CN109754235A - Electronic fare payment system, method, intelligent terminal and storage medium - Google Patents
Electronic fare payment system, method, intelligent terminal and storage medium Download PDFInfo
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- CN109754235A CN109754235A CN201910021333.5A CN201910021333A CN109754235A CN 109754235 A CN109754235 A CN 109754235A CN 201910021333 A CN201910021333 A CN 201910021333A CN 109754235 A CN109754235 A CN 109754235A
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Abstract
The present invention relates to a kind of electronic fare payment system, method, intelligent terminal and storage mediums, applied to e-payment technical field, wherein, electronic fare payment system includes: currency conversion module, for the transformational relation between the dynamic generation actual delivery amount of money and ideal money；Ideal money generation module, for according to the transformational relation, the actual delivery amount of money to be generated to the ideal money for representing the actual delivery amount of money；Dummy payments module is stored Transaction Information for being transferred accounts the ideal money by paying party virtual account to beneficiary virtual account, and based on block chain technology；Auditing module obtains auditing result for auditing to the ideal money；Actual delivery module, for being to carry out actual delivery according to the actual delivery amount of money after in the auditing result.
Description
Technical field
The present invention relates to e-payment technical fields, and in particular to electronic fare payment system, method, intelligent terminal and storage are situated between
Matter.
Background technique
With e-commerce and the fast development of development of Mobile Internet technology, e-payment such as Web bank, Alipay, wechat
Payment etc. is quickly popularized, and e-payment refers to unit, individual directly or other people is authorized to refer to by electric terminal sending payment
Enable, realize currency payment and fund transfer behavior, be based on electronic communication and realize use the tally of digital cash sub
The payment method that coin is paid, have can cross-region payment, independent of physical currency, to be not required to small change, convenient and efficient etc. excellent
E-payment can be realized by intelligent terminals such as computer, mobile phones in point, user.
Currently, the electronic account of the e-payment that people use, mainly paying party or beneficiary by acquisition other side, so
Backward Third-party payment platform (such as Alipay, wechat) or bank initiate transfer request, Third-party payment platform or bank's core
It is legal to look into reciprocal account, then transfer amounts is transferred to beneficiary account from paying party account, completes payment process by transferring accounts.
Since the essence of e-payment is the communication of data, in transaction, such as there is paying party for beneficiary account and branch
It pays during the amount of money is sent to bank, communication data is intercepted by information stealth side, and beneficiary account is distorted and is stolen for information
The account for the side of taking is uploaded to bank again, then the fund of paying party will be stolen, so that the payment information of paying party be caused to be let out
Reveal, steal, distort and forges, so that payment process is dangerous,
Summary of the invention
In view of this, the present invention is in order to overcome the problems, such as to provide one kind present in the relevant technologies at least to some extent
Electronic fare payment system, method, intelligent terminal and storage medium.
In order to solve the above technical problems, the present invention adopts the following technical scheme:
In a first aspect, providing a kind of electronic fare payment system, comprising:
Currency conversion module, for the transformational relation between the dynamic generation actual delivery amount of money and ideal money；
Ideal money generation module, for according to the transformational relation, the generation of the actual delivery amount of money to be represented actual delivery
The ideal money of the amount of money；
Dummy payments module, for being transferred accounts the ideal money by paying party virtual account to the virtual account of beneficiary
Family, and stored Transaction Information based on block chain technology；
Auditing module obtains auditing result for auditing to the ideal money；
Actual delivery module, for being to carry out actual delivery according to the actual delivery amount of money after in the auditing result.
Optionally, the dummy payments module includes: the transaction application unit successively communicated to connect, block chain list
Member, connection unit and unit of transferring accounts；
Transaction application unit, the ideal money generated for receiving the ideal money generation module, and generate transaction and ask
It asks, includes virtual account information, the virtual account information of beneficiary and the ideal money information of paying party in the transaction request；
Block chain element, the transaction request sent for storing the transaction application unit；
The transaction request listened to is sent to and transfers accounts for monitoring the transaction request on block chain element by connection unit
Unit；
It transfers accounts unit, is transferred accounts by paying party virtual account to beneficiary void for receiving transaction request, and by ideal money
Quasi- account is traded, and transaction results are back to connection unit.
