CN115018481A - Composite digital currency hardware wallet payment method and equipment - Google Patents

Composite digital currency hardware wallet payment method and equipment Download PDF

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Publication number
CN115018481A
CN115018481A CN202210577438.0A CN202210577438A CN115018481A CN 115018481 A CN115018481 A CN 115018481A CN 202210577438 A CN202210577438 A CN 202210577438A CN 115018481 A CN115018481 A CN 115018481A
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payment
terminal
passenger
payment terminal
type
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邓晓斌
齐永奎
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Shenzhen Shengbida Communication Co ltd
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Shenzhen Shengbida Communication Co ltd
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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/04—Payment circuits
    • G06Q20/06—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
    • G06Q20/065—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme using e-cash
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327—Short range or proximity payments by means of M-devices
    • G06Q20/3278—RFID or NFC payments by means of M-devices
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/341—Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/389—Keeping log of transactions for guaranteeing non-repudiation of a transaction

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  • Accounting & Taxation (AREA)
  • Strategic Management (AREA)
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Abstract

The application relates to a payment method and equipment of a composite digital currency hardware wallet, which relate to the field of intelligent payment, wherein the method comprises the steps of retrieving payment terminal information when a passenger enters a public vehicle to obtain the terminal type of a payment terminal; judging whether the payment channel of each terminal type is opened or not; if the payment channels are all opened, acquiring the types of opened terminals which can be used by passengers based on the types of the opened terminals of the payment channels; performing priority sequencing on the types of the starting terminals based on a preset priority sequence; taking the opening terminal type with the highest priority as a target payment terminal; calling a digital currency wallet based on a target payment terminal and a preset digital currency chip; payments are made based on digital currency wallets. The bus stop time control method and device have the effect of effectively shortening the stop time of the bus.

Description

Composite digital currency hardware wallet payment method and equipment
Technical Field
The invention relates to the field of intelligent payment, in particular to a payment method and equipment for a hardware wallet with composite digital currency.
Background
The bus is a common public transport vehicle at present, and passengers can take the bus after paying a certain riding cost.
In the prior art, passengers can select several different payment modes, such as card payment, code scanning payment and NFC payment, when paying the riding fee. The card swiping payment refers to the payment of passengers by using the carried bus rechargeable card; the code scanning payment means that a passenger needs to open a mobile phone payment two-dimensional code by using a mobile phone and align the mobile phone payment two-dimensional code to a scanning port of the bus, and a cash register of the bus performs a money deduction operation or the passenger scans a collection code on the bus by using the mobile phone to pay; the NFC payment means that a passenger utilizes a mobile phone with an NFC function to be attached to a cash register of a bus to finish payment operation.
In view of the above related technologies, the inventor believes that when a foreign passenger takes a local bus, the foreign passenger often does not have a local bus card due to regional distinction of the bus card, and if the passenger pays by opening a two-dimensional mobile phone payment code or scanning a collection code on the bus, a certain time is consumed for opening the two-dimensional payment code or scanning the collection code, so that the stop time of the bus is prolonged.
Disclosure of Invention
In order to effectively shorten the stop time of a bus, the invention provides a payment method and equipment of a composite digital currency hardware wallet.
In a first aspect, the composite digital currency hardware wallet payment method provided by the application adopts the following technical scheme:
a composite digital currency hardware wallet payment method, comprising:
when a passenger enters a public vehicle, retrieving payment terminal information to obtain the terminal type of a payment terminal; the terminal types comprise a wireless payment terminal, an attaching payment terminal and an authentication recognition payment terminal; the wireless payment terminal and the authentication identification type payment terminal are both arranged in a public vehicle, and the attached type payment terminal is arranged on a seat edge or a railing in the public vehicle;
judging whether the payment channel of each terminal type is opened or not;
if the payment channels are all opened, acquiring the types of opened terminals which can be used by passengers based on the types of the opened terminals of the payment channels;
based on a preset priority sequence, carrying out priority sequencing on the types of the starting terminals;
taking the starting terminal type with the highest priority as a target payment terminal;
calling a digital currency wallet based on the target payment terminal and a preset digital currency chip;
making a payment based on the digital currency wallet.
By adopting the technical scheme, the bus is internally provided with the wireless payment terminal, the attaching payment terminal and the authentication recognition payment terminal, the wireless payment terminal is used for enabling a passenger to pay in a wireless mode, and the authentication recognition payment terminal is used for enabling the passenger to pay in a recognition mode, wherein the wireless payment terminal and the authentication recognition payment terminal are both arranged in the bus, so that the passenger does not need to enter the bus after paying at the bus entrance, and the passenger can sit on the seat to pay; the attaching type payment terminal is used for enabling a passenger to complete payment in an attaching mode, wherein the attaching type payment terminal is arranged on the seat side of a public vehicle or a railing in the public vehicle, and the passenger can sit on the seat to pay. The three payment modes shorten the time for passengers to get on the bus, so that the passengers do not need to wait for payment before getting on the bus, and the stop time of the bus is effectively shortened; the use of digital currency payment facilitates the direction of each payment amount.
