WO2019149057A1 - 一种支付乘车费的方法、装置及设备 - Google Patents

一种支付乘车费的方法、装置及设备 Download PDF

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Publication number
WO2019149057A1
WO2019149057A1 PCT/CN2019/071689 CN2019071689W WO2019149057A1 WO 2019149057 A1 WO2019149057 A1 WO 2019149057A1 CN 2019071689 W CN2019071689 W CN 2019071689W WO 2019149057 A1 WO2019149057 A1 WO 2019149057A1
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WIPO (PCT)
Prior art keywords
client
information
user
payment device
boarding
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PCT/CN2019/071689
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English (en)
French (fr)
Inventor
李佳佳
翟芬
倪飞
鲁教
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阿里巴巴集团控股有限公司
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
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Publication date
Application filed by 阿里巴巴集团控股有限公司 filed Critical 阿里巴巴集团控股有限公司
Priority to JP2020536637A priority Critical patent/JP2021513129A/ja
Priority to KR1020207018759A priority patent/KR20200094188A/ko
Priority to EP19748389.4A priority patent/EP3716184A4/en
Priority to SG11202006068VA priority patent/SG11202006068VA/en
Publication of WO2019149057A1 publication Critical patent/WO2019149057A1/zh
Priority to US16/888,504 priority patent/US20210224784A1/en

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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
    • G06Q20/30—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
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/108—Remote banking, e.g. home banking
    • 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
    • G06Q20/08—Payment architectures
    • G06Q20/12—Payment architectures specially adapted for electronic shopping systems
    • G06Q20/127—Shopping or accessing services according to a time-limitation
    • 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
    • G06Q20/08—Payment architectures
    • G06Q20/14—Payment architectures specially adapted for billing systems
    • 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
    • G06Q20/326—Payment applications installed on the mobile 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
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • 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
    • G06Q50/00—Information and communication technology [ICT] specially adapted for implementation of business processes of specific business sectors, e.g. utilities or tourism
    • G06Q50/40—Business processes related to the transportation industry
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07B—TICKET-ISSUING APPARATUS; FARE-REGISTERING APPARATUS; FRANKING APPARATUS
    • G07B15/00—Arrangements or apparatus for collecting fares, tolls or entrance fees at one or more control points
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07B—TICKET-ISSUING APPARATUS; FARE-REGISTERING APPARATUS; FRANKING APPARATUS
    • G07B15/00—Arrangements or apparatus for collecting fares, tolls or entrance fees at one or more control points
    • G07B15/02—Arrangements or apparatus for collecting fares, tolls or entrance fees at one or more control points taking into account a variable factor such as distance or time, e.g. for passenger transport, parking systems or car rental systems
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F17/00—Coin-freed apparatus for hiring articles; Coin-freed facilities or services
    • G07F17/0042—Coin-freed apparatus for hiring articles; Coin-freed facilities or services for hiring of objects
    • G07F17/0057—Coin-freed apparatus for hiring articles; Coin-freed facilities or services for hiring of objects for the hiring or rent of vehicles, e.g. cars, bicycles or wheelchairs
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04W—WIRELESS COMMUNICATION NETWORKS
    • H04W12/00—Security arrangements; Authentication; Protecting privacy or anonymity
    • H04W12/03—Protecting confidentiality, e.g. by encryption
    • H04W12/033—Protecting confidentiality, e.g. by encryption of the user plane, e.g. user's traffic
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04W—WIRELESS COMMUNICATION NETWORKS
    • H04W4/00—Services specially adapted for wireless communication networks; Facilities therefor
    • H04W4/80—Services using short range communication, e.g. near-field communication [NFC], radio-frequency identification [RFID] or low energy communication
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04W—WIRELESS COMMUNICATION NETWORKS
    • H04W76/00—Connection management
    • H04W76/10—Connection setup
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04W—WIRELESS COMMUNICATION NETWORKS
    • H04W8/00—Network data management
    • H04W8/18—Processing of user or subscriber data, e.g. subscribed services, user preferences or user profiles; Transfer of user or subscriber data
    • 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
    • G06Q2220/00—Business processing using cryptography
    • 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
    • G06Q2240/00—Transportation facility access, e.g. fares, tolls or parking
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L9/00—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols
    • H04L9/50—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols using hash chains, e.g. blockchains or hash trees

Definitions

  • the present specification relates to the field of information technology, and in particular, to a method, device and device for paying a bus fare.
  • the user can use the client on the mobile phone to display the QR code containing the user's travel voucher information to the subway gate, and the subway gate scans. After the QR code, the user's travel voucher information can be obtained. Subsequently, the subway gate device verifies the boarding credential information, and if the verification is passed, the portal can be opened on the one hand, the user is allowed to enter the station, and the server is requested to correspond to the account identifier included in the boarding credential information. The fare is deducted from the account and the deducted fare is paid to the subway management system.
  • the embodiment of the present specification provides a method, device and device for paying a travel fee, so as to solve the problem that the existing method for paying a ride fee is not convenient for the user.
  • a method for paying a bus fare provided by the embodiment of the present specification the client is installed on a terminal supporting a Host-based Card Emulation (HCE), and the method includes:
  • the client receives an HCE-based routing instruction sent by an operating system of the terminal; the routing instruction is sent by a collection device of a public transportation system to the terminal;
  • the client responding to the routing instruction, the client establishes a Near Field Communication (NFC) connection with the payment device;
  • NFC Near Field Communication
  • the receiving device of the public transportation system sends an HCE-based routing instruction to the terminal, so that the operating system of the terminal sends the location to the client installed on the terminal according to the client identifier of the client included in the routing instruction. Routing instruction
  • the boarding voucher information is verified, and if the verification is passed, the boarding fee is deducted from the account of the user according to the boarding credential information.
  • the client supporting the host card emulating the HCE is installed with a client, and the method includes:
  • the operating system of the terminal receives an HCE-based routing instruction sent by the payment device of the public transportation system;
  • the information is transmitted to the payment device, so that the payment device deducts the ride fee from the account of the user according to the ride voucher information after verifying the received travel voucher information.
  • a device for paying a bus fare provided by an embodiment of the present specification, the device supporting the host card emulating an HCE is installed on the terminal, and the device includes:
  • the first receiving module receives an HCE-based routing instruction sent by the operating system of the terminal; the routing instruction is sent by the collection device of the public transportation system to the terminal;
  • connection module in response to the routing instruction, causing the device to establish a near field communication NFC connection with the payment device;
  • Transmitting module through the NFC connection, transmitting the user's riding voucher information to the payment device, so that the payment device verifies the received riding voucher information, and according to the riding voucher information
  • the ride fee is deducted from the user's account.
  • the first sending module sends an HCE-based routing instruction to the terminal, so that the operating system of the terminal sends the client identifier to the client installed on the terminal according to the client identifier of the client included in the routing instruction. Routing instruction
  • connection module establishing an NFC connection with the client in response to the routing instruction
  • the verification module verifies the boarding credential information, and if the verification passes, deducting the boarding fee from the account of the user according to the boarding credential information.
  • the client supporting the host card emulating the HCE is installed with a client, and the device includes:
  • a receiving module which receives an HCE-based routing instruction sent by a receiving device of the public transportation system
  • a determining module based on the HCE function, determining, according to the client identifier included in the routing instruction, a client corresponding to the client identifier installed in the terminal;
  • the sending module Sending, by the sending module, the routing instruction to the determined client, so that the client establishes a NFC connection with the receiving device according to the routing instruction, and connects the user through the NFC connection.
  • the boarding voucher information is transmitted to the payment device, so that the payment device deducts the boarding fee from the user's account according to the boarding voucher information after verifying the received boarding credential information.
  • the terminal supports a host card emulating an HCE
  • the terminal includes one or more processors and a memory
  • the memory stores a program, and is configured to be configured by the one or more processors Perform the following steps:
  • a cash collection device includes one or more processors and a memory, the memory stores a program, and is configured to perform the following steps by the one or more processors:
  • the boarding voucher information is verified, and if the verification is passed, the boarding fee is deducted from the account of the user according to the boarding credential information.
  • the client may be installed on the terminal supporting the HCE in advance, and when the user rides the vehicle, the terminal may be close to the receiving device of the public transportation system,
  • the receiving device may send an HCE-based routing instruction to the terminal, and the operating system of the terminal sends the routing instruction to the client according to the client identifier of the client included in the routing instruction,
  • the client establishes an NFC connection with the payment device in response to the routing instruction.
  • the client may transmit the boarding credential information to the payment device through the NFC connection, and after the payment device verifies the received boarding credential information, the receiving device may obtain the boarding credential information from the user according to the boarding credential information.
  • the fare is deducted from the account.
  • the user does not have to perform a relatively cumbersome operation to scan the two-dimensional code with the payment device, and only needs to bring the terminal close to the collection device, and the client installed on the terminal can pass the NFC established with the payment device. Connection, the travel voucher information is transmitted to the payment device, and the travel fee is paid. This is more convenient for the user.
  • 1 is a flow chart of a method for paying a ride fee according to an embodiment of the present disclosure
  • FIG. 2 is a schematic diagram of an apparatus for paying a bus fare provided by an embodiment of the present specification
  • FIG. 3 is a schematic diagram of another apparatus for paying a bus fare provided by an embodiment of the present specification.
  • FIG. 4 is a schematic diagram of another apparatus for paying a bus fare provided by an embodiment of the present specification.
  • FIG. 5 is a schematic diagram of a terminal provided by an embodiment of the present specification.
  • FIG. 6 is a schematic diagram of a collection device provided by an embodiment of the present specification.
