CN105184970B - Bus IC card network payment system and its method of payment - Google Patents
Bus IC card network payment system and its method of payment Download PDFInfo
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- CN105184970B CN105184970B CN201510543071.0A CN201510543071A CN105184970B CN 105184970 B CN105184970 B CN 105184970B CN 201510543071 A CN201510543071 A CN 201510543071A CN 105184970 B CN105184970 B CN 105184970B
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Abstract
Bus IC card network payment system provided by the invention and its method of payment, pass through the change to currently paying theory, split certification by bus and the payment function of bus IC card, realize that passenger neglects neither with network payment by bus, passenger users bus IC card is not necessarily to pay pre-payment to specified point, only it need to ensure that the withhold account mating with the IC card has the amount of money, remove user from the method and pays advanced charge to bus IC card service point, greatly facilitate passenger, public transport company scene is also greatly decreased and supplements the logistics services personnel such as personnel and counting with money, reduce bus operation cost.
Description
【Technical field】
The present invention relates to supplement payment technology with money more particularly to a kind of first giving certification and the later stage passes through platform by bus to passenger
The bus IC card network payment system and its method of payment of automatic paying riding expense.
【Background technology】
Existing bus IC card belongs to the small amount consumption card that off line uses, have the characteristics that it is easy to carry, keep the change, use
The family amount of money is stored on card, and property is different from the bank card that the amount of money is stored in back-end data, and according to national current policies, such is small
Volume consumption card can only in industry consume (have financial qualification except), and use scope can only also make within the scope of public transport
With, such as bus, taxi, subway, tramcar and ferry.
Currently, off line card is the main product of quick payment, especially in public transport field, public transit trade requires passenger
Payment must be quick, could ensure that the agility of operation can not accomplish class so public transport payment system must be quickness and high efficiency
The real-time connection of network for being similar to bank is withholdd.It is off-line operation, data platform since existing bus IC card is small amount consumption card
Be difficult the mobile card swiping terminal limitation IC card operation of control causes such card passenger cannot be to IC therefore, it is difficult to realize that IC card is reported the loss
Card supplements more cash with money to avoid risk, so passenger needs frequently to supplement IC card with money, and existing site of supplementing with money covers deficiency,
Fast, the convenient serious lag of the development in terms of public transport of going on a journey of being swiped the card using IC card, citizen passenger reflect more mainly IC
Card supplements inconvenience with money, but existing implementing measure cannot fundamentally solve the problems, such as to supplement with money it is inconvenient.
For this purpose, for problem above existing for off line IC card, the insufficient problem of site covering, many public transport enterprises are especially supplemented with money
Industry and businessman are trying every possible means to solve the problems, such as that the rapid and convenient of IC card supplements with money, and the realization charging in real time mode of use mainly has two
Kind:First, consumer buys top-up machines accomplishes charging in real time after Online Payment by the software mating with top-up machines, by
It is limited to buy top-up machines, increases disbursement and operation difficulty problem, this public transport way of payment is promoted very slow;Second is that
By mobile phone NFC function, mobile phone card and IC card are combined into one, realize 1 card 2 wallets, by after network payment to IC card
Supplemented with money, but be limited to mobile phone be equipped with NFC function problem, compatibling problem and it is complicated for operation the problems such as, such is in real time at present
It supplements with money and is not also promoted preferably.
But it is big in view of current IC card circulation, and applicability is preferable, is still the main product of following a period of time, how
Solve the problems, such as that the payment of off line card is supplemented with money, be still in current domestic public transport IC card supplement a technology difficulty for needing to solve with money
Topic.
【Invention content】
Present situation for the above-mentioned prior art, technical problem to be solved by the present invention lies in by transformation concept, first to multiplying
Visitor gives certification by bus, and the later stage by the automatic paying riding expense of platform, provides a kind of convenient and easily operated bus IC card
Network payment system and its method of payment, the recharge method require small amount consumption card management according to country, while in view of current
Domestic bus IC card use scope can only select tool feature of taking pubic transport, by means of current flourishing network payment and rapidly
The wireless networks such as the wired and wireless network of development, especially 4G;User swipes the card mainly realizes two functions by bus, first, first
Riding fee is paid to public transport company, second is that bus drivers or ticket collector have been paid the fees by acoustic image mode authentication determination passenger, it is accurate
Perhaps passenger rides;It by the change to currently paying theory, splits bus IC card and rides certification and payment function, realization passenger multiplies
Vehicle is neglected neither with network payment, and passenger users first give certification and get on the bus, and the later stage is automatic by public transport load value data processing platform again
Paying riding expense realizes that bus IC card is not necessarily to pay pre-payment to specified point, greatly improves the convenience of bus IC card, solve
Current bus IC card can only reach the drawbacks of specified artificial point is supplemented with money.
