CN113781030A - Track traffic ticket payment system combined with digital RMB - Google Patents
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- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
- G06Q20/102—Bill distribution or payments
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- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/14—Payment architectures specially adapted for billing systems
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- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
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- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
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- G06Q20/325—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks
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- G06Q20/327—Short range or proximity payments by means of M-devices
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- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
- G06Q20/367—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes
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Abstract
The invention provides a track traffic ticketing payment system combined with digital RMB, which comprises a commercial bank digital RMB management background, a digital RMB APP, a terminal device, a gateway module, an industry data sorting module, a travel transaction matching module, an account checking module, a payment module and a passenger transaction module, wherein the digital RMB is combined with the track traffic ticketing system, and by means of the offline payment characteristic of the digital RMB, the offline payment of passenger handheld devices is supported, and the network collapse and data loss caused by network fluctuation are reduced; the settlement does not need to pay extra service fee of an intermediate channel provider, the digital RMB belongs to central rows for issuing, the subway service image is not influenced by disputes of the channel provider, and the application scene of the digital RMB in rail transit can be expanded.
Description
Technical Field
The invention relates to a payment technology, in particular to a rail transit ticket payment system combined with digital RMB, which can be widely applied to the field of rail transit.
Background
The statements in this section merely provide background information related to the present disclosure and may not constitute prior art or the prior art.
Rail transit has become the important vehicle of current trip, and in ticket buying, recharging, passing brake riding business, along with the increase of the traffic of people, the payment process seems huge, especially more outstanding at rush hour. Specifically, the application of the current rail transit ticketing system has the following disadvantages:
1. the third party payment mode requires real-time networking of passenger handheld devices, rail traffic such as subways and the like has large passenger flow and more mobile phone signal blind areas, so that real-time networking of passenger devices cannot be guaranteed, and the use experience of passengers for paying to take a bus by using the third party is influenced;
2. third party payment has no payment method, a third party payment system needs to collect payment channel service cost, the subway operation cost is additionally increased, meanwhile, exclusive measures can be made among partial third party payment channels due to commercial competition relationship to further influence the subway service image, a single third party payment system does not exist in the current market to realize the whole scene payment function coverage, and partial functions cannot meet the subway service requirement;
3. the instant large amount of the gate-passing request data in the network exceeds the maximum processing capacity of the system, and further, the system can be crashed, so that the data is lost.
Disclosure of Invention
In order to overcome the disadvantages of the prior art, the present invention provides a rail transit ticketing payment system combined with digital rmb, which can solve the above problems.
The design principle is as follows: the development of a new internet era brings unprecedented opportunities for the innovative development of urban rail transit, simultaneously faces more challenges, and is used for better facilitating passengers to travel by using the urban rail transit, accelerating the application of the internet +' thinking, combining the current station situation, supplementing the application scene of the existing AFC system internet mode by the newly-added digital RMB payment system, improving the capability of carrying out unified payment management on the internet ticket selling and taking machine, and enabling the internet ticket selling and taking machine to better meet the requirement of efficient station operation. The digital RMB is combined with a rail transit ticketing payment system, so that passengers can use the digital RMB to purchase tickets, recharge and pass by bus in the rail transit field, and the application scene of the digital RMB in rail transit can be expanded.
The overall scheme is as follows: a rail transit ticketing payment system combined with digital RMB comprises a commercial bank digital RMB management background, a digital RMB APP, terminal equipment, a gateway module, an industry data sorting module, a travel transaction matching module, an account checking module, a payment module and a passenger transaction module. The gateway module is in telecommunication connection with the industry data sorting module, the travel transaction matching module, the reconciliation module, the payment module and the passenger transaction module; wherein the content of the first and second substances,
the gateway module is used for accessing ticket selling equipment and ticket checking equipment of the ticket payment system to communicate with the ticket system;
the system comprises an industry data sorting module, a system and a control module, wherein the industry data sorting module is used for managing industry data in digital RMB lockage, and the system is used for performing ticket business check of entering and leaving stations and check of the order of entering and leaving stations according to the industry data;
the travel transaction matching module is used for performing transaction matching aiming at travel transaction information generated in the digital RMB lockage;
the account checking module is used for realizing account checking in the digital RMB payment transaction;
the payment module is used for butting a digital RMB system of an external commercial bank to realize the payment fee deduction business of the digital RMB;
and the passenger transaction module is used for processing abnormal conditions of the digital RMB during ticket buying, ticket checking and payment.
Further, the journey transaction matching module comprises an entrance gate, an exit gate and a station front server, and when transaction matching is carried out, journey fare is calculated according to a matching rule, and a transaction matching order is formed.