  • the payment device of the public transportation system can obtain the user's passenger voucher information by scanning the two-dimensional code presented by the user, and the travel voucher information includes the user's account identifier, which can be used for payment of the travel fee.
  • this method requires the user to perform a relatively cumbersome operation, that is, unlocking the terminal screen, opening the specified application, triggering display of the two-dimensional code including the travel credential information in the interface of the designated application, and displaying the two-dimensional code to the payment device. scanning.
  • the success rate of the payment device scanning the two-dimensional code is not high, and the user needs to try multiple times.
  • the existing method of paying the ride fee causes a lot of inconvenience to the user.
  • the purpose of the technical solution claimed in the present invention is to enable the user to transmit the travel voucher information to the collection device without paying the two-dimensional code to the payment device, and to pay the travel fee. In this way, the user does not have to perform the more cumbersome operations described above.
  • the HCE technology can be used to implement card emulation of the terminal without the participation of a Secure Element (SE).
  • SE Secure Element
  • the client installed on the terminal can establish an NFC connection with the payment device through the terminal, and transmit the user's travel voucher information to the payment device to pay the travel fee.
  • FIG. 1 is a flow chart of a method for paying a bus fare provided by an embodiment of the present specification, including the following steps:
  • S100 The receiving device of the public transportation system sends an HCE-based routing instruction to the terminal.
  • the public transportation system may be a management system of a public transportation institution such as a bus company or a subway company, and the collection equipment of the public transportation system may be a subway gate, a card reader on a bus, or the like.
  • the terminal may be a smart device that can be applied to a mobile payment scenario, such as a user's mobile phone, tablet, or laptop.
  • the payment device and the terminal both have an NFC chip built therein.
  • the terminal should support the HCE.
  • the terminal can be installed with an Android system supporting HCE (such as Android 4.4 or higher) or other systems supporting HCE.
  • the user needs to set the mode in which the terminal is located to the HCE mode in advance to activate the HCE function of the terminal.
  • users need to install a client based on the specified application developed by HCE on their own terminal.
  • the specified application may be an application with a fare payment function developed based on HCE.
  • the client may register the client identifier in the operating system of the terminal in advance.
  • the management party of the client may provide the client identifier to the public transportation system in advance, and agree that the payment device of the public transportation system requests the terminal corresponding to the client identifier when detecting that the terminal in the HCE mode is close to the terminal. Establish an NFC connection.
  • the terminal can be close to the receiving device.
  • the receiving device detects that it is in the HCE.
  • the payment device sends an HCE-based routing instruction to the terminal.
  • the routing instruction includes a client identifier of the client.
  • S102 The operating system of the terminal determines, according to the HCE function, the client corresponding to the client identifier installed in the terminal according to the client identifier included in the routing instruction.
  • S104 The operating system of the terminal sends the routing instruction to the determined client.
  • the operating system of the terminal After receiving the routing instruction sent by the payment device, the operating system of the terminal determines whether there is a client identifier included in the routing instruction in each registered client identifier, and if yes, the route is The client corresponding to the client identifier included in the instruction forwards the routing instruction, and if not, returns a failure result to the payment device.
  • S106 The client establishes an NFC connection with the payment device in response to the routing instruction.
  • the establishment of the NFC connection does not depend on the Internet or the local area network. Therefore, when both the terminal and the collection device are offline, the client and the payment device can still establish an NFC connection.
  • the client transmits the user's boarding credential information to the payment device through the NFC connection.
  • the payment device verifies the travel voucher information, and if the verification passes, deducting the travel fee from the account of the user according to the travel voucher information.
  • the boarding credential information is information that is provided to the receiving device for verification and used to settle the fare fee when the user rides the vehicle.
  • the ride fee is usually deducted from the user's account based on the ride voucher information.
  • the payment device may send the account identifier of the user included in the verified travel credential information to the server corresponding to the client, so that the server deducts the travel fee from the account corresponding to the account identifier.
  • the deducted bus fare is paid to the bus system. It is worth emphasizing that the payment device can verify the received travel voucher information under the premise of being offline.
  • the server is requested to deduct the ride fee from the user's account.
  • the ride voucher information is generally converted into a two-dimensional code, and the payment device scans the two-dimensional code to obtain the ride voucher information.
  • the user does not need to use the client on the terminal to present the two-dimensional code for scanning by the receiving device, but the client directly transmits the riding credential information to the receiving device through the established NFC connection.
  • the user's travel voucher information usually includes the user's account identification and other related information (such as the number of the public transportation system that approves the effectiveness of the travel voucher information, the validity period of the travel voucher information, the identity information of the user, etc.
  • the ticket voucher information needs to be signed by the user's private key, and also needs to be signed by the private key of the public transportation system that has been agreed with the management party of the client in advance.
  • the payment device After receiving the user's travel voucher information, the payment device mainly verifies the signature of the user and the public transportation system. If the verification is passed, it means that the effectiveness of the travel voucher information has been obtained by the user and the public transportation. System recognition.
  • the user private key required to generate the user's riding credential information generally has an expiration date, and when the client generates the riding credential information according to the credential related data of the user, if it is determined that the saved user's private key has expired Then, the boarding credential information may be generated after obtaining a valid user's private key from the server.
  • the client may be installed on the terminal supporting the HCE in advance.
  • the terminal When the user rides the vehicle, the terminal may be attached to the payment device of the public transportation system, and the payment device may The terminal sends an HCE-based routing instruction, and the operating system of the terminal sends the routing instruction to the client according to the client identifier of the client included in the routing instruction, where the client responds to the The routing instruction establishes a near field communication NFC connection with the payment device.
  • the client may transmit the boarding credential information to the payment device through the NFC connection, and after the payment device verifies the received boarding credential information, the receiving device may obtain the boarding credential information from the user according to the boarding credential information. The fare is deducted from the account.
  • the user does not have to perform the following cumbersome operation, that is, unlocking the terminal screen, opening the specified application, triggering display of the two-dimensional code including the travel voucher information in the interface of the designated application, and displaying the two-dimensional code to
  • the receiving device scans.
  • the user only needs to bring the terminal close to the payment device, and the client installed on the terminal can transmit the passenger voucher information to the payment device through the NFC connection established with the payment device, and pay the travel fee. This is more convenient for the user.
  • the influence of the illumination condition can be excluded, and the terminal can successfully transmit the vehicle voucher information to the payment device for verification regardless of the illumination condition, and the scan success rate of the prior art does not occur. High problem.
  • the client may obtain the user's riding credential information in the following manners, and when the user closes the terminal to the receiving device, the obtained voucher information will be obtained through the established NFC connection. Transfer to the receiving device.
  • the client obtains the user's boarding credential information from the server corresponding to the client.
  • the terminal is required to be in an online state to enable the client to perform data interaction with the server.
  • the ride voucher information is actually generated by the server based on the user's voucher related data.
  • the voucher-related data of the user is data for generating the voucher information, which may specifically include the account identifier of the user, and other related information as described above (such as the number of the bus system that approves the effectiveness of the voucher information). , the validity period of the passenger voucher information, the user's identity information, etc.), the user's private key, the private key of the public transportation system, and the like.
  • the client obtains the credential related data of the user from the server corresponding to the client, and generates the credential credential information of the user according to the credential related data.
  • the terminal is also required to be online.
  • the client obtains the pre-stored voucher related data of the user from the local, and generates the user's riding voucher information according to the voucher related data.
  • the user's voucher related data is pre-stored locally by the client.
  • the terminal can be offline.
  • the client may preferentially obtain the user's credential related data from the local. If the acquisition fails, the travel credential information may be obtained in two other ways.
  • the management side of the client may cooperate with a plurality of different public transportation systems to obtain authorizations of multiple public transportation systems. Therefore, for each public transportation system, the client needs to refer to the public transportation system.
  • the system's collection device transmission is only applicable to the vehicle's voucher information for public transportation on the bus system.
  • the payment device may send the saved bus system identifier to the client through the established NFC connection, and the client may connect the user through the NFC connection.
  • the boarding voucher information identified by the bus system is transmitted to the payment device.
  • the client may acquire the voucher related data of the user corresponding to the public transportation system identifier, and then generate the riding voucher information according to the obtained voucher related data.
  • the client may perform an encryption algorithm pre-agreed with the public transportation system.
  • the boarding credential information is encrypted to obtain the encrypted information, and then the encrypted information is transmitted to the collection device.
  • the receiving device may perform a decryption algorithm corresponding to the encryption algorithm. Decrypting the encrypted information to obtain the boarding credential information for verification.
  • the travel voucher information in order for the payment device to receive the travel voucher information transmitted by the client as soon as possible, the travel voucher information may be sub-packetized.
  • the payment device may first send a data offset to the client by using the NFC connection, and the client splits the passenger voucher information into several according to the received data offset.
  • the data packet is then transmitted to the payment device.
  • the payment device After receiving the data packets, the payment device assembles the received data packets into the passenger voucher information according to the data offset.
  • the data offset received by the client is usually a sequence of natural numbers (which can be called an offset sequence) in which the first natural number is 0.
  • Each data packet obtained by splitting the boarding credential information according to the offset sequence is also arranged in an orderly manner, and the natural numbers of the same sorting have a corresponding relationship with the data packet.
  • the manner in which the client splits the boarding credential information into a plurality of data packets according to the received data offset may be that the client may sort according to the natural numbers in the offset sequence. Perform the following steps for each natural number in the sequence of offsets in sequence:
  • the data of the N+1th unit to the Mth unit in the ticket voucher information is encapsulated into a data packet, where M is the next natural number after the natural number N in the offset sequence.