Optionally, the obtaining of the type of the open terminal that can be used by the passenger based on the type of the open terminal of the payment channel includes:
judging whether the authentication and identification authorization records of the passengers are stored or not;
if the authentication identification authorization record is not stored, judging that the passenger cannot use the authentication identification type payment terminal, and judging whether a preset wireless module is started or not;
if the wireless module is not started, the passenger is judged to be incapable of using the wireless payment terminal and the type of the starting terminal which can be used by the passenger is judged to be the attaching type payment terminal.
By adopting the technical scheme, if the passenger does not have the authentication identification authorization record, the passenger does not authorize the use of the authentication identification function in the passenger terminal, the passenger is judged to be incapable of using the authentication identification type payment terminal at the moment, and if the passenger terminal of the passenger does not open the wireless module at the same time, the passenger only can use the attached type payment terminal at the moment, so that the opened terminal type which can be used by the passenger is judged to be the attached type payment terminal.
Because the laminating type payment terminal is positioned beside the seat of the public vehicle, the passenger can enter the carriage to pay, the boarding time of the passenger is effectively shortened, and the stop time of the public vehicle is favorably shortened.
Optionally, the obtaining of the type of the open terminal that can be used by the passenger based on the type of the open terminal of the payment channel further includes:
if the authentication identification authorization record is not stored, judging that the passenger cannot use the authentication identification type payment terminal;
if the wireless module is started, the passenger can use the wireless payment terminal and the type of the starting terminal which can be used by the passenger is judged to be the attaching type payment terminal and the wireless payment terminal.
By adopting the technical scheme, if the passenger does not have the authentication identification authorization record, the passenger is indicated to be not authorized to use the authentication identification function in the passenger terminal, and the passenger is judged to be incapable of using the authentication identification type payment terminal at the moment; if passenger's passenger terminal has opened wireless module, show that the passenger can use wireless module to pay this moment, passenger terminal judges that the opening terminal type that the passenger can use is for laminating formula payment terminal and wireless payment terminal this moment, for the passenger provides multiple payment methods, in the passenger payment of being convenient for, has the time of getting on the bus that is favorable to shortening the passenger, and then effectively shortens public vehicle's the time of stopping.
Optionally, the obtaining of the type of the open terminal that can be used by the passenger based on the type of the open terminal of the payment channel further includes:
if the authentication identification authorization record of the passenger is stored, judging that the passenger can use the authentication identification type payment terminal;
if the wireless module is not started, the passenger is judged to be incapable of using the wireless payment terminal and the type of the starting terminal which can be used by the passenger is judged to be the authentication identification type payment terminal and the attaching type payment terminal.
By adopting the technical scheme, if the passenger terminal stores the authentication and identification authorization record of the passenger, the passenger is indicated to authorize the passenger to use the authentication and identification function in the passenger terminal, and at the moment, the passenger is judged to be capable of using the authentication and identification type payment terminal to pay; meanwhile, when the passenger does not open the wireless module, the passenger can not use the wireless module to pay; the passenger terminal judges that the opening terminal type that the passenger can use is authentication identification formula payment terminal and binding formula payment terminal this moment, for the passenger provides multiple payment methods, in the passenger payment of being convenient for, has the time of getting on bus that is favorable to shortening the passenger, and then effectively shortens the time of stopping at a station of public bus.
Optionally, the obtaining of the type of the open terminal that can be used by the passenger based on the type of the open terminal of the payment channel further includes:
if the authentication identification authorization record of the passenger is stored, judging that the passenger can use the authentication identification type payment terminal;
if the wireless module is started, the passenger can use the wireless payment terminal and the starting terminal type which can be used by the passenger is judged to be the authentication identification type payment terminal, the wireless payment terminal and the attaching type payment terminal.
Through adopting above-mentioned technical scheme, when passenger terminal had both saved the authentication identification authorization record, when opening wireless module again, passenger terminal judges that the opening terminal type that the passenger can use is authentication identification formula payment terminal, wireless payment terminal and laminating formula payment terminal, for the passenger provides multiple payment methods, when being convenient for passenger's payment, has the time of getting on bus that is favorable to shortening the passenger, and then effectively shortens public vehicle's the time of stopping.
Optionally, the priority order is that the priority of the authentication identification type payment terminal is greater than the priority of the wireless payment terminal, and the priority of the wireless payment terminal is greater than the priority of the fit type payment terminal;
the priority ranking of the types of the open terminals based on the preset priority sequence comprises the following steps:
when the type of the starting terminal which can be used by the passenger is a fit-type payment terminal, judging that the priority of the fit-type payment terminal is the highest;
when the types of the starting terminals which can be used by the passenger are the attaching type payment terminal and the wireless payment terminal, the priority of the wireless payment terminal is obtained to be larger than that of the attaching type payment terminal based on the priority sequence;
when the types of the starting terminals which can be used by the passenger are the authentication identification type payment terminal and the attaching type payment terminal, the priority of the authentication identification type payment terminal is higher than that of the attaching type payment terminal based on the priority sequence;
and when the types of the opening terminals which can be used by the passenger are the authentication identification type payment terminal, the wireless payment terminal and the attachment type payment terminal, based on the priority order, the priority of the authentication identification type payment terminal is obtained to be greater than the priority of the wireless payment terminal, and the priority of the wireless payment terminal is greater than the priority of the attachment type payment terminal.
