CN113034124B - Traffic two-dimensional code cross-region transaction clearing and settlement method and system - Google Patents
Traffic two-dimensional code cross-region transaction clearing and settlement method and system Download PDFInfo
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Abstract
A traffic two-dimension code cross-region transaction clearing settlement method and a system thereof comprise the following steps: the code scanning terminal reads the generated two-dimension code information and uploads the two-dimension code transaction information to an acquiring mechanism; the acquiring mechanism uploads the cross-regional transaction data file to a designated FTP directory; the system clearing center clears the transaction data, packs the transaction clearing result into a plurality of FB files in quasi-real time according to a receiving mechanism, packs the FB files into a plurality of local-city codebook province and foreign-city consumption clearing feedback files CH according to a card issuing mechanism, and uploads the FB files to a designated FTP directory; the receiving mechanism downloads the FB file from the appointed FTP directory, and the code sending mechanism downloads the local codebook province and foreign city consumption clearing feedback file CH from the appointed FTP directory; and the system clearing center carries out transaction amount settlement with the acquiring mechanism and the code sending mechanism according to the effective data in the provincial and foreign city consumption clearing feedback file CH of the local city codebook. The invention can ensure the safety and the sharing of data transmission, and can realize cross-region code scanning riding, fee deduction and fund settlement through the two-dimensional code generation software.
Description
Technical Field
The invention relates to the technical field of traffic computing, in particular to a traffic two-dimension code cross-region transaction clearing and settlement method and system.
Background
The two-dimensional code is an information technology capable of realizing automatic information identification, information storage and information tracking, has the characteristics of high information density, wide coding range, strong fault tolerance, high accuracy, simple manufacture, low cost and the like, and has certain spatial flexibility, so that the two-dimensional code becomes a powerful carrier for storing and transmitting financial information and data. In recent years, two-dimensional code payment plays an increasingly important role in daily life of people, including the traffic payment industry, more and more traffic services such as urban subways, public buses and the like adopt riding and brushing two-dimensional codes, and riding information is identified and settlement and fee deduction are carried out through the two-dimensional codes. However, in the clearing and settling processing flow of the cross-regional transaction data of the traffic two-dimensional code, each region only clears and settles local two-dimensional code transactions, and in an actual application scene, a user needs to download local special two-dimensional code generation software to be able to use the two-dimensional code to deduct fare and settle bus riding, which brings inconvenience to cross-regional bus riding and is not beneficial to interconnection and intercommunication among intercity regions.
Disclosure of Invention
The invention aims to overcome the defects of the prior art and provides a method and a system for clearing and settling the traffic two-dimension code cross-region trading, which can realize cross-region code scanning riding, fee deduction and fund settlement through one two-dimension code generation software among different regions.
The invention is realized by the following technical scheme:
a traffic two-dimension code cross-region transaction clearing settlement method comprises the following steps:
the bus taking two-dimensional code is generated by a bus taking application program installed on the intelligent mobile terminal, when a bus is taken, the code scanning terminal reads the two-dimensional code information, then charging fee deduction transaction and release operation are carried out according to the two-dimensional code information, and the code scanning terminal uploads the two-dimensional code transaction information to the receiving mechanism background at regular time.
The receiving organization background collects, arranges and classifies the two-dimension code transaction data, and uploads the local two-dimension code transaction data to a local clearing center to which the receiving organization belongs, and the local clearing center is responsible for clearing the local two-dimension code data; and uploading the cross-region two-dimensional code transaction data to a directory corresponding to the acquiring mechanism on the FTP server.
The system clearing center clears cross-region two-dimensional code transaction data from the FTP directory according to preset clearing rules, packs cross-region two-dimensional code transaction clearing results into a plurality of clearing result files FB according to a receiving mechanism in quasi-real time, packs cross-region two-dimensional code transaction clearing results into a plurality of local-city codebook province and foreign-city consumption clearing feedback files CH according to a code sending mechanism, and uploads each FB file and each local-city codebook province and foreign-city consumption clearing feedback file CH to the FTP server and belongs to directories corresponding to each receiving mechanism and each code sending mechanism. The list of the various acquirer and the various code-issuing entities on the FTP server may be specified by the system clearinghouse.
The acquirer logs in the FTP server by using the FTP user name and the password distributed to the acquirer, and downloads the clearing result file FB in the FTP directory specified by the acquirer.