Optionally, the auditing module includes:
Statistic unit, the ideal money total value paid within a preset time for counting the paying party virtual account；
Comparing unit is used for the ideal money total value and preset value, obtains comparison result；
Judging unit, for the comparison result be more than or equal to when, obtain auditing result be do not pass through, and,
It alarms to the paying party；Alternatively, the comparison result be less than when, obtain auditing result be pass through.
It optionally, further include registration module, for generating virtual account information according to user's real account information.
Second aspect provides a kind of electric paying method, comprising:
Receive the actual delivery amount of money, the transformational relation between the dynamic generation actual delivery amount of money and ideal money；
According to the transformational relation, the actual delivery amount of money is generated to the ideal money for representing the actual delivery amount of money；
The ideal money is transferred accounts by paying party virtual account to beneficiary virtual account, and being based on block chain technology will
Transaction Information is stored；
The ideal money is audited, auditing result is obtained；
It is that actual delivery is carried out according to the actual delivery amount of money after in the auditing result.
Optionally, described that the ideal money is transferred accounts by paying party virtual account to beneficiary virtual account, and be based on
Block chain technology stores Transaction Information, comprising:
The ideal money is received, transaction request is generated, includes account information, the gathering of paying party in the transaction request
The account information and ideal money information of side；
The transaction request is stored into block chain；
Monitor the transaction request in the block chain, it is after the transaction request listened to, ideal money is virtual by paying party
Account transfer to beneficiary virtual account is traded；
Transaction results are stored into block chain.
Optionally, described that the ideal money is audited, obtain auditing result, comprising:
Count the ideal money total value that the paying party virtual account is paid within a preset time；
Compare the ideal money total value and preset value, obtains comparison result；
The comparison result be more than or equal to when, obtain auditing result be do not pass through, and, Xiang Suoshu paying party into
Row alarm；
The comparison result be less than when, obtain auditing result be pass through.
Root is optional, before the reception actual delivery amount of money, further includes:
New user registers according to real account information, generates virtual account information.
The third aspect provides a kind of intelligent terminal, comprising: processor, and the memory being connected with the processor；
The memory is for storing computer program；
The processor is for calling and executing the computer program in the memory, to execute such as first aspect
The method.
Fourth aspect, provides a kind of storage medium, and the storage medium is stored with computer program, the computer program
When being executed by processor, such as the described in any item methods of first aspect are realized.
The invention adopts the above technical scheme, and following technical effect may be implemented:
In the application, ideal money generation module is according to the actual delivery amount of money of currency conversion module dynamic generation and virtual
The actual delivery amount of money is generated and represents the ideal money of the actual delivery amount of money by the transformational relation between currency, and by ideal money
It is transferred accounts by paying party virtual account to beneficiary virtual account, and Transaction Information is stored in block chain, is in auditing result
By rear, actual delivery is carried out according to the actual delivery amount of money；In this way, by storing Transaction Information into block chain, due to area
The unalterable feature of block chain itself so that in process of exchange, the payment information of paying party not will be leaked, steal, distorting or
It forges, enhances the security performance of payment process.
Detailed description of the invention
In order to more clearly explain the embodiment of the invention or the technical proposal in the existing technology, to embodiment or will show below
There is attached drawing needed in technical description to be briefly described, it should be apparent that, the accompanying drawings in the following description is only this
Some embodiments of invention for those of ordinary skill in the art without creative efforts, can be with
It obtains other drawings based on these drawings.
Fig. 1 is the structural schematic diagram for the electronic fare payment system that the embodiment of the present invention one provides；
Fig. 2 is the structural schematic diagram of electronic fare payment system provided by Embodiment 2 of the present invention；
Fig. 3 is the flow diagram for the electric paying method that the embodiment of the present invention three provides；
Fig. 4 is the flow diagram for the electric paying method that the embodiment of the present invention four provides；
Fig. 5 is the structural schematic diagram for the intelligent terminal that the embodiment of the present invention five provides.
