CN109598502A - A kind of bus card settlement of transactions management system and its method - Google Patents
A kind of bus card settlement of transactions management system and its method Download PDFInfo
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- CN109598502A CN109598502A CN201811438579.4A CN201811438579A CN109598502A CN 109598502 A CN109598502 A CN 109598502A CN 201811438579 A CN201811438579 A CN 201811438579A CN 109598502 A CN109598502 A CN 109598502A
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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
- G06Q20/341—Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
- G06Q20/3415—Cards acting autonomously as pay-media
-
- 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
- G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
- G06Q20/363—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes with the personal data of a user
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
-
- 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
- G06Q30/00—Commerce
- G06Q30/06—Buying, selling or leasing transactions
- G06Q30/0601—Electronic shopping [e-shopping]
- G06Q30/0633—Lists, e.g. purchase orders, compilation or processing
- G06Q30/0635—Processing of requisition or of purchase orders
Abstract
Technical solution of the present invention includes a kind of bus card settlement of transactions management system and its method, for realizing: including car-mounted terminal, payment medium and backstage transaction system, car-mounted terminal reads payment medium, it is first retrieved in grey black list, then receives and sends transaction request to backstage transaction system, create order, settlement system is according to trade order content, it modifies to account balance, and sends list more new command to card management system, updated list data is sent to car-mounted terminal.The invention has the benefit that eliminating the worry that traditional bus card is supplemented with money, the problems such as user can be completed the remaining sum and trading situation by bus for supplementing and recognizing in real time that bus card correspond to online account with money by the application of the mobile phones mobile terminal such as cell phone application, public platform or small routine, and grey black name single-unit reduces inconvenience and holder caused by subscriber card loses bring loss, Sorry, your ticket has not enough value in card and bus card type mismatch.
Description
Technical field
The present invention relates to a kind of bus card settlement of transactions management system and its methods, belong to technical field of Internet information.
Background technique
Whole nation bus IC card adds up issued volume up to 9.3 hundred million at present, covers 800,000,000 or more populations, is widely used in public transport and goes out
Row, gate inhibition, scenic spot tourism, public utilities payment, authentication, ferry, settlement, cinema, small-sized quotient is super, stops and receives
Take, multiple scenes such as public bicycles, covers the every aspect of life, nearly 6.8 hundred million person-times of daily trading volume.It may be said that bus IC card
Appearance, solve the problems, such as the small amounts scene cash such as bus trip and be lined up, the contribution " performing meritorious deeds never to be obliterated " of bus IC card, greatly
It solves many social concerns and improves social running efficiency.
But the transaction (i.e. cCredit card payment) of bus IC card is based on the off line stored value card in the chip of card end, user at present
Needing to be supplemented with money (or load) to the stored value card in bus IC card could use, that is, user using bus IC card into
Before row cCredit card payment, it is necessary to supplemented with money by supplementing channel (usually lower customer service site or the artificial site of agency online) with money (or
Load) in certain fund to card.So cCredit card payment is very convenient convenient, the deep welcome by numerous people, but supplement with money
This difficult pain spot deep difficult city Tong Ka company and user again.
The technical standard of bus IC card is exactly to formulate in 2G cybertimes at that time at present, is imperfect in network condition
It is formulated under background, and current network comes into 4G epoch either network speed also network stabilization and is all very significantly improved,
And public transport vehicle-mounted charge machine terminal also realizes real-time interconnection function substantially, it is therefore necessary to and have ready conditions to current mode of doing business
It is innovated with system, promotes user experience.
Existing public transport card paying system is primarily present several disadvantages,
1) it is realized for remaining sum and the payment flow completion of payment based on bus card itself, process of exchange complexity consumption
When；
2) user, which recharges into card, at least needs two steps to complete payment and then complete to write card again；
3) backstage account balance and transaction record inquiry will lead to inaccuracy, are easy since the lag of transaction data uploads
Causing user to misread causes to complain；
4) remaining sum and transaction record inquiry need special equipment just to can be carried out in blocking.