The code sending mechanism logs in the FTP server by using the FTP user name and the password which are distributed to the code sending mechanism, and downloads the local market code province and foreign market consumption clearing feedback file CH from the FTP directory specified by the code sending mechanism.
And the system clearing center carries out transaction amount settlement with the acquiring mechanism and the code sending mechanism according to the effective data in the provincial city consumption clearing feedback file CH of the local city codebook.
Further, when the system clearing center clears the cross-region two-dimensional code transaction data from the FTP directory according to a preset clearing rule, the method further comprises the following steps: the system clearing center analyzes the two-dimension code transaction data according to the interface specification, verifies the MAC of the analyzed cross-region two-dimension code transaction data, and determines the transaction data to be valid if the verification is passed and determines the transaction data to be invalid if the verification is not passed.
Further, when the system clearing center clears the cross-region two-dimensional code transaction data from the FTP directory according to a preset clearing rule, various logs and early warning information need to be recorded, and then the system server automatically or manually reminds and informs passengers, the order receiving mechanism and the code sending mechanism in time in a mail or mobile phone short message mode.
Further, the process that the system clearing center clears the cross-region two-dimensional code transaction data from the FTP directory according to the preset clearing rule further comprises the following steps: file processing, data preprocessing, suspended data checking, exception processing and data checking.
Furthermore, when the code scanning terminal reads the two-dimensional code information, the two-dimensional code needs to be checked, including digital certificate checking, user identity verification and timestamp verification.
Further, the two-dimensional code information comprises key information, user certificate information, timestamp verification information and account balance information, the user certificate information comprises user identity information, a service life and a payment mode, and the timestamp verification information comprises two-dimensional code generation time information and valid time information.
Further, the two-dimensional code transaction information comprises a code scanning terminal number, user identity information, a user certificate service life, two-dimensional code generation time, two-dimensional code valid time, 8 bytes after a user certificate is signed, code scanning time of the code scanning terminal, a transaction mode, an amount of money and TAC.
A traffic two-dimensional code cross-regional transaction clearing and settlement system is used for the traffic two-dimensional code cross-regional transaction clearing and settlement method and comprises a receiving mechanism, a code sending mechanism, a system clearing center, an FTP server and a system server.
The FTP server is responsible for data transfer of the receipt mechanism, the code sending mechanism and the system clearing center.
The order receiving mechanism is responsible for scanning the two-dimension codes of the bus, collecting transaction data, uploading the transaction data to a specified directory on the FTP server, downloading a clearing result file FB from the specified directory on the FTP server, and carrying out transaction settlement with each code sending mechanism; the order receiving mechanism comprises a code scanning terminal, an order receiving mechanism background, a database and an executive program; the code scanning terminal is used for scanning the riding two-dimensional code generated by the user, analyzing the scanned riding two-dimensional code, verifying the legality and validity of the riding two-dimensional code, charging, deducting and releasing according to transaction information, judging whether to keep accounts according to payment rules, and uploading transaction data of the two-dimensional code to a background of an acquiring organization at regular intervals; the backstage of each receiving mechanism is responsible for processing two-dimensional code transaction data and settlement, such as sorting and classifying the two-dimensional code transaction data uploaded by the code scanning terminal, uploading the cross-region two-dimensional code transaction data to a corresponding directory on the FTP server, extracting a clearing result file FB from the corresponding FTP directory, obtaining a clearing file after information extraction, classification and combination, and clearing the cross-region transaction amount with each code sending mechanism.
And the code sending mechanism is responsible for issuing the two-dimensional code, downloading the local market codebook province and foreign market consumption clearing feedback file CH from a directory specified on the FTP server, and verifying the clearing transaction data.
The system clearing center is responsible for clearing the cross-regional two-dimensional code transaction data, splitting clearing result data according to an acquiring mechanism and a code sending mechanism, and storing the split transaction result data in a specified FTP (file transfer protocol) directory according to the acquiring mechanism and the code sending mechanism; the system clearing center comprises a security authentication module, a storage module and a clearing data processing module, wherein the security authentication module is used for verifying the two-dimensional code transaction data, and the storage module is used for storing information of each acquiring organization and each code sending organization, the two-dimensional code transaction data uploaded by each acquiring organization and clearing result data after clearing; the clearing data processing module is responsible for processing various clearing files from the FTP server, including two-dimension code transaction data files, and storing the clearing files in a database after clearing.
The system server is responsible for configuration, operation and management of the system.
