CN110766394A

CN110766394A - Bus taking payment method and device based on credit degree, electronic equipment and storage medium

Info

Publication number: CN110766394A
Application number: CN201911001496.3A
Authority: CN
Inventors: 刘家凯
Original assignee: Tencent Technology Shenzhen Co Ltd
Current assignee: Tencent Technology Shenzhen Co Ltd
Priority date: 2019-10-21
Filing date: 2019-10-21
Publication date: 2020-02-07

Abstract

The embodiment of the invention provides a riding payment method and device based on credit, electronic equipment and a storage medium; the method comprises the following steps: responding to a starting instruction aiming at the virtual bus taking card, and presenting a payment authorization key for authorizing a payment mode corresponding to the virtual bus taking card; responding to an authorization instruction triggered based on the payment authorization key, and acquiring the credit degree of a target user associated with the virtual riding card; distributing corresponding payment amount to the virtual riding card based on the credit degree of the target user; in response to a first payment order sent through a near field communication connection, deducting an order amount corresponding to the first payment order from the payment amount; and sending a second payment order to the payment terminal corresponding to the payment mode based on the order amount, and deducting the order amount from the associated payment account of the target user based on the second payment order.

Description

Bus taking payment method and device based on credit degree, electronic equipment and storage medium

Technical Field

The present invention relates to communication technologies and block chain technologies, and in particular, to a bus taking payment method and apparatus based on credit, an electronic device, and a storage medium.

Background

With the development of the internet technology, the physical riding card is mostly adopted for riding payment when a user rides a bus (such as a bus and a subway), the user finishes riding payment by swiping the card on card swiping equipment, and the physical riding card greatly facilitates the traveling of the user.

In the related technology, the entity riding card needs to have a balance enough for paying the riding cost before being used, a user needs to recharge the entity riding card in advance, and the user needs to go to a special recharging point or manually recharge the entity riding card through a mobile phone for recharging the entity riding card, so that the operation is complex, the riding of the user is influenced under the condition that the user forgets to recharge in advance, and the user experience is low.

Disclosure of Invention

The embodiment of the invention provides a bus taking payment method and device based on credit, electronic equipment and a storage medium, which can bring experience of first taking a bus and then paying the bus to a user and reduce time cost and operation cost required by the user for taking the bus.

The technical scheme of the embodiment of the invention is realized as follows:

the embodiment of the invention provides a bus taking payment method based on credit degree, which comprises the following steps:

responding to a starting instruction aiming at the virtual bus taking card, and presenting a payment authorization key for authorizing a payment mode corresponding to the virtual bus taking card;

responding to an authorization instruction triggered based on the payment authorization key, and acquiring the credit degree of a target user associated with the virtual riding card;

distributing corresponding payment amount to the virtual riding card based on the credit degree of the target user;

in response to a first payment order sent through a near field communication connection, deducting an order amount corresponding to the first payment order from the payment amount;

and sending a second payment order to the payment terminal corresponding to the payment mode based on the order amount, and deducting the order amount from the associated payment account of the target user based on the second payment order.

The embodiment of the invention also provides a riding payment device based on credit degree, which comprises:

the display module is used for responding to a starting instruction aiming at the virtual bus taking card and presenting a payment authorization key for authorizing a payment mode corresponding to the virtual bus taking card;

the acquisition module is used for responding to an authorization instruction triggered based on the payment authorization key, and acquiring the credit degree of a target user associated with the virtual riding card;

the allocation module is used for allocating corresponding payment amount to the virtual riding card based on the credit degree of the target user;

the payment module is used for responding to a first payment order sent through near field communication connection and deducting order amount corresponding to the first payment order from the payment amount;

and the sending module is used for sending a second payment order to the payment terminal corresponding to the payment mode based on the order amount so as to deduct the order amount from the associated payment account of the target user based on the second payment order.

In the above scheme, the apparatus further comprises a correlation module;

the display module is also used for presenting a payment rule corresponding to the payment mode and determining a function item for determining the payment mode;

and the association module is used for associating the virtual riding card with the payment end corresponding to the payment mode in response to the operation instruction aiming at the determined function item triggered according to the payment rule.

In the above scheme, the obtaining module is further configured to send a credit obtaining request corresponding to the target user;

receiving a returned credit score characterizing the credit rating of the target user.

In the above scheme, the obtaining module is further configured to send the credit obtaining request to a parent application running the child application through the child application.

In the above scheme, the allocation module is further configured to determine the payment amount of the virtual riding card based on the credit degree of the target user, the mapping relationship between the credit degree and the payment amount;

and distributing corresponding payment amount for the virtual bus taking card based on the payment amount of the virtual bus taking card.

In the above scheme, the display module is further configured to present the virtual riding card including the riding card number in a view interface, where the riding card number is used to identify the virtual riding card and indicate that the virtual riding card is successfully provided.

In the above scheme, the display module is further configured to present the card swiping information and/or the payment information corresponding to the virtual riding card through a popup window.

In the above scheme, the obtaining module is further configured to send a card swiping record corresponding to the virtual riding card, where the card swiping record includes the amount of the order;

and receiving the returned second payment order generated based on the card swiping record, wherein the payment amount corresponding to the second payment order is the same as the order amount.

In the above scheme, the apparatus further comprises:

the recharging module is used for receiving a payment success message corresponding to the second payment order;

and recharging the virtual riding card based on the payment success message, so that the balance of the virtual riding card is the same as the payment amount.

In the above scheme, the payment module is further configured to obtain a balance of the virtual riding card in response to a third payment order sent through the near field communication connection;

the display module is further configured to present a prompt message prompting that the balance is insufficient when the balance is less than the order amount of the third payment order.

In the above scheme, the obtaining module is further configured to obtain the updated credit degree of the target user;

the allocation module is further used for adjusting the payment amount allocated to the virtual riding card based on the updated credit degree of the target user.

In the above scheme, the device further comprises a detection module;

the detection module is used for detecting the near field communication interface to obtain a detection result;

the display module is further configured to present a payment authorization key for authorizing a payment mode corresponding to the virtual riding card when the detection result represents that the near field communication interface is detected.

In the above scheme, the apparatus further comprises:

the storage module is used for carrying out hash processing on the second payment order to obtain an abstract of the second payment order;

storing the summary of the second payment order to a blockchain network.

An embodiment of the present invention further provides an electronic device, including:

a memory for storing an executable program;

and the processor is used for realizing the bus taking payment method based on credit provided by the embodiment of the invention when the executable program stored in the memory is executed.

The embodiment of the invention also provides a storage medium which stores an executable program, and the executable program is executed by a processor to realize the bus taking payment method based on credit degree provided by the embodiment of the invention.

The application of the embodiment of the invention has the following beneficial effects:

the method comprises the steps of distributing corresponding payment amount to a virtual bus taking card of a user based on credit degree of the user, deducting corresponding bus taking expense from the distributed payment amount after the user takes a bus, and deducting the bus taking expense from a payment account of the user, so that experience of paying after taking the bus is brought to the user.