  • the units include, but are not limited to, bits, characters, bytes, and other units used to characterize the amount of data. If the natural number N is the last natural number in the offset sequence, the data from the N+1th unit to the last unit in the boarding credential information is encapsulated into one data packet.
  • the manner in which the payment device assembles the plurality of data packets into the vehicle voucher information according to the data offset may be that the payment device may respectively correspond the data packets corresponding to the natural numbers according to the order of the natural numbers in the offset sequence.
  • the splicing is sequentially performed to obtain the vouchers information.
  • the offset sequence is “0, 3, 6”, and the ride voucher information is “20180714”, and the client may use the offset sequence for the first natural number 0,
  • the character “1" of the first order of the boarding voucher information is encapsulated into the packet "201" for the character "1" of the third order; for the second natural number 3, the fourth of the boarding credential information is The character "8" of the order character “8" to the sixth order is encapsulated into a packet "807"; for the third natural number 6, the character "1" of the seventh order of the boarding credential information is All subsequent characters are encapsulated as packet "14".
  • the payment device may correspond to the data packet "201" corresponding to the natural number 0, the data packet "807” corresponding to the natural number 3, and the natural number 6 according to the order of the natural numbers in the offset sequence.
  • the data packet "14" is sequentially spliced to obtain the passenger voucher information "20180714".
  • each data packet may be separately encrypted according to an encryption algorithm pre-agreed with the public transportation system, and each data packet is respectively correspondingly obtained. Encrypted packets are then transmitted to the receiving device via an NFC connection.
  • the payment device may decrypt each encrypted data packet according to a decryption algorithm corresponding to the encryption algorithm to obtain each data packet, and then assemble each data packet into a car according to the data offset. Voucher information for verification.
  • the payment device may further send the verification result of the boarding credential information to the client by using the NFC connection, and the client may display the received verification result. To prompt the user.
  • the embodiment of the present specification further provides a device for paying a ride fee.
  • the device is installed on a terminal supporting the host card to simulate the HCE.
  • the device includes:
  • the first receiving module 201 receives an HCE-based routing instruction sent by the operating system of the terminal, where the routing instruction is sent by the payment device of the public transportation system to the terminal;
  • connection module 202 in response to the routing instruction, causing the device to establish a near field communication NFC connection with the payment device;
  • the transmission module 203 is configured to transmit, by the NFC connection, the user's riding voucher information to the payment device, so that the payment device verifies the received riding voucher information, and according to the passenger voucher The information is deducted from the user's account for the ride fee.
  • the device further includes: an obtaining module 204, before the transmitting module 203 transmits the user's riding credential information to the receiving device, acquiring the user's riding credential information from the server corresponding to the device; or Obtaining, by the server corresponding to the device, the credential related data of the user, and generating the travel credential information of the user according to the credential related data; or acquiring the pre-stored credential related data of the user from the local, and according to the credential The relevant data generates the user's ride voucher information.
  • the device further includes: a second receiving module 205, before the transmitting module 203 transmits the user's riding voucher information to the receiving device, receiving the public transportation system sent by the payment device through the NFC connection Identification
  • the transmission module 203 transmits the user's travel voucher information corresponding to the public transportation system identifier to the payment device.
  • the transmission module 203 encrypts the boarding credential information according to an encryption algorithm pre-agreed with the bus system to obtain the encrypted information; and transmits the encrypted information to the payment device to make the payment device Decrypting the encrypted information according to a decryption algorithm corresponding to the encryption algorithm to obtain the boarding credential information.
  • the device further includes: a third receiving module 206, before the transmitting module 203 transmits the user's riding credential information to the payment device, receiving, by the NFC connection, the data offset sent by the payment device Transfer amount
  • the offset amount is assembled into the received voucher information.
  • the device further includes: a display module 207, receiving, by the NFC connection, a verification result of the boarding credential information sent by the payment device, and displaying the verification result.
  • the embodiment of the present specification further provides another device for paying the ride fee, as shown in FIG. 3 , including:
  • the first sending module 301 sends an HCE-based routing instruction to the terminal, so that the operating system of the terminal sends the client to the client installed on the terminal according to the client identifier of the client included in the routing instruction. Routing instruction
  • the connection module 302 establishes an NFC connection with the client that responds to the routing instruction.
  • the receiving module 303 receives, by the NFC connection, the boarding credential information transmitted by the client;
  • the verification module 304 verifies the boarding credential information, and if the verification passes, deducting the boarding fee from the account of the user according to the boarding credential information.
  • the device further includes: a second sending module 305, before the receiving module 302 receives the boarding credential information transmitted by the client, sending, by using the NFC connection, the public transportation system identifier saved by the client, So that the client transmits the boarding credential information corresponding to the bus system identifier to the payment device.
  • the receiving module 302 receives the encrypted information transmitted by the client, and the encrypted information is obtained by the client encrypting the user's riding credential information according to an encryption algorithm pre-agreed with the device;
  • the decryption algorithm of the encryption algorithm decrypts the encrypted information to obtain the boarding credential information.
  • the device further includes: a third sending module 306, before the receiving module receives the riding credential information transmitted by the client, sending, by using the NFC connection, a data offset to the client;
  • the receiving module receives a plurality of data packets transmitted by the client; the plurality of data packets are obtained by the client splitting the user's riding credential information according to the data offset; according to the data The offset amount is assembled into the received voucher information.
  • the device further includes: a fourth sending module 307, by using the NFC connection, sending a verification result of the riding credential information to the client, so that the client displays the verification result.
  • the embodiment of the present specification further provides another device for paying the ride fee.
  • the client that supports the host card to simulate the HCE is installed with the client.
  • the device includes:
  • the receiving module 401 receives an HCE-based routing instruction sent by the payment device of the public transportation system
  • the determining module 402 is configured to determine, according to the HCE function, the client corresponding to the client identifier installed in the terminal according to the client identifier included in the routing instruction;
  • the sending module 403 is configured to send the routing instruction to the determined client, so that the client establishes a NFC connection with the receiving device according to the routing instruction, and connects the user through the NFC connection.
  • the boarding voucher information is transmitted to the payment device, so that the payment device deducts the boarding fee from the user's account according to the boarding voucher information after verifying the received boarding credential information.
  • the embodiment of the present specification further provides a terminal according to the method for paying a travel fee shown in FIG. 1.
  • the terminal supports an HCE, and the terminal includes one or more processors and a memory.
  • the memory stores a program and is configured to perform the following steps by the one or more processors:
  • the embodiment of the present specification further provides a payment device.
  • the device includes one or more processors and a memory, and the memory stores And the program is configured to perform the following steps by the one or more processors:
  • the boarding voucher information is verified, and if the verification is passed, the boarding fee is deducted from the account of the user according to the boarding credential information.
  • PLD Programmable Logic Device
  • FPGA Field Programmable Gate Array
  • HDL Hardware Description Language
  • the controller can be implemented in any suitable manner, for example, the controller can take the form of, for example, a microprocessor or processor and computer readable storage storing computer readable program code (eg, software or firmware) executable by the (micro)processor.
  • computer readable program code eg, software or firmware
  • examples of controllers include, but are not limited to, the following microcontrollers: ARC 625D, Atmel AT91SAM The Microchip PIC18F26K20 and the Silicone Labs C8051F320, the memory controller can also be implemented as part of the memory's control logic.
  • the controller in addition to implementing the controller in purely computer readable program code, the controller can be logically programmed by means of logic gates, switches, application specific integrated circuits, programmable logic controllers, and embedding.
  • Such a controller can therefore be considered a hardware component, and the means for implementing various functions included therein can also be considered as a structure within the hardware component.
  • a device for implementing various functions may be considered to be either a software module implementing the device or a structure within a hardware component.
  • the system, device, module or unit illustrated in the above embodiments may be implemented by a computer chip or an entity, or by a product having a certain function.
  • a typical implementation device is a computer.
  • the computer can be, for example, a personal computer, a laptop computer, a cellular phone, a camera phone, a smart phone, a personal digital character assistant, a media player, a navigation device, an email device, a game console, a tablet computer, a wearable device. Or a combination of any of these devices.
  • embodiments of the present invention can be provided as a device, system, or computer program product. Accordingly, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment, or a combination of software and hardware. Moreover, the invention can take the form of a computer program product embodied on one or more computer-usable storage media (including but not limited to disk storage, CD-ROM, optical storage, etc.) including computer usable program code.
  • computer-usable storage media including but not limited to disk storage, CD-ROM, optical storage, etc.
  • the computer program instructions can also be stored in a computer readable memory that can direct a computer or other programmable data processing device to operate in a particular manner, such that the instructions stored in the computer readable memory produce an article of manufacture comprising the instruction device.
  • the apparatus implements the functions specified in one or more blocks of a flow or a flow and/or block diagram of the flowchart.
  • These computer program instructions can also be loaded onto a computer or other programmable data processing device such that a series of operational steps are performed on a computer or other programmable device to produce computer-implemented processing for execution on a computer or other programmable device.
  • the instructions provide steps for implementing the functions specified in one or more of the flow or in a block or blocks of a flow diagram.
  • a computing device includes one or more processors (CPUs), input/output interfaces, network interfaces, and computer readable storage media.
  • processors CPUs
  • input/output interfaces network interfaces
  • computer readable storage media computer readable storage media
  • Computer readable storage media including both permanent and non-persistent, removable and non-removable media may be implemented by any method or technology.
  • the information can be computer readable instructions, data structures, modules of programs, or other data.