The invention sets FTP server and system clearing center in the system, and carries out data interaction for the cross-regional two-dimensional code transaction data and the transaction result file in the form of FTP, thus ensuring the security and the sharing of data transmission.
Drawings
FIG. 1 is a flow chart of a clearing settlement method according to an embodiment of the present invention.
FIG. 2 is a flow chart of the steps of the clearing settlement method according to the embodiment of the invention.
Fig. 3 is a frame structure diagram of the clearing settlement system according to the embodiment of the present invention.
Detailed Description
A traffic two-dimension code cross-region transaction clearing settlement method is shown in figures 1 and 2 and comprises the following steps:
(1) The bus taking application program installed on the intelligent mobile terminal generates a bus taking two-dimensional code, when a bus takes, the code scanning terminal reads two-dimensional code information, then charging fee deduction transaction and release operation are carried out according to the two-dimensional code information, and each code scanning terminal uploads the two-dimensional code transaction information to the background of the acquiring organization at regular time. The code scanning terminal is arranged at the front end of each acquiring organization, the acquiring organization generally refers to a traffic service part, such as a public transport company, a subway company and the like, and the services are generally divided and settled according to traffic service types and city areas.
By adopting a money collection code scanning mode, a passenger generates a riding two-dimensional code through a riding application program (such as WeChat, 12306 and the like) on a mobile terminal, and the passenger scans and analyzes the riding two-dimensional code through a code scanning terminal of a traffic service. In the process of generating the two-dimensional code, the two-dimensional code generation software automatically implants a high-security secret key, and then is packaged by a binding party (a bank and a third party payment platform).
The two-dimension code information mainly comprises key information, user certificate information, timestamp verification information, account balance information and the like. The user certificate information comprises user identity information, service life, payment mode and other information, the information can be signed by using a private key, the user certificate is applied to a code issuing organization by a bus application program, and the code issuing organization issues the user certificate. The timestamp verification information specifically comprises two-dimension code generation time information and effective time information, the time information can be encrypted by using a secret key, an MAC verification value is calculated and obtained and is used as a part of two-dimension code timestamp verification data, after the timestamp verification information is held, the effective time of the two-dimension code data generated by a user can be effectively controlled, the purpose of the method is to prevent the two-dimension code of the user from being stolen and brushed maliciously, and the systematic risk is fundamentally avoided.
The two-dimensional code for riding can be generated and verified through an asymmetric encryption algorithm, and authenticity, validity and safety of the two-dimensional code are guaranteed. The asymmetric encryption algorithm comprises an asymmetric key pair of a public key and a private key, the asymmetric key pair is safely generated by a code sending organization, the private key is used for signature calculation of certificate data, the public key is used for signature verification of a certificate, and the public key is downloaded to a terminal through an interface.
The code scanning terminal reads two-dimensional code information, a special secret key is arranged on the code scanning terminal device, code scanning reading transaction is carried out on the special two-dimensional code, and a terminal secret key is achieved. The code scanning terminal needs to check the two-dimensional code, and then uploads the read two-dimensional code information and the read transaction information to the acquirer background, and uploading time is set by the system.
When the two-dimensional code is verified, firstly, the two-dimensional code is verified by a digital certificate, and whether the digital certificate is a user certificate issued by a system is checked and verified; and if the verification fails, judging that the two-dimensional code swiping fails. Secondly, extracting user identity information in the certificate, and judging whether the user is a blacklist management user; if the user is a blacklisted user, the result is also a code swiping failure. Meanwhile, the whole system sets effective time limit on each two-dimensional code, so that the problem that the two-dimensional code is stolen and brushed can be effectively prevented, and the code scanning terminal reads information such as a timestamp contained in the two-dimensional code and judges whether the two-dimensional code is in an effective time range by combining terminal time (timing correction); if not, the code swiping fails. In order to reduce uncontrollable system loss caused by abnormal conditions, the system sets the limit for each transaction of each two-dimensional code; when the code is refreshed, whether the transaction meets the limit or not is judged according to the limit information in the two-dimensional code, and if not, the code refreshing is failed; if yes, the code swiping is successful.