Drawings

Fig. 1A to 1G are interface views for charging an entity riding card through a mobile phone provided by the related art;

fig. 2A to 2H are interface views for realizing vehicle payment by vehicle codes according to the related art;

fig. 3 is an alternative architecture diagram of a credit-based ride payment system according to an embodiment of the present invention;

fig. 4 is a schematic structural diagram of an electronic device 400 according to an embodiment of the present invention;

fig. 5A is a schematic diagram of an alternative system architecture for running an applet on a client according to an embodiment of the present invention;

fig. 5B is a schematic diagram illustrating an applet page displayed in a client according to an embodiment of the present invention;

fig. 6 is a schematic flow chart of a bus taking payment method based on credit according to an embodiment of the present invention;

7A-7G are interface views of credit-based ride payments provided by embodiments of the present invention;

fig. 8 is a schematic diagram of an application architecture of a blockchain network according to an embodiment of the present invention;

fig. 9 is a schematic structural diagram of a block chain in the block chain network 80 according to an embodiment of the present invention;

fig. 10 is a functional architecture diagram of a blockchain network 80 according to an embodiment of the present invention;

fig. 11 is a schematic flow chart of a method for activating a virtual ride card according to an embodiment of the present invention;

fig. 12A and 12B are schematic flow diagrams of a method for activating a virtual ride card according to an embodiment of the present invention;

fig. 13A and 13B are schematic flow diagrams of a method for using a virtual ride card according to an embodiment of the present invention;

fig. 14 is a schematic structural diagram of a vehicle payment device based on credit according to an embodiment of the present invention.

Detailed Description

The present invention will be described in further detail below with reference to the accompanying drawings and examples. It should be understood that the examples provided herein are merely illustrative of the present invention and are not intended to limit the present invention. In addition, the following embodiments are provided as partial embodiments for implementing the present invention, not all embodiments for implementing the present invention, and the technical solutions described in the embodiments of the present invention may be implemented in any combination without conflict.

It should be noted that, in the embodiments of the present invention, the terms "comprises", "comprising" or any other variation thereof are intended to cover a non-exclusive inclusion, so that a method or apparatus including a series of elements includes not only the explicitly recited elements but also other elements not explicitly listed or inherent to the method or apparatus. Without further limitation, an element defined by the phrase "comprising an … …" does not exclude the presence of other related elements in a method or apparatus including the element (e.g., steps in a method or elements in an apparatus, such as units that may be part of a circuit, part of a processor, part of a program or software, etc.).

For example, the web page processing method provided by the embodiment of the present invention includes a series of steps, but the web page processing method provided by the embodiment of the present invention is not limited to the described steps, and similarly, the web page processing apparatus provided by the embodiment of the present invention includes a series of units, but the apparatus provided by the embodiment of the present invention is not limited to include the explicitly described units, and may also include units that are required to be configured to acquire related information or perform processing based on the information.

Before further detailed description of the present invention, terms and expressions referred to in the embodiments of the present invention are described, and the terms and expressions referred to in the embodiments of the present invention are applicable to the following explanations.

1) Parent applications, such as various clients, include applications for providing various services that are run in a terminal, typically an instant messaging client represented by WeChat.

2) The sub-application program is a program, such as an applet, which is developed based on a front-end-oriented language (such as JavaScript) and implements services in a hypertext markup language (HTML) page, and can be immediately interpreted and executed in a client after being downloaded by the client, thereby saving steps installed in the client.

3) Transactions (transactions), equivalent to the computer term "Transaction," include operations that need to be committed to a blockchain network for execution and do not refer solely to transactions in the context of commerce, which embodiments of the present invention follow in view of the convention colloquially used in blockchain technology.

For example, a deployment (deployment) transaction is used to install a specified smart contract to a node in a blockchain network and is ready to be invoked; the Invoke (Invoke) transaction is used to append records of the transaction in the blockchain by invoking the smart contract and to perform operations on the state database of the blockchain, including update operations (including adding, deleting, and modifying key-value pairs in the state database) and query operations (i.e., querying key-value pairs in the state database).

4) A Block chain (Blockchain) is a storage structure for encrypted, chained transactions formed from blocks (blocks).

5) A Blockchain Network (Blockchain Network) incorporates new blocks into a set of nodes of a Blockchain in a consensus manner.

6) Ledger (legger) is a general term for blockchains (also called Ledger data) and state databases synchronized with blockchains. Wherein, the blockchain records the transaction in the form of a file in a file system; the state database records the transactions in the blockchain in the form of different types of Key (Key) Value pairs for supporting fast query of the transactions in the blockchain.

7) Intelligent Contracts (Smart Contracts), also known as chain codes (chaincodes) or application codes, are programs deployed in nodes of a blockchain network, and the nodes execute the intelligent Contracts called in received transactions to perform operations of updating or querying key-value data of a state database.

8) Consensus (Consensus), a process in a blockchain network, is used to agree on transactions in a block among a plurality of nodes involved, the agreed block is to be appended to the end of the blockchain, and the mechanisms for achieving Consensus include Proof of workload (PoW, Proof of Work), Proof of rights and interests (PoS, Proof of equity (DPoS), Proof of granted of shares (DPoS), Proof of Elapsed Time (PoET, Proof of Elapsed Time), and so on.

9) In response to the condition or state on which the performed operation depends, one or more of the performed operations may be in real-time or may have a set delay when the dependent condition or state is satisfied; there is no restriction on the order of execution of the operations performed unless otherwise specified.

In the related art, a user pays for a ride by using an entity ride card in a ride trip, and needs to recharge the entity ride card in advance in order not to affect normal use, fig. 1A to 1G are interface views for recharging the entity ride card by a mobile phone provided by the related art, and a process for recharging the entity ride card is described with reference to fig. 1A to 1G.

Firstly, on a view interface (shown in fig. 1A) presenting a Near Field Communication (NFC) key, a user clicks the NFC key to trigger the mobile phone to jump to a setting interface (shown in fig. 1B) of an NFC function, and the user clicks a function switch corresponding to the NFC function to start the NFC function to trigger the start of the NFC function; the user approaches the entity riding card to the mobile phone, if the entity riding card is pasted on the back of the mobile phone, near field communication is achieved, a page presented by the mobile phone jumps to a recharging interface (shown in figure 1C), the user selects a recharging amount, then the page jumps to a payment page, after the user completes payment in a related payment mode, data writing is conducted on the entity riding card through the near field communication, and recharging is completed.

The above manner of recharging the entity riding card requires manual operation of the user, the flow is complex, the operation time is long, the riding of the user is affected under the condition that the user forgets to recharge in advance, and the user experience is low.

In the related art, the user can also make a bus payment through the bus code by the bus code applet when traveling, fig. 2A to 2H are interface views for making a bus payment through the bus code provided in the related art, and a process for making a bus payment by using the bus code will be described with reference to fig. 2A to 2H.

A user opens a client (a parent application program), searches a small program (a sub application program) of a 'riding code' through a search function of the client, selects the small program of the riding code from the searched small programs, presents a view interface (shown in figure 2B) corresponding to the small program of the selected riding code, clicks a key for 'going to ride' in the view interface by the user to trigger the opening of the riding code, a page jumps to an opening interface (shown in figure 2C) of the riding code, the user clicks the 'opening riding code' to trigger an opening instruction of the riding code, the page jumps to a payment authorization interface (shown in figure 2D), and opens the password-free payment through the interface to select a fee deduction mode, and after the password-free payment is opened, when the user pays based on the bus number, the bus payment is realized by scanning the bus number through the charging equipment with the code scanning function, and the corresponding bus fee is deducted from the associated account in the payment process through a fee deduction mode selected by the user.