Furthermore, the bill reconciliation of the reconciliation module comprises two parts of checking between equipment and a system and checking between the system and a bank; and the parallel program account checking detail and account checking summary are two types of statistical tables.
Furthermore, a commercial bank externally connected with the payment module is connected with a digital RMB system of a central bank, so that the final verification of payment is realized.
Furthermore, the abnormal conditions processed by the passenger transaction module comprise ticket card analysis, ticket card updating, ticket refund, industry data management and subsidy updating.
Further, digital RMB APP installs in handheld terminal, and the passenger sweeps a sweep, pays the two-dimensional code and bumps one and bump the function through digital RMB APP and realize supplementing with money and purchasing tickets.
Further, the passenger checks, matches, rates, requests and deducts money through the payment two-dimensional code of the digital RMB APP and the travel transaction matching module to realize transaction payment, and the station entering and exiting are completed.
Compared with the prior art, the invention has the beneficial effects that: the rail transit ticketing payment system combined with the digital RMB can expand the use scene of the digital RMB in the rail transit field, the rail transit payment field has the advantages of wide audience range and multiple use frequency, good use habits of users can be developed by using the scene, and the application breadth and depth of the digital RMB can be greatly promoted; more payment channels are expanded in the rail transit field, so that the travel of passengers is more convenient and faster, and the travel experience of the passengers is improved.
Drawings
FIG. 1 is a schematic diagram of a rail transit ticketing payment system incorporating digital RMB in accordance with the present invention;
FIG. 2 is a data flow diagram of a ticket-buying and recharging service;
FIG. 3 is a flow chart of a ticket-buying and recharging business;
FIG. 4 is a flow diagram of pass gate service data;
FIG. 5 is a flow chart of a pay two-dimensional inbound service;
fig. 6 is a flow chart of the payment two-dimensional code outbound service.
Detailed Description
In order to make the objects, technical solutions and advantages of the embodiments of the present invention clearer, the technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are some, but not all, embodiments of the present invention. All other embodiments, which can be obtained by a person skilled in the art without any inventive step based on the embodiments of the present invention, are within the scope of the present invention.
A track traffic ticket payment system combined with digital RMB (national treasury) is shown in figure 1 and comprises a commercial bank digital RMB management background, a digital RMB APP (application), terminal equipment, a gateway module, an industry data sorting module, a travel transaction matching module, an account checking module, a payment module and a passenger transaction module.
The commercial bank digital RMB management background is connected with the digital RMB APP wireless network; the digital RMB APP and the terminal equipment carry out information transmission in a collision mode, a scanning mode and the like; the terminal equipment is connected with the gateway module through a physical transmission network; the commercial bank digital RMB management background is in telecommunication connection with the gateway module through the Internet or a physical private line; the gateway module is in telecommunication connection with the industry data sorting module, the travel transaction matching module, the reconciliation module, the payment module and the passenger transaction module. The core module is described below.
The gateway module is used for accessing ticket selling equipment and ticket checking equipment of the ticket payment system to communicate with the ticket system; and the functional modules are used as access points and aggregation points of all API interface services and realize the strategies of safety, routing, filtering and the like.
And the industry data sorting module is used for managing industry data in the digital RMB lockage, and the system is used for checking tickets entering and leaving the station and checking the order of entering and leaving the station according to the industry data.
The journey transaction matching module comprises an entrance gate machine, an exit gate machine, a station front server and the like, and is used for carrying out transaction matching on journey transaction information generated in digital RMB passing, calculating a journey fare according to a matching rule when the transaction is matched, and forming a transaction matching order.
The account checking module is used for realizing account checking in the digital RMB payment transaction; the bill reconciliation of the reconciliation module comprises two parts of checking between equipment and a system and checking between the system and a bank; and the parallel program account checking detail and account checking summary are two types of statistical tables.
The payment module is used for butting a digital RMB system of an external commercial bank to realize the payment fee deduction business of the digital RMB; and the commercial bank externally connected with the payment module is butted with a digital RMB system of a central bank to realize final verification of payment.
And the passenger transaction module is used for processing abnormal conditions of the digital RMB during ticket buying, ticket checking and payment. The system comprises functions of ticket card analysis, ticket card updating, ticket refund, industry data management, subsidy updating and the like.
Implementation of ticket buying and recharging business
Digital RMB APP installs in handheld terminal or wearing equipment, like cell-phone, pad, intelligent wrist-watch, intelligent bracelet etc.. The digital RMB rail transit ticket payment system supports passengers to realize recharging and ticket purchasing through scanning, paying two-dimensional codes and collision-collision functions of the digital RMB APP.