Summary of the invention
To solve the above problems, the purpose of the present invention is to provide a kind of friendship card settlement of transactions management system, including it is vehicle-mounted
Terminal, payment medium and backstage transaction system, car-mounted terminal read payment medium, are first retrieved in grey black list, so
Backward backstage transaction system receives and sends transaction request, creates order, settlement system according to trade order content, to account balance into
Row modification, and list more new command is sent to card management system, updated list data is sent to car-mounted terminal.
On the one hand technical solution used by the present invention solves the problems, such as it is: a kind of bus card settlement of transactions management system,
Including car-mounted terminal, payment medium and backstage transaction system, it is characterised in that: the car-mounted terminal be used for payment medium into
Row identifies and does legitimate verification, and the corresponding informance that will acquire is sent to backstage transaction system, and receives the information after feedback, right
The user of grey black list issues corresponding notice；The backstage transaction system is used to establish communication connection, bus card with car-mounted terminal
With holder's identity information storage and management, management of balance is supplemented in transaction with money, and application risk control method simultaneously carries out grey black to user
Name menu manager；The payment medium carries out data interaction for storing public transport card information, and in backstage transaction system, executes public transport
The management function of card reads corresponding informance for car-mounted terminal.
Further, the payment medium is mobile terminal and/or bus card.
Further, the mobile terminal includes: communication network module, for sending access request to backstage transaction system
Data interaction is carried out, corresponding storage information is inquired；NFC module reads corresponding informance for car-mounted terminal for simulating bus card.
Further, the car-mounted terminal includes: communication module, for carrying out data interaction with backstage transaction system, is obtained
Take the account information including list information；NFC read module, for obtaining the corresponding informance of payment media storage；Notice
Display module according to the corresponding notice of the delivering of list memory module feedback and is shown on external display screen；List storage
Module is retrieved for receiving the list data of backstage transaction system transmission, and according to the information that NFC read module is read,
Corresponding notice is sent to notice display module according to search result.
Further, the backstage transaction system includes: settlement system, and for executing risk management and control, account balance judges,
And account balance is reduced and is increased；Quasi real time consumption transaction system, for executing trade order processing and to the identity of account
Verifying；Card management system carries out additions and deletions management and the additions and deletions management of grey black list to bus card and corresponding account.
Further, the settlement system includes: account management module, for being issued according to quasi real time consumption transaction system
Instruction, to the remaining sum of destiny account change manage and change operation information is sent to air control module；Air control activates mould
Block, change operation information, is sent to card management system to the instruction of account risk assessment for execution based on the received.
Further, the quasi real time consumption transaction system includes: authentication module, is situated between for receiving car-mounted terminal and payment
The account information that matter is sent, compares verifying with the account information stored in card management system；Order creation module is used for
It receives the request sent and creates corresponding order, generate designated order and send it to settlement system.
Further, the card management system includes: database, and the bus card for storing account information, binding is believed
List data is sent to car-mounted terminal when list data updates by breath and list data；Air control module is used for root
According to preset air control strategy, according to account balance and account status, account is piped off or gray list；Account editor's mould
Block for additions and deletions account in the database and modifies account information.
On the other hand technical solution used by the present invention solves the problems, such as it is: a kind of bus card settlement of transactions manager
Method, which comprises the following steps: car-mounted terminal reads payment medium, obtains the account information of storage；By account information
It is retrieved with the blacklist prestored in car-mounted terminal, if not retrieving corresponding informance, sends the transaction including account information
It requests to backstage transaction system, otherwise issues the notice that can not be traded and the results are shown on external display screen；It trades on backstage
After system receives transaction request, account information is verified by authentication module, is verified then to be created by order creation module and trade
Otherwise order does not execute operation；Settlement system modifies to account balance according to trade order content, and to card management
System sends list more new command；Card management system traverses stored account information, and remaining sum is lower than to the account of threshold value
Family is included in gray list, the account of account status exception is piped off, and updated list data is sent to vehicle-mounted end
End, wherein threshold value can customize setting.