And after the code scanning terminal confirms the validity of the two-dimensional bus code through a series of verification, charging is carried out according to the read two-dimensional code information and the corresponding charging rule, fee deduction is carried out according to the payment mode of the two-dimensional bus code, and after the fee deduction is successful, the code scanning is successful, and releasing operation is carried out. When the code scanning is successful, the verification result can be displayed on the code scanning display screen, the code scanning record is stored in real time, and the acquired transaction data is uploaded to a background system of the acquirer at the set time. For two-dimension code riding of a bus, when a bus is on-board by swiping a code, if the two-dimension code verification is effective, the fee is directly deducted from a payment account of the two-dimension code, the code scanning success is prompted, and a code scanning terminal records a transaction message. For two-dimensional code riding of a subway, when a user swipes a code and enters a station, after the code scanning terminal verifies the validity of the two-dimensional code, the user opens a brake and releases the two-dimensional code, and records of entering the station are stored; when the two-dimension code is swiped out of the station, the code scanning terminal verifies the validity of the two-dimension code again, charges are carried out according to the entry record of the two-dimension code, the fee is deducted from the payment account of the two-dimension code, the gate is opened and the transaction information is recorded after the fee is successfully deducted.
The data items of the transaction information comprise code scanning terminal numbers, user identity information, user certificate service life, two-dimensional code generation time, two-dimensional code valid time, 8 bytes after user certificate signature, code scanning time of the code scanning terminal, transaction modes, money and TAC.
(2) The receiving organization background collects, arranges and classifies the two-dimension code transaction data, and uploads the local two-dimension code transaction data to a local clearing center to which the receiving organization belongs, and the local clearing center is responsible for clearing the local two-dimension code data; and uploading the cross-region two-dimensional code transaction data to a directory corresponding to the acquiring mechanism on the FTP server.
The data among all mechanisms of the invention are transmitted in an FTP mode, and in order to ensure the safety of the data, the FTP adopts a user isolation mode, configures different FTP virtual user names and passwords according to different areas, and appoints respective FTP root directories. The users of each mechanism need to arrange the interactive data into compressed packets meeting the format and data specification according to the requirement of the sorting rule, and then upload the compressed packets to the corresponding FTP directories, or download corresponding files from the corresponding FTP directories. Software is required to be built on the FTP server and each user end, the FTP generates a virtual link for control messages through TCP, and then a separate TCP connection is generated for data transmission between the server and each user end.
When the receipt mechanism uploads the two-dimensional code transaction data, the FTP user name and the password which are allocated to the receipt mechanism are used for logging in the FTP server, the data are uploaded to the appointed FTP directory, and the system clearing center pulls the data packet from the FTP directory through the FTP protocol for clearing processing.
(3) And after receiving the cross-region two-dimension code transaction file, the system clearing center regularly clears the two-dimension code transaction data. The system clearing center firstly analyzes the two-dimension code transaction data from the FTP directory according to the interface specification, the analyzed transaction data file needs to be subjected to MAC verification, if the verification is passed, the transaction data file is judged to be valid, and if the verification is not passed, the transaction data file is judged to be invalid. And clearing the effective two-dimension code transaction data according to the two-dimension code transaction data and a preset clearing rule.
The two-dimensional code transaction data is uploaded by each receiving organization, so that the clearing result data comprises the transaction data obtained by the two-dimensional codes issued by each code issuing organization, and the clearing result data needs to be subjected to attribution processing according to the code issuing organization. The system clearing center extracts a transaction formula in a settlement protocol according to a transaction event code determined by a settlement request to perform operation, confirms the transaction amount, packs the clearing result of transaction detail into a plurality of FB files according to a receiving mechanism in quasi-real time, packs a plurality of consumption clearing feedback files CH of local-market codebooks for provinces and foreign markets according to a code sending mechanism, packs data belonging to a receiving mechanism into one FB file, and the code sending mechanism generally takes the same city as a management unit and a settlement unit, so that the consumption clearing feedback file CH of the local-market codebooks for provinces and foreign markets belonging to the city of the data sending mechanism is uploaded to a directory corresponding to each receiving mechanism and each code sending mechanism on an FTP server. The list of the various acquirer and the various code-issuing entities on the FTP server may be specified by the system clearinghouse.
The system clearing center can settle accounts according to different traffic service types (such as types of buses, subways, urban rails and the like) and different deduction modes respectively. When the day is finished, the statistics and settlement are carried out on the detail corresponding to all FB files (CL) on the day and the adjusted detail, and CR, BP, LD and CH files are generated and issued.
(4) The acquirer logs in the FTP server by using the FTP user name and the password distributed to the acquirer, and downloads the clearing result file FB in the FTP directory specified by the acquirer.