The mode of realizing riding payment by adopting the riding codes needs to modify card swiping equipment (gate) in the related technology to enable the card swiping equipment to have the code scanning function, however, modification of the card swiping equipment needs to consume a large amount of manpower and material resources, and the cost is extremely high.

Based on this, a bus taking payment method, device, electronic device, system and storage medium based on credit of the embodiments of the present invention are proposed to solve at least the above problems in the related art, and are separately described below.

Fig. 3 is an alternative architecture diagram of a credit-based bus taking payment system according to an embodiment of the present invention, referring to fig. 3, in order to support an exemplary application, terminals (including a terminal 400-1 and a terminal 400-2) are connected to a server 200 through a network 300, where the network 300 may be a wide area network or a local area network, or a combination of the two networks, and data transmission is implemented using a wireless or wired link.

The terminal (such as the terminal 400-1) is used for responding to a starting instruction of the virtual bus card triggered by a user and presenting a payment authorization key for authorizing a payment mode of the corresponding virtual bus card; when the user is based on an authorization instruction triggered by the payment authorization key, the terminal sends a credit rating acquisition request of a target user associated with the virtual riding card to the server 200 so as to acquire the credit rating of the target user associated with the virtual riding card;

the server 200 is used for acquiring the request based on the received credit degree, inquiring the credit degree of the target user in the database and returning the credit degree of the target user to the terminal;

the terminal (such as the terminal 400-1) is further used for receiving a first payment order sent by the card swiping equipment through the near field communication connection, and deducting the order amount of the first payment order from the payment amount of the virtual riding card;

the terminal (e.g., terminal 400-1) is further configured to send a second payment order to the payment terminal corresponding to the payment method based on the order amount, so as to deduct the order amount from the payment account of the associated target user based on the second payment order.

In practical application, the server 200 may be a server configured independently to support various services, or may be configured as a server cluster; the terminal may be a smartphone, a tablet, a laptop, or any other type of user terminal, and may also be a wearable computing device, a Personal Digital Assistant (PDA), a desktop computer, a cellular phone, a media player, a navigation device, a game console, a television, or a combination of any two or more of these or other data processing devices.

Next, an electronic device that implements the credit-based ride payment method according to the embodiment of the present invention will be described below. In some embodiments, the electronic device may be a terminal and may also be a server. Referring to fig. 4, fig. 4 is a schematic structural diagram of an electronic device 400 according to an embodiment of the present invention, where the electronic device 400 shown in fig. 4 includes: a processor 410, a memory 450, a network interface 420, and a user interface 430. The various components in electronic device 400 are coupled together by a bus system 440. It is understood that the bus system 440 is used to enable communications among the components. The bus system 440 includes a power bus, a control bus, and a status signal bus in addition to a data bus. For clarity of illustration, however, the various buses are labeled as bus system 440 in fig. 4.

The Processor 410 may be an integrated circuit chip having Signal processing capabilities, such as a general purpose Processor, a Digital Signal Processor (DSP), or other programmable logic device, discrete gate or transistor logic device, discrete hardware components, or the like, wherein the general purpose Processor may be a microprocessor or any conventional Processor, or the like.

The user interface 430 includes one or more output devices 431, including one or more speakers and/or one or more visual displays, that enable the presentation of media content. The user interface 430 also includes one or more input devices 432, including user interface components that facilitate user input, such as a keyboard, mouse, microphone, touch screen display, camera, other input buttons and controls.

The memory 450 may be removable, non-removable, or a combination thereof. Exemplary hardware devices include solid state memory, hard disk drives, optical disk drives, and the like. Memory 450 optionally includes one or more storage devices physically located remote from processor 410.

The memory 450 includes either volatile memory or nonvolatile memory, and may include both volatile and nonvolatile memory. The nonvolatile Memory may be a Read Only Memory (ROM), and the volatile Memory may be a Random Access Memory (RAM). The memory 450 described in embodiments of the invention is intended to comprise any suitable type of memory.

In some embodiments, memory 450 is capable of storing data, examples of which include programs, modules, and data structures, or a subset or superset thereof, to support various operations, as exemplified below.

An operating system 451, including system programs for handling various basic system services and performing hardware-related tasks, such as a framework layer, a core library layer, a driver layer, etc., for implementing various basic services and handling hardware-based tasks;

a network communication module 452 for communicating to other computing devices via one or more (wired or wireless) network interfaces 420, exemplary network interfaces 420 including: bluetooth, wireless compatibility authentication (WiFi), and Universal Serial Bus (USB), etc.;

a presentation module 453 for enabling presentation of information (e.g., user interfaces for operating peripherals and displaying content and information) via one or more output devices 431 (e.g., display screens, speakers, etc.) associated with user interface 430;

an input processing module 454 for detecting one or more user inputs or interactions from one of the one or more input devices 432 and translating the detected inputs or interactions.

In some embodiments, the credit-based ride payment device provided by embodiments of the present invention may be implemented in software, and fig. 4 illustrates a credit-based ride payment device 455 stored in memory 450, which may be software in the form of programs and plug-ins, including the following software modules: a display module 4551, an acquisition module 4552, an assignment module 4553, a payment module 4554, and a transmission module 4555, which are logical and thus may be arbitrarily combined or further separated according to functions implemented, and functions of the respective modules will be described below.

In other embodiments, the bus payment Device based on the credit provided by the embodiments of the present invention may be implemented in hardware, for example, the bus payment Device based on the credit provided by the embodiments of the present invention may be a processor in the form of a hardware decoding processor, which is programmed to execute the bus payment method based on the credit provided by the embodiments of the present invention, for example, the processor in the form of the hardware decoding processor may employ one or more Application Specific Integrated Circuits (ASICs), DSPs, Programmable Logic Devices (PLDs), Complex Programmable Logic Devices (CPLDs), Field Programmable Gate Arrays (FPGAs), or other electronic components.

Based on the above description of the bus taking payment system and the electronic device based on the credit of the embodiment of the present invention, before the bus taking payment method based on the credit of the embodiment of the present invention is described, a parent application and a child application related to the embodiment of the present invention are first described.

Taking a parent application as a client and a child application as an applet as examples, fig. 5A is a schematic diagram of an optional system architecture of the client for running the applet, provided by the embodiment of the present invention, and fig. 5B is a schematic diagram of displaying an applet page in the client, provided by the embodiment of the present invention, where, with reference to fig. 5A and 5B, when a client 11 (e.g., a WeChat client) in a terminal 20 runs an applet for the first time, the applet needs to be downloaded, an initialization request is sent to a server of the applet to download the applet, in order to increase a download speed, the request may be redirected to a Content delivery network 13 (CDN), a Package (Package) of the applet is sent to the client 11 by the Content delivery network 13 instead of the server of the applet from a suitable node server in the Content delivery network 13 (e.g., a node server selected based on a shortest link condition, a load balancing condition, etc.), namely the source code of the applet, thereby realizing the downloading of the applet; after the initialization of the applet is completed by the client, the applet page is loaded by interpreting the code of the applet, the applet obtains JSON data required by page display and page update by sending a data request to the server 12, and then the applet performs page rendering according to the obtained JSON data to realize page display/update of the applet in the client.