Specifically, referring to fig. 2, the ticket purchasing and recharging service data of the digital rmb is initiated from the passenger's digital rmb APP, submitted to the ticket payment system through the payment operation of the ticket purchasing and recharging terminal device, then submitted to the commercial bank digital rmb system by the ticket payment system, and finally submitted to the central bank digital rmb system by the commercial bank digital rmb system, and finally subjected to owner change of the amount of money by the central bank digital rmb system, so as to realize the final payment operation.
The implementation flow of the operation is shown in fig. 3:
a) when a passenger uses the digital RMB to buy a ticket or recharge, the passenger needs to select a ticket buying service or a recharging service on the terminal equipment;
b) the terminal equipment calculates the fare according to the information selected by the passenger and provides a payment mode selection interface;
c) the passenger main scanning payment method flow comprises the following steps:
1. the passenger selects the payment of the digital RMB, selects a code scanning payment mode in the payment of the digital RMB, and displays a two-dimensional payment code of the digital RMB in the device;
2. the passenger opens the digital RMB APP, selects the wallet needing payment, and opens the payment two-dimensional code of the scanning and scanning functional scanning equipment to pay;
3. after scanning the payment two-dimensional code, the passenger obtains a wallet address and payment information of the payee through the digital RMB APP, pays corresponding amount after inputting a password, and submits a payment request to a digital RMB management system of a cooperative commercial bank;
4. the commercial bank receives a payment request of the change of the money owner, and packages and submits the wallet information of the user, the wallet information of the subway payee and the payment amount to a digital RMB management system of a central bank;
5. the central bank digital RMB management system receives the owner change request of the amount of money, changes the owner of the amount of money from the passenger wallet to the wallet of the subway merchant and returns the change result to the commercial bank digital RMB management system;
6. the commercial bank digital RMB management system returns the payment result to the rail transit ticket payment system and the user digital RMB APP, and the digital RMB APP displays that the payment is successful; the ticket payment system receives the information of successful payment and returns the information of successful payment to the terminal equipment;
7. after receiving the information of successful payment, the terminal device performs ticket drawing or card writing recharging operation according to the service selected by the passenger, and returns an operation result to the ticket payment system, the ticket payment system updates order information, and the process is completed;
d) the payment method flow of the passenger being scanned is as follows:
1. the passenger selects the payment of the digital RMB and selects the scanned payment mode in the digital RMB, and the device prompts the passenger to open the payment code and place the payment code on the code scanning port;
2. the passenger opens the digital RMB APP, selects the digital wallet needing payment, and displays the payment code to the equipment code scanning port;
3. after reading the payment code of the passenger through the code scanning port, the equipment acquires the wallet address of the payment code of the passenger, and then adds wallet information and amount information of a subway payee to assemble a message to initiate a payment request to a ticket payment system;
4. after receiving the payment request, the ticket payment system submits the payment request to a commercial bank digital RMB management system of the partner, and after receiving the payment request, the commercial bank initiates an owner change request of the amount of money to a central bank digital RMB system;
5. the central bank digital RMB management system receives the owner change request of the amount, changes the wallet of the money mobile payer to the wallet of the payee and returns the change result to the digital RMB management system of the commercial bank;
6. the commercial bank digital RMB management system returns the payment result to the rail transit ticket payment system and the user digital RMB APP, and the digital RMB APP displays that the payment is successful; the ticket payment system receives the information of successful payment and returns the information of successful payment to the terminal equipment;
7. after the terminal equipment receives the information of successful payment, the operation of drawing a ticket or recharging and writing a card is carried out according to the service selected by the passenger, the operation result is returned to the ticket payment system, the ticket payment system updates the order information, and the process is completed
e) Passenger payment method flow through collision:
1. the passenger selects the payment of the digital RMB and selects a touch-and-touch payment mode in the digital RMB, and the device prompts the passenger to open a touch-and-touch payment function in the digital RMB to be close to the sensing area;
2. the passenger opens the digital RMB APP, selects the wallet needing payment, selects the payment by touch, and then approaches the payment sensing area of the device;
3. after the device card reader senses a payment request of a passenger, directly deducting fees according to the fare of the service selected by the passenger; after deducting the fee, the equipment executes the operation of drawing a bill or writing a card for recharging, and submits the operation result and the payment result to a ticket payment system, and the payment system establishes order information and submits payment confirmation information to a commercial bank digital RMB management system;
4. after receiving the confirmation request, the commercial bank digital RMB management system submits the confirmation request to a digital RMB management system of a central bank, and after receiving the confirmation request, the central bank confirms payment information and returns confirmation information to the commercial bank;
5. after receiving the confirmation information, the commercial bank returns the confirmation information to the ticket payment system and the passenger's digital RMB APP;
6. and after the ticket payment system receives the confirmation result, updating the state information of the order.