By adopting the technical scheme, the priority sequencing is carried out on the types of the starting terminals, so that the passenger terminals can automatically select the local payment mode of the passenger conveniently, the passenger does not need to actively select, and the time for the passenger to pay is saved.
Optionally, after the invoking the digital currency wallet, the method further comprises:
judging whether the balance in the digital currency wallet is larger than or equal to a preset single riding expense or not;
if the balance is less than the single riding expense, judging whether the digital money wallet is related to the digital money wallet;
if the digital money wallet is associated with a related digital money wallet, judging whether the balance in the related digital money wallet is greater than or equal to the single riding expense;
if the balance in the associated digital money wallet is larger than or equal to the single riding fee, deducting the single riding fee from the balance in the associated digital money wallet;
and if the balance in the associated digital money wallet is less than the single riding fee, generating and displaying prompt information.
By adopting the technical scheme, the associated digital money wallet is used for being called when the amount of the digital money wallet of the passenger is insufficient, so that the passenger can pay conveniently.
In a second aspect, the present application provides a composite digital currency hardware wallet payment device, which adopts the following technical solution:
a composite digital currency hardware wallet payment device comprises a passenger terminal, wherein a wireless payment module, a laminating payment module, an authentication identification module and a digital currency chip are arranged in the passenger terminal, and the wireless payment module, the laminating payment module and the authentication identification module are all connected with the digital currency chip;
the wireless payment module is used for enabling the passenger to pay based on a wireless payment terminal in the public vehicle, and the attached payment module is used for enabling the passenger to pay based on an attached payment terminal on a seat or a railing in the public vehicle; the authentication and identification type module is used for enabling the passenger to pay based on an authentication and identification type payment terminal in the public vehicle; the digital currency chip is used for being called and completing payment when a passenger uses the wireless payment module, the attached payment module and the authentication identification module.
Through adopting above-mentioned technical scheme, wireless payment module, laminating formula payment module and authentication identification formula module provide multiple payment mode for the passenger, make the passenger need not to pay and then get into the carriage, and the passenger can sit on the seat or pay again after getting into the carriage promptly, is favorable to shortening passenger's the time of getting on the bus, and then has effectively shortened the time of stopping at a station of bus.
Optionally, the wireless payment module includes a bluetooth module and a WIFI module, and both the bluetooth module and the WIFI module are connected to the digital currency chip; the Bluetooth module is used for communicating with a wireless payment terminal preset in the public vehicle, so that passengers call a digital currency chip through the Bluetooth module and complete payment through digital currency; the WIFI module is used for communicating with a wireless payment terminal preset in the public vehicle, so that passengers call the digital currency chip through the WIFI module and complete payment through digital currency;
the attached payment module is an NFC communication module, and the NFC communication module is connected with the digital currency chip; the NFC communication module is used for enabling a passenger to complete payment by attaching the passenger terminal with the built-in NFC communication module to a pre-arranged attachment type payment terminal on a public vehicle;
the authentication recognition type payment module comprises a face recognition module and a fingerprint module, the face recognition module and the fingerprint module are both connected with the digital currency chip, the face recognition module is used for recognizing and collecting facial features of passengers, and the authentication recognition type payment terminal preset on the public vehicle calls the digital currency chip of the passengers based on the facial features of the passengers so that the passengers finish payment by using digital currency in a face recognition mode; the fingerprint module is used for identifying and collecting fingerprint information of passengers, and the digital currency chip of the passengers is called by the authentication and identification type payment terminal preset on the public vehicle based on the fingerprint information of the passengers, so that the passengers can use the digital currency to complete payment in a fingerprint identification mode.
By adopting the technical scheme, the wireless payment module comprises the Bluetooth module and the WIFI module, so that passengers can call the digital currency chip through the Bluetooth module or the WIFI module and complete payment through digital currency; the attachment payment module is an NFC communication module, so that a passenger can attach the passenger terminal with the built-in NFC communication module to a pre-set attachment payment terminal on a public vehicle to finish payment; the authentication and identification type payment module comprises a face recognition module and a fingerprint module, so that a passenger can finish payment by using digital currency in a face recognition mode or a fingerprint recognition mode. The multiple payment modes are convenient for passengers to pay, and meanwhile, the boarding time of the passengers is effectively shortened, and further the stop time of the public vehicle is favorably shortened.
In summary, the present application has at least one of the following beneficial technical effects:
1. the wireless payment terminal and the authentication recognition type payment terminal are arranged in the bus, and the attaching type payment terminal is arranged on the seat edge of the bus or the rail in the bus, so that passengers do not need to enter the bus after bus entrance payment, the time of getting on the bus is shortened, and the stop time of the bus is effectively shortened.
2. The usable terminal type of opening of passenger is authentication identification formula payment terminal, wireless payment terminal and laminating formula payment terminal, for the passenger provides multiple payment methods, in the passenger payment of being convenient for, has the time of getting on the bus that is favorable to shortening the passenger, and then effectively shortens the stop time of public vehicle.
3. The associated digital money wallet is adapted to be invoked when the passenger's digital money wallet is out of value to facilitate payment by the passenger.