Based on the above description of the parent application and the child application, a bus taking payment method based on credit provided by an embodiment of the present invention is described next. Fig. 6 is a schematic flow chart of a bus payment method based on credit provided by an embodiment of the present invention, and fig. 7A to 7G are interface views of bus payment based on credit provided by an embodiment of the present invention; in some embodiments, the bus payment method based on credit may be implemented by a terminal, or implemented by a server and a terminal cooperatively, taking the terminal as an example, as implemented by the terminal 400-1 in fig. 3, and the bus payment method based on credit provided by the embodiments of the present invention will be described with reference to fig. 3, fig. 6, and fig. 7A to fig. 7G.

Step 601: and the terminal responds to the opening instruction aiming at the virtual bus taking card and presents a payment authorization key for authorizing the payment mode of the corresponding virtual bus taking card.

Here, in actual implementation, since the terminal needs to have the NFC function when performing the bus payment based on the virtual bus card, the NFC function of the terminal needs to be detected before the virtual bus card is turned on to determine whether the terminal has the NFC function, specifically, the terminal detects the near field communication interface to obtain a detection result, and when the detection result represents that the near field communication interface is detected, the terminal is considered to have the NFC function, and then a payment authorization key for authorizing a payment method corresponding to the virtual bus card can be presented when an opening instruction for the virtual bus card is received.

In some embodiments, a virtual riding card client is arranged on the terminal, the terminal presents an opening interface including one or more virtual riding cards by running the virtual riding card client, a user selects a virtual riding card to be opened, triggers an opening instruction for the virtual riding card by clicking operation for the selected virtual riding card, and presents a payment authorization key for authorizing a payment mode corresponding to the virtual riding card on a payment authorization interface.

Here, the virtual riding card realizes the simulation of the physical riding card on the terminal with the NFC function, and realizes the function of a riding card built in the mobile phone.

In other embodiments, a parent application, such as an instant messaging client, is provided on the terminal, the "car riding card" applet is searched through an applet search function provided by the parent application, a search result interface (shown in fig. 7A) corresponding to the "car riding card" applet is presented, the user clicks the "car riding card" applet on the search result interface to realize that the page jumps to an applet page (shown in fig. 7B), the user selects a virtual car riding card that the user wants to activate, triggering an opening instruction for the virtual bus card through clicking operation (for example, triggering an opening instruction for the virtual bus card by clicking an 'immediate opening' button in a view interface shown in fig. 7B), the applet realizes that the page jumps to a payment authorization interface (shown in fig. 7C), and presenting a payment authorization key for authorizing the payment mode of the corresponding virtual riding card on a payment authorization interface.

In some embodiments, the terminal further presents a payment rule corresponding to the payment method and a determination function item for determining the payment method on the payment authorization interface; and responding to an operation instruction aiming at the determined function item triggered according to the payment rule, and associating the virtual riding card with the payment end corresponding to the payment mode.

Taking the execution main body as an applet as an example, referring to fig. 7C, the applet presents a payment mode of 'change' in a payment authorization interface, and the payment rule corresponding to the payment mode of 'change' is to recharge through change payment when the balance in the card is insufficient after riding a car; here, the payment rule corresponding to the payment means is used to explain the payment means; when the user triggers an operation instruction aiming at the determined function item according to the payment rule, the applet realizes the virtual riding card and a payment end corresponding to the payment mode, namely a client for running the applet.

Step 602: and responding to an authorization instruction triggered based on the payment authorization key, and acquiring the credit degree of the target user associated with the virtual riding card.

In some embodiments, when the terminal is provided with the virtual riding card client, in response to an authorization instruction triggered based on the payment authorization key, the virtual riding card client sends a credit rating acquisition request of a target user associated with the virtual riding card to the background server so as to acquire the credit rating of the target user returned by the background server. Here, in actual implementation, the backend server itself may store the credits of a plurality of users, and query the corresponding credits according to the target user identifier carried in the credit acquisition request, or the backend server forwards the credit acquisition request to the server storing the user credit information based on the target user identifier of the target user, so as to acquire the credits of the target user and return the credits to the virtual riding card client.

Here, the credit degree refers to the degree of user's credit reflected from social reputation, economic status, and performance of commodity transaction, and in practical applications, the credit degree of the user can be represented by the credit score, and the credit score reflects the credit degree.

In other embodiments, when the execution subject is an applet, the applet responds to an authorization instruction triggered based on a payment authorization key, and sends a credit acquisition request corresponding to a target user to a client running the applet, so that the client running the applet acquires the credit of the target user from a background server and returns the credit to the applet.

Step 603: and distributing corresponding payment amount for the virtual bus taking card based on the credit degree of the target user.

In some embodiments, a mapping relation between the credit degree and the payment amount is set, and the terminal determines the payment amount of the virtual riding card based on the mapping relation between the credit degree and the payment amount of the target user; and corresponding payment amount can be distributed to the virtual bus taking card based on the payment amount of the virtual bus taking card.

In some embodiments, the credit rating is characterized by a credit score, and the terminal may assign a corresponding payment amount to the virtual ride card by: the terminal determines the scoring range where the credit score of the target user is located, determines the payment amount of the virtual bus taking card corresponding to the target user according to the determined scoring range, and allocates corresponding payment amount to the virtual bus taking card based on the determined payment amount.

For example, assuming that the credit score is a percentage, the score range of the credit score is set to include [0,60], [60,80], [80,100 ]; wherein, the payment amount corresponding to the scoring range [0,60] is 5 yuan, the payment amount corresponding to the scoring range [60,80] is 10 yuan, and the payment amount corresponding to the scoring range [80,100] is 15 yuan; and (3) obtaining the credit score of the target user as 75, determining the score range of the credit score as [60,80], correspondingly, determining the payment amount of the virtual bus taking card corresponding to the target user as 10 yuan, and allocating the corresponding payment amount to the virtual bus taking card as 10 yuan.

In other embodiments, the credit rating is characterized by a credit score, and the terminal may assign a corresponding payment amount to the virtual ride card by: the terminal determines a credit level corresponding to the credit score of the target user, determines the payment amount of the virtual bus card based on the determined credit level, the mapping relation between the credit level and the payment amount, and allocates corresponding payment amount to the virtual bus card based on the payment amount of the virtual bus card.

In some embodiments, after the terminal allocates the corresponding payment amount to the virtual riding card, the terminal presents corresponding prompt information, which is used for prompting the user to ride the virtual riding card without recharging as shown in fig. 7D, and presents prompt information of "successful credit granting, no recharging, and payment of the fare by deduction after riding the car" on a view interface; the credit authorization is to give a certain amount to the virtual bus card of the user in advance according to the credit condition of the user, the user does not need to recharge in advance when using the virtual bus card, and the user can directly pay the bus fee by swiping the virtual bus card when the bus fee is lower than the bus fee in the credit authorization amount; the deduction is carried out by signing with the user in advance, deduction is carried out by using an appointed account, the time spent on paying the bus is needed after the user uses the virtual bus taking card, the user does not need to operate, and the user is automatically replaced to deduct the corresponding bus fee from the appointed account.