Implementation of pass-gate service
The passenger checks, matches, rates, requests for money and deducts money through the payment two-dimensional code of the digital RMB APP and the travel transaction matching module to realize transaction payment, and the station entering and exiting are completed.
Referring to fig. 4, the digital renminbi pass gate data is initiated from a digital renminbi APP, is verified through a gate device and submitted to a ticketing payment system for processing, a station front-end module in the ticketing payment system is responsible for verifying, a journey transaction system is responsible for matching, an order payment module is responsible for applying money, and is submitted to a digital renminbi system of a commercial bank through a gateway module, and after a money application result is returned, order information of an in-and-out station is submitted to a clearing system.
The digital RMB rail transit ticket payment system supports passengers to directly pass through a gate to take a bus by using a payment two-dimensional code function in the digital RMB, the gate passing process is shown in figure 5, and the service process of entering the station of the payment two-dimensional code comprises the steps of.
a) The passenger opens the APP of the digital RMB, selects the wallet, opens the payment two-dimensional code of the wallet, and scans the code gate on the gate machine;
b) the gate device identifies the passenger two-dimensional code through the card reader, calls the decoding SDK to decode the two-dimensional code, and verifies the decoded information, including the verification of information such as a blacklist, a code state and the like;
c) after the check is passed, submitting a pass-gate request to a ticketing payment system, and after receiving the pass-gate request, the ticketing payment system checks the order of preventing the ticket from being repeated and entering the station of the passenger;
d) after the verification is passed, initiating balance inquiry to a digital RMB management system of a cooperative commercial bank, initiating passenger wallet balance inquiry to a central bank by the commercial bank, receiving an inquiry request by the central bank, inquiring the wallet balance of a passenger, returning an inquiry result to the commercial bank, and returning the result to a ticket payment system by the commercial bank;
e) the ticketing payment system checks the balance of the passenger wallet after receiving the balance, if the balance meets the requirement of the inbound balance, the ticket payment system returns a brake opening instruction to the gate machine, and after the gate machine receives the instruction, the gate is opened and released, and the passenger passes through the gate;
f) and after the passenger passes the brake, the gate machine returns the brake passing result to the ticket payment system, the ticket payment system creates the travel information of the passenger passing the brake, and the brake passing is completed.
The payment two-dimensional code outbound service process is shown in fig. 6, and includes:
a) the passenger opens the digital RMB APP, selects the wallet when entering the station, and selects the payment code to scan the code and pass the brake;
b) the gate equipment scans the payment code through the two-dimensional code reading head, calls the SDK to decode, verifies the blacklist of the code information after decoding, and submits a gate passing request to the ticket payment system after the verification is passed;
c) after receiving the passing-gate request, the ticket payment system performs ticket anti-duplication and station entrance and exit sequence verification on the code information, and returns a gate opening instruction to the gate equipment after the verification is passed;
d) after the gate equipment receives the gate opening instruction, the gate is opened and released, the passenger passes the gate, and the gate submits the gate passing result to the ticket payment system;
e) after receiving the passing brake result, the ticketing payment system updates the outbound journey information of the passenger, matches the inbound journey information and calculates the fare;
f) the ticket payment system initiates a request for payment to a cooperative commercial bank according to the calculated ticket price and code information;
g) after receiving the request for money, the commercial bank digital RMB system submits an owner change request to the central bank digital RMB system, and the central bank digital RMB system confirms the change of the money amount and returns a change result to the commercial bank system;
h) and the commercial bank system returns the result to the ticket payment system, and the ticket payment system updates the matched state of the payment request order according to the result, so that the process is completed.
In summary, the scheme has the following characteristics:
combining the digital RMB with a rail transit ticketing system, and supporting the off-line payment of passenger handheld equipment by means of the off-line payment characteristic of the digital RMB;
the digital RMB has the compensation property, the settlement does not need to pay additional service fee of an intermediate channel provider, the digital RMB is issued by a central bank, the dispute of the channel provider does not need to be worried about influencing the subway service image, and the digital RMB supports the use in all payment scenes of a rail transit ticketing system;
the digital RMB supports off-line payment, and online payment verification is not needed, so that the network breakdown and data loss caused by network fluctuation can be greatly reduced.