Drawings
Fig. 1 is an overall flowchart of a payment method of a composite digital currency hardware wallet according to an embodiment of the present application.
Fig. 2 is a flowchart of acquiring types of open terminals that can be used by a passenger based on types of terminals of an open payment channel in a composite digital currency hardware wallet payment method according to an embodiment of the present application.
Fig. 3 is a flowchart of a method for payment by a composite digital currency hardware wallet according to an embodiment of the present application after invoking the digital currency wallet.
Fig. 4 is an overall structural diagram of a composite digital currency hardware wallet payment device according to an embodiment of the present application.
Description of reference numerals:
1. a passenger terminal; 11. a wireless payment module; 12. a fitting payment module; 13. an authentication and identification type module; 14. a digital currency chip; 15. a Bluetooth module; 16. a WIFI module; 17. an NFC communication module; 18. a face recognition module; 19. and a fingerprint module.
Detailed Description
The embodiment of the application discloses a payment method for a hardware wallet with composite digital currency.
Referring to fig. 1, a composite digital currency hardware wallet payment method includes:
s100, when a passenger enters a public vehicle, retrieving payment terminal information to obtain a terminal type of a payment terminal; the terminal types comprise a wireless payment terminal, an attaching payment terminal and an authentication recognition payment terminal; the wireless payment terminal and the authentication recognition type payment terminal are both arranged in a public vehicle, and the attaching type payment terminal is arranged on the seat edge of the public vehicle or the rail in the vehicle.
When a passenger enters a public vehicle, the passenger terminal retrieves the information of the payment terminal, and the payment terminal is arranged in the public vehicle, namely, the public vehicle provides multiple payment modes for the passenger based on the payment terminal. Specifically, the terminal types include a wireless payment terminal, an attaching payment terminal and an authentication recognition payment terminal.
The wireless payment terminal and the payment terminal during authentication and identification are both arranged in the public vehicle. The laminating formula payment terminal sets up on the seat edge of public vehicle or railing in the car, and the passenger of being convenient for pays, makes the passenger can sit to the seat on or get into the carriage in pay, has effectively shortened the time that the passenger got on the bus, makes the passenger need not to wait to get on the bus again after paying, has effectively shortened the stop time of bus.
S200, judging whether the payment channel of each terminal type is opened.
The passenger terminal determines whether the payment channel of each terminal type is opened or not by identifying the signal of the payment terminal, for example, if the passenger terminal detects a wireless signal sent by a wireless payment terminal in a public vehicle, it indicates that the payment channel of the wireless payment terminal is opened.
And S300, if the payment channels are all opened, acquiring the types of the opened terminals which can be used by the passengers based on the types of the opened terminals of the payment channels.
In this embodiment, the payment channel of each terminal type in the public vehicle is opened, so that the passenger can pay in multiple payment modes, if the payment channel of one or more terminal types in the public vehicle is not opened, it indicates that the public vehicle needs to be maintained, and the driver or the passenger can process the payment channel by contacting with the enterprise or company where the public vehicle is located.
If the payment channel of each terminal type in the public vehicle is opened, the passenger terminal obtains the opened terminal type which can be used by the passenger. In a specific implementation, whether the passenger can use the open terminal type is determined by the passenger terminal of the passenger.
Referring to fig. 2, acquiring an open terminal type that can be used by a passenger based on a terminal type of an open payment channel includes:
s301, judging whether the passenger authentication and identification authorization record is stored.
The authentication, identification and authorization record means that if a passenger needs to use authentication, identification and payment in the public vehicle, the passenger needs to perform authentication, identification and authorization on a passenger terminal, and after the passenger authorizes the passenger, the passenger can use an authentication, identification and payment terminal in the public vehicle to perform payment.
In this embodiment, the authentication and identification type payment terminal includes a payment terminal that performs identification payment based on human body information, such as a fingerprint identification payment terminal and a face identification payment terminal. The face recognition payment is to obtain the payment account information of the passenger by using the face acquisition capability of the face recognition terminal through the face recognition technology. Similarly, the fingerprint identification payment can utilize the fingerprint identification capability of the fingerprint identification terminal to acquire the payment account information of the passenger through a fingerprint identification technology.
S302, if the authentication identification authorization record is not stored, judging that the passenger cannot use the authentication identification type payment terminal, and judging whether to start a preset wireless module.
If the passenger does not have the authentication identification authorization record, the passenger is indicated to be not authorized to use the authentication identification function in the passenger terminal, the passenger cannot use the authentication identification type payment terminal at the moment, namely the passenger cannot pay through the authentication identification type payment terminal, and the passenger terminal judges whether to open the wireless module or not, namely judges whether the passenger can pay through the wireless module or not.
And S303, if the wireless module is not started, judging that the passenger cannot use the wireless payment terminal and judging that the type of the starting terminal which can be used by the passenger is a fit-type payment terminal.
If the passenger terminal does not open the wireless module, the passenger terminal judges that the passenger cannot use the wireless payment terminal, the passenger cannot use the authentication identification type payment terminal and the wireless payment terminal at the moment, only the attached type payment terminal can be used, and the passenger terminal judges that the type of the open terminal which can be used by the passenger is the attached type payment terminal at the moment.