(5) The code sending mechanism logs in the FTP server by using the FTP user name and the password distributed to the code sending mechanism, and downloads the local-market codebook province city and foreign city consumption clearing feedback file CH from the FTP directory specified by the code sending mechanism.
(6) And the system clearing center carries out transaction amount settlement with the acquiring mechanism and the code sending mechanism according to the effective data in the provincial and foreign city consumption clearing feedback file CH of the local city codebook. The code sending mechanism receives the provincial and foreign city consumption clearing feedback file CH of the local city codebook, converts the file into a cash order after verification and issuing the cash order to the financial payment mechanism bound by the passenger, and the financial payment mechanism transfers and exchanges the cash in time according to the cash order.
The three key points of data interaction by adopting FTP among the mechanisms are as follows: the first is the breakpoint continuous transmission of the FTP file, the second is the protection of the FTP server for uploading the data file, and the third is that the system clearing center needs to be informed to start to execute clearing settlement after uploading the file.
The breakpoint continuous transmission of the FTP file records the size of the received file, judges whether the size of the file is larger than the size of the file which is accepted when the file is uploaded again, and continues to receive the file from the size of the file which is accepted if the size of the file is larger than the size of the file which is accepted.
The protection of the uploaded data files adopts an FTP user isolation method, and each user only allows the files to be uploaded to a folder under the directory of the user and downloaded to the files in the folder under the directory of the user. And only the uploading operation is allowed for the uploaded directory, and the operations of downloading, deleting, renaming and the like of the file are not allowed for the user. The downloaded folder path does not allow the user to upload, delete, rename files, etc.
The file uploaded by the FTP timely informs a system clearing center that processing is carried out by adding a monitoring program in a root path of the FTP, when a receiving mechanism uploads the file to the FTP, the monitoring program needs to know whether the file is uploaded completely, distinguish attributes of the uploaded file, uploading users, uploading time and a relative uploading path, and then inform a corresponding processing flow to process the data file.
Various logs and early warning information need to be recorded in the clearing process, and then the system clearing center automatically or manually reminds and informs passengers, an order receiving mechanism and a code sending mechanism in time in a mode of mails or short messages of mobile phones and the like. The acquiring mechanism does not upload the two-dimension code transaction data on time and needs to be reminded in time; the file packet name and the data file name in the data packet do not accord with the regulation in the data exchange standard, and the early warning information is recorded and is notified to the system server at the first time; in the clearing process, the number of error records is up to 1%, early warning information is recorded and a system server is notified at the first time; in the clearing process, the number of error records is up to 10%, the file is sent back for retransmission, the early warning information is recorded, and the system server is informed at the first time.
The clearing process can be divided into five processes of file processing, data preprocessing, suspended data checking, exception processing and data checking from the whole process.
The file processing is to judge the validity of all the data packets uploaded to the FTP from the perspective of the data packets and the files in the packets. If an invalid compression packet occurs, the user needs to be informed to upload the compression packet again in time. For the compressed packet processed by the file, all data in the compressed packet is handed to data preprocessing for validity check of the data. The nodes for checking all files comprise FTP file integrity check, file package base check, file package internal integrity check, package internal file base check and package internal file row format check. For transaction data files, in-file repeatability checks and in-file up and down checks are also required. The verification content comprises a file format, a file name identifier, a file name length, a mechanism code in the file name, a serial number in the file name and a time format in the file name. The file structure transmitted between the system clearing center and each acquiring mechanism and each code sending mechanism comprises: a pipeline file structure and a sequence mechanism. And judging whether the file is a transaction interface file or not according to the file identifier in the file name, if so, performing sequential file structure verification processing on the file, otherwise, performing flow file structure verification processing, and notifying a file sender of the file of which the verification fails.
The data preprocessing is to check each line of data in the file processed by the file to judge the validity of the data. According to different check types, data preprocessing can be divided into field basis check, ticket validity check, TAC (contact location and access control) check, delayed uploading check and historical data duplicate check. And judging that all the verified records pass the verification as valid records, and performing file storage and statistics on the valid records according to the source files. And judging whether abnormal or invalid data exists, and distributing the data to an abnormal processing flow.