Finally, it should be noted that: the above examples are only intended to illustrate the technical solution of the present invention, but not to limit it; although the present invention has been described in detail with reference to the foregoing embodiments, it will be understood by those of ordinary skill in the art that: the technical solutions described in the foregoing embodiments may still be modified, or some technical features may be equivalently replaced; and such modifications or substitutions do not depart from the spirit and scope of the corresponding technical solutions of the embodiments of the present invention.
Claims (7)
1. The utility model provides a track traffic ticket business payment system who combines digital RMB which characterized in that: the payment system comprises a commercial bank digital RMB management background, a digital RMB APP, terminal equipment, a gateway module, an industry data sorting module, a travel transaction matching module, an account checking module, a payment module and a passenger transaction module, wherein the gateway module is in telecommunication connection with the industry data sorting module, the travel transaction matching module, the account checking module, the payment module and the passenger transaction module; wherein the content of the first and second substances,
the gateway module is used for accessing ticket selling equipment and ticket checking equipment of the ticket payment system to communicate with the ticket system;
the system comprises an industry data sorting module, a system and a control module, wherein the industry data sorting module is used for managing industry data in digital RMB lockage, and the system is used for performing ticket business check of entering and leaving stations and check of the order of entering and leaving stations according to the industry data;
the travel transaction matching module is used for performing transaction matching aiming at travel transaction information generated in the digital RMB lockage;
the account checking module is used for realizing account checking in the digital RMB payment transaction;
the payment module is used for butting a digital RMB system of an external commercial bank to realize the payment fee deduction business of the digital RMB;
and the passenger transaction module is used for processing abnormal conditions of the digital RMB during ticket buying, ticket checking and payment.
2. The rail transit ticketing payment system of claim 1, wherein: the journey transaction matching module comprises an entrance gate machine, an exit gate machine and a station front server, and when transaction matching is carried out, journey fare is calculated according to a matching rule, and a transaction matching order is formed.
3. The rail transit ticketing payment system of claim 1, wherein: the bill reconciliation of the reconciliation module comprises two parts of checking between equipment and a system and checking between the system and a bank; and the parallel program account checking detail and account checking summary are two types of statistical tables.
4. The rail transit ticketing payment system of claim 1, wherein: and the commercial bank externally connected with the payment module is butted with a digital RMB system of a central bank to realize final verification of payment.
5. The rail transit ticketing payment system of claim 1, wherein: the abnormal conditions processed by the passenger transaction module comprise ticket card analysis, ticket card updating, ticket refund, industry data management and subsidy updating.
6. The rail transit ticketing payment system of claim 1, wherein: digital RMB APP installs in handheld terminal, and the passenger sweeps through digital RMB APP, pays the two-dimensional code and bumps one and bump the function and realize supplementing with money and purchasing tickets.
7. The rail transit ticketing payment system of claim 1, wherein: the passenger checks, matches, rates, requests for money and deducts money through the payment two-dimensional code of the digital RMB APP and the travel transaction matching module to realize transaction payment, and the station entering and exiting are completed.
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Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
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| CN115456629A (en) * | 2022-09-19 | 2022-12-09 | 青岛畅联科技有限公司 | Cloud payment system supporting diversified novel digital ticketing |
| CN116030543A (en) * | 2022-12-29 | 2023-04-28 | 北京万集科技股份有限公司 | Payment method for ETC system, related product and ETC system |
| CN116052293A (en) * | 2022-12-29 | 2023-05-02 | 北京万集科技股份有限公司 | Payment method for ETC system, related product and ETC system |
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| CN107230055A (en) * | 2016-03-25 | 2017-10-03 | 中国人民银行印制科学技术研究所 | The method and system of payout figure currency |
| CN111861431A (en) * | 2020-06-08 | 2020-10-30 | 西安艾润物联网技术服务有限责任公司 | Digital currency payment method and system |
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| Publication number | Priority date | Publication date | Assignee | Title |
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| CN115456629A (en) * | 2022-09-19 | 2022-12-09 | 青岛畅联科技有限公司 | Cloud payment system supporting diversified novel digital ticketing |
| CN115456629B (en) * | 2022-09-19 | 2023-10-17 | 青岛畅联科技有限公司 | Cloud payment system supporting diversified novel digital ticketing |
| CN116030543A (en) * | 2022-12-29 | 2023-04-28 | 北京万集科技股份有限公司 | Payment method for ETC system, related product and ETC system |
| CN116052293A (en) * | 2022-12-29 | 2023-05-02 | 北京万集科技股份有限公司 | Payment method for ETC system, related product and ETC system |
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