In this embodiment, the attached payment terminal refers to a passenger terminal having an NFC payment function, and in addition, includes an electronic bus card or the like using NFC payment.
In a specific implementation, if the passenger terminal detects that the wireless module is not turned on, the passenger is reminded to turn on the wireless module, and then step S302 is executed.
Wireless module includes WIFI module and bluetooth module in this embodiment, at first explains the passenger uses the WIFI module to pay: the passenger pays by using the WIFI module, the passenger terminal and the payment terminal are required to be ensured to be positioned under the same WiFi, the passenger terminal and the payment terminal are positioned in the same local area network, the passenger terminal and the payment terminal can mutually transmit data information through a TCP/IP protocol of the local area network, the payment terminal sends a payment link to the passenger terminal, and the passenger can pay based on the payment link; the passenger uses bluetooth module to pay and the passenger uses the WIFI module to pay the same reason, and passenger terminal's bluetooth needs to pair with payment terminal's bluetooth, and payment terminal sends the payment link to passenger terminal after pairing successfully, and the passenger can pay based on the payment link.
It should be noted that steps S301 to S303 are the first case where the passenger terminal does not have the authentication, identification and authorization record and detects that the wireless module is not turned on.
If the authentication and identification authorization record is not stored, the passenger is judged that the passenger cannot use the authentication and identification type payment terminal.
S304, if the wireless module is started, the passenger can use the wireless payment terminal and the type of the starting terminal which can be used by the passenger is judged to be the attaching type payment terminal and the wireless payment terminal.
Step S304 is that the passenger terminal does not have the authentication, identification and authorization record and detects the second condition that the wireless module is turned on, at this time, the passenger can select one of the attached payment terminal and the wireless payment terminal to pay.
S305, if the authentication authorization record of the passenger is stored, it is determined that the passenger can use the authentication payment terminal.
S306, if the wireless module is not started, judging that the passenger cannot use the wireless payment terminal and judging that the types of the starting terminals which can be used by the passenger are the authentication identification type payment terminal and the attaching type payment terminal.
In steps S305 to S306, the passenger terminal has the authentication, identification and authorization record and detects a third situation that the wireless module is not opened, at this time, the passenger terminal determines that the types of the open terminals that can be used by the passenger are the authentication, identification and fit type payment terminal, that is, the passenger can select between the fit type payment terminal and the authentication, identification and payment terminal.
If the authentication and identification authorization record of the passenger is stored, the passenger can use the authentication and identification type payment terminal.
S307, if the wireless module is started, the passenger can use the wireless payment terminal and the types of the starting terminals which can be used by the passenger are judged to be the authentication identification type payment terminal, the wireless payment terminal and the attaching type payment terminal.
Step S307 is that the passenger terminal has the authentication, identification and authorization record and detects the fourth situation of the wireless module being turned on, and at this time, the authentication, identification and payment terminal, the wireless payment terminal, and the attached payment terminal on the public vehicle can be used by the passenger, and the passenger can select which payment terminal to use for payment.
Referring to fig. 1, the types of the open terminals are prioritized based on a preset priority order S400.
And S500, taking the opening terminal type with the highest priority as a target payment terminal.
The types of the starting terminals are prioritized, so that automatic selection of the payment terminals is facilitated, passengers do not need to select the payment terminals by themselves, and the payment time is shortened.
Specifically, the priority order is that the priority of the authentication identification type payment terminal is greater than that of the wireless payment terminal, and the priority of the wireless payment terminal is greater than that of the attaching type payment terminal;
based on a preset priority sequence, the method for sequencing the priorities of the types of the starting terminals comprises the following steps:
and S410, when the type of the open terminal which can be used by the passenger is the attached payment terminal, judging that the priority of the attached payment terminal is the highest.
If the passenger can only use the attached payment terminal for payment, the priority of the attached payment terminal is the highest.
And S420, when the types of the open terminals which can be used by the passenger are the attaching type payment terminal and the wireless payment terminal, obtaining the priority of the wireless payment terminal which is higher than the priority of the attaching type payment terminal based on the priority sequence.
Because the priority order is that the priority of the authentication identification type payment terminal is greater than the priority of the wireless payment terminal, and the priority of the wireless payment terminal is greater than the priority of the attachment type payment terminal, the priority order can be known, when the types of the opening terminals which can be used by passengers are the attachment type payment terminal and the wireless payment terminal, the priority of the wireless payment terminal is greater than the priority of the attachment type payment terminal, so that the priority of the wireless payment terminal is the highest, and the passenger terminal selects the wireless payment terminal to pay. At the moment, the passenger terminal receives the payment link sent by the payment terminal, and the passenger can complete payment after paying.
And S430, when the types of the starting terminals which can be used by the passenger are the authentication identification type payment terminal and the attached type payment terminal, obtaining that the priority of the authentication identification type payment terminal is greater than that of the attached type payment terminal based on the priority sequence.
Similar to step S420, since the priority of the authentication recognition terminal is greater than the priority of the fit-type payment terminal, the priority of the authentication recognition terminal is the highest at this time, and the passenger terminal selects the authentication recognition terminal to perform payment. At the moment, the passenger can finish payment through face recognition or fingerprint recognition.