In some embodiments, after the terminal allocates the corresponding payment amount to the virtual bus card, the terminal presents the virtual bus card including the bus card number in the view interface, where the bus card number is used to identify the virtual bus card and indicate that the virtual bus card is successfully opened. Referring to fig. 7E, the terminal presents the virtual bus card (i.e., the cloud traffic card) successfully opened in the view interface, and the virtual bus card includes a corresponding card number, uniquely identifies the virtual bus card, and indicates that the virtual bus card is successfully opened.

Step 604: in response to the first payment order sent over the near field communication connection, an order amount corresponding to the first payment order is deducted from the payment amount.

In practical application, after the virtual bus card is successfully opened, the user can carry out card swiping and bus taking based on the virtual bus card, specifically, the user holds the terminal to be close to the card swiping device, so that an NFC communication connection is established between the terminal and the card swiping device, the card swiping device sends a first payment order to the terminal through the near field communication connection, and the terminal deducts order amount corresponding to the first payment order from payment amount corresponding to the virtual bus card.

In some embodiments, after the terminal deducts the order amount corresponding to the first payment order from the payment amount, card swiping information and/or payment information corresponding to the virtual bus taking card is presented through a popup window; the card swiping information indicates that the card swiping is successful or fails, and the payment information indicates the order amount corresponding to the first payment order deducted by the card swiping this time. Referring to fig. 7F, after the terminal swipes the card successfully and deducts the order amount corresponding to the first payment order from the payment amount, the information of 5 yuan of card swiping success and credit granting payment is presented through a popup window.

Step 605: and sending a second payment order to the payment terminal corresponding to the payment mode based on the order amount, and deducting the order amount from the associated payment account of the target user based on the second payment order.

In practical implementation, before the terminal sends the second payment order to the payment terminal corresponding to the payment method, the terminal needs to obtain the second payment order, and in some embodiments, the terminal may obtain the second payment order by: sending a card swiping record of the corresponding virtual bus taking card containing the amount of the order; and receiving a returned second payment order generated based on the card swiping record, wherein the payment amount corresponding to the second payment order is the same as the order amount.

Illustratively, the virtual bus card client sends a card swiping record of the corresponding virtual bus card containing the amount of the order to the background server, and receives a second payment order generated based on the card swiping record and returned by the background server.

Illustratively, the applet sends the card swiping record of the corresponding virtual riding card containing the order amount to the background server of the applet, and receives a second payment order generated based on the card swiping record and returned by the background server of the applet.

In some embodiments, when the execution subject is the applet, the applet sends the second payment order to the payment terminal corresponding to the payment method based on the order amount, that is, sends the second payment order to the client running the applet, so that the client deducts the order amount from the payment account of the associated target user based on the second payment order.

Correspondingly, after the terminal deducts the amount of the order from the payment account of the associated target user, the corresponding prompt information of fee deduction success is presented, and referring to fig. 7G, the prompt information of fee deduction success with the amount of 5 yuan is presented on a payment result interface of the WeChat.

In some embodiments, after the terminal sends the second payment order to the riding payment terminal corresponding to the payment mode, the terminal receives a payment success message corresponding to the payment order; and recharging the virtual riding card based on the successful payment message, so that the balance of the virtual riding card is the same as the payment amount. That is, after each bus taking, the user firstly deducts the corresponding fare from the payment amount allocated to the virtual bus taking card of the user based on the credit degree of the user, and then deducts the fare from the related payment account, when the fare deduction is successful, the virtual bus card of the user is automatically recharged, so that the balance of the virtual bus card is the same as the initially allocated payment amount, the user can smoothly take the bus every time, the user does not need to recharge the virtual bus taking card, and the trip of the user is greatly facilitated.

In practical application, when a user swipes the virtual bus card to ride the vehicle, the terminal receives a third payment order sent by the card swiping equipment through near field communication connection to obtain the balance of the virtual bus card, and when the balance is determined to be smaller than the order amount of the third payment order, a prompt message prompting that the balance is insufficient is presented to enable the user to manually complete the fee deduction during the last time of riding the vehicle, so that the terminal can automatically recharge the virtual bus card.

In practical application, the credit degree of the user can be changed due to the increase of the consumption of the user, the change of the performance condition and the like, and at the moment, the terminal correspondingly adjusts the payment amount distributed to the virtual riding card based on the changed credit degree of the user; specifically, the terminal obtains the updated credit rating of the target user, and adjusts the payment amount allocated to the virtual riding card based on the updated credit rating of the target user.

By applying the embodiment of the invention, the corresponding payment amount is distributed to the virtual riding card of the user based on the credit degree of the user, after the user rides the bus, the corresponding riding fee is firstly deducted from the distributed payment amount, and then the riding fee is deducted from the payment account of the user, so that the experience of paying after riding the bus is brought to the user, meanwhile, the user does not need to recharge the virtual riding card, the time cost and the labor cost required by riding the user are greatly reduced, and the riding experience of the user is improved.

In some embodiments, after the terminal acquires the second payment order, the terminal may further store the second payment order to the blockchain network by combining with a blockchain technology, and specifically, the terminal performs hash processing on the second payment order to obtain an abstract of the second payment order; the digest of the second payment order is stored in the blockchain network, so that the payment terminal checks the authenticity of the second payment order received from the terminal after acquiring the second payment order from the blockchain network, which will be described in detail below.

After the terminal acquires the second payment order, generating a transaction for storing the second payment order, and sending the generated transaction to a node of the blockchain network, so that the node recognizes the transaction and stores the second payment order to the blockchain network; after receiving a second payment order sent by the terminal, the payment terminal firstly verifies the authenticity of the received second payment order before deducting the amount of the order from a payment account of a related target user, so as to execute the operation of deducting money from the payment account after the verification is passed, specifically, the payment terminal generates a transaction for obtaining the second payment order, sends the generated transaction to a node of the block chain network, so that the node can return the abstract of the second payment order to the payment terminal after the transaction is identified together, the payment terminal performs hash processing on the second payment order received from the terminal, matches the hash result with the abstract of the second payment order obtained from the block chain network, and when the matching is successful, the verification is determined to be passed.

Next, a block chain network according to an embodiment of the present invention will be described. Fig. 8 is a schematic application architecture diagram of a blockchain network according to an embodiment of the present invention, which includes a service agent 50, an authentication center 70, and a blockchain network 80 (exemplarily illustrating a consensus node 81-1 to a consensus node 81-3), which are described below.

The type of blockchain network 80 is flexible and may be, for example, any of a public chain, a private chain, or a federation chain. Taking the public link as an example, electronic devices of any business entity, such as user terminals and servers, can access the blockchain network 80 without authorization; taking a federation chain as an example, an electronic device (e.g., a terminal/server) under the jurisdiction of a service entity after obtaining authorization may access the blockchain network 80, and at this time, become a client node in the blockchain network 80.