Exception handling is the stage of decision processing of invalid data generated in the stages of file processing and data preprocessing or data for which some check is erroneous. When data is processed abnormally, firstly, whether abnormal data of the whole file reaches 10% of the data amount of the file or not is judged. If 10%, the data of the processed file packet needs to be cleaned out of the system, and the data of the file packet stops being processed, and the user is informed to retransmit the data. If the abnormal data reaches 1%, a warning notice is sent. Then, the abnormal state of the data is checked to determine whether the data is suspended or invalid. Records marked as invalid are stored in a database and the reason for the invalidity is marked. For the suspended data, the suspended state of the data and all suspension reasons needing to be processed are marked, then the data are stored in a suspended data table, and the suspended data are checked in the later period.
The suspended data checking is mainly divided into pen-up and pen-down checking of suspended records, manual processing of suspended data and historical duplication checking converted into effective suspended records.
The on-off check of the suspended data is to check whether the suspended record has a valid on-record and the pre-transaction balance of the suspended record is equal to the balance of the on-record, and then check whether the suspended record has a valid off-record and the balance of the suspended record is equal to the pre-transaction balance of the off-record. The record which fails the check is directly marked as an invalid record and stored in an invalid record table.
The record passing the up-down pen check needs to be judged whether the record needs to be processed manually or not. If manual processing is required, the record is marked for manual processing and an interface is provided for user processing. The record marked as invalid when processed by the user is directly transferred to the invalid record table.
And checking the effective records of the suspended rotor without manual processing and the effective records marked as effective records and the effective records of the history during manual processing according to the fields of the check. When repeated records occur, the data with effective suspension rotation is directly judged as invalid records and stored in an invalid record table.
The data check provides one layer of guarantee for transaction data. Some problems which are not concerned in the data preprocessing process can be found through checking, such as balance overflow checking, transaction threshold abnormal checking and the like.
The balance overflow check is that for a single two-dimensional code account, all value adding and value subtracting operations of history must be accumulated, and when the value adding operation is performed, the balance overflow is called as the balance overflow. The data range to be accumulated is data which is judged to be valid by preprocessing, data which is judged to be suspended by preprocessing, invalid data which is converted into valid data when individual case is checked, data which is generated by searching missing records, data which is converted into invalid data when data is checked, and valid data which is converted into invalid data when data is checked. When the balance is overflowed, the records which do not accord with the generalized balance are listed, and manual processing is informed in time. And when the balance overflow of the two-dimensional code account is not manually processed, stopping the automatic check of the two-dimensional code account.
The transaction threshold abnormity is divided into threshold abnormity increase and threshold abnormity decrease. And ordering the same two-dimension code account number according to the transaction count and the transaction time, wherein the increment of the joint multiplication counter is larger than the increment of the joint count of the two-dimension code account number, and the threshold of the two-dimension code account number is considered to be abnormally increased. And ordering the same two-dimension code account according to transaction count and transaction time, wherein the joint multiplication counter of the lower stroke is smaller than that of the upper stroke, and the threshold of the two-dimension code account is considered to be abnormally smaller.
A traffic two-dimensional code cross-regional transaction clearing settlement system is shown in figure 3 and comprises a receiving mechanism, a code sending mechanism, a system clearing center, an FTP server and a system server;
the order receiving mechanism is responsible for scanning the two-dimension codes of the bus, collecting transaction data, uploading the transaction data to a specified directory on the FTP server, downloading a clearing result file FB from the specified directory on the FTP server, and carrying out transaction settlement with each code sending mechanism; the order collecting mechanism comprises a code scanning terminal and an order collecting mechanism background; the code scanning terminal is used for scanning the riding two-dimensional code generated by the user, analyzing the scanned riding two-dimensional code, verifying the legality and validity of the riding two-dimensional code, charging, deducting and releasing according to transaction information, judging whether to keep accounts according to payment rules and uploading two-dimensional code transaction data to a background of an acquiring organization at regular intervals; each acquiring organization is distributed in each traffic service field and each place of the transaction clearing and settlement system, such as public transport companies, subway companies, urban rail companies, rental companies and the like in each city. The backstage supporter of each receiving organization is responsible for processing the two-dimensional code transaction data and settlement, such as the two-dimensional code transaction data uploaded by the sorting and classifying code scanning terminal, uploading the cross-region two-dimensional code transaction data to a corresponding directory on the FTP server, extracting a clearing result file FB from the corresponding FTP directory, obtaining clearing files after extracting information, classifying and combining, and storing various clearing files, including local transaction data and cross-region transaction data.
