WO2021147294A1

WO2021147294A1 - Data processing method and system based on asynchronous pre-authorisation and offline data authentication

Info

Publication number: WO2021147294A1
Application number: PCT/CN2020/106272
Authority: WO
Inventors: 丁林润; 李春欢; 陈朋; 黄江妙; 徐天
Original assignee: 中国银联股份有限公司
Priority date: 2020-01-22
Filing date: 2020-07-31
Publication date: 2021-07-29
Also published as: CN111540100A; TW202129572A; TWI777248B; CN111540100B

Abstract

The present invention relates to a data processing method and a system thereof. The method comprises: when entering a station, acquiring card information and station entering information; if the station entering scene is in an online state, then uploading information online to an industry backend, the industry backend initiating a pre-authorisation request; if the station entering scene is in an offline state, then saving the information locally and uploading after going online; when exiting a station, acquiring card information and station exiting information; in an online situation, uploading information to the industry backend; if offline, then saving the information locally; the industry backend determines whether there is a pre-authorisation success record and, if so, then initiates a pre-authorisation completion transaction and, if there is no pre-authorisation request, then initiates a real-time transaction request. The present invention can reduce the transaction time consumption and prevent disconnection from affecting the transaction.

Description

Data processing method and system based on asynchronous pre-authorization and offline data authentication

Technical field

The present invention relates to computer technology, in particular to a data processing method and a data processing system based on asynchronous pre-authorization and offline data authentication.

Background technique

At present, in the scene of bus and subway crossing gates, payment via mobile phone as a transportation card is mainly based on two modes: real-time online and offline data authentication.

In actual applications, the corresponding solutions are selected according to the existing industry’s network conditions and different requirements for transaction time-consuming.

However, the prior art still has the following shortcomings:

The real-time online solution is highly dependent on the subway network and the transaction time is relatively long. Although the offline data authentication solution has advantages in the speed of gate-passing and does not depend on the network environment, it has the risk of unilateral transactions.

Summary of the invention

In view of the above problems, the present invention aims to provide a data processing method that can reduce transaction time and avoid the impact of network disconnection on transactions, and a data processing system based on asynchronous pre-authorization and offline data authentication.

A data processing method according to one aspect of the present invention is characterized in that it comprises the following steps:

Inbound data processing steps, the industry terminal obtains card information and inbound information and performs offline data authentication processing based on the card information. When the offline data authentication is successful, if the industry terminal is online when entering the station, the industry terminal will The card information and inbound information are uploaded to the industry background, and the industry terminal executes the gate opening action after receiving the return pre-authorization request notification from the industry background. The notification of the pre-authorization request is based on the industry background After the card information initiates the pre-authorization request and before receiving the result of the pre-authorization request returned based on the pre-authorization request, the card information returns from the industry back-end to the industry terminal; and

In the outbound data processing step, the industry terminal obtains card information and performs offline data authentication processing based on the card information. When the offline data authentication is successful, the industry terminal executes the gate opening action.

Optionally, in the outbound data processing step, the industry terminal obtains card information and outbound information and performs offline data authentication processing based on the card information, and then performs a blacklist check. When the offline data authentication succeeds and the blacklist check passes In the case of, the industry terminal executes the gate opening action.

Optionally, in the inbound data processing step, the industry terminal obtains the card information and the inbound information and performs offline data authentication processing based on the card information. When the offline data authentication is successful, if the industry terminal is inbound In the offline state, the industry terminal saves the card information and inbound information locally, and the industry terminal performs the gate opening action. After the subsequent networking, the industry terminal uploads the card information and inbound information to the industry backend.

Optionally, in the outbound data processing step, the industry terminal obtains card information and outbound information and performs offline data authentication processing based on the card information. When the offline data authentication is successful, if the industry terminal is outbound In the online state, the industry terminal uploads the card information and outbound information to the industry background, and the industry terminal judges whether to execute the gate opening action based on the notification returned from the industry background.

Optionally, in the outbound data processing step, the industry terminal obtains card information and outbound information and performs offline data authentication processing based on the card information. When the offline data authentication is successful, if the industry terminal is outbound In an offline state, the industry terminal executes the gate opening action, and after subsequent networking, the industry terminal uploads the card information and outbound information to the industry backend.

Optionally, the outbound data processing step includes the following steps:

The industry terminal obtains card information and outbound information;

Offline data authentication processing based on card information;

When the offline data authentication is successful, the industry terminal uploads the card information and outbound information to the industry backend;

The industry backend performs inbound record inspection and blacklist inspection. If the inbound record inspection and blacklist check are not passed, the industry backend will prevent the industry terminal from performing the gate opening action. If the inbound record check and blacklist check are passed, the industry The background makes the industry terminal execute the gate opening action.

Optionally, the outbound data processing step includes the following steps:

The industry terminal obtains card information and outbound information;

Offline data authentication processing based on card information;

The industry backend conducts inbound record inspection and blacklist inspection; in the case of passing the inbound record inspection and blacklist inspection, the industry backend determines whether there is a pre-authorization request result; and

When there is a pre-authorization request result, the industry background initiates a pre-authorization to complete the transaction.

Optionally, the outbound data processing step includes the following steps:

The industry terminal obtains card information and outbound information;

Offline data authentication processing based on card information;

When there is no pre-authorization request result, the industry background initiates real-time transactions based on inbound and outbound information.

Optionally, in the outbound data processing step, if the industry terminal is online when outbound, the industry terminal uploads the card information and outbound information to the industry background online.

Optionally, in the inbound data processing step, if the industry terminal is offline when entering the station, the industry terminal saves the card information and the inbound information locally, and then the card information and the inbound information are later connected to the network. Upload to the industry backend,

In the outbound data processing step, if the industry terminal is offline when outbound, the industry terminal saves the card information and outbound information locally and uploads the card information and outbound information to the industry backend after subsequent networking .

Optionally, in the outbound data processing step, if the industry terminal is offline when outbound, the industry terminal saves the card information and outbound information locally, and then connects the card information and outbound information after subsequent networking. Upload to the industry backend.

In the outbound data processing step, if the industry terminal is online when outbound, the industry terminal uploads the card information and outbound information to the industry backend online.