Further, further comprising the steps of: to connect backstage transaction system using the mobile terminal in payment medium, send
Open account request；Backstage transaction system acquisition request increases an account information newly, and by user's real name information and public transport card number
It is bound；Backstage transaction system receives inquiry request, and account information is sent to mobile terminal；Backstage transaction system, which receives, hangs
Request is lost, corresponding account is piped off；Backstage transaction system receives recharging payment request, is created using order creation module
Corresponding order is built, is modified to account balance.
The beneficial effects of the present invention are: eliminating the worry that traditional bus card is supplemented with money, user passes through cell phone application, public platform
Or the application of the mobile phones such as small routine mobile terminal can be completed and supplement and recognize in real time that bus card corresponds to the remaining sum of online account and multiplies with money
Vehicle trading situation, grey black name single-unit reduce subscriber card lose it is inconvenient caused by Sorry, your ticket has not enough value in bring loss and card.
Detailed description of the invention
Fig. 1 show the system module block diagram of preferred embodiment according to the present invention；
Fig. 2 show the method flow schematic diagram of preferred embodiment according to the present invention；
Fig. 3 show preferred embodiment one according to the present invention；
Fig. 4 show preferred embodiment two according to the present invention；
Fig. 5 show preferred embodiment three according to the present invention；
Fig. 6 show preferred embodiment four according to the present invention.
Specific embodiment
It is carried out below with reference to technical effect of the embodiment and attached drawing to design of the invention, specific structure and generation clear
Chu, complete description, to be completely understood by the purpose of the present invention, scheme and effect.
It should be noted that unless otherwise specified, the descriptions such as upper and lower, left and right used in the disclosure are only opposite
In attached drawing for the mutual alignment relation of each component part of the disclosure." the one of used singular in the disclosure
Kind ", " described " and "the" are also intended to including most forms, unless the context clearly indicates other meaning.In addition, unless otherwise
Definition, all technical and scientific terms used herein and the normally understood meaning phase of those skilled in the art
Together.Term used in the description is intended merely to description specific embodiment herein, is not intended to be limiting of the invention.
The use of provided in this article any and all example or exemplary language (" such as ", " such as ") is intended merely to more
Illustrate the embodiment of the present invention well, and unless the context requires otherwise, otherwise the scope of the present invention will not be applied and be limited.
Bus IC card: a kind of contactless integrated circuit card has the function of Stored Value wallet, Jie for e-payment of riding
Matter；
Public transport payment devices: a kind of Intelligent vehicle-mounted terminal equipment, by with bus IC card secure interactive, realize public transport branch
It pays；
Data monitoring device on bus: with public transport payment devices；
Quasi real time: relatively in real time for, refer to and incident real time handed over slightly to lag or postpone relatively；
Quasi real time trade: between a kind of online mode of doing business between off line, i.e. off-line mode first accepts transaction, then
Transaction is pushed to background system after in due course delay and carries out completion transaction of withholing；
Off line payment terminal: refer to the public transport payment terminal equipment for not connecting network specifically；
Online payment terminal: the public transport payment terminal equipment of the ability with connected networks.
It show the system module block diagram of preferred embodiment according to the present invention referring to Fig.1, system includes three parts, vehicle-mounted
Terminal, payment medium and backstage transaction system:
The mobile terminals such as medium such as bus card and mobile phone are paid, for storing public transport card information, and in backstage transaction system
Data interaction is carried out, the management function of bus card is executed, reads corresponding informance for car-mounted terminal.
It for the mobile terminal in payment medium, takes the mobile phone as an example, has at least communication network module and NFC module, use
Data interaction is carried out in sending access request to backstage transaction system, inquires corresponding storage information；NFC module, for simulating public affairs
Card is handed over to read corresponding informance for car-mounted terminal.Hardware aspect, the mobile phone with NFC function play the role of card reader, are similar to
The card reader (can card reading inquiry validity, the information such as remaining sum, can also write card and supplement with money) of bus card recharge point；Software aspects, hand
Machine application software is equivalent to bus card management system software, supports the functions such as to inquire card information, Transaction Information and supplement with money.NFC
(Near Field Communication, wireless near field communication) is the type promoted mainly by Philips, NOKIA and Sony
It is similar to the short-distance wireless communication technology standard of RFID (non-contact radio-frequency identification), supports bidirectional recognition and connection.10~
13.56MHz frequency range is worked in 20cm distance.The simulation of NFC technique support card, P2P, card reader Three models.NFC technique
Introducing, enhance characteristic of the mobile phone as life tool, enrich the usage scenario of mobile phone.1) card mold simulation models: simulation one
Zhang Ka is used in non-contact mobile payment, such as market, traffic application, such as gate inhibition's control, ticket, admission ticket, bank card, friendship
Logical card etc..