And the code sending mechanism is responsible for issuing the two-dimensional codes, downloading the local market codebook province and foreign market consumption clearing feedback file CH from a directory specified on the FTP server, and verifying clearing transaction data. The two-dimensional code is generally generated by a riding application program on a passenger mobile phone, and the riding application program applies for a user certificate to a code sending organization and downloads MAC and TAC keys required by generating the two-dimensional code. And the code sending mechanism is responsible for the safety of the MAC root key and the trueness and accuracy of the payment verification process. The passenger can generate the two-dimension code through the riding application program, pay for riding, inquire the transaction record and the like.
The system clearing center is responsible for clearing the trans-regional transaction data, splitting clearing result data according to the acquiring mechanism and the code sending mechanism, and storing the split transaction result data in a specified FTP directory according to the acquiring mechanism and the code sending mechanism. The system clearing center comprises a security authentication module, a storage module and a clearing data processing module, wherein the security authentication module is used for verifying the two-dimensional code transaction data, and the storage module is used for storing information of each acquiring organization and each code sending organization, the two-dimensional code transaction data uploaded by each acquiring organization, clearing result data after clearing and the like.
The clearing data processing module is mainly used for processing clearing interface files from the FTP server, and the types of the clearing interface files comprise: a consumption processed file list file LD, an off-line consumption clearing detail file CL, a consumption clearing feedback file FB, a consumption dispute transaction adjustment detail file AD, a consumption clearing result detail file CR, an accounting notification file FN, an income and expense file BP, an uploading blacklist file UC, an issuing blacklist file DC, a whitelist issuing file BN, an error code issuing file ER and an error processing file ED. The module mainly extracts clearing file data, stores a database, extracts and distributes files from the database, generates a new clearing file according to a mechanism, and stores the file database.
FTP server: the system transfer method comprises the steps that the receiving mechanisms upload two-dimensional code transaction data files and other files to corresponding directories on an FTP server, the system clearing center downloads the two-dimensional code transaction data files and other files from the corresponding FTP directories, the system clearing center uploads the two-dimensional code transaction clearing result files and other files to the corresponding FTP directories according to the receiving mechanisms and the code sending mechanisms, and the receiving mechanisms and the code sending mechanisms download the corresponding two-dimensional code transaction clearing result files and other files from the corresponding FTP directories. Other files include posting notification files, balance files, blacklist issuing files, white list issuing files, error code issuing files, error processing files, and the like.
The system server is responsible for configuration, operation and management of the system.
The above detailed description is specific to possible embodiments of the present invention, and the embodiments are not intended to limit the scope of the present invention, and all equivalent implementations or modifications that do not depart from the scope of the present invention are intended to be included within the scope of the present invention.
Claims (6)
1. A traffic two-dimension code cross-region transaction clearing settlement method is characterized by comprising the following steps:
the bus taking application program installed on the intelligent mobile terminal generates a bus taking two-dimensional code, and when a bus takes, the code scanning terminal reads the two-dimensional code information and carries out charging, fee deduction and release operations; the code scanning terminal uploads the two-dimensional code transaction information to a background of an acquiring mechanism;
the receiving mechanism background collects, arranges and classifies the two-dimensional code transaction data, uploads the local two-dimensional code transaction data to a local clearing center to which the receiving mechanism belongs, and uploads the cross-region two-dimensional code transaction data to a directory corresponding to the receiving mechanism on the FTP server;
the system clearing center clears cross-region two-dimensional code transaction data from the FTP directory according to a preset clearing rule, packs cross-region two-dimensional code transaction clearing results into a plurality of clearing result files FB according to a receiving mechanism in a quasi-real-time manner, packs cross-region two-dimensional code transaction clearing results into a plurality of local-city codebook province and foreign-city consumption clearing feedback files CH according to a code sending mechanism, and uploads each clearing result file FB and the local-city codebook province and foreign-city consumption clearing feedback files CH to the FTP server to belong to directories corresponding to each receiving mechanism and each code sending mechanism;
the order receiving mechanism logs in the FTP server by using the FTP user name and the password distributed to the order receiving mechanism, and downloads a clearing result file FB from an FTP directory specified by the order receiving mechanism;
the code sending mechanism logs in an FTP server by using the FTP user name and the password distributed to the code sending mechanism, and downloads a local market code province and foreign market consumption clearing feedback file CH from an FTP directory specified by the code sending mechanism;
the system clearing center settles the transaction amount with the acquiring mechanism and the code sending mechanism according to the effective data in the provincial city consumption clearing feedback file CH of the local city codebook;
the two-dimension code information comprises key information, user certificate information, timestamp verification information and account balance information, the user certificate information comprises user identity information, a service life and a payment mode, and the timestamp verification information comprises two-dimension code generation time information and valid time information;
the two-dimension code transaction information comprises a code scanning terminal number, user identity information, a user certificate service life, two-dimension code generation time, two-dimension code effective time, 8 bytes after signature of a user certificate, code scanning time of a code scanning terminal, a transaction mode, money and TAC.