S440, when the types of the open terminals which can be used by the passenger are the authentication identification type payment terminal, the wireless payment terminal and the attachment type payment terminal, based on the priority sequence, the priority of the authentication identification type payment terminal is higher than that of the wireless payment terminal, and the priority of the wireless payment terminal is higher than that of the attachment type payment terminal.
Similar to step S420, since the priority of the authentication and identification type payment terminal is greater than the priority of the wireless payment terminal and the priority of the wireless payment terminal is greater than the priority of the attachment type payment terminal, the priority of the authentication and identification type payment terminal is the highest at this time, and the passenger can complete the payment through face recognition or fingerprint recognition.
Referring to fig. 1, a digital money wallet is called based on a target payment terminal and a preset digital money chip S600.
The digital money wallet refers to a storage medium of digital money. There are various types of digital currencies, such as digital rmb, etc., and passengers can open a digital currency wallet at a designated digital currency operator for handling digital currency exchange, storage, circulation, etc. payment and receipt settlement services. The digital money wallet in this embodiment may be a soft wallet or a hard wallet. Digital currency soft wallets, namely mobile phone apps and various software development kits and the like; the digital currency hard wallet stores the key associated with the digital assets in a chip separately, and is isolated from the internet to ensure the security of the digital assets.
Referring to fig. 3, after invoking the digital money wallet, it includes:
and S610, judging whether the balance in the digital money wallet is larger than or equal to the preset single riding expense.
And S620, if the balance is less than the single riding expense, judging whether the digital money wallet is related to the digital money wallet.
If the balance is less than the single riding expense, the balance is insufficient at the moment, and the passenger terminal searches whether the associated digital money wallet exists or not at the moment.
The associated digital money wallet may be pre-configured, i.e., a parent-friend's digital money wallet may be configured as an associated digital money wallet.
And S630, if the digital money wallet is associated with the digital money wallet, judging whether the balance in the associated digital money wallet is larger than or equal to the single riding fee.
If the digital money wallet does not have the associated digital money wallet, the passenger terminal can send recharging information at the moment to remind the passenger of timely recharging.
And S640, if the balance in the associated digital money wallet is larger than or equal to the single riding fee, deducting the single riding fee from the balance in the associated digital money wallet.
And S650, if the balance in the associated digital money wallet is less than the single riding fee, generating and displaying prompt information.
If the balance in the associated digital currency wallet is less than the single riding expense, the passenger terminal can send recharging information to remind the passenger of recharging in time.
Referring to fig. 1, payment is made based on a digital money wallet S700.
The implementation principle of the composite digital currency hardware wallet payment method in the embodiment of the application is as follows: the bus payment system comprises a bus, a public bus, a wireless payment terminal, a laminating payment terminal and an authentication and identification payment terminal, wherein the public bus is internally provided with the wireless payment terminal, the laminating payment terminal and the authentication and identification payment terminal, the wireless payment terminal is used for enabling a passenger to pay in a wireless mode, and the authentication and identification payment terminal is used for enabling the passenger to pay in an identification mode; the attaching type payment terminal is used for enabling a passenger to complete payment in an attaching mode, wherein the attaching type payment terminal is arranged on the seat side of a public vehicle or a railing in the public vehicle, and the passenger can sit on the seat to pay. The three payment modes shorten the time for passengers to get on the bus, so that the passengers do not need to wait for payment before getting on the bus, and the stop time of the bus is effectively shortened.
The embodiment of the application also discloses a composite digital currency hardware wallet payment device.
Referring to fig. 4, the composite digital currency hardware wallet payment device includes a passenger terminal 1, and a wireless payment module 11, a fit-on payment module 12, an authentication recognition module 13 and a digital currency chip 14 are built in the passenger terminal 1. In this embodiment, the passenger terminal 1 may be a mobile phone, a tablet, or other intelligent terminal device capable of performing intelligent payment.
The wireless payment module 11, the attached payment module 12 and the authentication identification module 13 are all connected with the digital currency chip 14 through wires.
The wireless payment module 11 is used for enabling passengers to pay based on a wireless payment terminal in a public vehicle, specifically, the wireless payment module 11 comprises a Bluetooth module 15 and a WIFI module 16, and the Bluetooth module 15 and the WIFI module 16 are both connected with the digital currency chip 14 through electric wires; namely, the passenger terminal 1 is internally provided with the bluetooth module 15 and the WIFI module 16. The Bluetooth module 15 is used for communicating with a wireless payment terminal preset in the public vehicle, so that passengers call the digital currency chip 14 through the Bluetooth module 15 and complete payment through digital currency; the WIFI module 16 is used for communicating with a preset wireless payment terminal in the public vehicle, so that the passenger calls the digital currency chip 14 through the WIFI module 16 and finishes payment through digital currency.
The attached payment module 12 is used for enabling the passenger to pay based on an attached payment terminal on a seat or a railing in the public vehicle; attached payment module 12 is NFC communication module 17, that is, passenger terminal 1 has NFC communication module 17 built in. The NFC communication module 17 is connected with the digital currency chip 14 through a wire; the NFC communication module 17 is used for enabling a passenger to complete payment by attaching the passenger terminal 1 with the built-in NFC communication module 17 to a preset attachment type payment terminal on a public vehicle.