Car-mounted terminal is used to be identified and be done legitimate verification to payment medium, after the corresponding informance that will acquire is sent to
Platform transaction system, and the information after feedback is received, corresponding notice is issued to the user of grey black list；With non-contact IC card public transport
For management system, non-contact IC card public transportation management system is mainly by managing main frame, vehicle-mounted regulated power supply, card sender, public transport
Money machine (the vehicle-mounted POS/hand-held pos machine), infrared data's acquisition device, non-contact IC card, the system management software, USB turn
The composition such as RS232 connecting line and other peripheral equipments.
The hardware components of NFC are simultaneously uncomplicated, by CLF (non-to connect front-end module), radio-frequency antenna, SE (safety zone) three parts
It constitutes.It only reads bus card and supplements with money, CLF+ antenna is with regard to much of that；If also wanting that mobile phone App is made into electronic public card (supports
Aerial hair fastener and space transference), then also needing the part SE.
Backstage transaction system is used to establish communication connection, bus card and the storage of holder's identity information and pipe with car-mounted terminal
Management of balance is supplemented in reason, transaction with money, and application risk control method simultaneously carries out grey black name menu manager to user.Including settlement system, use
In executing risk management and control, account balance judgement and account balance are reduced and are increased；Quasi real time consumption transaction system, for executing
Trade order processing and the authentication to account；Card management system carries out additions and deletions pipe to bus card and corresponding account
The additions and deletions management of reason and grey black list.Grey black list be in order to promote user experience and what account management was made is efficiently modified,
When threshold value of the account balance due to system setting, account can be classified as gray list automatically by system, be traded again when next time
When consumption, system can send reminder message to car-mounted terminal, for needing to supplement with money in time to user reminding account balance deficiency,
Avoid in this way user consume that Sorry, your ticket has not enough value next time and the case where cannot trading, meanwhile, for certain customers, system is also opened up
There is overdraw function, transaction consumption can also be carried out in case of being short of money, when the amount of overdraw is more than a certain amount, system
Also account can be classified as gray list, is to remind to use by the mobile terminal in car-mounted terminal or payment medium in consumption next time
Family, blacklist is to cause economic loss to user in order to avoid bus card loss is falsely used by other people, when account exception, such as account
Family state is that state of reporting the loss perhaps is traded extremely or public transport Card Type is not inconsistent with binding account user, such as holding for real-name authentication
Situations such as card people's information is minor, and state's Card Type is but old card, and repeatedly high-frequency consumption, when condition meets
When the condition of systemic presupposition, target account can be included into blacklist automatically.
Mobile terminal includes:
Communication network module carries out data interaction for sending access request to backstage transaction system, inquires corresponding storage
Information；
NFC module reads corresponding informance for car-mounted terminal for simulating bus card.
The car-mounted terminal includes:
Communication module obtains the account letter including list information for carrying out data interaction with backstage transaction system
Breath；
NFC read module, for obtaining the corresponding informance of payment media storage；
It notifies display module, according to the corresponding notice of the delivering of list memory module feedback and is shown in external display screen
On；
List memory module is read for receiving the list data of backstage transaction system transmission, and according to NFC read module
Information retrieved, corresponding notice is sent to notice display module according to search result.
The backstage transaction system includes:
Settlement system, for executing risk management and control, account balance judgement and account balance are reduced and are increased；
Quasi real time consumption transaction system, the authentication for executing trade order processing and to account；
Card management system carries out additions and deletions management and the additions and deletions management of grey black list to bus card and corresponding account.