In order to achieve the above-mentioned object of the invention, the technical solution adopted by the present invention is:
Bus IC card network payment system, the network payment system include:
Certain amount of cash is paid by the network payment method of third party or four directions for IC card user, it is corresponding
The specified Internetbank account for receiving certain amount of cash is arranged in public transport company or bus IC card management company in Unionpay's system, specifies
Internetbank account receives the bus IC card card number and recharge amount information that IC card user is accompanied with when IC card user payment together;
Charging information for acknowledging receipt of IC card user correspond to public transport company or bus IC card management company setting
Public transport load value data processing platform, the public transport load value data processing platform are connected with the specified Internetbank account in Unionpay system;
It swipes the card bus IC card by bus for IC card user, which is divided into two wallets, and a wallet is public
Hand over the stored value card of IC card, one be public transport company or bus IC card management company public transport load value data processing platform correspond to it is public
Hand over the remaining sum account of IC card setting, the public transport load value data processing platform that recharge amount is included in the remaining sum account of bus IC card
Interior, the remaining sum account is used as after IC card user rides that the prepayment of expense is withholdd by bus;
The bus POS machine or website money machine that bus IC card is supplemented with money for IC card user, it is described public transport vehicle-mounted
POS machine or website money machine are connect with public transport load value data processing platform.
Preferably, the bus IC card is M1 cards, CPU card or the Payment Card to take public transport offline or payment work
Tool.
Preferably, between the public transport load value data processing platform and bus POS machine using wireless network connectivity or
It is connected to using movable storage device unloading.
Preferably, wireless network or cable network are used between the public transport load value data processing platform and website money machine
Connection is connected to using movable storage device unloading.
Preferably, the public transport load value data processing platform be additionally provided with public transport it is own or authorize wechat platform, webpage,
Or the ends app connection, convenient for IC card user inquire passenger needed for trip information, IC card inquiry into balance information, card Sorry, your ticket has not enough value
Prompt etc. increases consumer experience, strengthens public transport technicalization management, and it is horizontal to promote public traffic management.
Bus IC card method of network payment, includes the following steps:
A, IC card user registers bus IC card to public transport company or bus IC card management company, which is divided into two
A wallet, a wallet are the stored value cards of bus IC card, and one is that the public transport of public transport company or bus IC card management company is filled
Value Data processing platform corresponds to the remaining sum account of bus IC card setting, and the remaining sum account is used as after IC card user rides by bus
The prepayment of expense is withholdd;The bus IC card is divided into two kinds, and a kind of bus IC card is the amount of money that can reduce IC card stored value card, remaining
Volume reduces remaining sum account amount of money again after being zero, another bus IC card only reduces remaining sum account amount of money;
B, public transport company or bus IC card management company are arranged in Unionpay's system convenient for IC card user's network payment
Specified Internetbank account;
C, IC card user pays certain amount of cash to public transport public affairs by the network payment method of third party or four directions
The specified Internetbank account of department or bus IC card management company, IC card user are accompanied with the IC card numbers that need to be supplemented with money and fill when paying
It is worth the amount of money;
D, the public transport load value data processing platform of public transport company or bus IC card management company by with specified Internetbank account
Connection, acknowledges receipt of the charging information of IC card user and recharge amount will be included in the remaining sum account of bus IC card;
E, IC card user supplements the stored value card of bus IC card with money by bus POS machine or website money machine, and
Stored value card charging information is fed back in the remaining sum account of public transport load value data processing platform;
F, when IC card user is swiped the card by bus, the bus IC card type handled according to IC card user carries out the behaviour that withholds
Make;
G, IC card user remaining sum account surplus, you can swipe the card by bus, remove remaining sum when looking for recharge point trouble and swiping the card from
Insufficient worry.
Further, the occupation mode of the bus IC card is used using control mode in indefinite duration or limiting time section.
Further, the bus IC card can do handling of card loss using the IC card of real-name authentication, not be the IC of real-name authentication
Card can not handling of card loss.
Further, the public transport company or bus IC card management company are set with limiting time to the bus IC card
The amount of consumption or consumption number of times.
Further, further include public transport load value data processing platform after the step g according to bus POS machine or website
After the bus IC card brushing card data that money machine receives, public transport load value data processing platform carries out remaining sum account and reduces, freezes to owe
Expense IC card is restored to freeze IC card operation.
