card.
In order to solve the above technical problems, the present invention also provides a kind of ticket checking payer of urban track traffic financial IC card
Method, including：Ticket checking machine reads the card image of financial IC card, to generate transaction data；Wherein, the transaction data includes described
Card image and the charge time provided by the ticket checking machine, ticket checking machine type and site identity；The ticket checking machine is in generation
After the transaction data, gate is opened；Sorting centring system calculates spending amount by bus according to the transaction data and generated
Transaction record；Wherein, the transaction record includes the transaction data and the spending amount by bus；Sorting centring system is with pre-
If time interval send the transaction record to financial pre-processing system；The financial pre-processing system is judging described
In the case that transaction record meets preset rules, sent to CUPS systems and pay request and the transaction record, so that described
CUPS systems carry out networking payment according to the transaction record with corresponding bank's background system.
Compared with prior art, because financial IC card uses 13.56MHz cordless, handed over existing city rail
The way of contact led in self-service ticket selling and checking system between ticket card and ticket checking machine is identical, therefore directly can read finance by ticket checking machine
The card image of IC-card；Also, because the circulation of financial IC card is big, broad covered area the characteristics of so that when using financial IC card
As the self-service ticket selling and checking system of urban track traffic ticket card when, it is easy to accomplish more or the whole nation it is general.In addition, machine-readable when checking
Take after the card image of financial IC card, only generate transaction data, real-time verification payment is not carried out to financial IC card, but will
Transaction data is sent to sorting centring system generation transaction record, makes after the default time of sorting centring system interval again by gold
Melt pre-processing system and send payment request and transaction record to CUPS systems, realize that post-paid is paid so that ticket checking machine is in life
Into after transaction data, it is possible to directly open a sluice gate to let pass, it can effectively solve to cause urban track traffic ticket checking effect because of real-time verification
The problem of rate is low, can preferably meet the large passenger flow of urban track traffic, quick demand of swiping the card out of the station.
As the improvement of such scheme, the sorting centring system calculates spending amount of riding according to the transaction data,
And generate transaction record and include：The transaction data is ranked up according to the charge time；Judge the adjacent transaction
Whether the ticket checking machine type of data is sequentially enter the station ticket checking machine and outbound ticket checking machine；If so, then according to the adjacent number of deals
According to site identity calculate ride spending amount；Otherwise, by the corresponding transaction data and by bus, spending amount is carried out respectively
Mark；According to the transaction data and the generation transaction record of spending amount by bus.
As the improvement of such scheme, the CUPS systems are entered according to the transaction record with corresponding bank's background system
Row networking payment includes：The CUPS systems send described pay to bank's background system and asked and the transaction record；
Bank's background system pays request and the transaction record according to described, is withholdd；Bank's background system is in button
After money success, generation, which is consumed, successfully to be recorded；Wherein, the successfully record of consuming includes the transaction record and Unionpay's transaction letter
Breath；Bank's background system sends described consume to the sorting centring system by the financial front-end system and successfully remembered
Record；The sorting centring system judge it is described consume that successfully record meets preparatory condition when, to the financial front-end system hair
Confirmation payment instruction is sent, so that bank's background system completes to pay within the default time.
As the improvement of such scheme, bank's background system pays request and the transaction record according to described, enters
After row is withholdd, in addition to：Bank's background system is after failure of withholing, generation consumption failure record and blacklist, and leads to
Cross the financial front-end system and send the consumption failure record and blacklist to the sorting centring system；Wherein, it is described to disappear
Taking failure record includes the transaction record, Unionpay's Transaction Information and failure of withholing mark；The sorting centring system obtains institute
Consumption failure record and the blacklist are stated, and the blacklist is sent to the ticket checking machine, so that the ticket checking machine is stored
To default blacklist.
As the improvement of such scheme, the ticket checking machine reads the card image of financial IC card, to generate transaction data package
Include：Ticket checking machine reads the card image of financial IC card；The ticket checking machine is when the financial IC card meets preparatory condition, and generation is handed over
Easy data；The preparatory condition includes judging the financial IC card according to the card image to be true, inquires the card letter
Breath is not stored in the default blacklist, and the financial IC card judged according to the card image as save IC-card or
Judge the financial IC card as not out of date credit IC-card according to the card image.