Optionally, the pre-authorization to complete the transaction is to deduct the amount calculated according to the inbound information and the outbound information from the amount of the pre-authorized request.

Optionally, the real-time transaction request is generated based on the amount calculated from the inbound information and the outbound information.

The data processing system of the present invention is characterized in that it includes an industry terminal and an industry backend,

The industry terminals include:

The first information acquisition module is used to acquire card information, inbound information, and outbound information;

The first information storage module is used to store card information, inbound information, and outbound information acquired by the information acquisition module;

An offline authentication module, configured to perform offline data authentication based on the card information acquired by the information acquisition module and output an offline data authentication result;

The first information transceiver module is used to upload card information, inbound information, and outbound information to the industry backend and receive control instructions from the industry backend; and

The first gate control module is used for the following control commands from the industry backend or the offline data authentication result from the offline data authentication module to control whether to execute the gate opening action,

The industry background includes:

The second information acquisition module is used to acquire card information, inbound information, and outbound information from the industry terminal;

The second information storage module is used to store the card information, inbound information, and outbound information obtained by the second information obtaining module; and

The transaction processing module is used to initiate a pre-authorization request based on card information and inbound information, and return the pre-authorization request to the industry terminal after the pre-authorization request is initiated and before the result of the pre-authorization request returned based on the pre-authorization request is received in the industry background. The authorization request sends a notification as the control instruction, and is used to complete real-time transactions based on card information, inbound information, and outbound information.

Optionally, the industry terminal further includes:

The first blacklist checking module is configured to perform blacklist checking based on the card information obtained by the first information obtaining module and output the first blacklist checking result;

Wherein, the first gate control module also controls whether the industry terminal executes the gate opening action according to the first blacklist check result from the first blacklist check module.

Optionally, it is characterized in that:

The industry background further includes:

The second blacklist checking module is used to perform blacklist checking based on card information and output the second blacklist checking result; and

Inbound record inspection module, used to check inbound records based on card information and output the inbound record inspection results,

The first gate control module further controls whether the industry terminal executes the gate opening action according to the second blacklist check result and the inbound record check result.

The industry terminal of the present invention is characterized in that it includes: a first information acquisition module for acquiring card information, inbound information, and outbound information;

The first information transceiver module is used to upload card information, inbound information, and outbound information to the external industry backend; and

The first gate control module is used to control whether to execute the gate opening action,

Wherein, in the inbound data processing, when the offline data authentication result of the offline authentication module is successful, if the industry terminal is online when entering the station, the first information transceiver module will send the card information and The inbound information is uploaded to the external industry back office, and the first gate control module controls to perform the gate opening action after receiving the return pre-authorization request notification from the industry back office, wherein the pre-authorization request is issued The notification is returned from the industry background to the industry terminal after the industry background initiates a pre-authorization request based on the card information and before the industry background receives the pre-authorization request result returned based on the pre-authorization request.

Optionally, in the outbound data processing, if the offline data authentication result output by the offline authentication module is successful, the first gate control module controls to execute the gate opening action.

Optionally, it further includes:

The first information storage module is used to store card information, inbound information, and outbound information acquired by the information acquisition module.

Optionally, the first information transceiving module is also used to receive control instructions from the back office of the industry, and the first gate control module is used to receive control instructions from the back office of the industry or the offline data authentication module. The result of the machine data authentication controls whether to execute the gate opening action.

Optionally, the industry terminal further includes:

Optionally, if it is online, the first information transceiving module directly uploads the card information, inbound information, and outbound information obtained by the first information obtaining module to an external industry backend;

If it is offline, the first information transceiving module buffers the received card information, inbound information, and outbound information in the first information storage module, and after subsequent networking, the first information transceiving module stores the received card information, inbound information, and outbound information in the first information storage module. The card information, inbound information, and outbound information stored in an information storage module are uploaded to the external industry background.

The industry background of the present invention is characterized in that it includes:

Transaction processing module, used to initiate a pre-authorization request based on card information and inbound information, and return the pre-authorization request to the external industry terminal after the pre-authorization request is initiated and before the result of the pre-authorization request returned based on the pre-authorization request is received in the industry background Authorization requests to issue notifications as control instructions and used to complete transactions based on card information, inbound information, and outbound information.

Optionally, it further includes:

The inbound record checking module is used to check the inbound record based on the card information and output the inbound record check result.

Optionally, the completion of the transaction based on card information, inbound information, and outbound information includes:

Real-time transaction requests based on inbound information and outbound information;

Perform pre-authorization based on the pre-authorization request to complete the transaction.

The computer-readable medium of the present invention has a computer program stored thereon, and is characterized in that:

When the computer program is executed by the processor, the above-mentioned data processing method is realized.

The computer device of the present invention includes a storage module, a processor, and a computer program that is stored on the storage module and can run on the processor, and is characterized in that the processor implements the above-mentioned data processing method when the processor executes the computer program.

As described above, according to the data processing method based on asynchronous pre-authorization and offline data authentication and the data processing system based on asynchronous pre-authorization and offline data authentication of the present invention, the pre-authorization scheme and the offline data authentication scheme can be combined, That is, it can reduce the requirements of the public transportation scene transaction on the network environment, and can accurately perform the billing of the public transportation scene at the same time. Moreover, the data processing method based on asynchronous pre-authorization and offline data authentication and the data processing system based on asynchronous pre-authorization and offline data authentication in public transportation scenarios according to the present invention can not only reduce transaction time consumption but also avoid network disconnection and transaction Make an impact.

Description of the drawings

Fig. 1 is a schematic diagram showing the flow of inbound data processing in the data processing method based on asynchronous pre-authorization and offline data authentication for subways of the present invention.

2 is a schematic diagram showing the flow of outbound data processing in the data processing method based on asynchronous pre-authorization and offline data authentication for subways of the present invention.

Fig. 3 is a schematic diagram showing the structure of the data processing system of the present invention.

4 is a schematic diagram showing the structure of the data processing system based on asynchronous pre-authorization and offline data authentication for subway scenes of the present invention.

Detailed ways

Introduced below are some of the multiple embodiments of the present invention, intended to provide a basic understanding of the present invention. It is not intended to confirm the key or decisive elements of the present invention or limit the scope of protection.