The beneficial effects of the invention are as follows:
(1), practical guarantee takes public transport convenient, removes to specified IC card recharge point and supplements worry with money, saves
Time;
(2), IC card can be reported the loss, and ensure the interests of passenger;
(3), the existing hardware system of charge by bus of public transport company can not do any change, it is only necessary to vehicle-mounted POS machine
Or website money machine increases radio network functions, to public transport load value data processing platform upgrading, you can play promotion system
The experience of system enhances using effect;
(4), system security reliability is high, and system external is by wireless network connection, and what is transmitted is coded signal, can
Greatly improve the reliability during use;
(5), there is stronger extended pattern, Citizen Card Item is all being carried out in current each city, wherein incidentally small amount consumption function, it should
Project can be extended, and solve resident or trade company's small change is worried;
(6), increase the sink money of public transport company, substantially mitigate enterprises of public transport's operating cost;
(7), remove existing public transport recharge point from and lack defect, supplement scheme with money and do not limited by when and where, facilitate civic same
When, enterprises of public transport's human cost is greatly decreased.
【Description of the drawings】
Fig. 1 is the charging system flow chart of the present invention;
Fig. 2 is the work flow diagram of the present invention;
【Specific implementation mode】
Below with reference to the accompanying drawings and in conjunction with the embodiments the present invention is described in detail.
Bus IC card network payment system, as depicted in figs. 1 and 2, which includes:For IC card user
Certain amount of cash, corresponding public transport company or bus IC card management are paid by the network payment method of third party or four directions
The specified Internetbank account for receiving certain amount of cash is arranged in company in Unionpay's system, and specified Internetbank account receives IC card together to be made
User is accompanied with the bus IC card card number and recharge amount information of IC card user when paying;For acknowledging receipt of IC card user
Charging information correspond to the public transport load value data processing platform of public transport company or the setting of bus IC card management company, the public transport fills
Value Data processing platform is connected with the specified Internetbank account in Unionpay system;It swipes the card public transport IC by bus for IC card user
Card, the bus IC card are divided into two wallets, and a wallet is the stored value card of bus IC card, and one is public transport company or public transport IC
The public transport load value data processing platform of card management company corresponds to the remaining sum account that bus IC card is arranged, at the public transport load value data
Recharge amount is included in the remaining sum account of bus IC card by platform, and the remaining sum account is used as after IC card user rides by bus
The prepayment of expense is withholdd;The bus POS machine or website money machine that bus IC card is supplemented with money for IC card user, the public affairs
Vehicle-mounted POS machine or website money machine is handed over to be connect with public transport load value data processing platform.
Wherein, bus IC card is M1 cards, CPU card or the offline electronic payment card or the means of payment to take public transport, public affairs
Hand over and use wireless network connectivity between load value data processing platform and bus POS machine, public transport load value data processing platform with
Wireless network connectivity is used between website money machine;The public transport load value data processing platform, which is additionally provided with, to be had by oneself or is authorized with public transport
Wechat platform, webpage or the ends app connection, convenient for IC card user inquire passenger needed for trip information, IC card inquiry into balance
Sorry, your ticket has not enough value the prompt etc. of information, card, increases consumer experience, strengthens public transport technicalization management, it is horizontal to promote public traffic management.
Bus IC card method of network payment, as shown in Fig. 2, including the following steps:
A, IC card user registers bus IC card to public transport company or bus IC card management company, which is divided into two
A wallet, a wallet are the stored value cards of bus IC card, and one is that the public transport of public transport company or bus IC card management company is filled
Value Data processing platform corresponds to the remaining sum account of bus IC card setting, and the remaining sum account is used as after IC card user rides by bus
The prepayment of expense is withholdd;The bus IC card is divided into two kinds, and a kind of bus IC card is the amount of money that can reduce IC card stored value card, remaining
Volume reduces remaining sum account amount of money again after being zero, another bus IC card only reduces remaining sum account amount of money;
B, public transport company or bus IC card management company are arranged in Unionpay's system convenient for IC card user's network payment
Specified Internetbank account;
C, IC card user pays certain amount of cash to public transport public affairs by the network payment method of third party or four directions
The specified Internetbank account of department or bus IC card management company, IC card user are accompanied with the IC card numbers that need to be supplemented with money and fill when paying
It is worth the amount of money;
D, the public transport load value data processing platform of public transport company or bus IC card management company by with specified Internetbank account
Connection, acknowledges receipt of the charging information of IC card user and recharge amount will be included in the remaining sum account of bus IC card;
E, IC card user supplements the stored value card of bus IC card with money by bus POS machine or website money machine, and
Stored value card charging information is fed back in the remaining sum account of public transport load value data processing platform;
F, when IC card user is swiped the card by bus, the bus IC card type handled according to IC card user carries out the behaviour that withholds
Make;
H, IC card user remaining sum account surplus, you can swipe the card by bus, remove remaining sum when looking for recharge point trouble and swiping the card from
Insufficient worry.