Specific embodiment
To make the purpose of the present invention, technical solution and advantage are clearer, will carry out below to technical solution of the present invention
Detailed description.Obviously, described embodiments are only a part of the embodiments of the present invention, instead of all the embodiments.Base
Embodiment in the present invention, those of ordinary skill in the art are obtained all without making creative work
Other embodiment belongs to the range that the present invention is protected.
Embodiment one
Fig. 1 is the structural schematic diagram for the electronic fare payment system that the embodiment of the present invention one provides.As shown in Figure 1, the present embodiment
A kind of electronic fare payment system is provided, comprising:
Currency conversion module 101, for the transformational relation between the dynamic generation actual delivery amount of money and ideal money；
Ideal money generation module 102, for according to transformational relation, the generation of the actual delivery amount of money to be represented actual delivery gold
The ideal money of volume；
Dummy payments module 103, for being transferred accounts ideal money by paying party virtual account to the virtual account of beneficiary
Family, and stored Transaction Information based on block chain technology；
Auditing module 104 obtains auditing result for auditing to ideal money；
Actual delivery module 105, for being to carry out actual delivery according to the actual delivery amount of money after in auditing result.
In the present embodiment, ideal money generation module is according to the actual delivery amount of money of currency conversion module dynamic generation and empty
The actual delivery amount of money, is generated the ideal money for representing the actual delivery amount of money by the transformational relation between quasi- currency, and by virtual goods
Coin is transferred accounts to beneficiary virtual account by paying party virtual account, and Transaction Information is stored in block chain, in auditing result
To carry out actual delivery according to the actual delivery amount of money after；In this way, by storing Transaction Information into block chain, due to
The unalterable feature of block chain itself, so that the payment information of paying party not will be leaked, steals, distort in process of exchange
Or forge, enhance the security performance of payment process.
Embodiment two
Fig. 2 is the structural schematic diagram of electronic fare payment system provided by Embodiment 2 of the present invention.As shown in Fig. 2, the present embodiment
Another electronic fare payment system is provided, comprising:
Registration module 201, for generating virtual account information according to user's real account information.Due to the practical account of user
Family information uniquely determines, and therefore, the virtual account information of generation is also to uniquely determine, also, user is collecting money and paying
When money, the real account information and virtual account information used is same information.
Currency conversion module 202, for the transformational relation between the dynamic generation actual delivery amount of money and ideal money.It needs
Illustrate, similar RMB changes U.S. dollar, and the exchange rate is in variation at any time.And currency dynamic change is also to be changed according to user
Money price is changed in real time to change.
Ideal money generation module 203, for according to transformational relation, the generation of the actual delivery amount of money to be represented actual delivery gold
The ideal money of volume；
Dummy payments module 204, for being transferred accounts ideal money by paying party virtual account to the virtual account of beneficiary
Family, and stored Transaction Information based on block chain technology；
Specifically, dummy payments module includes: the transaction application unit 2041 successively communicated to connect, block chain element
2042, connection unit 2043 and unit 2044 of transferring accounts；
Wherein, transaction application unit for receiving the ideal money of ideal money generation module generation, and generates transaction and asks
It asks, includes virtual account information, the virtual account information of beneficiary and the ideal money information of paying party in transaction request；
Block chain element, the transaction request sent for store transaction application unit；
It should be noted that block chain have the characteristics that decentralization and can not tamper, block chain is due to using distribution
Calculate and storage, there is no the hardware of centralization or management organization, the rights and duties of arbitrary node be all it is impartial, in system
Data block safeguarded jointly by the node in whole system with maintenance function.Once information is by verifying and being added to block
Chain permanent will store, unless can simultaneously be more than 51% node in control system, otherwise logarithm on individual node
Modification according to library is invalid, therefore the data stability of block chain and reliability are high.
Therefore, the Transaction Information of user is stored in block chain, the Transaction Information of user is stored by permanent, is protected
The account information for having demonstrate,proved user is not modified, and enhances the safety of process of exchange.
The transaction request listened to is sent to and transfers accounts for monitoring the transaction request on block chain element by connection unit
Unit；
It transfers accounts unit, is transferred accounts by paying party virtual account to beneficiary void for receiving transaction request, and by ideal money
Quasi- account is traded, and transaction results are back to connection unit；
Connection unit is also used to after receiving transaction results, and transaction results are sent to the storage of block chain element.