The settlement system includes:
Account management module, the instruction for being issued according to quasi real time consumption transaction system, to the remaining sum of destiny account into
Change operation information is simultaneously sent to air control module by row change management；
Air control active module, change operation information, execution is sent to the instruction of account risk assessment based on the received
Card management system.
Quasi real time consumption transaction system includes:
Authentication module and is deposited for receiving car-mounted terminal and paying the account information that medium sends in card management system
The account information of storage compares verifying；
Order creation module creates corresponding order for receiving the request sent, generates designated order and send it to
Settlement system.
Card management system includes:
Database, for storing the public transport card information and list data of account information, binding, when list data occurs more
When new, list data is sent to car-mounted terminal；
Air control module, for being included in account black according to preset air control strategy according to account balance and account status
List or gray list；
Account editor module for additions and deletions account in the database and modifies account information.
Fig. 2 show the method flow schematic diagram of preferred embodiment according to the present invention, the brief step of this system operation,
Car-mounted terminal reads payment medium, obtains the account information of storage；
The blacklist prestored in account information and car-mounted terminal is retrieved, if not retrieving corresponding informance, is sent
Otherwise transaction request including account information issues the notice that can not be traded and the results are shown in external to backstage transaction system
On display screen；
After backstage transaction system receives transaction request, account information is verified by authentication module, is verified then by order
Creation module creates trade order, does not otherwise execute operation；
Settlement system modifies to account balance according to trade order content, and sends list to card management system
More new command；
Card management system traverses stored account information, and the account by remaining sum lower than threshold value is included in gray list,
The account of account status exception is piped off, and updated list data is sent to car-mounted terminal, wherein threshold value can
Customized setting.
Every time after consumption, after the message that the car-mounted terminal transaction that platform transaction system is sent after the acquisition is completed, by external
Display screen such as led display screen prompt customer transaction complete, such as " transaction complete ", " message of swiping the card successfully ", user, which obtains, to be somebody's turn to do
After class message, learn transaction complete, enjoy bus service, and background system complete this transaction after, more than the account being related to
Volume carries out risk control operation, according to the remaining sum and state of account, account is piped off or gray list or do not execute is included in
After the operation such as list, then list update, updated list is sent to car-mounted terminal, completes the update of car-mounted terminal list,
Guarantee the timeliness of list.It quasi real time and quasi real time trades here it is so-called
In order to promote user experience, software development is carried out on mobile terminals, transfers the data acquisition of backstage transaction system
Permission enables users to carry out the function such as inquiring by mobile terminal:
Backstage transaction system is connected using the mobile terminal in payment medium, account request is opened in transmission；
Backstage transaction system acquisition request increases an account information newly, and user's real name information and public transport card number is carried out
Binding；
Backstage transaction system receives inquiry request, and account information is sent to mobile terminal；
Request is reported the loss in transaction system reception in backstage, and corresponding account is piped off；
Backstage transaction system receives recharging payment request, corresponding order is created using order creation module, to account balance
It modifies.
User's application is when handling bus card, the program such as wechat public platform on mobile terminal, app, wechat small routine etc., root
It is operated according to the input of user, gives the real name information such as identification card number of user to backstage transaction system by network transmission, block simultaneously
Piece management system increases an account information newly, so that the individual by the bus card card number and user is prestored account and mutually bind.User
When bus card is reported the loss in application, ID card information verifying is first passed through, then mobile terminal is operated according to the input of user by the body of user
Part card information is transferred to backstage transaction system, and settlement system executes risk management and control to corresponding account, and transmission will be included in black the account
Name single instrction pipes off corresponding account after card management system receives instruction to card management system, and will be after update
List data transfer to car-mounted terminal, carry out cover type update, similarly, after user makes up card, system settlement system is to correspondence
User executes risk management and control, and transmission will remove blacklist instruction the account to card management system, and card management system receives finger
After order, corresponding account is removed into blacklist, and updated list data is transferred to car-mounted terminal, carry out cover type update.