The bus IC card method of network payment, further includes following operating procedure, and the occupation mode of the bus IC card uses
Control mode uses in indefinite duration or limiting time section;The bus IC card can do handling of card loss using the IC card of real-name authentication,
The IC card for not doing real-name authentication can not handling of card loss;The public transport company or bus IC card management company set the bus IC card
Surely there are the amount of consumption or consumption number of times of limiting time.
The bus IC card method of network payment further includes public transport load value data processing platform after the step g according to public transport
After the bus IC card brushing card data that vehicle-mounted POS machine or website money machine receive, public transport load value data processing platform carries out remaining sum
Account reduces, freezes arrearage IC card or restore to freeze IC card operation.
By the bus IC card network payment system and its method of payment, ensure that IC card user takes public transport conscientiously
Tool it is convenient, remove to specified IC card recharge point and supplement worry with money, save the time, remove existing public transport recharge point from and lack defect, fill
Value scheme is not limited by when and where, and while facilitating citizen, enterprises of public transport's human cost is greatly decreased;Meanwhile convenient for existing
There is the hardware system of charge by bus of public transport company that can not do any change, it is only necessary to vehicle-mounted POS machine or website money machine
Increase radio network functions, to public transport load value data processing platform upgrading, you can play the experience of lifting system, enhancing makes
Use effect.
Embodiment described above is only presently preferred embodiments of the present invention, and but not intended to limit the scope of the present invention,
Equivalence changes made by all operating principles according to the present invention, should all be covered by protection scope of the present invention.
Claims (10)
1. bus IC card network payment system, which is characterized in that the network payment system includes:
Certain amount of cash, corresponding public transport are paid by the network payment method of third party or four directions for IC card user
The specified Internetbank account for receiving certain amount of cash is arranged in company or bus IC card management company in Unionpay's system, specifies Internetbank
Account receives the bus IC card card number and recharge amount information that IC card user is accompanied with when IC card user payment together;
Charging information for acknowledging receipt of IC card user corresponds to the public transport of public transport company or the setting of bus IC card management company
Load value data processing platform, the public transport load value data processing platform are connected with the specified Internetbank account in Unionpay system;
It swipes the card bus IC card by bus for IC card user, which is divided into two wallets, and a wallet is public transport IC
The stored value card of card, one is that the public transport load value data processing platform of public transport company or bus IC card management company corresponds to public transport IC
Blocking the remaining sum account of setting, recharge amount is included in the remaining sum account of bus IC card by the public transport load value data processing platform,
The remaining sum account is used as after IC card user rides that the prepayment of expense is withholdd by bus;Split bus IC card ride certification with payment
Function realizes that passenger neglects neither with network payment by bus, and passenger users first give certification and get on the bus, and the later stage supplements number with money by public transport again
According to the automatic paying riding expense of processing platform;
The bus POS machine or website money machine that bus IC card is supplemented with money for IC card user, the bus POS machine
Or website money machine is connect with public transport load value data processing platform.
2. bus IC card network payment system according to claim 1, which is characterized in that the bus IC card be M1 cards,
CPU card or the offline electronic payment card or the means of payment to take public transport.
3. bus IC card network payment system according to claim 1, which is characterized in that the public transport load value data processing
It is connected to using wireless network connectivity or using movable storage device unloading between platform and bus POS machine.
4. bus IC card network payment system according to claim 1, which is characterized in that the public transport load value data processing
It is connected to using wireless network or cable network between platform and website money machine or is connected to using movable storage device unloading.
5. bus IC card network payment system according to claim 1, which is characterized in that the public transport load value data processing
Platform is additionally provided with wechat platform, webpage or the ends app had by oneself or authorized with public transport and connect.