Auditing module obtains auditing result for auditing to ideal money；
Specifically, auditing module 205 includes:
Statistic unit 2051, the ideal money total value paid within a preset time for counting paying party virtual account；
Preset time can be configured according to the payment time limit, such as can be 1 second.
Comparing unit 2052 obtains comparison result for comparing ideal money total value and preset value；Preset value can basis
Actual conditions are configured, for example, actual value is no more than a Wan Yuan, and passes through currency conversion module when setting is transferred accounts every time
After conversion, the maximum value of ideal money can be determined, in this, as preset value.
Judging unit 2053, for comparison result be more than or equal to when, obtain auditing result be do not pass through, and,
It alarms to paying party；Alternatively, comparison result be less than when, obtain auditing result be pass through.Wherein, it alarms to paying party
The amount of money for as reminding paying party payment has been more than payment maximum value, so that paying party is changed in time.
Actual delivery module 206, for being to carry out actual delivery according to the actual delivery amount of money after in auditing result.
Due in virtual payment, process of exchange be it is safe, because being also safe in the actual delivery amount of money.
Embodiment three
Fig. 3 is the flow diagram for the electric paying method that the embodiment of the present invention three provides.As shown in figure 3, the present embodiment
A kind of electric paying method is provided, comprising:
Step 301 receives the actual delivery amount of money, and the conversion between the dynamic generation actual delivery amount of money and ideal money is closed
System；
Step 302, according to transformational relation, the actual delivery amount of money is generated to the ideal money for representing the actual delivery amount of money；
Step 303 transfers accounts ideal money to beneficiary virtual account by paying party virtual account, and is based on block chain skill
Art stores Transaction Information；
Step 304 audits ideal money, obtains auditing result；
Step 305, auditing result be after, according to the actual delivery amount of money carry out actual delivery.
In the present embodiment, transformational relation between the actual delivery amount of money and ideal money of dynamic generation, by actual delivery
The amount of money generates the ideal money for representing the actual delivery amount of money, and ideal money is transferred accounts by paying party virtual account to beneficiary void
Quasi- account, and Transaction Information is stored in block chain, it is to be carried out according to the actual delivery amount of money practical after in auditing result
Payment；In this way, by storing Transaction Information into block chain, due to the unalterable feature of block chain itself, so that trading
In the process, the payment information of paying party not will be leaked, steals, distorts or forge, and enhance the security performance of payment process.
Example IV
Fig. 4 is the flow diagram for the electric paying method that the embodiment of the present invention four provides.As shown in figure 4, the present embodiment
Another electric paying method is provided, comprising:
Step 401, new user register according to real account information, generate virtual account information；
Step 402 receives the actual delivery amount of money, and the conversion between the dynamic generation actual delivery amount of money and ideal money is closed
System；
Step 403, according to transformational relation, the actual delivery amount of money is generated to the ideal money for representing the actual delivery amount of money；
Step 404 receives ideal money, generates transaction request, includes account information, the gathering of paying party in transaction request
The account information and ideal money information of side；
Step 405 stores transaction request into block chain；
Step 406 monitors transaction request in block chain, after the transaction request listened to, by ideal money by paying party
Virtual account transfers accounts to beneficiary virtual account and trades；
Step 407 stores transaction results into block chain；
The ideal money total value that step 408, statistics paying party virtual account are paid within a preset time；
Step 409 compares ideal money total value and preset value, obtains comparison result；Comparison result be more than or equal to when,
Execute step 410, comparison result be less than when, execute step 411；
Step 410 is alarmed to paying party；
Step 411 carries out actual delivery according to the actual delivery amount of money.
The specific implementation of the present embodiment may refer to the e-payment system that previous embodiment one and embodiment two are recorded
Related description in embodiment of uniting, details are not described herein again.