  • Examples of computer readable storage media include, but are not limited to, phase change memory (PRAM), static random access memory (SRAM), dynamic random access memory (DRAM), other types of random access memory (RAM), read only Memory (ROM), electrically erasable programmable read only memory (EEPROM), flash memory or other memory technology, CD-ROM, digital versatile disc (DVD) or other optical storage
  • PRAM phase change memory
  • SRAM static random access memory
  • DRAM dynamic random access memory
  • RAM random access memory
  • ROM read only Memory
  • EEPROM electrically erasable programmable read only memory
  • flash memory or other memory technology
  • CD-ROM compact disc
  • DVD digital versatile disc
  • Computer-readable storage media does not include temporary storage computer readable media, such as modulated data signals and carrier waves.
  • program modules include routines, programs, objects, components, data structures, and the like that perform particular tasks or implement particular abstract data types.
  • the present specification can also be practiced in distributed computing environments where tasks are performed by remote processing devices that are connected through a communication network.
  • program modules can be located in both local and remote computer storage media including storage devices.

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Abstract

一种支付乘车费的方法、装置及设备。在本方法中，可以预先在支持HCE的终端上安装客户端，当用户乘车时，可以将终端贴近公交系统的收款设备，所述收款设备可以向所述终端发送基于HCE的路由指令，使得所述终端的操作系统根据所述路由指令包含的所述客户端的客户端标识，将所述路由指令发送给所述客户端，进而使得所述客户端响应于所述路由指令，与所述收款设备建立NFC连接。然后，所述客户端可以通过所述NFC连接将乘车凭证信息传输给收款设备，收款设备对接收到的乘车凭证信息验证通过后，可以根据所述乘车凭证信息从所述用户的账户中扣除乘车费。

Description

一种支付乘车费的方法、装置及设备
相关申请的交叉引用
本专利申请要求于2018年1月31日提交的、申请号为201810093234.3、发明名称为“一种支付乘车费的方法、装置及设备”的中国专利申请的优先权，该申请的全文以引用的方式并入本文中。
技术领域
本说明书涉及信息技术领域，尤其涉及一种支付乘车费的方法、装置及设备。
背景技术
目前，用户乘坐地铁、公交车等公共交通工具时，可以使用二维码验证乘车，并支付乘车费。
具体而言，以用户乘坐地铁为例，用户来到地铁闸机前准备进站时，可以使用手机上客户端向地铁闸机展示包含用户的乘车凭证信息的二维码，地铁闸机扫描二维码后，可以获得用户的乘车凭证信息。随后，地铁闸机会对所述乘车凭证信息进行验证，若验证通过，则可以一方面控制入口开启，允许用户进站，另一方面请求服务器从所述乘车凭证信息包含的账户标识对应的账户中扣除乘车费，并将扣除的乘车费支付给地铁管理系统。
基于现有技术，需要一种更为便捷的支付乘车费的方法。
发明内容
本说明书实施例提供一种支付乘车费的方法、装置及设备，以解决现有的支付乘车费的方法存在的对用户而言不够便捷的问题。
为解决上述技术问题，本说明书实施例是这样实现的：
本说明书实施例提供的一种支付乘车费的方法，支持主机卡模拟(Host-based Card Emulation，HCE)的终端上安装有客户端，所述方法包括：
所述客户端接收所述终端的操作系统发送的基于HCE的路由指令；所述路由指令是公交系统的收款设备向所述终端发送的；
响应于所述路由指令，所述客户端与所述收款设备建立近场通信(Near Field Communication，NFC)连接；
通过所述NFC连接，将用户的乘车凭证信息传输给所述收款设备，以使所述收款设备对接收到的乘车凭证信息验证通过后，根据所述乘车凭证信息从所述用户的账户中扣除乘车费。
本说明书实施例提供的一种支付乘车费的方法，包括：
公交系统的收款设备向终端发送基于HCE的路由指令，以使所述终端的操作系统根据所述路由指令包含的客户端的客户端标识，向安装在所述终端上的所述客户端发送所述路由指令；
与响应所述路由指令的所述客户端建立NFC连接；
通过所述NFC连接，接收所述客户端传输的乘车凭证信息；
对所述乘车凭证信息进行验证，若验证通过，则根据所述乘车凭证信息从所述用户的账户中扣除乘车费。
本说明书实施例提供的另一种支付乘车费的方法，支持主机卡模拟HCE的终端上安装有客户端，所述方法包括：
所述终端的操作系统接收公交系统的收款设备发送的基于HCE的路由指令；
基于所述HCE功能，根据所述路由指令中包含的客户端标识，确定所述终端中安装的所述客户端标识对应的客户端；
向确定的所述客户端发送所述路由指令，以使所述客户端根据所述路由指令与所述收款设备建立近场通信NFC连接，并通过所述NFC连接，将用户的乘车凭证信息传输给所述收款设备，以便所述收款设备对接收到的乘车凭证信息验证通过后，根据所述乘车凭证信息从所述用户的账户中扣除乘车费。
本说明书实施例提供的一种支付乘车费的装置，支持主机卡模拟HCE的终端上安装有所述装置，所述装置包括：
第一接收模块，接收所述终端的操作系统发送的基于HCE的路由指令；所述路由指令是公交系统的收款设备向所述终端发送的；
连接模块，响应于所述路由指令，使所述装置与所述收款设备建立近场通信NFC连接；
传输模块，通过所述NFC连接，将用户的乘车凭证信息传输给所述收款设备，以使所述收款设备对接收到的乘车凭证信息验证通过后，根据所述乘车凭证信息从所述用户的账户中扣除乘车费。
本说明书实施例提供的另一种支付乘车费的装置，包括：
第一发送模块，向终端发送基于HCE的路由指令，以使所述终端的操作系统根据所述路由指令包含的客户端的客户端标识，向安装在所述终端上的所述客户端发送所述路由指令；
连接模块，与响应所述路由指令的所述客户端建立NFC连接；
接收模块，通过所述NFC连接，接收所述客户端传输的乘车凭证信息；
验证模块，对所述乘车凭证信息进行验证，若验证通过，则根据所述乘车凭证信息从所述用户的账户中扣除乘车费。
本说明书实施例提供的另一种支付乘车费的装置，支持主机卡模拟HCE的终端上安装有客户端，所述装置包括：
接收模块，接收公交系统的收款设备发送的基于HCE的路由指令；
确定模块，基于所述HCE功能，根据所述路由指令中包含的客户端标识，确定所述终端中安装的所述客户端标识对应的客户端；
发送模块，向确定的所述客户端发送所述路由指令，以使所述客户端根据所述路由指令与所述收款设备建立近场通信NFC连接，并通过所述NFC连接，将用户的乘车凭证信息传输给所述收款设备，以便所述收款设备对接收到的乘车凭证信息验证通过后，根据所述乘车凭证信息从所述用户的账户中扣除乘车费。
本说明书实施例提供的一种终端，该终端支持主机卡模拟HCE，该终端包括一个或多个处理器及存储器，所述存储器存储有程序，并且被配置成由所述一个或多个处理器执行以下步骤：
接收公交系统的收款设备发送的路由指令；
响应于所述路由指令，与所述收款设备建立近场通信NFC连接；
通过所述NFC连接，将用户的乘车凭证信息传输给所述收款设备，以使所述收款设备对接收到的乘车凭证信息验证通过后，根据所述乘车凭证信息从所述用户的账户中扣除乘车费。
本说明书实施例提供的一种收款设备，包括一个或多个处理器及存储器，所述存储器存储有程序，并且被配置成由所述一个或多个处理器执行以下步骤：
向终端发送基于HCE的路由指令，以使所述终端的操作系统根据所述路由指令包含的客户端的客户端标识，向安装在所述终端上的所述客户端发送所述路由指令；