It is shown preferred embodiment one according to the present invention referring to Fig. 3, specially the system according to the present invention implements structure chart,
1) public transport vehicle-mounted terminal
Main realize identify simultaneously legitimate verification to bus card, if can prompt to trade after passing through successfully and on passenger
Vehicle, while transaction is quasi real time forwarded to quasi real time consumption transaction system.
2) quasi real time consumption transaction system
Transaction system carries out transaction pretreatment and route processing of trading, and is then forwarded to settle accounts calculation system again；
3) mobile terminal application and background management system
Realize that user such as activates the service, bind bus card, inquire, reporting the loss and supplementing with money at the bus cards related service.
4) card management system
It is main the business functions such as bus card management to be provided, inquires, report the loss；
5) charging system
The main charging function for realizing bus card；
6) settlement system
It the business such as realizes the bus card online account management in backstage, inquire, report the loss, consume and supplement with money, realizing online account's wind
Danger control, online account funds settle accounts calculation, bus card gray list management etc..
Preferred embodiment two according to the present invention are shown referring to Fig. 4, schematic diagram of quasi real time trading,
It is assumed that user has opened bus card quasi real time transactional services, then operation flow will be as follows:
1) passenger
Passenger, which holds itself bus card and swipes the card, to take pubic transport；
2) car-mounted terminal
Data monitoring device on bus identify and legitimate verification to bus card, if can prompt trade successfully simultaneously passenger after passing through
It gets on the bus, transaction is forwarded to transaction system simultaneously by equipment；
3) quasi real time consumption transaction system
Transaction system carries out transaction pretreatment and route processing of trading, and is forwarded to billing and accounting system；
4) settlement system
Backstage billing and accounting system carries out real-time settle accounts calculation, carries out clearing of withholing to the online account in the corresponding backstage of bus card, complete
At user's transaction information, while management backstage gray list can be notified after clearing by mobile terminal.
Referring to Figure 5 to realize the schematic diagram of recharging payment using mobile terminal according to present pre-ferred embodiments three,
Hand over card recharging payment process as follows:
1) passenger
It logs in mobile terminal and applies (APP/ public platform/small routine etc.), need to complete if not opening and binding to open simultaneously
Bus card is bound, bus card can also be newly claimed certainly and realize binding；
2) it initiates to supplement with money
User initiates to supplement with money on mobile terminals, and amount is supplemented in input with money, has adjusted payment etc.；
3) management backstage
Generation supplements order with money, initiates payment, managing payment order, initiates recharging payment to charging system；
4) recharging payment system
Accept recharging payment and with settle accounts calculation platform interact complete the online account of bus card it is value added；
5) settlement system
Value added operation is carried out to the online account in the corresponding backstage of bus card, carry out corresponding risk control and to gray list into
Row management.
Referring to being the schematic diagram for according to present pre-ferred embodiments four, realizing bus card quasi real time service fulfillment described in Fig. 6,
Quasi real time service fulfillment process is as follows for bus card:
1) user's real name is registered
It logs in mobile terminal and applies (APP/ public platform/small routine etc.), register and carry out real-name authentication；
2) bus card card number is bound
User binds bus card card number with real name, and defaults and open the online account in bus card backstage；
3) bus card mark updates
Bus card is updated, will quasi real time service fulfillment mark be written in card；
4) gray list is updated
Settlement system carries out corresponding risk management and is managed to gray list, updates public transport vehicle-mounted terminal equipment ash name
It is single.
It should be appreciated that the embodiment of the present invention can be by computer hardware, the combination of hardware and software or by depositing
The computer instruction in non-transitory computer-readable memory is stored up to be effected or carried out.Standard volume can be used in the method
Journey technology-includes that the non-transitory computer-readable storage media configured with computer program is realized in computer program,
In configured in this way storage medium computer is operated in a manner of specific and is predefined --- according in a particular embodiment
The method and attached drawing of description.Each program can with the programming language of level process or object-oriented come realize with department of computer science
System communication.However, if desired, the program can be realized with compilation or machine language.Under any circumstance, which can be volume
The language translated or explained.In addition, the program can be run on the specific integrated circuit of programming for this purpose.