2. The method for clearing and settling the cross-regional transaction of the traffic two-dimension code according to claim 1, wherein when the system clearing center clears the cross-regional two-dimension code transaction data from the FTP directory according to the preset clearing rule, the method further comprises: the system clearing center analyzes the two-dimension code transaction data according to the interface specification, verifies the MAC of the analyzed cross-region two-dimension code transaction data, and determines the transaction data to be valid if the verification is passed and determines the transaction data to be invalid if the verification is not passed.
3. The method for clearing and settling the cross-regional traffic two-dimensional code transactions according to claim 1, wherein when a system clearing center clears the cross-regional two-dimensional code transaction data from the FTP directory according to a preset clearing rule, various logs and early warning information need to be recorded, and then a system server automatically or manually reminds and informs passengers, an acquiring mechanism and a code sending mechanism in time in a mail or mobile phone short message mode.
4. The method for clearing and settling the cross-regional transaction of the traffic two-dimension code according to claim 1, wherein the clearing process of the system clearing center for clearing the cross-regional two-dimension code transaction data from the FTP directory according to the preset clearing rule comprises the following steps: file processing, data preprocessing, suspended data checking, exception processing and data checking.
5. The method for clearing and settling the traffic two-dimension code cross-regional transaction according to claim 1, wherein when the code scanning terminal reads the two-dimension code information, the two-dimension code is also required to be checked, and the checking comprises digital certificate checking, user identity checking and timestamp checking.
6. A traffic two-dimensional code cross-regional transaction clearing settlement system is used for executing the traffic two-dimensional code cross-regional transaction clearing settlement method of any one of claims 1 to 5, and is characterized by comprising a receiving mechanism, a code sending mechanism, a system clearing center, an FTP server and a system server;
the FTP server is responsible for data transfer of the order receiving mechanism, the code sending mechanism and the system clearing center;
the order collecting mechanism comprises a code scanning terminal and an order collecting mechanism background; the code scanning terminal is used for scanning the riding two-dimensional code generated by the user, analyzing the scanned riding two-dimensional code, verifying the legality and validity of the riding two-dimensional code, charging, deducting and releasing according to transaction information, judging whether to keep accounts according to payment rules, and uploading transaction data of the two-dimensional code to a background of an acquiring organization at regular intervals; the receiving mechanism background is responsible for collecting transaction data, uploading the cross-region two-dimensional code transaction data to a specified directory on the FTP server, downloading a clearing result file FB from the specified directory on the FTP server, and performing transaction settlement with each code sending mechanism;
the code sending mechanism is responsible for issuing the two-dimensional codes, downloading a local market codebook province and foreign market consumption clearing feedback file CH from a directory appointed on the FTP server, and verifying clearing transaction data;
the system clearing center is responsible for clearing the cross-regional two-dimensional code transaction data, splitting clearing result data according to an acquiring mechanism and a code sending mechanism, and storing the split transaction result data in a specified FTP directory according to the acquiring mechanism and the code sending mechanism; the system clearing center comprises a security authentication module, a storage module and a clearing data processing module, wherein the security authentication module is used for verifying the two-dimensional code transaction data, and the storage module is used for storing information of each acquiring organization and each code sending organization, the two-dimensional code transaction data uploaded by each acquiring organization and clearing result data after clearing; the clearing data processing module is responsible for processing two-dimensional code transaction data from the FTP server;
the system server is responsible for configuration, operation and management of the system.
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| CN114390041A (en) * | 2021-12-20 | 2022-04-22 | 浪潮软件股份有限公司 | Data sharing exchange method, device and computer readable medium |
| CN114358930B (en) * | 2021-12-22 | 2023-05-02 | 成都智元汇信息技术股份有限公司 | Method, subway client and system for acquiring two-dimension code of remote riding to execute transaction based on SDK |
| CN114462563B (en) * | 2022-01-29 | 2023-07-07 | 中国银联股份有限公司 | Transaction processing method, device, equipment and storage medium |
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