In some embodiments, the client node may act as a mere watcher of the blockchain network 80, i.e., provides functionality to support a business entity to initiate a transaction (e.g., for uplink storage of data or querying of data on a chain), and may be implemented by default or selectively (e.g., depending on the specific business requirements of the business entity) with respect to the functions of the consensus node 81 (e.g., consensus node 81-1) of the blockchain network 80, such as a ranking function, a consensus service, and an accounting function, etc. Therefore, the data and the service processing logic of the service subject can be migrated to the block chain network 80 to the maximum extent, and the credibility and traceability of the data and service processing process are realized through the block chain network 80.

The consensus node in the blockchain network 80 receives transactions submitted by client nodes (e.g., client nodes 51 attributed to the business entity 50) from different business entities (e.g., business entity 50), executes the transactions to find and return a summary of the second payment order, and various intermediate or final results of executing the transactions may be returned to the business entity's client nodes for display.

For example, the client node 51 may subscribe to events of interest in the blockchain network 80, such as transactions occurring in a particular organization/channel in the blockchain network 80, with the consensus node 81 pushing corresponding transaction notifications to the client node 51, thereby triggering corresponding business logic in the client node 51.

An exemplary application of the blockchain is illustrated by an example where a service agent accesses the blockchain network to achieve the acquisition of the second payment order summary.

Referring to fig. 8, a service entity 50 is a payment service platform, and registers with a certificate authority 70 to obtain a digital certificate, where the digital certificate includes a public key of the service entity and a digital signature signed by the certificate authority 70 on the public key and identity information of the service entity, and is used to be attached to a transaction together with the digital signature of the service entity for the transaction, and is sent to a blockchain network, so that the blockchain network takes the digital certificate and signature from the transaction, verifies the authenticity of the message (i.e. whether the message is not tampered) and the identity information of the service entity sending the message, and verifies the blockchain network according to the identity, for example, whether the service entity has the right to initiate the transaction. Clients running on electronic devices (e.g., terminals or servers) hosted by the business entity may request access from the blockchain network 80 to become client nodes.

The client node 51 of the service agent 50 is configured to generate, upon receiving the second payment order sent by the terminal, a transaction for acquiring the digest of the second payment order stored in the blockchain, specify in the transaction the smart contract to be called to implement the acquisition operation of the digest of the second payment order, and parameters passed to the smart contract, and the transaction also carries the digital certificate of the client 51, a signed digital signature (for example, obtained by encrypting the digest of the transaction using a private key in the digital certificate of the client 51), and broadcast the transaction to the consensus node in the blockchain network 80.

When the consensus node in the blockchain network 80 receives the transaction, the digital certificate and the digital signature carried by the transaction are verified, after the verification is successful, whether the service agent 50 has the transaction right or not is determined according to the identity of the service agent 50 carried in the transaction, and the transaction failure is caused by any verification judgment of the digital signature and the right verification. After successful verification, the node's own digital signature (e.g., encrypted using the private key of node 81-1 to obtain a digest of the transaction) is signed and broadcast on the blockchain network 80.

After the consensus node in the blockchain network 80 receives the transaction successfully verified, the transaction is filled into a new block and broadcast. When a new block is broadcasted by a consensus node in the block chain network 80, a consensus process is performed on the new block, if the consensus is successful, the new block is added to the tail of the block chain stored in the new block, the state database is updated according to the transaction result, and the transaction in the new block is executed: and for the submitted transaction for acquiring the second payment order abstract, inquiring the key value pair corresponding to the second payment order abstract from the state database, and returning a transaction result.

As an example of a block chain, referring to fig. 9, fig. 9 is a schematic structural diagram of a block chain in a block chain network 80 according to an embodiment of the present invention, where a header of each block may include hash values of all transactions in the block and also include hash values of all transactions in a previous block, a record of a newly generated transaction is filled in the block and is added to a tail of the block chain after being identified by nodes in the block chain network, so as to form a chain growth, and a chain structure based on hash values between blocks ensures tamper resistance and forgery prevention of transactions in the block.

An exemplary functional architecture of a block chain network provided in the embodiment of the present invention is described below, referring to fig. 10, fig. 10 is a schematic functional architecture diagram of a block chain network 80 provided in the embodiment of the present invention, which includes an application layer 1, a consensus layer 2, a network layer 3, a data layer 4, and a resource layer 5, and the following description is separately given.

The resource layer 5 encapsulates the computational, memory and communication resources that implement each node 81 in the blockchain network 80.

The data layer 4 encapsulates various data structures that implement the ledger, including blockchains implemented as files in a file system, key-value type state databases, and presence certificates (e.g., hash trees of transactions in blocks).

The network layer 3 encapsulates the functions of a Point-to-Point (P2P) network protocol, a data propagation mechanism and a data verification mechanism, an access authentication mechanism and service body identity management.

Wherein, the P2P network protocol implements communication between nodes 81 in the blockchain network 80, the data propagation mechanism ensures propagation of transactions in the blockchain network 80, and the data verification mechanism is used for implementing reliability of data transmission between the nodes 81 based on cryptography methods (such as digital certificates, digital signatures, public/private key pairs); the access authentication mechanism is used for authenticating the identity of the service subject added into the block chain network 80 according to the actual service scene, and endowing the service subject with the authority of accessing the block chain network 80 when the authentication is passed; the business entity identity management is used to store the identity of the business entity that is allowed to access blockchain network 80, as well as the permissions (e.g., the types of transactions that can be initiated).

Consensus layer 2 encapsulates the functions of a mechanism for nodes 81 in the blockchain network 80 to agree on a block (i.e., a consensus mechanism), transaction management, and ledger management. The consensus mechanism comprises consensus algorithms such as POS, POW and DPOS, and the pluggable consensus algorithm is supported.

The transaction management is used for verifying the digital signature carried in the transaction received by the node 81, verifying the identity information of the service body, and determining whether the service body has the authority to perform the transaction (reading the relevant information from the identity management of the service body) according to the identity information; for the service entities authorized to access the blockchain network 80, the service entities have digital certificates issued by the certificate authority, and the service entities sign the submitted transactions by using the private keys in the digital certificates of the service entities, so as to declare the legal identities of the service entities.

The ledger administration is used to maintain blockchains and state databases. For the block with the consensus, adding the block to the tail of the block chain; executing the transaction in the acquired consensus block, updating the key-value pairs in the state database when the transaction comprises an update operation, querying the key-value pairs in the state database when the transaction comprises a query operation and returning a query result to the client node of the business entity. Supporting query operations for multiple dimensions of a state database, comprising: querying the chunk based on the chunk sequence number (e.g., hash value of the transaction); inquiring the block according to the block hash value; inquiring a block according to the transaction serial number; inquiring the transaction according to the transaction serial number; inquiring account data of a business main body according to an account (serial number) of the business main body; and inquiring the block chain in the channel according to the channel name.

The application layer 1 encapsulates various services that can be implemented by the blockchain network, including tracing, crediting, and verifying transactions.

Next, taking an example that a riding card applet runs in an instant messaging client to realize activation and use of a riding card, a riding payment method based on credit provided by the embodiment of the invention is continuously described. Fig. 8 is a schematic flow chart of a method for opening a virtual ride card according to an embodiment of the present invention, and referring to fig. 11, the method for opening a virtual ride card according to the embodiment of the present invention includes:

step 701: and the instant communication client runs the riding card applet.