与响应所述路由指令的所述客户端建立NFC连接；
通过所述NFC连接，接收所述客户端传输的乘车凭证信息；
对所述乘车凭证信息进行验证，若验证通过，根据所述乘车凭证信息从所述用户的账户中扣除乘车费。
由以上本说明书实施例提供的技术方案可见，在本说明书实施例中，可以预先在支持HCE的终端上安装客户端，当用户乘车时，可以将终端贴近公交系统的收款设备，所述收款设备可以向所述终端发送基于HCE的路由指令，所述终端的操作系统根据所述路由指令包含的所述客户端的客户端标识，将所述路由指令发送给所述客户端，所述客户端响应于所述路由指令，与所述收款设备建立NFC连接。然后，所述客户端可以通过所述NFC连接将乘车凭证信息传输给收款设备，收款设备对接收到的乘车凭证信息验证通过后，可以根据所述乘车凭证信息从所述用户的账户中扣除乘车费。通过本说明书实施例，用户不必进行较为繁琐的操作，以配合收款设备扫描二维码，仅需将终端靠近收款设备即可，终端上安装的客户端可以通过与收款设备建立的NFC连接，将乘车凭证信息传输给收款设备，进行乘车费的支付。这对用户而言更加便捷。
附图说明
为了更清楚地说明本说明书实施例或现有技术中的技术方案，下面将对实施例或现有技术描述中所需要使用的附图作简单地介绍，显而易见地，下面描述中的附图仅仅是本说明书中记载的一些实施例，对于本领域普通技术人员来讲，在不付出创造性劳动的前提下，还可以根据这些附图获得其他的附图。
图1是本说明书实施例提供的一种支付乘车费的方法流程图；
图2是本说明书实施例提供的一种支付乘车费的装置示意图；
图3是本说明书实施例提供的另一种支付乘车费的装置示意图；
图4是本说明书实施例提供的另一种支付乘车费的装置示意图；
图5是本说明书实施例提供的一种终端示意图；
图6是本说明书实施例提供的一种收款设备示意图。
具体实施方式
目前，公交系统的收款设备通过扫描用户出示的二维码，可获得用户的乘车凭证信息，所述乘车凭证信息包含用户的账户标识，可用于进行乘车费的支付。但是，这种方法需要用户执行较为繁琐的操作，即解锁终端屏幕，打开指定应用，在指定应用的界面中触发显示包含乘车凭证信息的二维码，将二维码展示给收款设备进行扫描。尤其是，当乘车环境中光照较暗时，收款设备扫描二维码的成功率并不高，需要用户多次尝试。显然，现有的支付乘车费的方法给用户造成诸多不便。
而本发明所要求保护的技术方案的目的在于，使用户无需向收款设备出示二维码，就可以将乘车凭证信息传输给收款设备，进行乘车费的支付。如此，用户也就不必执行上述的较为繁琐的操作。
具体地，可以使用HCE技术，在无需安全模块(Secure Element，SE)参与的前提下，实现终端的卡模拟。当终端处于HCE模式时，终端上安装的客户端可以通过所述终端，与收款设备建立NFC连接，向收款设备传输用户的乘车凭证信息，进行乘车费的支付。
为了使本技术领域的人员更好地理解本说明书中的技术方案，下面将结合本说明书一个或多个实施例中的附图，对本说明书实施例中的技术方案进行清楚、完整地描述，显然，所描述的实施例仅仅是本说明书一部分实施例，而不是全部的实施例。通过本说明书实施例，本领域普通技术人员在没有作出创造性劳动前提下所获得的所有其他实施例，都应当属于本说明书保护的范围。
以下结合附图，详细说明本说明书各实施例提供的技术方案。
图1是本说明书实施例提供的支付乘车费的方法流程图，包括以下步骤：
S100：公交系统的收款设备向终端发送基于HCE的路由指令。
在本说明书实施例中，所述公交系统可以是公共汽车公司、地铁公司等公共交通机构的管理系统，所述公交系统的收款设备可以是地铁闸机、公共汽车上的刷卡器等。所述终端可以是用户的手机、平板电脑、笔记本电脑等能够应用于移动支付场景的智能设备。
在本说明书实施例中，所述收款设备和所述终端都内置有NFC芯片。并且，所述终端应当支持HCE，具体地，所述终端可以安装支持HCE的安卓系统(如安卓4.4以上版本)或其他支持HCE的系统。
需要说明的是，用户需要预先将终端所处的模式设置为HCE模式，以激活所述终端的HCE功能。此外，用户还需要预先在自己的终端上安装基于HCE开发的指定应用的客户端。其中，所述指定应用可以是基于HCE开发的具有乘车费支付功能的应用。
所述客户端可以预先在所述终端的操作系统的中注册客户端标识。所述客户端的管理方可以预先向公交系统提供所述客户端标识，并约定公交系统的收款设备当检测到处于HCE模式的终端靠近时，向终端请求与所述客户端标识对应的客户端建立NFC连接。
如此，用户在乘车时，可以将终端贴近收款设备，当所述收款设备与所述终端的距离不大于NFC感应距离(通常为10cm)时，所述收款设备会检测到处于HCE模式的所述终端，所述收款设备会向所述终端发送基于HCE的路由指令。其中，所述路由指令包含所述客户端的客户端标识。
S102：所述终端的操作系统基于所述HCE功能，根据所述路由指令中包含的客户端标识，确定所述终端中安装的所述客户端标识对应的客户端。
S104：所述终端的操作系统向确定的所述客户端发送所述路由指令。
所述终端的操作系统接收到所述收款设备发送的所述路由指令之后，会判断注册的各客户端标识中是否存在所述路由指令包含的客户端标识，若存在，则向所述路由指令包含的客户端标识对应的客户端转发所述路由指令，若不存在，则向所述收款设备返回失败结果。
S106：响应于所述路由指令，所述客户端与所述收款设备建立NFC连接。
需要说明的是，NFC连接的建立并不依赖于互联网或局域网，因此，当所述终端和所述收款设备均离线时，所述客户端与所述收款设备依然可以建立NFC连接。
S108：所述客户端通过所述NFC连接，将用户的乘车凭证信息传输给所述收款设备。
S110：所述收款设备对所述乘车凭证信息进行验证，若验证通过，则根据所述乘车凭证信息从所述用户的账户中扣除乘车费。
在本说明书实施例中，所述乘车凭证信息是用户乘车时，提供给收款设备进行验证并用于结算乘车费的信息。收款设备对所述乘车凭证信息进行验证通过后，通常会根据 所述乘车凭证信息从所述用户的账户中扣除乘车费。具体地，收款设备可以将通过验证的乘车凭证信息中包含的用户的账户标识发送给所述客户端对应的服务器，以使所述服务器从所述账户标识对应的账户中扣除乘车费，将扣除的乘车费支付给公交系统。值得强调的是，所述收款设备可以在处于离线状态的前提下，对接收到的乘车凭证信息进行验证。待所述收款设备连接到网络时，向所述服务器请求从用户的账户中扣除乘车费。
在现有技术中，通常将所述乘车凭证信息转换成二维码，收款设备扫描所述二维码即可获得所述乘车凭证信息。而在本说明书实施例中，无需用户使用终端上客户端出示二维码供收款设备进行扫描，而是由所述客户端直接将乘车凭证信息通过建立的NFC连接传输给收款设备。
需要说明的是，用户的乘车凭证信息通常包含用户的账户标识和其他相关信息(如认可所述乘车凭证信息的效力的公交系统的编号、乘车凭证信息的有效期、用户的身份信息等)，所述乘车凭证信息需要经过用户私钥签名，还需要经过预先与所述客户端的管理方达成约定的公交系统的私钥签名。收款设备接收到用户的乘车凭证信息后，主要是对用户和所述公交系统的签名进行验证，若验证通过，则意味着所述乘车凭证信息的效力已经得到了用户和所述公交系统的承认。
还需要说明的是，生成用户的乘车凭证信息所需的用户私钥一般具有有效期，所述客户端根据用户的凭证相关数据生成乘车凭证信息时，若确定保存的用户的私钥已失效，则可以从所述服务器获取有效的用户的私钥后，生成所述乘车凭证信息。
在图1所示的支付乘车费的方法中，可以预先在支持HCE的终端上安装客户端，当用户乘车时，可以将终端贴近公交系统的收款设备，所述收款设备可以向所述终端发送基于HCE的路由指令，所述终端的操作系统根据所述路由指令包含的所述客户端的客户端标识，将所述路由指令发送给所述客户端，所述客户端响应于所述路由指令，与所述收款设备建立近场通信NFC连接。然后，所述客户端可以通过所述NFC连接将乘车凭证信息传输给收款设备，收款设备对接收到的乘车凭证信息验证通过后，可以根据所述乘车凭证信息从所述用户的账户中扣除乘车费。
通过图1所示的方法，用户不必进行如下较为繁琐的操作，即解锁终端屏幕，打开指定应用，在指定应用的界面中触发显示包含乘车凭证信息的二维码，将二维码展示给收款设备进行扫描。用户仅需将终端靠近收款设备即可，终端上安装的客户端可以通过与收款设备建立的NFC连接，将乘车凭证信息传输给收款设备，进行乘车费的支付。这对用户而言更加便捷。
并且，通过本说明书实施例，可以排除光照条件的影响，不论光照条件如何，终端都可以成功将乘车凭证信息传输给收款设备进行验证，不会出现现有技术存在的扫码成功率不高的问题。
此外，在本说明书实施例中，所述客户端可以采用如下几种方式获取用户的乘车凭证信息，并当用户将终端贴近收款设备时，通过建立的NFC连接将获取的乘车凭证信息传输给收款设备。
1、所述客户端从所述客户端对应的服务器中获取用户的乘车凭证信息。这种情况下，要求终端处于在线状态，以使所述客户端与所述服务器进行数据交互。乘车凭证信息实际上是由服务器根据用户的凭证相关数据生成的。其中，用户的凭证相关数据是用于生成乘车凭证信息的数据，其具体可以包括用户的账户标识、前文所述的其他相关信息(如认可所述乘车凭证信息的效力的公交系统的编号、乘车凭证信息的有效期、用户的身份信息等)、用户私钥、所述公交系统的私钥等。根据凭证相关数据生成乘车凭证信息，实际上就是使用用户私钥和所述公交系统的私钥对用户的账户标识和所述其他相关信息进行签名，签名后得到的字符串即是所述乘车凭证信息。