And an authentication recognition type module 13 for causing the passenger to make a payment based on an authentication recognition type payment terminal in the public vehicle. Specifically, the authentication recognition type payment module comprises a face recognition module 18 and a fingerprint module 19, wherein the face recognition module 18 and the fingerprint module 19 are both connected with the digital currency chip 14 through electric wires, the face recognition module 18 is used for recognizing and collecting facial features of passengers, and the authentication recognition type payment terminal preset on the public vehicle calls the digital currency chip 14 of the passengers based on the facial features of the passengers so that the passengers use digital currency to complete payment in a face recognition mode; the fingerprint module 19 is used for identifying and collecting fingerprint information of passengers, and a preset authentication type payment terminal on the public vehicle calls the digital currency chip 14 of the passengers based on the fingerprint information of the passengers, so that the passengers use the digital currency to complete payment in a fingerprint identification mode.
The digital currency chip 14 is used for being called and completing payment when the passenger uses the wireless payment module 11, the attached payment module 12 and the authentication and identification module 13.
It should be noted that, in this embodiment, all the payment interaction and digital currency chips 14 are called and are controlled by a control chip built in the passenger terminal 1, that is, the passenger terminal 1 already includes the control chip, and the control chip in the passenger terminal 1 is widely used, and therefore will not be described herein again.
The implementation principle of the composite digital currency hardware wallet payment equipment in the embodiment of the application is as follows: wireless payment module 11, laminating formula payment module 12 and authentication identification formula module 13 provide multiple payment mode for the passenger, make the passenger need not to pay the back and reentry the carriage, and the passenger can sit and pay after or getting into the carriage promptly, is favorable to shortening passenger's the time of getting on the bus, and then has effectively shortened the stop time of bus.
The above embodiments are preferred embodiments of the present application, and the protection scope of the present application is not limited by the above embodiments, so: all equivalent changes made according to the structure, shape and principle of the present application shall be covered by the protection scope of the present application.

Claims (9)

1. A composite digital currency hardware wallet payment method, comprising:
when a passenger enters a public vehicle, retrieving payment terminal information to obtain the terminal type of a payment terminal; the terminal types comprise a wireless payment terminal, an attaching payment terminal and an authentication recognition payment terminal; the wireless payment terminal and the authentication identification type payment terminal are both arranged in a public vehicle, and the attached type payment terminal is arranged on a seat edge or a railing in the public vehicle;
judging whether the payment channel of each terminal type is opened or not;
if the payment channels are all opened, acquiring the types of opened terminals which can be used by passengers based on the types of the opened terminals of the payment channels;
based on a preset priority sequence, carrying out priority sequencing on the types of the starting terminals;
taking the starting terminal type with the highest priority as a target payment terminal;
calling a digital currency wallet based on the target payment terminal and a preset digital currency chip;
making a payment based on the digital currency wallet.
2. The method for paying by using a hardware wallet with composite digital currency according to claim 1, wherein the step of acquiring the type of the opened terminal which can be used by a passenger based on the type of the terminal of the opened payment channel comprises the following steps:
judging whether the authentication and identification authorization records of the passengers are stored or not;
if the authentication and identification authorization record is not stored, judging that the passenger cannot use the authentication and identification type payment terminal, and judging whether a preset wireless module is started or not;
if the wireless module is not started, the passenger is judged to be incapable of using the wireless payment terminal and the type of the starting terminal which can be used by the passenger is judged to be the attaching type payment terminal.
3. The method of claim 2, wherein the obtaining of the type of open terminal that can be used by the passenger based on the type of terminal of the open payment channel further comprises:
if the authentication identification authorization record is not stored, judging that the passenger cannot use the authentication identification type payment terminal;
if the wireless module is started, the passenger can use the wireless payment terminal and the type of the starting terminal which can be used by the passenger is judged to be the attaching type payment terminal and the wireless payment terminal.
4. The composite digital currency hardware wallet payment method of claim 3, wherein the obtaining of the open terminal type that can be used by the passenger based on the terminal type of the open payment channel further comprises:
if the authentication identification authorization record of the passenger is stored, judging that the passenger can use the authentication identification type payment terminal;
if the wireless module is not started, the passenger is judged to be incapable of using the wireless payment terminal and the type of the starting terminal which can be used by the passenger is judged to be the authentication identification type payment terminal and the attaching type payment terminal.
5. The composite digital currency hardware wallet payment method of claim 4, wherein the obtaining of the open terminal type that can be used by the passenger based on the terminal type of the open payment channel further comprises:
if the passenger authentication and identification authorization record is stored, judging that the passenger can use the authentication and identification type payment terminal;
if the wireless module is started, the passenger can use the wireless payment terminal and the starting terminal type which can be used by the passenger is judged to be the authentication identification type payment terminal, the wireless payment terminal and the attaching type payment terminal.