For brevity and illustrative purposes, this document mainly refers to its exemplary embodiments to describe the principles of the present invention. However, those skilled in the art will readily recognize that the same principles can be equally applied to all types of data processing methods and data processing systems based on asynchronous pre-authorization and offline data authentication, and these same principles can be implemented therein. The principle and any such changes do not depart from the true spirit and scope of this patent application.

Moreover, in the following description, reference is made to the accompanying drawings, which illustrate specific exemplary embodiments. Electrical, mechanical, logical, and structural changes can be made to these embodiments without departing from the spirit and scope of the present invention. In addition, although the feature of the present invention is disclosed in conjunction with only one of several implementations/embodiments, if it may be desired and/or advantageous for any given or identifiable function, this feature can be combined with other implementations. One or more other features of the embodiment are combined. Therefore, the following description should not be considered in a limiting sense, and the scope of the present invention is defined by the appended claims and their equivalents.

Terms such as "have" and "include" mean that in addition to units (modules) and modules that are directly and clearly stated in the specification and claims, the technical solution of the present invention does not exclude State the situation of other units (modules) and modules.

First, an overview of the data processing method of the present invention and the data processing system based on asynchronous pre-authorization and offline data authentication will be described.

In the following description, for the data processing method of the present invention and the data processing system based on asynchronous pre-authorization and offline data authentication, the application in the subway scene is taken as an example. Of course, the present invention is not limited to the subway scene. It is suitable for various other scenarios, and when it is suitable for public transportation scenarios, for example, it can be applied to buses, ships, magnetic levitation, and so on.

Fig. 1 is a schematic diagram showing the flow of inbound data processing in the data processing method based on asynchronous pre-authorization and offline data authentication for subways of the present invention. 2 is a schematic diagram showing the flow of outbound data processing in the data processing method based on asynchronous pre-authorization and offline data authentication for subways of the present invention.

First, referring to FIG. 1, the inbound data processing will be described.

As shown in Figure 1, the inbound data processing for subways of the present invention based on asynchronous pre-authorization and offline data authentication includes the following steps:

Step S101: After the user swipes the card to enter the station, the gate will perform DDA (offline data authentication) to ensure the authenticity of the card, specifically: send offline data interaction, if the authentication is successful (ie "Y" in the figure, the same below) Continue to step S102, otherwise (ie "N" in the figure, the same below) skip to step S111;

Step S102: Determine whether the gate has a signal, if there is a signal, continue to step S103, if there is no signal, then skip to step S112;

Step S103: The gate sends the card information and inbound data to the subway backstage;

Step S104: The subway backstage checks the blacklist, if the check is passed, proceed to step S105, otherwise skip to step S115;

Step S105: the unilateral or repeated entry check performed by the subway backstage, if the check is passed, proceed to step S106, otherwise skip to step S115;

Step S106: The subway backend sends an asynchronous pre-authorization request for the highest fare to the bank transfer system;

Step S107: the subway backstage sends a control command to open the gate and the user enters the station;

Step S108: The bank transfer system initiates an asynchronous pre-authorization request to the bank;

Step S109: The bank background performs pre-authorization processing according to the asynchronous pre-authorization request, and freezes the funds of the highest fare;

Step S110: The bank background returns the pre-authorization result to the subway background, and the subway background saves the entry record and the pre-authorization status (that is, the card information, the entry information, and the pre-authorization success record);

Step S111: The gate does not open, and entry is refused;

Step S112: The gate saves the card data and inbound information locally, in which the ARQC (online transaction request ciphertext) is obtained, and the ARQC is used for online pre-authorization transactions, and then proceeds to step S113;

Step S113: The gate is opened, the user enters the station, and then continues to step S114;

Step S114: After the signal is received, the gate will send the card data and entry information to the subway background system;

Step S115: The gate is not opened, and entry is refused.

Among them, ODA refers to Offline Data Authentication, which means that the terminal can verify the authenticity of the card without obtaining an authorization response from the issuing bank. DDA refers to Dynamic Data Authentication. ARQC refers to Authorization Request Cryptogram (authorization request ciphertext), which refers to the ciphertext of authorization request for online pre-authorization transactions.

Here, step S106 and step S107 are an inventive point of the present invention, which will be described in detail here.

In step S106, the subway backend sends the highest fare pre-authorization information to the bank transfer system (that is, initiates a pre-authorization request). After the subway back-end initiates a pre-authorization request based on the card information, the subway back-end receives the pre-authorization request based on the card information. Before the result of the pre-authorization request returned from the bank transfer system, the “pre-authorization request notification” will be returned from the subway back office to the gate, and the gate will be opened when the “pre-authorization request notification” is received. In this way, there is no need to wait until the result of the pre-authorization request is returned from the bank transfer system, and the "pre-authorization request issuance notice" can be returned to the gate earlier, and the gate will be opened when the notice is received, thereby improving the online processing speed. Next, the outbound data processing will be described with reference to FIG. 2.

As shown in Figure 2, the outbound data processing based on asynchronous pre-authorization and offline data authentication for subways of the present invention includes the following steps:

Step S201: After the user swipes the card to enter the station, the gate will perform offline data authentication to ensure the authenticity of the card, specifically: send offline data interaction, if the authentication is successful, continue to step S202, otherwise skip to step S212;

Step S202: Determine whether the gate has a signal, if there is a signal, continue to step S203, if there is no signal, then skip to step S213;

Step S203: The gate sends the card information and outbound data to the subway backstage;

Step S204: The subway backstage checks the blacklist, if the check is passed, proceed to step S205, otherwise skip to step S216;

Step S205: the unilateral or repeated entry check performed by the subway backstage, if the check is passed, proceed to step S206, otherwise skip to step S216;

Step S206: The subway background confirms whether the pre-authorization is successful (that is, whether there is a pre-authorization success record), if it succeeds, proceed to step S208, if it fails, skip to step S216;

Step S207: The gate is opened and the user goes out, continue to step S208;

Step S208: The subway background calculates the fare according to the inbound data and the outbound data, and asynchronously initiates a pre-authorization completion request to the bank transfer system;

Step S209: After receiving the pre-authorization completion request, the bank transfer system initiates a pre-authorization completion request to the bank;

Step S210: The bank background performs pre-authorization completion processing according to the pre-authorization completion request, and returns the transaction result;

Step S211: The bank background returns the transaction result to the subway background, and the subway background marks the itinerary matches and the deduction is successful;

Step S212: The gate is not opened, and it refuses to leave the station;

Step S213: The gate saves the card data and outbound information locally, and continues to step S214;

Step S214: The gate is opened, the user exits the station, and then continues to step S215;

Step S215: After a signal is received, the gate sends the card data and outbound information to the subway back-end system;

Step S115: The gate is not opened, and entry is refused.