2、所述客户端从所述客户端对应的服务器中获取用户的凭证相关数据，并根据所述凭证相关数据生成所述用户的乘车凭证信息。这种情况下，也要求终端处于在线状态。
3、所述客户端从本地获取预先存储的用户的凭证相关数据，并根据所述凭证相关数据生成用户的乘车凭证信息。这种情况下，用户的凭证相关数据是由客户端预先存入本地的。当客户端需要生成乘车凭证信息时，终端可以是离线状态。
需要说明的是，上述3种获取乘车凭证信息的方式可以分别具有不同的优先级。例如，客户端可以优先尝试从本地获取用户的凭证相关数据，若获取失败，则可以通过另外两种方式获取乘车凭证信息。
另外，由于各地的公交系统相互独立，所述客户端的管理方有可能与多个不同的公交系统进行合作，取得多个公交系统的授权，因此，针对每个公交系统，客户端需要向该公交系统的收款设备传输仅适用于乘坐该公交系统的公共交通工具的乘车凭证信息。
为此，在本说明书实施例中，所述收款设备可以通过建立的NFC连接，向所述客户端发送自身保存的公交系统标识，所述客户端可以通过所述NFC连接，将用户的对应于所述公交系统标识的乘车凭证信息传输给所述收款设备。具体地，所述客户端可以获取用户的对应于所述公交系统标识的凭证相关数据，然后根据获取的凭证相关数据生成 乘车凭证信息。
此外，为了避免用户的乘车凭证信息在传输给收款设备的过程中被不法分子截获，造成敏感信息(如用户的隐私)的泄露，客户端可以根据与公交系统预先约定的加密算法，对所述乘车凭证信息进行加密，得到加密信息，然后将所述加密信息传输给所述收款设备，所述收款设备接收到所述加密信息后，可以根据所述加密算法对应的解密算法对所述加密信息进行解密，得到所述乘车凭证信息，进行验证。
另外，众所周知，对数据进行分包传输，可以提升数据的传输速率。在本说明书实施例中，为了使收款设备尽快接收到所述客户端传输的乘车凭证信息，可以对所述乘车凭证信息进行分包传输。
具体而言，收款设备可以通过所述NFC连接，先向所述客户端发送数据偏移量，所述客户端根据接收到的数据偏移量，将所述乘车凭证信息拆分为若干数据包，然后将各数据包传输给所述收款设备。所述收款设备接收到各数据包之后，再根据所述数据偏移量，将接收到的各数据包组装成所述乘车凭证信息。
其中，客户端接收到的所述数据偏移量通常为首个自然数是0的自然数序列(可称偏移量序列)。根据所述偏移量序列对乘车凭证信息进行拆分得到的各数据包也是有序排列的，排序相同的自然数与数据包具有对应关系。
更具体而言，客户端根据接收到的数据偏移量，将所述乘车凭证信息拆分为若干数据包的方式可以是，客户端可以按照所述偏移量序列中各自然数的排序，依次针对所述偏移量序列中的每个自然数，执行以下步骤：
针对自然数N，将乘车凭证信息中第N+1个单位到第M个单位的数据封装为一个数据包，其中，M为所述偏移量序列中排在自然数N之后的下一个自然数，所述单位包括但不限于位、字符、字节，以及其他用于表征数据量的单位。若自然数N为所述偏移量序列中的最后一个自然数，则将乘车凭证信息中第N+1个单位到最后一个单位的数据封装为一个数据包。
收款设备根据数据偏移量，将若干数据包组装成乘车凭证信息的方式可以是，收款设备可以按照所述偏移量序列中各自然数的排列顺序，将各自然数分别对应的数据包依次进行拼接，得到所述乘车凭证信息。
举例说明，所述偏移量序列为“0、3、6”，所述乘车凭证信息为“20180714”，则客户端可以根据所述偏移量序列，针对第一个自然数0，将所述乘车凭证信息的第1顺 位的字符“2”到第3顺位的字符“1”封装为数据包“201”；针对第二个自然数3，将所述乘车凭证信息的第4顺位的字符“8”到第6顺位的字符“7”封装为数据包“807”；针对第三个自然数6，将所述乘车凭证信息的第7顺位的字符“1”到之后的所有字符封装为数据包“14”。收款设备接收到各数据包后，可以根据所述偏移量序列中各自然数的排列顺序，将自然数0对应的数据包“201”、自然数3对应的数据包“807”、自然数6对应的数据包“14”依次进行拼接，得到所述乘车凭证信息“20180714”。
进一步地，所述客户端将要传输的乘车凭证信息拆分为若干数据包后，可根据与所述公交系统预先约定的加密算法，分别对各数据包分别进行加密，得到各数据包分别对应的加密数据包，然后通过NFC连接将各加密数据包传输给收款设备。收款设备接收到各加密数据包后，可以根据对应于所述加密算法的解密算法，对各加密数据包进行解密，得到各数据包，然后根据数据偏移量将各数据包组装成乘车凭证信息，进行验证。
另外，在本说明书实施例中，收款设备还可以通过所述NFC连接，将所述乘车凭证信息的验证结果发送给所述客户端，所述客户端可以显示接收到的所述验证结果，以提示用户。
基于图1所示的支付乘车费的方法，本说明书实施例还对应提供了一种支付乘车费的装置，如图2所示，支持主机卡模拟HCE的终端上安装有所述装置，所述装置包括：
第一接收模块201，接收所述终端的操作系统发送的基于HCE的路由指令；所述路由指令是公交系统的收款设备向所述终端发送的；
连接模块202，响应于所述路由指令，使所述装置与所述收款设备建立近场通信NFC连接；
传输模块203，通过所述NFC连接，将用户的乘车凭证信息传输给所述收款设备，以使所述收款设备对接收到的乘车凭证信息验证通过后，根据所述乘车凭证信息从所述用户的账户中扣除乘车费。
所述装置还包括：获取模块204，在所述传输模块203将用户的乘车凭证信息传输给所述收款设备之前，从所述装置对应的服务器中获取用户的乘车凭证信息；或从所述装置对应的服务器中获取用户的凭证相关数据，并根据所述凭证相关数据生成所述用户的乘车凭证信息；或所从本地获取预先存储的用户的凭证相关数据，并根据所述凭证相关数据生成用户的乘车凭证信息。
所述装置还包括：第二接收模块205，在所述传输模块203将用户的乘车凭证信息 传输给所述收款设备之前，通过所述NFC连接，接收所述收款设备发送的公交系统标识；
所述传输模块203，将用户的对应于所述公交系统标识的乘车凭证信息传输给所述收款设备。
所述传输模块203，根据与公交系统预先约定的加密算法，对所述乘车凭证信息进行加密，得到加密信息；将所述加密信息传输给所述收款设备，以使所述收款设备根据所述加密算法对应的解密算法对所述加密信息进行解密，得到所述乘车凭证信息。
所述装置还包括：第三接收模块206，在所述传输模块203将用户的乘车凭证信息传输给所述收款设备之前，通过所述NFC连接，接收所述收款设备发送的数据偏移量；
所述传输模块，根据所述数据偏移量，将所述乘车凭证信息拆分为若干数据包；将各数据包传输给所述收款设备，以使所述收款设备根据所述数据偏移量，将接收到的各数据包组装成所述乘车凭证信息。
所述装置还包括：显示模块207，通过NFC连接，接收所述收款设备发送的所述乘车凭证信息的验证结果，并显示所述验证结果。
基于图1所示的支付乘车费的方法，本说明书实施例还对应提供了另一种支付乘车费的装置，如图3所示包括：
第一发送模块301，向终端发送基于HCE的路由指令，以使所述终端的操作系统根据所述路由指令包含的客户端的客户端标识，向安装在所述终端上的所述客户端发送所述路由指令；
连接模块302，与响应所述路由指令的所述客户端建立NFC连接；
接收模块303，通过所述NFC连接，接收所述客户端传输的乘车凭证信息；
验证模块304，对所述乘车凭证信息进行验证，若验证通过，则根据所述乘车凭证信息从所述用户的账户中扣除乘车费。
所述装置还包括：第二发送模块305，在所述接收模块302接收所述客户端传输的乘车凭证信息之前，通过所述NFC连接，向所述客户端发送自身保存的公交系统标识，以使所述客户端向所述收款设备传输对应于所述公交系统标识的乘车凭证信息。
所述接收模块302，接收所述客户端传输的加密信息，所述加密信息是所述客户 端根据与所述装置预先约定的加密算法，对用户的乘车凭证信息进行加密得到的；根据对应于所述加密算法的解密算法，对所述加密信息进行解密，得到所述乘车凭证信息。
所述装置还包括：第三发送模块306，在所述接收模块接收所述客户端传输的乘车凭证信息之前，通过所述NFC连接，向所述客户端发送数据偏移量；
所述接收模块，接收所述客户端传输的若干数据包；所述若干数据包是所述客户端根据所述数据偏移量对用户的乘车凭证信息进行拆分得到的；根据所述数据偏移量，将接收到的各数据包组装成所述乘车凭证信息。
所述装置还包括：第四发送模块307，通过所述NFC连接，将所述乘车凭证信息的验证结果发送给所述客户端，以使所述客户端显示所述验证结果。
基于图1所示的支付乘车费的方法，本说明书实施例还对应提供了另一种支付乘车费的装置，如图4所示，支持主机卡模拟HCE的终端上安装有客户端，所述装置包括：
接收模块401，接收公交系统的收款设备发送的基于HCE的路由指令；
确定模块402，基于所述HCE功能，根据所述路由指令中包含的客户端标识，确定所述终端中安装的所述客户端标识对应的客户端；
发送模块403，向确定的所述客户端发送所述路由指令，以使所述客户端根据所述路由指令与所述收款设备建立近场通信NFC连接，并通过所述NFC连接，将用户的乘车凭证信息传输给所述收款设备，以便所述收款设备对接收到的乘车凭证信息验证通过后，根据所述乘车凭证信息从所述用户的账户中扣除乘车费。
基于图1所示的支付乘车费的方法，本说明书实施例还对应提供了一种终端，如图5所示，该终端支持HCE，该终端包括一个或多个处理器及存储器，所述存储器存储有程序，并且被配置成由所述一个或多个处理器执行以下步骤：
接收公交系统的收款设备发送的路由指令；
响应于所述路由指令，与所述收款设备建立近场通信NFC连接；