As the improvement of such scheme, the sorting centring system obtains the consumption failure record and the blacklist,
And send the blacklist to the ticket checking machine, in addition to：Bank's background system enters at predetermined intervals
Row is withholdd；When withholing successfully, then bank's background system generation supplement consumes successfully to record turns white list with black；Wherein,
Supplement, which consumes successfully record, includes corresponding card image and success flag of withholing；The black white list that turns is believed including corresponding card
Breath；Bank's background system sends the supplement to the sorting centring system and consumes successfully record and described black turn white name
It is single, so that the sorting centring system stores the supplement consumer record, and turn white list to ticket checking machine transmission is black, so that
Ticket checking machine deletes corresponding card image from blacklist.
Brief description of the drawings
Fig. 1 is the structural representation of traditional AFC system.
Fig. 2 is a kind of structural representation of the ticket checking payment system of urban track traffic financial IC card of the embodiment of the present invention 1
Figure.
Fig. 3 is the structural representation of the ticket checking machine in the embodiment of the present invention 1.
Fig. 4 is the structural representation of the sorting centring system in the embodiment of the present invention 1.
Fig. 5 is a kind of flow signal of the ticket checking method of payment of urban track traffic financial IC card of the embodiment of the present invention 2
Figure.
Fig. 6 is the schematic flow sheet of step S3 in the embodiment of the present invention 2.
Fig. 7 is the schematic flow sheet of step S1 in the embodiment of the present invention 2.
Fig. 8 is the schematic flow sheet of step S12 in the embodiment of the present invention 2.
Fig. 9 is a kind of flow signal of the ticket checking method of payment of urban track traffic financial IC card of the embodiment of the present invention 3
Figure.
Figure 10 is that the embodiment of the present invention 3 includes step S541 and step S542 schematic flow sheet.
Figure 11 is the use schematic diagram of the ticket checking payment system of urban track traffic financial IC card in the present invention.
Embodiment
Many details are elaborated in the following description to fully understand the present invention.But the present invention can be with
Much it is different from the other modes of this description to implement, those skilled in the art can be in the case of without prejudice to intension of the present invention
Similar popularization is done, therefore the present invention is not limited by following public specific embodiment.
Clear, complete description is carried out to technical scheme with reference to specific embodiments and the drawings.
Embodiment 1
As shown in Fig. 2 a kind of ticket checking payment system of urban track traffic financial IC card of the embodiment of the present invention 1 includes：
Self-service ticket selling and checking system 2, telecommunication path net 3, financial pre-processing system 4, CUPS systems 5 and bank's background system 6, wherein,
Self-service ticket selling and checking system 2 includes：Ticket checking machine 21, the card image for reading financial IC card 1, to generate transaction data；Wherein,
Transaction data includes the card image read and the ticket checking machine type, charge time and the website mark that are provided by ticket checking machine 21
Know, the type of ticket checking machine 21 includes enter the station ticket checking machine 21 and outbound ticket checking machine 21；Ticket checking machine 21 is additionally operable to, generation transaction data it
Afterwards, gate is opened；Station computing system 22, the transaction data is sent for receiving transaction data, and to circuit center system 23；
Circuit center system 23, for forwarding the transaction data to sorting centring system 24；Sorting centring system 24, for according to transaction
Data, which are calculated, rides spending amount and generates transaction record；Wherein, transaction record includes transaction data and by bus spending amount, clearly
Branch center system 24 is additionally operable to send transaction record to financial pre-processing system 4 at predetermined intervals, when this is default
Between the interval any time that can be track traffic company consult with Unionpay, such as 24h, one week or one month；Telecommunication path net
3, for sorting centring system 24 and financial pre-processing system 4 to be communicatively coupled；Financial pre-processing system 4, is used for
In the case where judging that transaction record meets preset rules, sent to CUPS systems 5 and pay request and transaction record, so that CUPS
System 5 carries out networking payment according to transaction record with corresponding bank's background system 6, wherein, preset rules include transaction record
Form it is correct.
In the embodiment of the present invention 1, due to cordless of the financial IC card 1 using 13.56MHz, with existing city rail
Ticket card in the self-service ticket selling and checking system of road traffic is identical with the communication frequency between ticket checking machine 21, therefore directly can pass through ticket checking machine
21 read the card image of financial IC card 1；Also, because the circulation of financial IC card 1 is big, broad covered area, unified using Unionpay
Standard, it is national general the characteristics of, all-bank financial IC card can be used for same AFC System of Urban Mass Transit, together
One financial IC card can be additionally used in different cities rail traffic ticket automatic selling and checking system, and each national urban track traffic is clear
Branch center system 24 can be communicatively coupled by telecommunication network 3 with financial pre-processing system 4 so that when using gold
Melt IC-card 1 as the self-service ticket selling and checking system of urban track traffic ticket card when, can multiple cities or the whole nation carry out ticket checking payment.