In addition, the operation of process described herein can be performed in any suitable order, unless herein in addition instruction or
Otherwise significantly with contradicted by context.Process described herein (or modification and/or combination thereof) can be held being configured with
It executes, and is can be used as jointly on the one or more processors under the control of one or more computer systems of row instruction
The code (for example, executable instruction, one or more computer program or one or more application) of execution, by hardware or its group
It closes to realize.The computer program includes the multiple instruction that can be performed by one or more processors.
Further, the method can be realized in being operably coupled to suitable any kind of computing platform, wrap
Include but be not limited to PC, mini-computer, main frame, work station, network or distributed computing environment, individual or integrated
Computer platform or communicated with charged particle tool or other imaging devices etc..Each aspect of the present invention can be to deposit
The machine readable code on non-transitory storage medium or equipment is stored up to realize no matter be moveable or be integrated to calculating
Platform, such as hard disk, optical reading and/or write-in storage medium, RAM, ROM, so that it can be read by programmable calculator, when
Storage medium or equipment can be used for configuration and operation computer to execute process described herein when being read by computer.This
Outside, machine readable code, or part thereof can be transmitted by wired or wireless network.When such media include combining microprocessor
Or other data processors realize steps described above instruction or program when, invention as described herein including these and other not
The non-transitory computer-readable storage media of same type.When methods and techniques according to the present invention programming, the present invention
It further include computer itself.
Computer program can be applied to input data to execute function as described herein, to convert input data with life
At storing to the output data of nonvolatile memory.Output information can also be applied to one or more output equipments as shown
Device.In the preferred embodiment of the invention, the data of conversion indicate physics and tangible object, including the object generated on display
Reason and the particular visual of physical objects are described.
The above, only presently preferred embodiments of the present invention, the invention is not limited to above embodiment, as long as
It reaches technical effect of the invention with identical means, all within the spirits and principles of the present invention, any modification for being made,
Equivalent replacement, improvement etc., should be included within the scope of the present invention.Its technical solution within the scope of the present invention
And/or embodiment can have a variety of different modifications and variations.
Claims (10)
1. a kind of bus card settlement of transactions management system, including car-mounted terminal, payment medium and backstage transaction system, feature
It is:
The car-mounted terminal is used to be identified and be done legitimate verification to payment medium, after the corresponding informance that will acquire is sent to
Platform transaction system, and the information after feedback is received, corresponding notice is issued to the user of grey black list；
The backstage transaction system is used to establish communication connection, bus card and the storage of holder's identity information and pipe with car-mounted terminal
Management of balance is supplemented in reason, transaction with money, and application risk control method simultaneously carries out grey black name menu manager to user；
The payment medium carries out data interaction for storing public transport card information, and in backstage transaction system, executes bus card
Management function reads corresponding informance for car-mounted terminal.
2. bus card settlement of transactions management system according to claim 1, which is characterized in that the payment medium is movement
Terminal and/or bus card.
3. bus card settlement of transactions management system according to claim 2, which is characterized in that the mobile terminal includes:
Communication network module carries out data interaction for sending access request to backstage transaction system, inquires corresponding storage information；
NFC module reads corresponding informance for car-mounted terminal for simulating bus card.
4. bus card settlement of transactions management system according to claim 1, which is characterized in that the car-mounted terminal includes:
Communication module obtains the account information including list information for carrying out data interaction with backstage transaction system；
NFC read module, for obtaining the corresponding informance of payment media storage；
It notifies display module, according to the corresponding notice of the delivering of list memory module feedback and is shown on external display screen；
List memory module, for receiving the list data of backstage transaction system transmission, and the letter read according to NFC read module
Breath is retrieved, and sends corresponding notice to notice display module according to search result.
5. bus card settlement of transactions management system according to claim 1, which is characterized in that the backstage transaction system packet
It includes:
Settlement system, for executing risk management and control, account balance judgement and account balance are reduced and are increased；
Quasi real time consumption transaction system, the authentication for executing trade order processing and to account；
Card management system carries out additions and deletions management and the additions and deletions management of grey black list to bus card and corresponding account.