通过所述NFC连接，将用户的乘车凭证信息传输给所述收款设备，以使所述收款设备对接收到的乘车凭证信息验证通过后，根据所述乘车凭证信息从所述用户的账户中扣除乘车费。
基于图1所示的支付乘车费的方法，本说明书实施例还对应提供了一种收款设 备，如图6所示，该设备包括一个或多个处理器及存储器，所述存储器存储有程序，并且被配置成由所述一个或多个处理器执行以下步骤：
向终端发送基于HCE的路由指令，以使所述终端的操作系统根据所述路由指令包含的客户端的客户端标识，向安装在所述终端上的所述客户端发送所述路由指令；
与响应所述路由指令的所述客户端建立NFC连接；
通过所述NFC连接，接收所述客户端传输的乘车凭证信息；
对所述乘车凭证信息进行验证，若验证通过，根据所述乘车凭证信息从所述用户的账户中扣除乘车费。
本说明书中的各个实施例均采用递进的方式描述，各个实施例之间相同相似的部分互相参见即可，每个实施例重点说明的都是与其他实施例的不同之处。尤其，对于图5和图6所示的设备而言，由于其基本相似于装置实施例，所以描述的比较简单，相关之处参见装置实施例的部分说明即可。
在20世纪90年代，对于一个技术的改进可以很明显地区分是硬件上的改进(例如，对二极管、晶体管、开关等电路结构的改进)还是软件上的改进(对于装置流程的改进)。然而，随着技术的发展，当今的很多装置流程的改进已经可以视为硬件电路结构的直接改进。设计人员几乎都通过将改进的装置流程编程到硬件电路中来得到相应的硬件电路结构。因此，不能说一个装置流程的改进就不能用硬件实体模块来实现。例如，可编程逻辑器件(Programmable Logic Device,PLD)(例如现场可编程门阵列(Field Programmable Gate Array，FPGA))就是这样一种集成电路，其逻辑功能由用户对器件编程来确定。由设计人员自行编程来把一个数字符系统“集成”在一片PLD上，而不需要请芯片制造厂商来设计和制作专用的集成电路芯片。而且，如今，取代手工地制作集成电路芯片，这种编程也多半改用“逻辑编译器(logic compiler)”软件来实现，它与程序开发撰写时所用的软件编译器相类似，而要编译之前的原始代码也得用特定的编程语言来撰写，此称之为硬件描述语言(Hardware Description Language，HDL)，而HDL也并非仅有一种，而是有许多种，如ABEL(Advanced Boolean Expression Language)、AHDL(Altera Hardware Description Language)、Confluence、CUPL(Cornell University Programming Language)、HDCal、JHDL(Java Hardware Description Language)、Lava、Lola、MyHDL、PALASM、RHDL(Ruby Hardware Description Language)等，目前最普遍使用的是VHDL(Very-High-Speed Integrated Circuit Hardware Description Language) 与Verilog。本领域技术人员也应该清楚，只需要将装置流程用上述几种硬件描述语言稍作逻辑编程并编程到集成电路中，就可以很容易得到实现该逻辑装置流程的硬件电路。
控制器可以按任何适当的方式实现，例如，控制器可以采取例如微处理器或处理器以及存储可由该(微)处理器执行的计算机可读程序代码(例如软件或固件)的计算机可读存储介质、逻辑门、开关、专用集成电路(Application Specific Integrated Circuit，ASIC)、可编程逻辑控制器和嵌入微控制器的形式，控制器的例子包括但不限于以下微控制器：ARC 625D、Atmel AT91SAM、Microchip PIC18F26K20以及Silicone Labs C8051F320，存储器控制器还可以被实现为存储器的控制逻辑的一部分。本领域技术人员也知道，除了以纯计算机可读程序代码方式实现控制器以外，完全可以通过将装置步骤进行逻辑编程来使得控制器以逻辑门、开关、专用集成电路、可编程逻辑控制器和嵌入微控制器等的形式来实现相同功能。因此这种控制器可以被认为是一种硬件部件，而对其内包括的用于实现各种功能的装置也可以视为硬件部件内的结构。或者甚至，可以将用于实现各种功能的装置视为既可以是实现装置的软件模块又可以是硬件部件内的结构。
上述实施例阐明的系统、装置、模块或单元，具体可以由计算机芯片或实体实现，或者由具有某种功能的产品来实现。一种典型的实现设备为计算机。具体的，计算机例如可以为个人计算机、膝上型计算机、蜂窝电话、相机电话、智能电话、个人数字符助理、媒体播放器、导航设备、电子邮件设备、游戏控制台、平板计算机、可穿戴设备或者这些设备中的任何设备的组合。
为了描述的方便，描述以上装置时以功能分为各种单元分别描述。当然，在实施本说明书时可以把各单元的功能在同一个或多个软件和/或硬件中实现。
本领域内的技术人员应明白，本发明的实施例可提供为装置、系统、或计算机程序产品。因此，本发明可采用完全硬件实施例、完全软件实施例、或结合软件和硬件方面的实施例的形式。而且，本发明可采用在一个或多个其中包含有计算机可用程序代码的计算机可用存储介质(包括但不限于磁盘存储器、CD-ROM、光学存储器等)上实施的计算机程序产品的形式。
本发明是参照根据本发明实施例的装置、设备(系统)、和计算机程序产品的流程图和/或方框图来描述的。应理解可由计算机程序指令实现流程图和/或方框图中的每一流程和/或方框、以及流程图和/或方框图中的流程和/或方框的结合。可提供 这些计算机程序指令到通用计算机、专用计算机、嵌入式处理机或其他可编程数据处理设备的处理器以产生一个机器，使得通过计算机或其他可编程数据处理设备的处理器执行的指令产生用于实现在流程图一个流程或多个流程和/或方框图一个方框或多个方框中指定的功能的装置。
这些计算机程序指令也可存储在能引导计算机或其他可编程数据处理设备以特定方式工作的计算机可读存储器中，使得存储在该计算机可读存储器中的指令产生包括指令装置的制造品，该指令装置实现在流程图一个流程或多个流程和/或方框图一个方框或多个方框中指定的功能。
这些计算机程序指令也可装载到计算机或其他可编程数据处理设备上，使得在计算机或其他可编程设备上执行一系列操作步骤以产生计算机实现的处理，从而在计算机或其他可编程设备上执行的指令提供用于实现在流程图一个流程或多个流程和/或方框图一个方框或多个方框中指定的功能的步骤。
在一个典型的配置中，计算设备包括一个或多个处理器(CPU)、输入/输出接口、网络接口和计算机可读存储介质。
计算机可读存储介质包括永久性和非永久性、可移动和非可移动媒体可以由任何方法或技术来实现信息存储。信息可以是计算机可读指令、数据结构、程序的模块或其他数据。计算机可读存储介质的例子包括，但不限于相变内存(PRAM)、静态随机存取存储器(SRAM)、动态随机存取存储器(DRAM)、其他类型的随机存取存储器(RAM)、只读存储器(ROM)、电可擦除可编程只读存储器(EEPROM)、快闪记忆体或其他内存技术、只读光盘只读存储器(CD-ROM)、数字多功能光盘(DVD)或其他光学存储、磁盒式磁带，磁带磁磁盘存储或其他磁性存储设备或任何其他非传输介质，可用于存储可以被计算设备访问的信息。按照本文中的界定，计算机可读存储介质不包括暂存电脑可读媒体(transitory media)，如调制的数据信号和载波。
还需要说明的是，术语“包括”、“包含”或者其任何其他变体意在涵盖非排他性的包含，从而使得包括一系列要素的过程、装置、商品或者设备不仅包括那些要素，而且还包括没有明确列出的其他要素，或者是还包括为这种过程、装置、商品或者设备所固有的要素。在没有更多限制的情况下，由语句“包括一个……”限定的要素，并不排除在包括所述要素的过程、装置、商品或者设备中还存在另外的相同要素。
本说明书可以在由计算机执行的计算机可执行指令的一般上下文中描述，例如 程序模块。一般地，程序模块包括执行特定任务或实现特定抽象数据类型的例程、程序、对象、组件、数据结构等等。也可以在分布式计算环境中实践本说明书，在这些分布式计算环境中，由通过通信网络而被连接的远程处理设备来执行任务。在分布式计算环境中，程序模块可以位于包括存储设备在内的本地和远程计算机存储介质中。

Claims (26)

  1. 一种支付乘车费的方法，支持主机卡模拟HCE的终端上安装有客户端，所述方法包括：
    所述客户端接收所述终端的操作系统发送的基于HCE的路由指令；所述路由指令是公交系统的收款设备向所述终端发送的；
    响应于所述路由指令，所述客户端与所述收款设备建立近场通信NFC连接；
    通过所述NFC连接，将用户的乘车凭证信息传输给所述收款设备，以使所述收款设备对接收到的乘车凭证信息验证通过后，根据所述乘车凭证信息从所述用户的账户中扣除乘车费。
  2. 如权利要求1所述的方法，将用户的乘车凭证信息传输给所述收款设备之前，所述方法还包括：
    所述客户端从所述客户端对应的服务器中获取用户的乘车凭证信息；或
    所述客户端从所述客户端对应的服务器中获取用户的凭证相关数据，并根据所述凭证相关数据生成所述用户的乘车凭证信息；或
    所述客户端从本地获取预先存储的用户的凭证相关数据，并根据所述凭证相关数据生成用户的乘车凭证信息。
  3. 如权利要求1所述的方法，在将用户的乘车凭证信息传输给所述收款设备之前，所述方法还包括：
    通过所述NFC连接，接收所述收款设备发送的公交系统标识；