In addition, the means of payment of the present invention is fiduciary post-paid mode, i.e., ticket checking machine 21 reads the card image of financial IC card 1
Afterwards, transaction data only is generated after the validity of checking financial IC card, is deducted fees operation without online real-time interconnection, it is possible to directly
Connect and open a sluice gate to let pass, transaction data is then sent to sorting centring system 24 and generates transaction record, make between sorting centring system 24
Request and transaction record are paid every being sent again by financial pre-processing system 4 to CUPS systems 5 after the default time, after realization
Pay and pay.This means of payment can effectively solve to cause because of online real-time verification the financial IC card transaction time longer to ask
Topic, can preferably meet the large passenger flow of urban track traffic, quick demand of swiping the card out of the station.
Wherein, as shown in figure 3, ticket checking machine 21 includes：Information reading module 211, the card for reading financial IC card 1 is believed
Breath；Transaction data generation module 212, for when financial IC card 1 meets preparatory condition, generating transaction data；Wherein, bar is preset
Part includes judging financial IC card 1 according to card image to be true, inquires card image and is not stored in default blacklist, Yi Jigen
Judge that financial IC card 1 judges financial IC card 1 as not out of date credit as savings IC-card or according to card image according to card image
IC-card.Because ticket checking machine 21 can directly read the card image of financial IC card 1 by information reading module 211, therefore can be direct
Using financial IC card 1 as the ticket card in the self-service ticket selling and checking system of urban track traffic, realize that many ground or the whole nation are general；Also,
Ticket checking machine 21 is read by information reading module 211 after financial IC card 1, further according to transaction data generation module 212 to card
Information carries out the true and false of financial IC card 1, blacklist storage and financial Card Type and judged, whether quickly to determine the financial IC card 1
Effectively, whether can be used for checking, it is to avoid the online real-time verification of financial IC card tradition pays and causes the problem of transactions velocity is low, can
Effectively improve using financial IC card 1 as the ticket checking speed and efficiency during rail transportation ticket-card；Meanwhile, it is default according to ticket checking machine 21
Facility information, temporal information and the transaction data of the card image generation read, ensure the uniqueness of transaction data, it is convenient
Sorting centring system 24 is focused on to transaction data, and then the data basis paid as the post-paid of financial IC card 1.
Wherein, as shown in figure 4, sorting centring system 24 includes：Transaction data order module 241, for by same card number
Transaction data is ranked up by financial IC card by charge time；Transaction data judge module 242, for judging ordering transaction
In data, whether the ticket checking machine type of two adjacent transaction data is sequentially enter the station ticket checking machine and outbound ticket checking machine；Disappear by bus
Take computing module 243, be sequentially enter the station ticket checking machine 21 and outbound ticket checking for the type of ticket checking machine 21 in adjacent transaction data
During machine 21, spending amount of riding is calculated according to the site identity of adjacent transaction data and charge time；Otherwise, handed over corresponding
Easy data and spending amount is identified respectively by bus, wherein site identity, for identifying site information；Transaction record generates mould
Block 244, for according to transaction data and by bus spending amount generation transaction record.
In specific implementation process, sorting centring system 24 by transaction data order module 241 according to charge time and
The transaction data of financial IC card 1 is ranked up by card image, and judges by transaction data judge module 242 ordering friendship
In easy data, whether ticket checking machine type is sequentially enter the station ticket checking machine and outbound ticket checking machine in two adjacent transaction data, and
Ticket checking machine type is sequentially that when entering the station ticket checking machine and outbound ticket checking machine, computing module is consumed by bus in two adjacent transaction data
243 site identity and card using information in transaction data calculates the spending amount by bus of financial IC card 1；For example, general city
City's track traffic presses mileage calculation admission fee, more than rule using mileage fare system in limited time that is, in defined charge time interval
Then collect highest admission fee in fixed charge time interval；Otherwise, ticket checking machine type is not sequentially in two adjacent transaction data
Enter the station ticket checking machine and outbound ticket checking machine when, computing module 243 is consumed by bus, and spending amount divides by corresponding transaction data and by bus
It is not identified, to obtain default agreement spending amount；, for example, track traffic company consults unilateral transaction button with each bank
Take amount, supplement another if do not deducted fees, taking off average fare or taking off the agreement spending amount such as highest admission fee, and to unilateral transaction
Half special identifier data, for example, the transaction data only entered the station supplements outbound special identifier data, only outbound number of deals
Entered the station special identifier data according to supplement.Specifically, when the adjacent type of ticket checking machine 21 only enters the station ticket checking machine 21 or outbound ticket checking machine
When 21, then the transaction data that should match another with it and spending amount is individually identified as " 0 " by bus.Then, transaction note
Record generation module 244 spending amount generation transaction record according to transaction data and by bus, wherein, transaction record can also include handing over
The city codes that easily record generation module 244 is provided.