Embodiment five
Fig. 5 is the intelligent terminal that the embodiment of the present invention five provides.As shown in figure 5, the present embodiment provides a kind of intelligent terminal,
It include: processor 501, and the memory 502 being connected with processor；
Memory is for storing computer program；
Processor is for calling and executing the computer program in memory, to execute as in above-mentioned electric paying method
Each step.
The specific implementation of the present embodiment may refer to the e-payment side that previous embodiment three and example IV are recorded
Related description in method and embodiment of the method, details are not described herein again.
Embodiment six
The present embodiment provides a kind of storage medium, storage medium is stored with computer program, and computer program is by processor
When execution, realize such as each step in above-mentioned electric paying method.
The specific implementation of the present embodiment may refer to the e-payment side that previous embodiment three and example IV are recorded
Related description in method and embodiment of the method, details are not described herein again.
It is understood that same or similar part can mutually refer in the various embodiments described above, in some embodiments
Unspecified content may refer to the same or similar content in other embodiments.
It should be noted that in the description of the present invention, term " first ", " second " etc. is used for description purposes only, without
It can be interpreted as indication or suggestion relative importance.In addition, in the description of the present invention, unless otherwise indicated, the meaning of " multiple "
Refer at least two.
Any process described otherwise above or method description are construed as in flow chart or herein, and expression includes
It is one or more for realizing specific logical function or process the step of executable instruction code module, segment or portion
Point, and the range of the preferred embodiment of the present invention includes other realization, wherein can not press shown or discussed suitable
Sequence, including according to related function by it is basic simultaneously in the way of or in the opposite order, Lai Zhihang function, this should be of the invention
Embodiment person of ordinary skill in the field understood.
It should be appreciated that each section of the invention can be realized with hardware, software, firmware or their combination.Above-mentioned
In embodiment, software that multiple steps or method can be executed in memory and by suitable instruction executing device with storage
Or firmware is realized.It, and in another embodiment, can be under well known in the art for example, if realized with hardware
Any one of column technology or their combination are realized: having a logic gates for realizing logic function to data-signal
Discrete logic, with suitable combinational logic gate circuit specific integrated circuit, programmable gate array (PGA), scene
Programmable gate array (FPGA) etc..
Those skilled in the art are understood that realize all or part of step that above-described embodiment method carries
It suddenly is that relevant hardware can be instructed to complete by program, the program can store in a kind of computer-readable storage medium
In matter, which when being executed, includes the steps that one or a combination set of embodiment of the method.
It, can also be in addition, each functional unit in each embodiment of the present invention can integrate in a processing module
It is that each unit physically exists alone, can also be integrated in two or more units in a module.Above-mentioned integrated mould
Block both can take the form of hardware realization, can also be realized in the form of software function module.The integrated module is such as
Fruit is realized and when sold or used as an independent product in the form of software function module, also can store in a computer
In read/write memory medium.
Storage medium mentioned above can be read-only memory, disk or CD etc..
In the description of this specification, reference term " one embodiment ", " some embodiments ", " example " " is specifically shown
Example ", or the description of " some examples " etc. mean specific features described in conjunction with this embodiment or example, structure, material or spy
Point is included at least one embodiment or example of the invention.In the present specification, schematic expression of the above terms are not
Centainly refer to identical embodiment or example.Moreover, the specific features of description, structure, material or feature can be any
One or more embodiment or examples in can be combined in any suitable manner.
Although the embodiments of the present invention has been shown and described above, it is to be understood that above-described embodiment is example
Property, it is not considered as limiting the invention, those skilled in the art within the scope of the invention can be to above-mentioned
Embodiment is changed, modification, replacement and variant.
Claims (10)
1. a kind of electronic fare payment system characterized by comprising
Currency conversion module, for the transformational relation between the dynamic generation actual delivery amount of money and ideal money；
Ideal money generation module, for according to the transformational relation, the generation of the actual delivery amount of money to be represented the actual delivery amount of money
Ideal money；
Dummy payments module, for being transferred accounts the ideal money by paying party virtual account to beneficiary virtual account,
And Transaction Information is stored based on block chain technology；
Auditing module obtains auditing result for auditing to the ideal money；
Actual delivery module, for being to carry out actual delivery according to the actual delivery amount of money after in the auditing result.