In addition, although the blacklist check is performed on the subway back-end side (ie the industry back-end side) in the example shown in Figs. 1 and 2, as an optional method, the blacklist check can also be performed on the gate side (ie the industry terminal side). Moreover, the blacklist check may be performed on both the industry backend side and the industry terminal side, or one of the industry backend side and the industry terminal side may be selected for blacklist check.

Next, four embodiments of the data processing method based on asynchronous pre-authorization and offline data authentication for subways of the present invention will be described.

The first embodiment

The data processing method based on asynchronous pre-authorization and offline data authentication for subways in the first embodiment of the present invention represents a data processing method in the case of inbound online and outbound online. The method includes an inbound data processing step and an outbound data processing step.

In the following, the inbound data processing steps and the outbound data processing steps will be described separately.

First, the inbound data processing steps include the following sub-steps:

(1) When entering the station, after the user swipes the card, the gate will perform offline data authentication. If the authentication is passed, the gate will open and continue with the following steps. If it fails, the gate will not open and the entry will be refused;

(2) When the gate is online (that is, when it is judged that the gate has a signal), the gate uploads the card information and inbound data to the subway backstage;

(3) The subway back-end performs a blacklist check, that is, confirms that the user card number is not in the blacklist of the subway back-end, if it passes, proceed to the following step (4), otherwise it will directly return to notify the gate not to open, and refuse the user to leave the station;

(4) The subway backstage will further check the unilateral or repeated entry, and judge that the user does not save the unilateral entry record and there is no repeated entry. If the conditions are not met, it will directly return to notify the gate not to open and refuse the user to enter the station, such as reminding The user card is abnormal and needs to be handled at the service desk; if the conditions are met, continue with the following steps (5);

(5) The subway back-end initiates an asynchronous pre-authorization request to the bank transfer system based on the card information (for example, a pre-authorization request is initiated with the highest fare amount). The so-called "asynchronous pre-authorization request" refers to the subway back-end transfer system to the bank Initiate a pre-authorization request. After the subway back-end initiates the pre-authorization request based on the card information, and before the subway back-end receives the pre-authorization request result returned from the bank transfer system based on the pre-authorization request, the “pre-authorization” is first returned from the subway back-end to the gate Request for notification", the gate opens after receiving the "notification for pre-authorization request";

(6) After receiving the request, the bank transfer system initiates a pre-authorization request to the bank card system of the issuing bank to freeze the funds in the card and return the pre-authorization result to the subway back office.

Through the above-mentioned "asynchronous pre-authorization request", there is no need to wait until the result of the pre-authorization request is returned from the bank transfer system, and the "pre-authorization request notification" can be returned to the gate earlier, and the gate will be opened when the notification is received As a result, the speed of online processing can be increased.

Then, when the user goes out of the station, the outbound data processing step includes the following sub-steps:

(1) When leaving the station, after the user swipes the card, the gate will perform offline dynamic data authentication to verify that the card is true. If the offline data authentication is successful, continue with the following steps. If the offline data authentication fails, the gate will not Open, reject outbound;

(2) The gate will send the card information and outbound information to the subway backstage;

(3) The blacklist check at the subway backstage is used to confirm that the user's card number is not in the blacklist at the subway backstage. If it passes, proceed to the following step (4), otherwise, it will directly return to notify that the gate is not open and refuse the user to leave the station;

(4) The subway backstage checks for unilateral or repeated entry, and judges that the user does not save the unilateral entry record and does not repeat the entry. If the conditions are not met, it will directly return to notify the gate not to open, and refuse the user to leave the station. Conditions continue with the following steps (5);

(5) The subway backstage judges whether the card number corresponding to the card information has a successful pre-authorization record, and if so, informs the gate to open the gate. At the same time, the subway backstage initiates a real-time pre-authorization record to the bank transfer system based on the card information, inbound data, and outbound data. Authorization completes the request. On the other hand, if there is no pre-authorization success record, the gate will be notified that the gate will not be opened and the user will be refused to go out;

(6) After the bank transfer system receives the authorization completion request, it initiates a pre-authorization to the issuing bank's bank backstage to complete the transaction, and the bank backstage deducts the passenger fare and returns the result to the subway backstage; and

(7) The subway backstage marks the itinerary matches and the deduction is successful.

Second embodiment

The data processing method based on asynchronous pre-authorization and offline data authentication for subways in the second embodiment of the present invention represents a data processing method in the case of inbound offline and outbound offline. The method includes an inbound data processing step and an outbound data processing step.

First, the inbound data processing steps include the following sub-steps:

(2) When the gate is offline (that is, when it is judged that there is no signal from the gate), the gate will save the card information and inbound data locally, and then send the card information to the subway backstage after the subsequent gates are connected to the Internet And inbound data (ODA transaction data) for subsequent itinerary matching when outbound.

Then, outbound data processing includes the following sub-steps:

(1) When leaving the station, after the user swipes the card, the gate will perform offline dynamic data authentication (DDA verification) to verify that the card is true. If the authentication is passed, the gate will open, continue with the following steps (2), if the authentication fails, the gate will be gated The machine does not turn on, and the user is refused to go out;

(2) When the gate is offline (that is, when it is judged that there is no signal from the gate), the gate saves the card information and outbound data locally, and then sends the card information to the subway backstage after the subsequent gates are connected to the Internet And outbound data (ODA transaction data) for subsequent itinerary matching when outbound;

(3) After receiving the card information and outbound data, the subway backstage confirms that the card information has corresponding inbound data but there is no pre-authorization success record, the subway backstage matches the inbound data and outbound data, and the matching is successful Form and charge in accordance with subway billing rules, and initiate real-time transaction requests to the bank transfer system;

(6) After receiving the real-time transaction request, the bank transfer system will make real-time transactions with the bank background of the issuing bank, and the bank background of the issuing bank will deduct the passenger fare and return the result to the subway background; and

The third embodiment

The data processing method based on asynchronous pre-authorization and offline data authentication for subways in the third embodiment of the present invention represents a data processing method in the case of inbound online and outbound offline. The method includes an inbound data processing step and an outbound data processing step.