Embodiment 2
As shown in figure 5, a kind of ticket checking method of payment of urban track traffic financial IC card of the embodiment of the present invention 2, including：
S1, ticket checking machine read the card image of financial IC card, to generate transaction data；Wherein, card image includes finance
Logic card number, physics card number, surface card number and the card mark of IC-card, transaction data include the card image and by ticket checking machine
The ticket checking machine type of offer, charge time, site identity, ticket checking machine code, ticket checking machine terminal number, ticket checking machine swipe the card serial number and
Transaction ID number, ticket checking machine type includes enter the station ticket checking machine and outbound ticket checking machine；
S2, ticket checking machine open gate after generation transaction data；
S3, sorting centring system are calculated according to transaction data rides spending amount and generates transaction record；Wherein, transaction note
Record includes transaction data and by bus spending amount；
Wherein, as shown in fig. 6, step S3 is specifically included：
S31, according to charge time transaction data is ranked up；
S32, judge the ticket checking machine type of adjacent transaction data whether sequentially for ticket checking machine and the outbound ticket checking machine of entering the station；
If the ticket checking machine type of S331, adjacent transaction data is sequentially enter the station ticket checking machine and outbound ticket checking machine, basis
The site identity of adjacent transaction data calculates spending amount of riding；
S332, otherwise, spending amount is identified respectively by corresponding transaction data and by bus；
S34, according to transaction data and by bus spending amount generation transaction record.
In step S34, city codes that transaction record also includes being provided by sorting centring system, approach line, enter the station
Website, outbound routes, outbound website and subway organization code, wherein, subway organization code is used to make financial pre-processing system
The consumption in different industries or field is distinguished, for example, is distinguished with bus consumption, taxi consumption and other commercial consumptions；City generation
Code is used for the consumption for making financial pre-processing system distinguish different cities.
S4, sorting centring system send transaction record to financial pre-processing system at predetermined intervals；
S5, financial pre-processing system are sent in the case where judging that transaction record meets preset rules to CUPS systems
Request and transaction record are paid, so that CUPS systems carry out networking payment according to transaction record with corresponding bank's background system.
In the embodiment of the present invention 2, because financial IC card uses 13.56MHz cordless, with existing city rail
Communication frequency in the self-service ticket selling and checking system of traffic between ticket card and ticket checking machine is identical, therefore directly can read gold by ticket checking machine
Melt the card image of IC-card；Also, because the circulation of financial IC card is big, sought unity of standard using Unionpay, broad covered area, the whole nation are logical
With the characteristics of so that when using financial IC card as the self-service ticket selling and checking system of urban track traffic ticket card when, it is easy to accomplish it is many
Ground or national all-purpose card are used.In addition, the means of payment of the present invention is fiduciary post-paid mode, i.e., ticket checking machine reads finance
After the card image of IC-card, transaction data is generated after the legitimacy for only verifying financial IC card, without online real-time interconnection button
Take operation, it is possible to directly open a sluice gate to let pass, transaction data is then sent to sorting centring system generation transaction record, makes sorting
Sent again by financial pre-processing system to CUPS systems after the default time of centring system interval and pay request and transaction note
Record, realizes that post-paid is paid.This means of payment can effectively solve to cause the financial IC card transaction time because of online real-time verification
Longer the problem of, it can preferably meet the large passenger flow of urban track traffic, quick demand of swiping the card out of the station.