Here, in actual implementation, the terminal has an NFC function, an instant messaging client (e.g., a wechat client) is provided on the terminal, and the car card applet is searched through an applet search function provided by the instant messaging client, and the car card applet can be run after downloading a source code thereof.

Step 702: and the ride card applet responds to the opening instruction for the virtual ride card and presents a payment authorization key for authorizing the payment mode of the corresponding virtual ride card.

In practical application, one or more virtual bus cards are presented on a small program page, namely a starting interface of the virtual bus card, for a user to select, the user selects the virtual bus card to be started, a starting instruction for the virtual bus card is triggered by clicking the displayed virtual bus card, the bus card small program responds to the starting instruction triggered by the user, a payment authorization interface is presented, and a payment authorization key for authorizing a payment mode corresponding to the virtual bus card is presented on the payment authorization interface.

In practical implementation, the ride card applet also presents a determination function item for determining a payment mode on the payment authorization interface, so as to associate the virtual ride card with the instant messaging client based on the determination function item.

Step 703: and the riding card applet responds to an authorization instruction triggered based on the payment authorization key and sends a credit degree acquisition request of the target user to the instant communication client.

Step 704: and the instant messaging client returns the credit score of the target user to the riding card applet.

Step 705: the ride card applet determines the payment limit of the virtual ride card based on the credit score of the target user.

In actual implementation, the credit rating is characterized by a credit score, and the ride card applet can determine the payment limit of the virtual ride card by:

and the riding card small program determines the scoring range of the credit score of the target user, and determines the payment amount of the virtual riding card corresponding to the target user according to the determined scoring range.

Step 706: and the ride card applet allocates corresponding payment amount to the virtual ride card based on the determined payment amount.

Step 707: and the riding card applet receives the first payment order through the near field communication connection with the card swiping equipment, and deducts the order amount corresponding to the first payment order from the payment amount.

Step 708: and the car card small program presents the card swiping information and/or payment information corresponding to the virtual car card through the popup window.

Here, the card swiping information is used for indicating card swiping success or card swiping failure, and the payment information is used for indicating the order amount corresponding to the first payment order deducted by the card swiping this time.

Step 709: and the riding card applet generates and sends a second payment order to the instant communication client based on the order amount of the first payment order.

Here, the payment amount corresponding to the second payment order is the same as the order amount.

Step 710: and the instant communication client deducts the order amount from the associated payment account of the target user.

Step 711: and the instant communication client sends a message that the payment of the second payment order is successful to the riding card applet.

Step 712: and the ride card applet recharges the virtual ride card.

In practical implementation, after the ride card applet receives the message that the second payment order is successful in payment, the ride card applet automatically recharges the virtual ride card so that the balance of the virtual ride card is the same as the determined payment limit.

By taking the example of running the riding card applet in the instant messaging client to realize the opening and the use of the riding card, the riding payment method based on the credit degree provided by the embodiment of the invention is continuously explained.

Fig. 12A and 12B are schematic diagrams of a process of opening a virtual ride card according to an embodiment of the present invention, and a process of opening a virtual ride card according to an embodiment of the present invention is described with reference to fig. 12A and 12B.

Step 801: and the instant communication client runs the riding card applet.

Here, in actual implementation, when the car card applet is run for the first time, the applet needs to be downloaded by an instant messaging client (e.g., a wechat client), that is, the source code of the car card applet is acquired, then the loading of the car card applet page is performed by the instant messaging client through interpreting the code of the car card applet, and then the car card applet can be run directly without repeated downloading in the use process of the car card applet.

Step 802: the riding card applet detection terminal has an NFC function.

Here, in actual implementation, the car card applet may detect the NFC function of the terminal by detecting the NFC function interface.

Step 803: the user applies for opening the all-purpose card.

The one-card is a virtual bus card, a plurality of available one-card can be presented on a bus card applet page, and a user triggers an opening instruction for the one-card through clicking operation for the selected one-card.

Step 804: and the riding card applet sends a signing secret-free payment request to the instant messaging client.

In actual implementation, after a user triggers an opening instruction for one card, the applet realizes that a page jumps to an "open secret payment free" interface (namely, a payment authorization interface in the foregoing embodiment), and when the user clicks a "open secret payment free" button displayed in the interface, the applet triggers the card-by-vehicle applet to send a signing secret payment free request to the instant messaging client.

Step 805: the instant communication client returns the successful signing message to the small riding card program.

Here, after the instant messaging client receives the contract-signing password-free payment request sent by the riding card applet, the instant messaging client associates the corresponding one-card with the selected fee deduction mode so as to carry out fee deduction instead after the user rides the car.

Step 806: and the car card applet presents a successful signing message.

And when the riding card applet receives the signing success message returned by the instant communication client, correspondingly, the signing success message is presented to the user.

Step 807: and inquiring user information by the car card applet to give credit.

Specifically, the riding card applet obtains user information from the instant messaging client, for example, obtains a credit score of the user, and then allocates a corresponding payment amount to the one-card of the user based on the credit score of the user, wherein in practical applications, the higher the credit score of the user is, the higher the payment amount of the corresponding allocated one-card is.

Step 808: and (5) the bus card applet successfully grants the credit, and the card opening success information is presented.

In practical implementation, after the riding card applet allocates corresponding payment amount to the one-card of the user, information of successful credit granting and successful card opening is displayed to the user respectively.

Fig. 13A and 13B are schematic diagrams of a process for using a virtual ride card according to an embodiment of the present invention, and a process for using a virtual ride card according to an embodiment of the present invention is described with reference to fig. 13A and 13B.

Step 901: the one-card cloud server charges the one-card in advance.

After the user's one-card is successfully credited, the one-card of the user is automatically charged based on the credit degree (such as credit score) of the user, that is, the corresponding payment amount is allocated to the one-card of the user.

Step 902: and entering a one-card applet.

In practical application, when a user needs to use a successfully opened one-card to carry out bus payment, the user triggers the instant messaging client to operate the one-card applet.

Step 903: the one-card applet detection terminal has an NFC function.

Step 904: the user triggers and requests the data of the one-card.

Here, in actual implementation, the user triggers to request the one-card data by clicking on the presented one-card.

Step 905: the one-card applet requests the one-card data from the one-card cloud server.

Step 906: and the one-card-through cloud server issues one-card-through data to the one-card applet.

Step 907: the one-card applet presents the one-card data to the user.

Step 908: the gate sends a deduction success message to a card small program.

When the user mobile phone is close to the card swiping induction part of the gate machine, the gate machine deducts the bus fee in the one-card through NFC connection between the gate machine and the one-card applet.

Step 909: the one-card small program displays a popup window of 'card swiping success'.

In practical implementation, after the one-card is successfully deducted, the balance of the one-card is deducted correspondingly.

Step 910: the one-card applet generates a recharge order.

In practical implementation, the one-card small program generates a corresponding recharging order based on the information of the successful deduction transmitted by the gate extension.

Step 911: and the one-card small program sends the recharging order to the instant communication client.