6. the bus IC card net of the bus IC card network payment system according to claim 1 to 5 any one claim
Network method of payment, which is characterized in that include the following steps:
A, IC card user registers bus IC card to public transport company or bus IC card management company, which is divided into two
Packet, a wallet are the stored value cards of bus IC card, and one is that number is supplemented in the public transport of public transport company or bus IC card management company with money
The remaining sum account of bus IC card setting is corresponded to according to processing platform, the remaining sum account is used as after IC card user rides expense by bus
Prepayment withhold;The bus IC card is divided into two kinds, and a kind of bus IC card is the amount of money that can reduce IC card stored value card, and remaining sum is
Remaining sum account amount of money is reduced after zero again, another bus IC card only reduces remaining sum account amount of money;Bus IC card is split to ride certification
With payment function, realize that passenger neglects neither with network payment by bus, passenger users first give certification and get on the bus, and the later stage passes through public transport again
The automatic paying riding expense of load value data processing platform;
B, public transport company or bus IC card management company are arranged in Unionpay's system convenient for the specified of IC card user's network payment
Internetbank account;
C, IC card user by the network payment method of third party or the four directions pay certain amount of cash to public transport company or
The specified Internetbank account of bus IC card management company, IC card user are accompanied with the IC card numbers that need to be supplemented with money and supplement gold with money when paying
Volume;
D, the public transport load value data processing platform of public transport company or bus IC card management company is with specified Internetbank account by being connected to,
It acknowledges receipt of the charging information of IC card user and recharge amount will be included in the remaining sum account of bus IC card;
E, IC card user supplements the stored value card of bus IC card with money by bus POS machine or website money machine, and will be electric
Sub- wallet charging information is fed back in the remaining sum account of public transport load value data processing platform;
F, when IC card user is swiped the card by bus, the bus IC card type handled according to IC card user carries out operation of withholing;
G, IC card user remaining sum account surplus, you can swipe the card by bus.
7. the bus IC card method of network payment of bus IC card network payment system according to claim 6, feature exist
In the occupation mode of the bus IC card is used using control mode in indefinite duration or limiting time section.
8. the bus IC card method of network payment of bus IC card network payment system according to claim 6, feature exist
In the bus IC card can do handling of card loss using the IC card of real-name authentication, and the IC card for not doing real-name authentication can not handling of card loss.
9. the bus IC card method of network payment of bus IC card network payment system according to claim 6, feature exist
The amount of consumption or the consumption of limiting time are set with to the bus IC card in, the public transport company or bus IC card management company
Number.
10. the bus IC card method of network payment of bus IC card network payment system according to claim 6, feature exist
In further including that public transport load value data processing platform is received according to bus POS machine or website money machine after the step g
After bus IC card brushing card data, public transport load value data processing platform carries out remaining sum account and reduces, freezes arrearage IC card or recovery
Freeze IC card operation.
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CN105631999A (en) * | 2016-01-19 | 2016-06-01 | 国网山东省电力公司烟台供电公司 | Information management system based on power line carrier communication |
CN106297065A (en) * | 2016-07-21 | 2017-01-04 | 大连梅泰诺信息技术有限公司 | A kind of public transport account loss report system based on mobile phone A PP |
CN107153959A (en) * | 2017-05-10 | 2017-09-12 | 安徽思帕德信息技术有限公司 | A kind of chip card management system and its management method |
CN107808287A (en) * | 2017-11-21 | 2018-03-16 | 艾体威尔电子技术(北京)有限公司 | A kind of aggregate payment system |
CN111652709A (en) * | 2020-05-20 | 2020-09-11 | 马上消费金融股份有限公司 | Payment splitting method and device |
CN112037416A (en) * | 2020-09-04 | 2020-12-04 | 海南海岛聚讯科技有限公司 | Bus payment method, system, bus charging equipment and storage medium |
CN112884971A (en) * | 2021-01-20 | 2021-06-01 | 指点生活科技(深圳)有限责任公司 | Public transport IC card service processing method |
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CA2608707A1 (en) * | 2005-05-16 | 2006-11-23 | Mastercard International Incorporated | Method and system for using contactless payment cards in a transit system |
CN101739771A (en) * | 2009-12-01 | 2010-06-16 | 孙伟 | One-card multi-transit service system and method for realizing same |
CN102117520A (en) * | 2009-12-31 | 2011-07-06 | 亿阳信通股份有限公司 | Integrated circuit (IC) card-based payment method, management device, server and mobile terminal |
CN102467796B (en) * | 2011-11-18 | 2014-08-27 | 陈飞 | Bus card recharging system based on identification |
CN103761649A (en) * | 2014-02-25 | 2014-04-30 | 唐川 | Network recharging system and method for IC card |
CN104200355A (en) * | 2014-08-21 | 2014-12-10 | 福建富士通信息软件有限公司 | Integrated circuit (IC) card loading method based on O2O mode |
CN205091831U (en) * | 2015-08-27 | 2016-03-16 | 余荣军 | Public transit IC -card network payment systems |
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