Wherein, as shown in fig. 7, step S1 includes：
S11, ticket checking machine read the card image of financial IC card；
S12, ticket checking machine generate transaction data when financial IC card meets preparatory condition；Wherein, preparatory condition includes basis
Card image judges financial IC card to be true, inquires card image and is not stored in default blacklist, and according to card image
Judge that financial IC card judges financial IC card as not out of date credit IC-card as savings IC-card or according to card image.
Because ticket checking machine can directly read the card image of financial IC card, therefore city directly can be used as using financial IC card
Ticket card in track traffic, realizes that many ground or all-pass are general；Also, ticket checking machine is believed after financial IC card is read, then to card
Breath carries out the true and false of financial IC card, blacklist storage and financial Card Type and judges that the above judges to use off-line mode, energy
It is enough quickly to judge whether the financial IC card can be used for checking, it is to avoid the online real-time verification of traditional financial IC-card pays and causes ticket checking
The slow-footed problem of efficiency, can be effectively improved using financial IC card as ticket checking speed during ticket card；Meanwhile, transaction data is by examining
Ticket machine is generated according to default facility information, temporal information and the card image read, is ensured the uniqueness of transaction, is easy to
Sorting centring system is focused on to transaction data, and then realizes that financial IC card is paid as the post-paid of ticket card.
Wherein, the step of ticket checking machine is judged financial IC card according to the card image read is as shown in figure 8, bag
Include：
S121, the type of card judged in card image are identified whether as financial IC card；Wherein, type of card mark is default
In card image；
If so, then jumping to step S123；Otherwise, step S122 is jumped to；
S122, identified according to type of card, carry out corresponding ticket checking processing；It is designated for example, working as type of card in ticket card
During one-way ticket, perform corresponding one-way ticket and judge flow；
S123, using FDDA (Fast Dynamic Data Authentication, quick Dynamic Data Authentication) algorithm
Offline data true and false judgement is carried out to card image；
If financial IC card is true, step S125 is jumped to；Otherwise, step S124 is performed；
Whether S125, inquiry card image are stored in default blacklist；
If so, then performing step S124；Otherwise, step S126 is jumped to；
S126, according to the financial type identification of default card in card image, judge finance IC financial type；
If financial IC card is savings IC-card, step S128 is performed；If financial IC card is credit IC-card, step is jumped to
S127；
S127, according to the default term of validity time in card image judge whether the credit IC-card is effective；
If so, then performing step S128；Otherwise, step S124 is performed；
S124, refusal transaction, ticket checking machine do not open gate；
S128, generation transaction data, ticket checking machine open gate；
Embodiment 3
As shown in figure 9, a kind of ticket checking method of payment of urban track traffic financial IC card of the embodiment of the present invention 3 includes step
Suddenly：
S1, ticket checking machine read the card image of financial IC card, to generate transaction data；Wherein, transaction data includes ticket checking
Machine type, charge time, site identity and the card image, ticket checking machine type include enter the station ticket checking machine and outbound ticket checking machine；
S2, ticket checking machine open gate after generation transaction data；
S3, sorting centring system are calculated according to transaction data rides spending amount and generates transaction record；Wherein, transaction note
Record includes transaction data and by bus spending amount；
S4, sorting centring system send transaction record to financial pre-processing system at predetermined intervals；
S51, financial pre-processing system are in the case where judging that the transaction record meets preset rules, to CUPS systems
Send and pay request and transaction record；
S52, CUPS system send to bank's background system and pay request and transaction record；
S53, bank's background system are withholdd according to request and transaction record is paid；
S54, bank's background system are after withholing successfully, and generation, which is consumed, successfully to be recorded；Wherein, consuming successfully record includes handing over
Easily record and Unionpay's Transaction Information, Unionpay's Transaction Information is included by trade company number of Ka Fang Unionpay, by Ka Fang Unionpay terminal number, by card side
Unionpay's terminal transaction serial number, by Ka Fang Unionpay transaction terminal batch number and clearance the time；
S55, bank's background system send to consume and successfully recorded by financial front-end system to sorting centring system；
S56, sorting centring system judge consume successfully record meet preparatory condition when, to financial front-end system send really
Payment instruction is recognized, so that bank's background system completes to pay within the default time；Wherein, preparatory condition includes consuming successfully remembering
Transaction record in record is identical with the transaction record quantity that sorting centring system is generated.