6. bus card settlement of transactions management system according to claim 5, which is characterized in that the settlement system includes:
Account management module, the instruction for being issued according to quasi real time consumption transaction system, becomes the remaining sum of destiny account
It more manages and change operation information is sent to air control module；
Air control active module, change operation information, is sent to card to the instruction of account risk assessment for execution based on the received
Management system.
7. bus card settlement of transactions management system according to claim 5, which is characterized in that the quasi real time consumer sale
System includes:
Authentication module and stores in card management system for receiving car-mounted terminal and paying the account information that medium sends
Account information compares verifying；
Order creation module creates corresponding order for receiving the request sent, generates designated order and send it to clearing
System.
8. bus card settlement of transactions management system according to claim 5, which is characterized in that the card management system packet
It includes:
Database, for storing the public transport card information and list data of account information, binding, when list data updates
When, list data is sent to car-mounted terminal；
Air control module, for account to be piped off according to account balance and account status according to preset air control strategy
Or gray list；
Account editor module for additions and deletions account in the database and modifies account information.
9. a kind of using any bus card settlement of transactions management method of claim 1-8, which is characterized in that including following
Step:
Car-mounted terminal reads payment medium, obtains the account information of storage；
The blacklist prestored in account information and car-mounted terminal is retrieved, if not retrieving corresponding informance, transmission includes
Otherwise the transaction request of account information issues the notice that can not be traded and the results are shown in external displays to backstage transaction system
On screen；
After backstage transaction system receives transaction request, account information is verified by authentication module, is verified then by order creation
Module creation trade order, does not otherwise execute operation；
Settlement system modifies to account balance according to trade order content, and sends list to card management system and update
Instruction；
Card management system traverses stored account information, and the account by remaining sum lower than threshold value is included in gray list, by account
The account of family abnormal state pipes off, and updated list data is sent to car-mounted terminal, and wherein threshold value can be made by oneself
Justice setting.
10. bus card settlement of transactions management method according to claim 9, which is characterized in that further comprising the steps of:
Backstage transaction system is connected using the mobile terminal in payment medium, account request is opened in transmission；
Backstage transaction system acquisition request increases an account information newly, and user's real name information and public transport card number is bound；
Backstage transaction system receives inquiry request, and account information is sent to mobile terminal；
Request is reported the loss in transaction system reception in backstage, and corresponding account is piped off；
Backstage transaction system receives recharging payment request, creates corresponding order using order creation module, carries out to account balance
Modification.
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| CN201811438579.4A CN109598502A (en) | 2018-11-28 | 2018-11-28 | A kind of bus card settlement of transactions management system and its method |
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| CN201811438579.4A CN109598502A (en) | 2018-11-28 | 2018-11-28 | A kind of bus card settlement of transactions management system and its method |
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| CN110659464A (en) * | 2019-08-27 | 2020-01-07 | 北京智联云海科技有限公司 | Urban traffic account management and settlement system |
| CN111275143A (en) * | 2020-01-17 | 2020-06-12 | 北京玛斯特系统工程有限公司 | Public transport payment system and method |
| CN111447254A (en) * | 2020-03-02 | 2020-07-24 | 广州如约数据科技有限公司 | Vehicle-mounted intelligent control system |
| CN112085500A (en) * | 2020-08-21 | 2020-12-15 | 广州铁路职业技术学院（广州铁路机械学校） | Remote recharging method and system for bus card |
| CN112884971A (en) * | 2021-01-20 | 2021-06-01 | 指点生活科技(深圳)有限责任公司 | Public transport IC card service processing method |
| CN112990402A (en) * | 2021-04-29 | 2021-06-18 | 飞天诚信科技股份有限公司 | Vehicle-mounted terminal exception handling method and vehicle-mounted terminal |
| CN114386551A (en) * | 2021-12-27 | 2022-04-22 | 上海工程技术大学 | Multifunctional traffic card based on Internet of things technology |
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