    将用户的乘车凭证信息传输给所述收款设备，具体包括：
    将用户的对应于所述公交系统标识的乘车凭证信息传输给所述收款设备。
  4. 如权利要求1所述的方法，将所述乘车凭证信息传输给所述收款设备，具体包括：
    根据与公交系统预先约定的加密算法，对所述乘车凭证信息进行加密，得到加密信息；
    将所述加密信息传输给所述收款设备，以使所述收款设备根据所述加密算法对应的解密算法对所述加密信息进行解密，得到所述乘车凭证信息。
  5. 如权利要求1所述的方法，在将用户的乘车凭证信息传输给所述收款设备之前，所述方法还包括：
    通过所述NFC连接，接收所述收款设备发送的数据偏移量；
    将所述乘车凭证信息传输给所述收款设备，具体包括：
    根据所述数据偏移量，将所述乘车凭证信息拆分为若干数据包；
    将各数据包传输给所述收款设备，以使所述收款设备根据所述数据偏移量，将接收到的各数据包组装成所述乘车凭证信息。
  6. 如权利要求1所述的方法，所述方法还包括：
    通过NFC连接，接收所述收款设备发送的所述乘车凭证信息的验证结果，并显示所述验证结果。
  7. 一种支付乘车费的方法，包括：
    公交系统的收款设备向终端发送基于HCE的路由指令，以使所述终端的操作系统根据所述路由指令包含的客户端的客户端标识，向安装在所述终端上的所述客户端发送所述路由指令；
    与响应所述路由指令的所述客户端建立NFC连接；
    通过所述NFC连接，接收所述客户端传输的乘车凭证信息；
    对所述乘车凭证信息进行验证，若验证通过，则根据所述乘车凭证信息从所述用户的账户中扣除乘车费。
  8. 如权利要求7所述的方法，在接收所述客户端传输的乘车凭证信息之前，所述方法还包括：
    通过所述NFC连接，向所述客户端发送自身保存的公交系统标识，以使所述客户端向所述收款设备传输对应于所述公交系统标识的乘车凭证信息。
  9. 如权利要求7所述的方法，接收所述客户端传输的乘车凭证信息，具体包括：
    接收所述客户端传输的加密信息，所述加密信息是所述客户端根据与所述公交系统预先约定的加密算法，对用户的乘车凭证信息进行加密得到的；
    根据对应于所述加密算法的解密算法，对所述加密信息进行解密，得到所述乘车凭证信息。
  10. 如权利要求7所述的方法，在接收所述客户端传输的乘车凭证信息之前，所述方法还包括：
    通过所述NFC连接，向所述客户端发送数据偏移量；
    接收所述支付应用传输的乘车凭证信息，具体包括：
    接收所述客户端传输的若干数据包；所述若干数据包是所述客户端根据所述数据偏移量对用户的乘车凭证信息进行拆分得到的；
    根据所述数据偏移量，将接收到的各数据包组装成所述乘车凭证信息。
  11. 如权利要求7所述的方法，所述方法还包括：
    通过所述NFC连接，将所述乘车凭证信息的验证结果发送给所述客户端，以使所述客户端显示所述验证结果。
  12. 一种支付乘车费的方法，支持主机卡模拟HCE的终端上安装有客户端，所述方法包括：
    所述终端的操作系统接收公交系统的收款设备发送的基于HCE的路由指令；
    基于所述HCE功能，根据所述路由指令中包含的客户端标识，确定所述终端中安装的所述客户端标识对应的客户端；
    向确定的所述客户端发送所述路由指令，以使所述客户端根据所述路由指令与所述收款设备建立近场通信NFC连接，并通过所述NFC连接，将用户的乘车凭证信息传输给所述收款设备，以便所述收款设备对接收到的乘车凭证信息验证通过后，根据所述乘车凭证信息从所述用户的账户中扣除乘车费。
  13. 一种支付乘车费的装置，支持主机卡模拟HCE的终端上安装有所述装置，所述装置包括：
    第一接收模块，接收所述终端的操作系统发送的基于HCE的路由指令；所述路由指令是公交系统的收款设备向所述终端发送的；
    连接模块，响应于所述路由指令，使所述装置与所述收款设备建立近场通信NFC连接；
    传输模块，通过所述NFC连接，将用户的乘车凭证信息传输给所述收款设备，以使所述收款设备对接收到的乘车凭证信息验证通过后，根据所述乘车凭证信息从所述用户的账户中扣除乘车费。
  14. 如权利要求13所述的装置，所述装置还包括：获取模块，在所述传输模块将用户的乘车凭证信息传输给所述收款设备之前，从所述装置对应的服务器中获取用户的乘车凭证信息；或从所述装置对应的服务器中获取用户的凭证相关数据，并根据所述凭证相关数据生成所述用户的乘车凭证信息；或所从本地获取预先存储的用户的凭证相关数据，并根据所述凭证相关数据生成用户的乘车凭证信息。
  15. 如权利要求13所述的装置，所述装置还包括：第二接收模块，在所述传输模块将用户的乘车凭证信息传输给所述收款设备之前，通过所述NFC连接，接收所述收款设备发送的公交系统标识；
    所述传输模块，将用户的对应于所述公交系统标识的乘车凭证信息传输给所述收款设备。
  16. 如权利要求13所述的装置，所述传输模块，根据与公交系统预先约定的加密 算法，对所述乘车凭证信息进行加密，得到加密信息；将所述加密信息传输给所述收款设备，以使所述收款设备根据所述加密算法对应的解密算法对所述加密信息进行解密，得到所述乘车凭证信息。
  17. 如权利要求13所述的装置，所述装置还包括：第三接收模块，在所述传输模块将用户的乘车凭证信息传输给所述收款设备之前，通过所述NFC连接，接收所述收款设备发送的数据偏移量；
    所述传输模块，根据所述数据偏移量，将所述乘车凭证信息拆分为若干数据包；将各数据包传输给所述收款设备，以使所述收款设备根据所述数据偏移量，将接收到的各数据包组装成所述乘车凭证信息。
  18. 如权利要求13所述的装置，所述装置还包括：显示模块，通过NFC连接，接收所述收款设备发送的所述乘车凭证信息的验证结果，并显示所述验证结果。
  19. 一种支付乘车费的装置，包括：
    第一发送模块，向终端发送基于HCE的路由指令，以使所述终端的操作系统根据所述路由指令包含的客户端的客户端标识，向安装在所述终端上的所述客户端发送所述路由指令；
    连接模块，与响应所述路由指令的所述客户端建立NFC连接；
    接收模块，通过所述NFC连接，接收所述客户端传输的乘车凭证信息；
    验证模块，对所述乘车凭证信息进行验证，若验证通过，则根据所述乘车凭证信息从所述用户的账户中扣除乘车费。
  20. 如权利要求19所述的装置，所述装置还包括：第二发送模块，在所述接收模块，接收所述客户端传输的乘车凭证信息之前，通过所述NFC连接，向所述客户端发送自身保存的公交系统标识，以使所述客户端向所述收款设备传输对应于所述公交系统标识的乘车凭证信息。
  21. 如权利要求19所述的装置，所述接收模块，接收所述客户端传输的加密信息，所述加密信息是所述客户端根据与所述装置预先约定的加密算法，对用户的乘车凭证信息进行加密得到的；根据对应于所述加密算法的解密算法，对所述加密信息进行解密，得到所述乘车凭证信息。
  22. 如权利要求19所述的装置，所述装置还包括：第三发送模块，在所述接收模块接收所述客户端传输的乘车凭证信息之前，通过所述NFC连接，向所述客户端发送数据偏移量；
    所述接收模块，接收所述客户端传输的若干数据包；所述若干数据包是所述客户端 根据所述数据偏移量对用户的乘车凭证信息进行拆分得到的；根据所述数据偏移量，将接收到的各数据包组装成所述乘车凭证信息。
  23. 如权利要求19所述的装置，所述装置还包括：第四发送模块，通过所述NFC连接，将所述乘车凭证信息的验证结果发送给所述客户端，以使所述客户端显示所述验证结果。
  24. 一种支付乘车费的装置，支持主机卡模拟HCE的终端上安装有客户端，所述装置包括：
    接收模块，接收公交系统的收款设备发送的基于HCE的路由指令；
    确定模块，基于所述HCE功能，根据所述路由指令中包含的客户端标识，确定所述终端中安装的所述客户端标识对应的客户端；
    发送模块，向确定的所述客户端发送所述路由指令，以使所述客户端根据所述路由指令与所述收款设备建立近场通信NFC连接，并通过所述NFC连接，将用户的乘车凭证信息传输给所述收款设备，以便所述收款设备对接收到的乘车凭证信息验证通过后，根据所述乘车凭证信息从所述用户的账户中扣除乘车费。
  25. 一种终端，该终端支持主机卡模拟HCE，该终端包括一个或多个处理器及存储器，所述存储器存储有程序，并且被配置成由所述一个或多个处理器执行以下步骤：
    接收公交系统的收款设备发送的路由指令；
    响应于所述路由指令，与所述收款设备建立近场通信NFC连接；
    通过所述NFC连接，将用户的乘车凭证信息传输给所述收款设备，以使所述收款设备对接收到的乘车凭证信息验证通过后，根据所述乘车凭证信息从所述用户的账户中扣除乘车费。
  26. 一种收款设备，包括一个或多个处理器及存储器，所述存储器存储有程序，并且被配置成由所述一个或多个处理器执行以下步骤：
    向终端发送基于HCE的路由指令，以使所述终端的操作系统根据所述路由指令包含的客户端的客户端标识，向安装在所述终端上的所述客户端发送所述路由指令；
    与响应所述路由指令的所述客户端建立NFC连接；
    通过所述NFC连接，接收所述客户端传输的乘车凭证信息；
    对所述乘车凭证信息进行验证，若验证通过，根据所述乘车凭证信息从所述用户的账户中扣除乘车费。
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