2. electronic fare payment system according to claim 1, which is characterized in that the dummy payments module include: according to
Transaction application unit, block chain element, connection unit and the unit of transferring accounts of secondary communication connection；
The transaction application unit, the ideal money generated for receiving the ideal money generation module, and generate transaction and ask
It asks, includes virtual account information, the virtual account information of beneficiary and the ideal money information of paying party in the transaction request；
The block chain element, the transaction request sent for storing the transaction application unit；
The transaction request listened to is sent to by the connection unit for monitoring the transaction request on the block chain element
The unit of transferring accounts；
The unit of transferring accounts is transferred accounts by paying party virtual account to beneficiary void for receiving transaction request, and by ideal money
Quasi- account is traded, and transaction results are back to the connection unit.
3. electronic fare payment system according to claim 1, which is characterized in that the auditing module includes:
Statistic unit, the ideal money total value paid within a preset time for counting the paying party virtual account；
Comparing unit is used for the ideal money total value and preset value, obtains comparison result；
Judging unit, for the comparison result be more than or equal to when, obtain auditing result be do not pass through, and, to institute
Paying party is stated to alarm；Alternatively, the comparison result be less than when, obtain auditing result be pass through.
4. electronic fare payment system according to claim 1, which is characterized in that further include registration module, for according to user
Real account information generates virtual account information.
5. a kind of electric paying method characterized by comprising
Receive the actual delivery amount of money, the transformational relation between the dynamic generation actual delivery amount of money and ideal money；
According to the transformational relation, the actual delivery amount of money is generated to the ideal money for representing the actual delivery amount of money；
The ideal money is transferred accounts by paying party virtual account to beneficiary virtual account, and will be traded based on block chain technology
Information is stored；
The ideal money is audited, auditing result is obtained；
It is that actual delivery is carried out according to the actual delivery amount of money after in the auditing result.
6. electric paying method according to claim 5, which is characterized in that described that the ideal money is empty by paying party
Quasi- account transfer is stored Transaction Information based on block chain technology to beneficiary virtual account, comprising:
The ideal money is received, transaction request is generated, includes account information, the beneficiary of paying party in the transaction request
Account information and ideal money information；
The transaction request is stored into block chain；
The transaction request in the block chain is monitored, after the transaction request listened to, by ideal money by paying party virtual account
It transfers accounts to beneficiary virtual account and trades；
Transaction results are stored into block chain.
7. electric paying method according to claim 5, which is characterized in that it is described that the ideal money is audited,
Obtain auditing result, comprising:
Count the ideal money total value that the paying party virtual account is paid within a preset time；
Compare the ideal money total value and preset value, obtains comparison result；
The comparison result be more than or equal to when, obtain auditing result be do not pass through, and, Xiang Suoshu paying party is reported
It is alert；
The comparison result be less than when, obtain auditing result be pass through.
8. electric paying method according to claim 5, which is characterized in that before the reception actual delivery amount of money, also
Include:
New user registers according to real account information, generates virtual account information.
9. a kind of intelligent terminal characterized by comprising processor, and the memory being connected with the processor；
The memory is for storing computer program；
The processor is for calling and executing the computer program in the memory, to execute such as claim 5-8
Described in any item methods.
10. a kind of storage medium, which is characterized in that the storage medium is stored with computer program, the computer program quilt
When processor executes, such as the described in any item methods of claim 5-8 are realized.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
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| CN201910021333.5A CN109754235A (en) | 2019-01-09 | 2019-01-09 | Electronic fare payment system, method, intelligent terminal and storage medium |
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201910021333.5A CN109754235A (en) | 2019-01-09 | 2019-01-09 | Electronic fare payment system, method, intelligent terminal and storage medium |
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| CN109754235A true CN109754235A (en) | 2019-05-14 |
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ID=66405321
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| CN201910021333.5A Pending CN109754235A (en) | 2019-01-09 | 2019-01-09 | Electronic fare payment system, method, intelligent terminal and storage medium |
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| CN111861440A (en) * | 2020-08-06 | 2020-10-30 | 中国银行股份有限公司 | Bank transfer method and system based on block chain network |
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Application publication date: 20190514 |