First, the inbound data processing steps include the following sub-steps:

(4) The subway backstage will further check the unilateral or repeated entry, and judge that the user does not save the unilateral entry record and there is no repeated entry. If the conditions are not met, it will directly return to notify the gate not to open and refuse the user to enter the station, such as reminding The user card is abnormal and needs to be handled at the service desk. If the conditions are met, continue with the following steps (5);

(3) After the subway backend receives the card information and outbound data, it confirms that the card information has corresponding inbound data and there is a pre-authorization success record. The subway backend will send directions based on the card information, inbound data, and outbound data. The bank transfer system initiates a pre-authorization completion request;

(4) After the bank transfer system receives the authorization completion request, it initiates a pre-authorization to the issuing bank's bank backstage to complete the transaction, and the bank backstage deducts the passenger fare and returns the result to the subway backstage; and

(5) The subway backstage marks the itinerary matches and the deduction is successful.

Fourth embodiment

The data processing method based on asynchronous pre-authorization and offline data authentication for subways in the fourth embodiment of the present invention represents a data processing method in the case of inbound offline and outbound online. The method includes an inbound data processing step and an outbound data processing step.

First, the inbound data processing steps include the following sub-steps:

(5) When the subway background judges that the card number corresponding to the card information has inbound data but does not have a successful pre-authorization record, the subway background informs the gate to open the gate, and the subway background based on the card information, inbound data, and outbound data in accordance with the subway Billing rules are used for billing, and real-time transaction requests are initiated to the bank transfer system;

The above examples mainly explain the data processing method of the present invention. Next, the above examples of the present invention mainly explain the data processing system.

As shown in FIG. 3, the data processing system of the present invention includes: an industry terminal 100, an industry back office 200, a bank transfer system 300, and a bank back office 400.

Among them, the industry terminal 100 includes:

The first information acquisition module 110 is used to acquire card information and entry and exit information;

The first offline authentication module 120 is configured to perform offline data authentication based on the card information obtained by the first information obtaining module and output an offline data authentication result;

The first information storage module 130 is configured to store the information acquired by the information acquisition module;

The first information transceiving module 140 is configured to upload card information and entry and exit information to the industry backend and accept control instructions from the industry backend; and

The first gate control module 150 is configured to control the gates of the industry terminal according to the offline authentication result and the control instructions from the industry background.

Wherein, in the inbound data processing, when the offline data authentication result of the first offline authentication module 120 is successful, if the industry terminal is online when entering the station, the first information transceiving module 140 The card information and inbound information are uploaded to the external industry back office 200, and after receiving the returned pre-authorization request notification from the industry back office 200, the first gate control module 150 controls to perform the gate opening action. The notification of the pre-authorization request is issued after the industry back office 200 initiates a pre-authorization request to the bank transfer system 300 based on the card information, and the industry back office 200 receives the pre-authorization request returned from the bank transfer system 300 based on the pre-authorization request. The result is returned from the industry backend 200 to the industry terminal 100 before the result. Wherein, in the outbound data processing, when the offline data authentication result output by the first offline authentication module 120 is successful, the first gate control module 150 controls to execute the gate opening action. The industry back office 200 includes:

The second information acquisition module 210 is configured to acquire card information and station entry and exit information from the industry terminal;

The second information storage module 220 is used to store the information acquired by the second information acquisition module; and the transaction processing module 230 is used to initiate a pre-authorization request or initiate a real-time transaction request based on card information and/or entry and exit information, and use In determining whether there is a pre-authorization request, and if there is a pre-authorization request, the pre-authorization is initiated to complete the transaction, and if there is no pre-authorization request, then a real-time transaction request is initiated.

The bank transfer system 300 is used to forward the transaction request from the industry back office 200 to the bank back office 400 of the bank corresponding to the card information, and to return the transaction processing feedback from the bank back office 400 to the industry back office 200.

The bank back office 400 is used to complete transaction processing according to transaction requests (including pre-authorization requests, pre-authorization completion requests, real-time transaction requests, etc.).

As a preferred way, the industry back office 200 further includes:

The blacklist checking module 240 is configured to check the blacklist based on the card information and output the first control instruction; and

The inbound record checking module 250 is used to check the inbound record based on the card information (for example, whether there is a unilateral record, whether there is a repeated inbound, etc.) and output a second control instruction.

In this way, the first gate control module 150 may be configured to further control the opening or closing of the gate of the industry terminal according to the first control instruction and the second control instruction from the industry back office 200.

Among them, the transaction processing module 230 initiates a pre-authorization request based on the card information with the highest fare and a real-time transaction request based on the card information and/or entry and exit information, and, on the other hand, is used to determine whether there is a pre-authorization request and if there is a pre-authorization request. An authorization request initiates a pre-authorization to complete the transaction, and if there is no pre-authorization request, a real-time transaction request is initiated. Wherein, the pre-authorization to complete the transaction refers to a situation in which the transaction is completed by deducting the actual transportation fee amount matched by the inbound information and the outbound information from the amount of the pre-authorized request initiated at the highest fare.

As shown in FIG. 4, the data processing system based on asynchronous pre-authorization and offline data authentication for subway of the present invention includes: gate terminal 10 (also referred to as gate), subway back office 20, and bank transfer system 30 And the bank back office 40.

Among them, the gate terminal 10 includes:

The first information acquisition module 11 is used to acquire card information and entry and exit information;

The first offline authentication module 12 is configured to perform offline authentication based on the card information obtained by the first information obtaining module and output an offline authentication result;

The first information storage module 13 is configured to store the information acquired by the information acquisition module;

The first information transceiver module 14 is used to upload card information and station entry and exit information to the industry backend and accept control instructions from the industry backend; and

The first gate control module 15 is used to control the opening or closing of the gate of the gate terminal 10 according to the offline authentication result and the control instructions from the next 20 stations in the industry.