As shown in figure 9, in the embodiment of the present invention 3, asking and merchandising according to paying in step S53, bank's background system
Record, after being withholdd, in addition to：
S61, bank's background system are being withholdd unsuccessfully (for example, savings IC-card account amount of money deficiency, the consumption of credit IC-card account
Situations such as amount reaches the upper limit) after, generation consumption failure record and blacklist, and felt concerned about by financial front-end system into sorting
System sends consumption failure record and blacklist；Wherein, consumption failure record includes transaction record, Unionpay's Transaction Information and mistake of withholing
Lose mark；Blacklist is used for the card image for recording failure of withholing；
S62, bank's background system generate personal finance credit information according to consumption failure record；
S63, sorting centring system obtain consumption failure record and blacklist, and blacklist is sent to ticket checking machine, so that
Ticket checking machine is stored to default blacklist.
The embodiment of the present invention 3 is on the basis of the embodiment of the present invention 2, and increase bank background system is withholdd successfully and withholdd mistake
The judgement lost, to generate corresponding consumer record, can refine consumption recording information, be easy to staff and passenger to be inquired about；
Meanwhile, after failure of withholing, bank's background system is identified using failure mark is withholdd to corresponding consumption failure record,
And corresponding card image is obtained according to consumption failure record, and then blacklist is updated, and issued by sorting centring system
Come into force to ticket checking machine, then corresponding card will be limited function of riding, and realize the management for being checked to financial IC card and paying validity.
As shown in Figure 10, in the embodiment of the present invention 3, in order to realize the flexible management to the validity of financial IC card,
After step SS63, in addition to：
S64, bank's background system are withholdd at predetermined intervals；
S65, bank's background system successfully (for example, supplementing success of deducting fees with money after savings IC-card account amount of money is not enough, are believed withholing
Situations such as deducting fees successfully of being refunded after the upper limit is reached with IC-card account spending limit) in the case of, then generation supplement, which is consumed, successfully remembers
Record turns white list with black, while recovering personal finance credit；Wherein, supplement consume successfully record include corresponding card image with
Withhold success flag；The black white list that turns includes corresponding card image；
S66, supplement to ticket checking machine sent by financial front-end system and sorting centring system consume and successfully record and black turn
White list, so that sorting centring system storage supplement is consumed and successfully recorded, and turns white list to ticket checking machine transmission is black, so that ticket checking
Machine deletes corresponding card image from blacklist.
In step S66, when sorting centring system to ticket checking machine send it is black turn white list after, ticket checking machine is from then corresponding card
Function by bus will be resumed.
As shown in figure 11, it is used as with one A rows financial IC card of use in the ticket-checked device of urban track traffic
Example.
Passenger is entered the station in circuit N station A using A rows financial IC card 11 and operation of entering the station of swiping the card is carried out at ticket checking machine 213, now
Enter the station and the transaction data that enters the station of A rows financial IC card 11 is produced at ticket checking machine 213, and be uploaded to station A station computing system
221, via line N circuit center system 231 are uploaded to sorting centring system 24 and stored.
Passenger is got off to circuit M station B by bus, and hand-held A rows financial IC card 11 is swiped the card at the outbound ticket checking machines 214 of B AT STATION
Operation.Outbound transaction data is now produced at outbound ticket checking machine 214, and is uploaded to station B station computing system 222, warp
Road M circuit center system 232 is uploaded to sorting centring system 24 and stored.
Transaction data that 24 pairs of sorting centring system is generated when entering the station and it is outbound when the transaction data that generates collected simultaneously
Pairing, and site identity and time interval calculation in transaction data ride spending amount, so formed one it is complete
Financial IC card urban track traffic transaction record.Sorting centring system 24 is again sent out this transaction record by telecommunication network 3
Deliver to financial pre-processing system 4.
After financial pre-processing system 4 is checked this transaction record, the transaction record is sent to CUPS systems 5；
Online sent to corresponding A rows background system 61 of CUPS systems 5 pays request and transaction record；A rows background system 61, which is examined, to be handed over
The account of the A rows financial IC card 11 used after easy data are errorless passenger is withholdd, and is generated and consumed into after withholing successfully
Work(is recorded, then the consumption is successfully recorded into transmission to CUPS systems 5；The consumption is successfully recorded and is forwarded to finance by CUPS systems 5
This can be consumed successfully record and form consumer record file by pre-processing system 4, financial pre-processing system 4, the consumer record
File can be .TXT file formats；Financial pre-processing system 4 generation consumer record file after, by File Transfer Protocol or its
The consumer record file is sent to sorting centring system 24 by its communication mode, sorting centring system 24 it is examined it is errorless after, A
61 turns of row background system this time merchandises ticket fee account to track traffic company bank account, closing the transaction.