Step 912: the instant communication client initiates the withholding.

In practical implementation, after receiving the recharging order sent by the one-card applet, the instant messaging client deducts corresponding riding cost from the account of the associated user.

Step 913: and the instant communication client sends a payment success message to the all-purpose card applet.

Step 914: the one-card applet presents a payment success message to the user.

Step 915: and the one-card applet sends the recharging success order to the one-card cloud server.

Step 916: the one-card-through cloud server recharges the one-card-through cloud server.

The explanation of the bus taking payment device based on credit provided by the embodiment of the invention is continued. Fig. 14 is a schematic structural diagram of a component of a credit-based ride payment device according to an embodiment of the present invention, and referring to fig. 14, a credit-based ride payment device 455 according to an embodiment of the present invention includes:

the display module 4551 is configured to, in response to a provisioning instruction for a virtual riding card, present a payment authorization key for authorizing a payment method corresponding to the virtual riding card;

an obtaining module 4552, configured to obtain, in response to an authorization instruction triggered based on the payment authorization key, a credit of a target user associated with the virtual riding card;

an allocating module 4553, configured to allocate a corresponding payment amount to the virtual riding card based on the credit of the target user;

a payment module 4554, configured to deduct an order amount corresponding to a first payment order from the payment amount in response to the first payment order sent through the near field communication connection;

a sending module 4555, configured to send a second payment order to the payment terminal corresponding to the payment method based on the order amount, so as to deduct the order amount from the associated payment account of the target user based on the second payment order.

In some embodiments, the apparatus further comprises an association module;

In some embodiments, the obtaining module is further configured to send a credit obtaining request corresponding to the target user;

In some embodiments, the obtaining module is further configured to send, by a child application, the credit obtaining request to a parent application running the child application.

In some embodiments, the allocation module is further configured to determine a payment amount of the virtual riding card based on the credit degree of the target user, a mapping relationship between the credit degree and the payment amount;

In some embodiments, the display module is further configured to present the virtual ride card including a ride card number in a view interface, where the ride card number is used to identify the virtual ride card and indicate that the virtual ride card is successfully provided.

In some embodiments, the display module is further configured to present card swiping information and/or payment information corresponding to the virtual riding card through a popup window.

In some embodiments, the obtaining module is further configured to send a card swiping record corresponding to the virtual riding card, the card swiping record including the amount of the order;

In some embodiments, the apparatus further comprises:

In some embodiments, the payment module is further configured to obtain a balance of the virtual ride card in response to a third payment order sent over a near field communication connection;

In some embodiments, the obtaining module is further configured to obtain updated credit of the target user;

In some embodiments, the apparatus further comprises a detection module;

Here, it should be noted that: the above description related to the apparatus is similar to the above description of the method, and for the technical details not disclosed in the apparatus according to the embodiment of the present invention, please refer to the description of the method embodiment of the present invention.

An embodiment of the present invention further provides an electronic device, where the electronic device includes:

a memory for storing an executable program;

and the processor is used for realizing the bus taking payment method based on the credit degree provided by the embodiment of the invention when the executable program stored in the memory is executed.

Embodiments of the present invention further provide a storage medium storing executable instructions, where the executable instructions are stored, and when executed by a processor, will cause the processor to execute the bus taking payment method based on credit provided by the embodiments of the present invention.

All or part of the steps of the embodiments may be implemented by hardware related to program instructions, and the program may be stored in a computer readable storage medium, and when executed, the program performs the steps including the method embodiments; and the aforementioned storage medium includes: various media that can store program codes, such as a removable Memory device, a Random Access Memory (RAM), a Read-Only Memory (ROM), a magnetic disk, and an optical disk.

Alternatively, the integrated unit of the present invention may be stored in a computer-readable storage medium if it is implemented in the form of a software functional module and sold or used as a separate product. Based on such understanding, the technical solutions of the embodiments of the present invention may be embodied in the form of a software product, which is stored in a storage medium and includes instructions for causing a computer device (which may be a personal computer, a server, or a network device) to execute all or part of the methods described in the embodiments of the present invention. And the aforementioned storage medium includes: a removable storage device, a RAM, a ROM, a magnetic or optical disk, or various other media that can store program code.

The above description is only for the specific embodiments of the present invention, but the scope of the present invention is not limited thereto, and any person skilled in the art can easily conceive of the changes or substitutions within the technical scope of the present invention, and all the changes or substitutions should be covered within the scope of the present invention. Therefore, the protection scope of the present invention shall be subject to the protection scope of the appended claims.

Claims

1. A credit-based ride payment method, the method comprising:

2. The method of claim 1, further comprising:

presenting a payment rule corresponding to the payment mode and a determination function item for determining the payment mode;

and responding to an operation instruction aiming at the determined function item triggered according to the payment rule, and associating the virtual riding card with a payment end corresponding to the payment mode.

3. The method of claim 1, wherein the obtaining the credit for the target user associated with the virtual ride card comprises:

sending a credit acquisition request corresponding to the target user;

4. The method of claim 3, wherein sending the request for credit acquisition for the target user comprises:

and sending the credit acquisition request to a parent application program running the child application program through the child application program.

5. The method of claim 1, wherein the allocating a corresponding payment amount for the virtual ride card based on the credit rating of the target user comprises:

determining the payment amount of the virtual riding card based on the credit degree of the target user, the mapping relation between the credit degree and the payment amount;

6. The method of claim 1, wherein after assigning the respective payment amount to the virtual ride card, the method further comprises:

and displaying the virtual bus card containing the bus card number in a view interface, wherein the bus card number is used for identifying the virtual bus card and indicating that the virtual bus card is successfully opened.

7. The method of claim 1, wherein after deducting an order amount corresponding to the first payment order from the payment amount, the method further comprises:

and presenting the card swiping information and/or payment information corresponding to the virtual bus taking card through a popup window.

8. The method of claim 1, wherein before sending the second payment order to the ride payment terminal corresponding to the payment method, the method further comprises:

sending a card swiping record containing the amount of the order and corresponding to the virtual riding card;

9. The method of claim 1, wherein after sending the second payment order to the ride payment terminal corresponding to the payment method, the method further comprises:

receiving a payment success message corresponding to the second payment order;

10. The method of claim 1, further comprising:

responding to a third payment order sent through the near field communication connection, and acquiring the balance of the virtual riding card;

and when the balance is less than the order amount of the third payment order, presenting a prompt message prompting that the balance is insufficient.

11. The method of claim 1, further comprising:

acquiring the updated credit degree of the target user;

adjusting the payment amount allocated to the virtual riding card based on the updated credit rating of the target user.

12. The method according to any one of claims 1 to 11, further comprising:

performing hash processing on the second payment order to obtain an abstract of the second payment order;

storing the summary of the second payment order to a blockchain network.

13. A credit-based ride payment device, the device comprising:

14. An electronic device, characterized in that the electronic device comprises:

a memory for storing an executable program;

a processor for implementing a credit-based ride payment method according to any one of claims 1 to 12 when executing an executable program stored in the memory.

15. A storage medium storing an executable program which, when executed by a processor, implements a credit-based ride payment method according to any one of claims 1 to 12.