The subway backstage 20 includes:

The second information acquisition module 21 is used to acquire card information and station entry and exit information from the gate terminal 10;

The second information storage module 22 is configured to store the information acquired by the second information acquisition module 21; and

The transaction processing module 23 is used to initiate a pre-authorization request or initiate a real-time transaction request based on card information and/or entry and exit information, and to determine whether there is a pre-authorization request, and if there is a pre-authorization request, initiate a pre-authorization to complete the transaction. If there is a pre-authorization request, a real-time transaction request is initiated.

The bank transfer system 30 is used to forward the transaction request from the subway back office 20 to the bank back office 40 of the bank corresponding to the card information, and to return the transaction processing feedback from the bank back office 40 to the subway back office 20.

The bank background 40 is used to complete transaction processing according to transaction requests (including pre-authorization requests, pre-authorization completion requests, real-time transaction requests, etc.).

In addition, what is described here is the bank back office 40. As an alternative, UnionPay transfer system back office, third-party back office, etc. may also be used.

As a preferred way, the subway backstage 20 further includes:

The blacklist check module 24 is used to check the blacklist based on the card information and output the first control instruction; and the inbound record check module 25 is used to check the inbound record based on the card information (for example, whether there is a unilateral record, yes No repeated entry, etc.) and output the second control command.

In this way, the first gate control module 15 can be configured to further control the opening or closing of the gates of the industry terminal according to the first control instruction and the second control instruction from the subway back office 20.

Among them, the transaction processing module 23 initiates a pre-authorization request based on the card information with the highest fare and initiates a real-time transaction request based on the card information and/or entry and exit information, and, on the other hand, is used to determine whether there is a pre-authorization request and if there is a pre-authorization request. An authorization request initiates a pre-authorization to complete the transaction, and if there is no pre-authorization request, a real-time transaction request is initiated. Wherein, the pre-authorization to complete the transaction refers to a situation in which the transaction is completed by deducting the actual transportation fee amount matched by the inbound information and the outbound information from the amount of the pre-authorized request initiated at the highest fare.

In this way, the inbound data processing system based on asynchronous pre-authorization and offline data authentication for subway scenes of this embodiment can implement the following data processing methods.

When entering the station, the inbound data processing includes the following steps:

After the user swipes the card to enter the station, the first information obtaining module 11 obtains card information and station entry information, and the first offline authentication module 12 performs offline authentication and outputs an offline authentication result;

If the authentication is successful, continue with the following steps. If the authentication fails, the first gate control module 15 controls the closing of the gates of the subway terminal 10 according to the offline authentication failure;

When the gate terminal 10 has a networking signal, the first information transceiving module 14 uploads the card information and inbound information to the subway backend 20, and when the gate terminal 10 does not have a networking signal, the first information storage module 13 Store the information acquired by the information acquisition module 13 and upload it to the subway backend 20 by the first information transceiver module 14 after waiting for a networking signal;

When the gate terminal 10 sends the card information and inbound data to the subway backstage 20 online, the blacklist check module 23 of the subway backstage 10 performs blacklist check based on the card information and outputs the first control instruction. If the blacklist check is If passed, the first control instruction is to open the gate of the gate terminal 10, and if the blacklist check is not passed, the first control instruction is to close the gate of the gate terminal 10;

The record check module 24 further checks the inbound record based on the card information (for example, whether there is a unilateral record, whether there is repeated inbound, etc.) and outputs the second control instruction. If the inbound record check is passed, the second control instruction is Open the gate of the gate terminal 10, if the entry record check is not passed, the second control instruction is to close the gate of the gate terminal 10;

The transaction processing module 23 of the subway back office 20 sends an asynchronous pre-authorization request of the highest fare to the bank transfer system 30;

The bank transfer system 20 initiates an asynchronous pre-authorization request to the bank back office 30;

The bank background 30 performs pre-authorization processing according to the asynchronous pre-authorization request, and freezes the funds of the highest fare;

The bank backstage 30 returns the pre-authorization result to the subway backstage 20, and the subway backstage 20 saves the entry records (including the card information and the pre-authorization success confirmation information).

When outbound, including outbound data processing includes the following steps:

When the user swipes the card out of the station, the first information obtaining module 11 obtains card information and outbound information;

The first offline authentication module 12 performs offline authentication based on the card information obtained by the first information obtaining module 11 and outputs an offline authentication result;

If the authentication is successful, continue with the following steps, if the authentication fails, the first gate control module 15 controls the closing of the gates of the subway terminal 10 according to the situation that the offline authentication result is a failure;

When the gate terminal 10 has a networking signal, the first information transceiving module 14 uploads the card information and outbound information to the subway backend 20, and when the gate terminal 10 does not have a networking signal, the first information storage module 13 Store the information acquired by the information acquisition module 13 and upload it to the subway backend 20 by the first information transceiver module 14 after waiting for a networking signal;

When the gate terminal 10 sends the card information and outbound data to the subway backstage 20 online, the blacklist check module 23 of the subway backstage 10 performs blacklist check based on the card information and outputs the first control instruction. If the blacklist check is If passed, the first control instruction is to open the gate of the gate terminal 10, and if the blacklist check is not passed, the first control instruction is to close the gate of the gate terminal 10;

The record check module 24 further checks the inbound record based on the card information (for example, whether there is a unilateral record, whether there is repeated inbound, etc.) and outputs the second control instruction. If the inbound record check is passed, the second control instruction is Open the gate, if the entry record check is not passed, the second control command is to close the gate;

The transaction processing module 23 of the subway back office 20 confirms whether there is a pre-authorization success record. If there is a pre-authorization success record, the transaction processing module 23 of the subway back office 20 calculates the fare according to the itinerary, and asynchronously initiates a pre-authorization completion request to the bank transfer system 30 After receiving the pre-authorization completion request, the bank transfer system 30 initiates a pre-authorization completion request to the bank back office 40. The bank back office 40 performs pre-authorization completion processing according to the pre-authorization completion request and returns the transaction result, and the bank back office 40 returns the transaction result to The subway backstage 20 and the subway backstage 20 mark the itinerary match and the deduction is successful. On the other hand, when there is no pre-authorization success record, the transaction processing module 23 of the subway backstage 20 calculates the fare according to the inbound information and the outbound information. The bank transfer system 30 real-time transaction request. After receiving the real-time transaction request, the bank transfer system 30 initiates a real-time transaction request to the bank backend 40. The bank backend 40 performs a pre-real-time transaction according to the real-time transaction request and returns the transaction result. The bank backend 40 will The transaction result is returned to the subway backstage 20, and the subway backstage 20 marks the itinerary matches and the deduction is successful.