6. The method as claimed in claim 5, wherein the priority order is that the authentication-identified payment terminal has a priority greater than that of the wireless payment terminal, and the wireless payment terminal has a priority greater than that of the fit-type payment terminal;
the priority ranking of the types of the open terminals based on the preset priority sequence comprises the following steps:
when the type of the starting terminal which can be used by the passenger is a fit type payment terminal, judging that the priority of the fit type payment terminal is the highest;
when the types of the starting terminals which can be used by the passenger are the attached payment terminal and the wireless payment terminal, the priority of the wireless payment terminal is obtained to be larger than that of the attached payment terminal based on the priority sequence;
when the types of the starting terminals which can be used by the passenger are the authentication identification type payment terminal and the attaching type payment terminal, the priority of the authentication identification type payment terminal is higher than that of the attaching type payment terminal based on the priority sequence;
and when the types of the opening terminals which can be used by the passenger are the authentication identification type payment terminal, the wireless payment terminal and the attachment type payment terminal, based on the priority order, the priority of the authentication identification type payment terminal is obtained to be greater than the priority of the wireless payment terminal, and the priority of the wireless payment terminal is greater than the priority of the attachment type payment terminal.
7. The composite digital currency hardware wallet payment method of claim 1, after said invoking digital currency wallet comprising:
judging whether the balance in the digital money wallet is larger than or equal to a preset single riding expense or not;
if the balance is less than the single riding expense, judging whether the digital money wallet is related to the digital money wallet;
if the digital money wallet is associated with a related digital money wallet, judging whether the balance in the related digital money wallet is greater than or equal to the single riding expense;
if the balance in the associated digital money wallet is larger than or equal to the single riding fee, deducting the single riding fee from the balance in the associated digital money wallet;
and if the balance in the associated digital money wallet is less than the single riding fee, generating and displaying prompt information.
8. A composite digital currency hardware wallet payment device, comprising: the passenger terminal (1) is internally provided with a wireless payment module (11), a laminating payment module (12), an authentication identification module (13) and a digital currency chip (14), and the wireless payment module (11), the laminating payment module (12) and the authentication identification module (13) are all connected with the digital currency chip (14);
the wireless payment module (11) is used for enabling the passenger to pay based on a wireless payment terminal in the public vehicle, and the attached payment module (12) is used for enabling the passenger to pay based on an attached payment terminal on a seat or a railing in the public vehicle; the authentication and identification type module (13) is used for enabling passengers to pay based on an authentication and identification type payment terminal in the public vehicle; the digital currency chip (14) is used for being called and completing payment when a passenger uses the wireless payment module (11), the attached payment module (12) and the authentication and identification module (13).
9. A composite digital currency hardware wallet payment device as claimed in claim 8, wherein: the wireless payment module (11) comprises a Bluetooth module (15) and a WIFI module (16), and the Bluetooth module (15) and the WIFI module (16) are both connected with the digital currency chip (14); the Bluetooth module (15) is used for communicating with a wireless payment terminal preset in the public vehicle, so that passengers call the digital currency chip (14) through the Bluetooth module (15) and complete payment through digital currency; the WIFI module (16) is used for communicating with a wireless payment terminal preset in the public vehicle, so that passengers call the digital currency chip (14) through the WIFI module (16) and complete payment through digital currency;
the attached payment module (12) is an NFC communication module (17), and the NFC communication module (17) is connected with the digital currency chip (14); the NFC communication module (17) is used for enabling a passenger to complete payment by attaching the passenger terminal (1) with the built-in NFC communication module (17) to a pre-set attachment type payment terminal on a public vehicle;
the authentication recognition type payment module comprises a face recognition module (18) and a fingerprint module (19), the face recognition module (18) and the fingerprint module (19) are both connected with the digital currency chip (14), the face recognition module (18) is used for recognizing and collecting facial features of passengers, and an authentication recognition type payment terminal preset on a public vehicle calls the digital currency chip (14) of the passengers based on the facial features of the passengers so that the passengers finish payment by using digital currency in a face recognition mode; the fingerprint module (19) is used for identifying and collecting fingerprint information of passengers, and the authentication identification type payment terminal preset on the public vehicle calls a digital currency chip (14) of the passengers based on the fingerprint information of the passengers, so that the passengers finish payment by using digital currency in a fingerprint identification mode.
CN202210577438.0A 2022-05-25 2022-05-25 Composite digital currency hardware wallet payment method and equipment Withdrawn CN115018481A (en)

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Cited By (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN115879932A (en) * 2023-01-29 2023-03-31 深圳市深圳通有限公司 Digital wallet payment method, system, device and medium
CN115984984A (en) * 2022-12-29 2023-04-18 北京万集科技股份有限公司 Payment method for ETC system, related product and ETC system
CN116911844A (en) * 2023-09-13 2023-10-20 深圳市深圳通有限公司 Public transport hardware wallet payment method, device, equipment and storage medium

Cited By (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN115984984A (en) * 2022-12-29 2023-04-18 北京万集科技股份有限公司 Payment method for ETC system, related product and ETC system
CN115879932A (en) * 2023-01-29 2023-03-31 深圳市深圳通有限公司 Digital wallet payment method, system, device and medium
CN116911844A (en) * 2023-09-13 2023-10-20 深圳市深圳通有限公司 Public transport hardware wallet payment method, device, equipment and storage medium

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