If the account of A rows financial IC card 11 that A rows background system 61 can not be used the passenger withhold operation (for example,
Save IC-card account amount of money not enough, situations such as credit IC-card account spending limit reaches the upper limit), then withhold unsuccessfully.A rows backstage system
System 61 will repeatedly be withholdd within the default time, be failed if repeatedly withholing, generation consumption failure record and blacklist,
And the consumption failure record and blacklist are sent to financial front-end system by CUPS systems 5；Financial pre-processing system 4 can be by
This consumption failure record formation consumption failure record file, and send consumption failure record file and black to sorting centring system 24
List, wherein, consumption failure record can be associated with personal finance credit；Sorting centring system 24 is by blacklist in the stipulated time
Interior to be issued to ticket checking machine by circuit center system and station computing system, then corresponding financial IC card will be swiped the card by bus by limitation
Function.Wherein, the consumption failed transactions are born a loss by track traffic with bank according to agreement.Meanwhile, A rows background system 61 will
Continue repeatedly to withhold to this financial IC card account, if deducting fees successfully (for example, supplementing button with money after savings IC-card account amount of money is not enough
Take successfully, credit IC-card account spending limit reaches situations such as being deducted fees successfully after refund after the upper limit), A rows background system 61 is then given birth to
Successfully record is consumed into supplement and the black white list that turns is sent to sorting centring system 24, sorting centring system 24 and A rows backstage system
System 61 is traded the operation of ticket fee account, and turns white list and be issued to enter the station ticket checking machine 213 and outbound ticket checking machine 214 is given birth to by black
Imitate, then A rows finance IC recovers function by bus of swiping the card, so as to realize the intelligent management to A row financial IC cards.
The above described is only a preferred embodiment of the present invention, any formal limitation not is done to the present invention, therefore
All contents without departing from technical solution of the present invention, the technical spirit according to the present invention any is simply repaiied to made for any of the above embodiments
Change, equivalent variations and modification, in the range of still falling within technical solution of the present invention.
Claims (9)
1. a kind of ticket checking payment system of urban track traffic financial IC card, it is characterised in that including self-service ticket selling and checking system, gold
Melt pre-processing system, CUPS systems and bank's background system, wherein,
The self-service ticket selling and checking system includes ticket checking machine and sorting centring system；Wherein,
The ticket checking machine, the card image for reading financial IC card, to generate transaction data；The ticket checking machine is additionally operable to basis
The transaction data, opens gate；Wherein, the transaction data includes the card image and provided by the ticket checking machine
Charge time, ticket checking machine type and site identity；
The sorting centring system, for calculating spending amount of riding according to the transaction data to generate transaction record, and with
Default time interval sends the transaction record to financial pre-processing system；Wherein, the transaction record includes described hand over
Easy data and the spending amount by bus；
The financial pre-processing system, in the case where judging that the transaction record meets preset rules, to described
CUPS systems, which are sent, pays request and the transaction record, so that the CUPS systems are according to the transaction record and corresponding silver
Row background system carries out networking payment.
2. the ticket checking payment system of urban track traffic financial IC card as claimed in claim 1, it is characterised in that the sorting
Centring system includes：
Transaction data order module, for being ranked up the transaction data according to the charge time；
Transaction data judge module, for judging the ticket checking machine type of the adjacent transaction data whether sequentially for ticket checking of entering the station
Machine and outbound ticket checking machine；
Computing module is consumed by bus, sequentially ticket checking machine and is gone out to enter the station for the ticket checking machine type in the adjacent transaction data
Stand ticket checking machine when, according to the site identity of the adjacent transaction data and charge time, calculate spending amount of riding；Otherwise will
The corresponding transaction data and spending amount is identified respectively by bus；
Transaction record generation module, for according to the transaction data and the generation transaction record of spending amount by bus.
3. the ticket checking payment system of urban track traffic financial IC card as claimed in claim 1, it is characterised in that the ticket checking
Machine includes：
Information reading module, the card image for reading financial IC card；
Transaction data generation module, for when the financial IC card meets preparatory condition, generating transaction data；Wherein, it is described
Preparatory condition include the financial IC card is judged to be true according to the card image, inquire the card image be not stored in it is pre-
If blacklist, and judge the financial IC card as savings IC-card or according to the card image according to the card image
Judge the financial IC card as not out of date credit IC-card.