The present invention also provides a computer-readable medium on which a computer program is stored, characterized in that, when the computer program is executed by a processor, the above-mentioned data processing method is realized.

The present invention also provides a computer device, including a storage module, a processor, and a computer program stored on the storage module and running on the processor, wherein the processor implements the above data when the computer program is executed. Approach.

As described above, the data processing method based on asynchronous pre-authorization and offline data authentication and the data processing system based on asynchronous pre-authorization and offline data authentication in public transportation scenarios of the present invention can authenticate the pre-authorization scheme and offline data. The combination of the schemes can not only reduce the requirements of the public transportation scene transaction on the network environment, but also accurately perform the billing of the public transportation scene at the same time. Moreover, the data processing method based on asynchronous pre-authorization and offline data authentication and the data processing system based on asynchronous pre-authorization and offline data authentication according to the public transportation scene of the present invention can not only reduce transaction time consumption, but also avoid network disconnection. Make an impact.

The above examples mainly illustrate data processing methods and data processing systems based on asynchronous pre-authorization and offline data authentication. Although only some of the specific embodiments of the present invention have been described, those of ordinary skill in the art should understand that the present invention can be implemented in many other forms without departing from its spirit and scope. Therefore, the examples and implementations shown are regarded as illustrative rather than restrictive. The present invention may cover various modifications without departing from the spirit and scope of the present invention as defined by the appended claims. And replace.

Claims

A data processing method, characterized in that it comprises the following steps:

Inbound data processing steps, the industry terminal obtains card information and inbound information and performs offline data authentication processing based on the card information. When the offline data authentication is successful, if the industry terminal is online when entering the station, the industry terminal will The card information and inbound information are uploaded to the industry background, and the industry terminal executes the gate opening action after receiving the return pre-authorization request notification from the industry background. The notification of the pre-authorization request is based on the industry background After the card information initiates the pre-authorization request and before receiving the result of the pre-authorization request returned based on the pre-authorization request, the card information returns from the industry back-end to the industry terminal; and

In the outbound data processing step, the industry terminal obtains card information and performs offline data authentication processing based on the card information. When the offline data authentication is successful, the industry terminal executes the gate opening action.
The data processing method according to claim 1, wherein:

In the outbound data processing step, the industry terminal obtains card information and outbound information and performs offline data authentication processing based on the card information, and then performs a blacklist check. When the offline data authentication is successful and the blacklist check passes, Then the industry terminal executes the gate opening action.
The data processing method according to claim 1, wherein:

In the inbound data processing step, the industry terminal obtains the card information and the inbound information and performs offline data authentication processing based on the card information. When the offline data authentication is successful, if the industry terminal is offline when inbound , The industry terminal saves the card information and inbound information locally, and the industry terminal performs the gate opening action. After the subsequent networking, the industry terminal uploads the card information and inbound information to the industry backend.
The data processing method according to claim 1, wherein:

In the outbound data processing step, the industry terminal obtains card information and outbound information and performs offline data authentication processing based on the card information. When the offline data authentication is successful, if the industry terminal is online when outbound, The industry terminal uploads the card information and outbound information to the industry background, and the industry terminal judges whether to execute the gate opening action based on the notification returned from the industry background.
The data processing method according to claim 1, wherein:

In the outbound data processing step, the industry terminal obtains card information and outbound information and performs offline data authentication processing based on the card information. When the offline data authentication is successful, if the industry terminal is offline when outbound , The industry terminal performs the gate opening action, and after the subsequent networking, the industry terminal uploads the card information and outbound information to the industry backend.
The data processing method according to claim 1, wherein the outbound data processing step comprises the following steps:

The industry terminal obtains card information and outbound information;

Offline data authentication processing based on card information;

When the offline data authentication is successful, the industry terminal uploads the card information and outbound information to the industry backend;

The industry backend performs inbound record inspection and blacklist inspection. If the inbound record inspection and blacklist check are not passed, the industry backend will prevent the industry terminal from performing the gate opening action. If the inbound record check and blacklist check are passed, the industry The background makes the industry terminal execute the gate opening action.
The data processing method according to claim 1, wherein the outbound data processing step comprises the following steps:

The industry terminal obtains card information and outbound information;

Offline data authentication processing based on card information;

When the offline data authentication is successful, the industry terminal uploads the card information and outbound information to the industry backend;

The industry backend conducts inbound record inspection and blacklist inspection; in the case of passing the inbound record inspection and blacklist inspection, the industry backend determines whether there is a pre-authorization request result; and

When there is a pre-authorization request result, the industry background initiates a pre-authorization to complete the transaction.
8. The data processing method of claim 7, wherein the outbound data processing step comprises the following steps:

The industry terminal obtains card information and outbound information;

Offline data authentication processing based on card information;

When the offline data authentication is successful, the industry terminal uploads the card information and outbound information to the industry backend;

The industry backend conducts inbound record inspection and blacklist inspection; in the case of passing the inbound record inspection and blacklist inspection, the industry backend determines whether there is a pre-authorization request result; and

When there is no pre-authorization request result, the industry background initiates real-time transactions based on inbound and outbound information.
The data processing method according to claim 1, wherein:

In the outbound data processing step, if the industry terminal is online when outbound, the industry terminal uploads the card information and outbound information to the industry background online.
The data processing method according to claim 1, characterized in that, in the inbound data processing step, if the industry terminal is offline when the inbound station, the industry terminal saves the card information and the inbound information locally, and when After subsequent networking, upload the card information and inbound information to the industry backend,

In the outbound data processing step, if the industry terminal is offline when outbound, the industry terminal saves the card information and outbound information locally and uploads the card information and outbound information to the industry backend after subsequent networking .
The data processing method according to claim 1, wherein:

In the outbound data processing step, if the industry terminal is offline when outbound, the industry terminal saves the card information and outbound information locally and uploads the card information and outbound information to the industry backend after subsequent networking .
The data processing method according to claim 1, wherein:

In the inbound data processing step, if the industry terminal is offline when entering the station, the industry terminal saves the card information and inbound information locally, and uploads the card information and inbound information to the industry backend after subsequent networking ,

In the outbound data processing step, if the industry terminal is online when outbound, the industry terminal uploads the card information and outbound information to the industry background online.
The data processing method according to claim 11, wherein:

The pre-authorization to complete the transaction is to deduct the amount calculated according to the inbound information and the outbound information from the amount of the pre-authorized request.
The data processing method according to claim 12, wherein:

The real-time transaction request is generated based on the amount calculated from the inbound information and the outbound information.
A data processing system, which is characterized in that it includes an industry terminal and an industry backend,

The industry terminals include:

The first information acquisition module is used to acquire card information, inbound information, and outbound information;

The first information storage module is used to store card information, inbound information, and outbound information acquired by the information acquisition module;

An offline authentication module, configured to perform offline data authentication based on the card information acquired by the information acquisition module and output an offline data authentication result;

The first information transceiver module is used to upload card information, inbound information, and outbound information to the industry backend and receive control instructions from the industry backend; and

The first gate control module is used for the following control commands from the industry backend or the offline data authentication result from the offline data authentication module to control whether to execute the gate opening action,

The industry background includes:

The second information obtaining module is used to obtain card information, inbound information, and outbound information from the industry terminal; the second information storage module is used to store the card information, inbound information, and information obtained by the second information obtaining module. Outbound information; and

The transaction processing module is used to initiate a pre-authorization request based on card information and inbound information, and return the pre-authorization request to the industry terminal after the pre-authorization request is initiated and before the result of the pre-authorization request returned based on the pre-authorization request is received in the industry background. The authorization request sends a notification as the control instruction, and is used to complete real-time transactions based on card information, inbound information, and outbound information.
The data processing system according to claim 15, wherein the industry terminal further comprises: a first blacklist checking module, configured to perform a blacklist check based on the card information obtained by the first information obtaining module and output the first blacklist 1. Blacklist check result;

Wherein, the first gate control module also controls whether the industry terminal executes the gate opening action according to the first blacklist check result from the first blacklist check module.
The data processing system of claim 16, wherein:

The industry background further includes:

The second blacklist checking module is used to perform blacklist checking based on card information and output the second blacklist checking result; and

Inbound record inspection module, used to check inbound records based on card information and output the inbound record inspection results,

The first gate control module further controls whether the industry terminal executes the gate opening action according to the check result of the second blacklist and the check result of the inbound record.
An industry terminal, which is characterized by comprising: a first information acquisition module for acquiring card information, inbound information, and outbound information;

An offline authentication module, configured to perform offline data authentication based on the card information acquired by the information acquisition module and output an offline data authentication result;

The first information transceiver module is used to upload card information, inbound information, and outbound information to the external industry backend; and

The first gate control module is used to control whether to execute the gate opening action,

Wherein, in the inbound data processing, when the offline data authentication result of the offline authentication module is successful, if the industry terminal is online when entering the station, the first information transceiver module will send the card information and The inbound information is uploaded to the external industry back office, and the first gate control module controls to perform the gate opening action after receiving the return pre-authorization request notification from the industry back office, wherein the pre-authorization request is issued The notification is returned from the industry background to the industry terminal after the industry background initiates a pre-authorization request based on the card information and before the industry background receives the pre-authorization request result returned based on the pre-authorization request.
The data processing system of claim 17, wherein:

In the outbound data processing, when the offline data authentication result output by the offline authentication module is successful, the first gate control module controls to execute the gate opening action.
The data processing system of claim 19, further comprising:

The first information storage module is used to store card information, inbound information, and outbound information acquired by the information acquisition module.
The data processing system of claim 20, wherein:

The first information transceiving module is also used to receive control instructions from the industry backend,

The first gate control module is used to control whether to execute the gate opening action according to a control instruction from the industry background or an offline data authentication result from the offline data authentication module.
The data processing system of claim 21, wherein the industry terminal further comprises:

The first blacklist checking module is configured to perform blacklist checking based on the card information obtained by the first information obtaining module and output the first blacklist checking result;

Wherein, the first gate control module further controls whether the industry terminal executes the gate opening action according to the first blacklist check result from the first blacklist check module.
The data processing method of claim 22, wherein:

If it is online, the first information transceiving module directly uploads the card information, inbound information, and outbound information obtained by the first information obtaining module to the external industry backend;

If it is offline, the first information transceiving module buffers the received card information, inbound information, and outbound information in the first information storage module, and after subsequent networking, the first information transceiving module stores the received card information, inbound information, and outbound information in the first information storage module. The card information, inbound information, and outbound information stored in an information storage module are uploaded to the external industry background.
An industry backend characterized by:

The second information obtaining module is used to obtain card information, inbound information, and outbound information from the industry terminal; the second information storage module is used to store the card information, inbound information, and information obtained by the second information obtaining module. Outbound information; and

Transaction processing module, used to initiate a pre-authorization request based on card information and inbound information, and return the pre-authorization request to the external industry terminal after the pre-authorization request is initiated and before the result of the pre-authorization request returned based on the pre-authorization request is received in the industry background Authorization requests to issue notifications as control instructions and used to complete transactions based on card information, inbound information, and outbound information.
The industry back office according to claim 24, further comprising:

The second blacklist checking module is used to perform blacklist checking based on card information and output the second blacklist checking result; and

The inbound record checking module is used to check the inbound record based on the card information and output the inbound record check result.
The industry back office according to claim 25, characterized in that:

The completion of the transaction based on card information, inbound information, and outbound information includes:

Real-time transaction requests based on inbound information and outbound information;

Perform pre-authorization based on the pre-authorization request to complete the transaction.
A computer-readable medium on which a computer program is stored, characterized in that:

When the computer program is executed by a processor, the data processing method according to any one of claims 1-17 is realized.
A computer device, comprising a storage module, a processor, and a computer program stored on the storage module and running on the processor, wherein the processor implements any one of claims 1 to 17 when the computer program is executed. The data processing method described in the item.