4. a kind of ticket checking method of payment of urban track traffic financial IC card, it is characterised in that including：
Ticket checking machine reads the card image of financial IC card, to generate transaction data；Wherein, the transaction data includes the card
Information and the charge time provided by the ticket checking machine, ticket checking machine type and site identity；
The ticket checking machine opens gate after the transaction data is generated；
Sorting centring system is calculated according to the transaction data rides spending amount and generates transaction record；Wherein, the transaction
Record includes the transaction data and the spending amount by bus；
Sorting centring system sends the transaction record to financial pre-processing system at predetermined intervals；
The financial pre-processing system is sent in the case where judging that the transaction record meets preset rules to CUPS systems
Request and the transaction record are paid, so that the CUPS systems are entered according to the transaction record with corresponding bank's background system
Row networking is paid.
5. the ticket checking method of payment of urban track traffic financial IC card as claimed in claim 4, it is characterised in that the sorting
Centring system calculates spending amount of riding according to the transaction data, and generates transaction record and include：
The transaction data is ranked up according to the charge time；
Judge the ticket checking machine type of the adjacent transaction data whether sequentially for ticket checking machine and the outbound ticket checking machine of entering the station；
If so, then calculating spending amount of riding according to the site identity of the adjacent transaction data；Otherwise, will be corresponding described
Transaction data and spending amount is identified respectively by bus；
According to the transaction data and the generation transaction record of spending amount by bus.
6. the ticket checking method of payment of urban track traffic financial IC card as claimed in claim 4, it is characterised in that the CUPS
System carries out networking payment according to the transaction record and corresponding bank's background system to be included：
The CUPS systems send described pay to bank's background system and asked and the transaction record；
Bank's background system pays request and the transaction record according to described, is withholdd；
Bank's background system is after withholing successfully, and generation, which is consumed, successfully to be recorded；Wherein, the successfully record of consuming includes institute
State transaction record and Unionpay's Transaction Information；
Bank's background system sends described consume to the sorting centring system by the financial front-end system and successfully remembered
Record；
The sorting centring system judge it is described consume that successfully record meets preparatory condition when, to the financial front-end system hair
Confirmation payment instruction is sent, so that bank's background system completes to pay within the default time.
7. the ticket checking method of payment of urban track traffic financial IC card as claimed in claim 6, it is characterised in that the bank
Background system pays request and the transaction record according to described, after being withholdd, in addition to：
Bank's background system is after failure of withholing, generation consumption failure record and blacklist, and preposition by the finance
System sends the consumption failure record and blacklist to the sorting centring system；Wherein, the consumption failure record includes
The transaction record, Unionpay's Transaction Information and failure of withholing mark；
The sorting centring system obtains the consumption failure record and the blacklist, and the blacklist is sent to described
Ticket checking machine, so that the ticket checking machine is stored to default blacklist.
8. the ticket checking method of payment of urban track traffic financial IC card as claimed in claim 7, it is characterised in that the ticket checking
The machine-readable card image for taking financial IC card, is included with generating transaction data：
Ticket checking machine reads the card image of financial IC card；
The ticket checking machine generates transaction data when the financial IC card meets preparatory condition；The preparatory condition includes basis
The card image judges the financial IC card to be true, inquires the card image and is not stored in the default blacklist,
And judge that the financial IC card judges the gold as savings IC-card or according to the card image according to the card image
Melt IC-card for not out of date credit IC-card.
9. the ticket checking method of payment of urban track traffic financial IC card as claimed in claim 7, it is characterised in that the sorting
Centring system obtains the consumption failure record and the blacklist, and the blacklist is sent to the ticket checking machine,
Also include：
Bank's background system is withholdd at predetermined intervals；
When withholing successfully, then bank's background system generation supplement consumes successfully to record turns white list with black；Wherein, supplement
Consuming successfully record includes corresponding card image and success flag of withholing；The black white list that turns includes corresponding card image；
Bank's background system sends the supplement to the sorting centring system and consumes successfully record and described black turn white name
It is single, so that the sorting centring system stores the supplement consumer record, and turn white list to ticket checking machine transmission is black, so that
Ticket checking machine deletes corresponding card image from blacklist.
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