CN115545696A

CN115545696A - Payment method, server and mobile terminal

Info

Publication number: CN115545696A
Application number: CN202210396506.3A
Authority: CN
Inventors: 陈祥
Original assignee: Honor Device Co Ltd
Current assignee: Honor Device Co Ltd
Priority date: 2022-04-15
Filing date: 2022-04-15
Publication date: 2022-12-30
Anticipated expiration: 2042-04-15
Also published as: CN115545696B

Abstract

The embodiment of the application provides a payment method, a server and a mobile terminal, and relates to the technical field of communication. In the scheme, aiming at the scene that when a user starts to take a bus and finishes taking the bus, the mobile terminal is operated twice to finish one fee deduction operation, if the payment information when the user starts to take the bus and the payment information when the user finishes taking the bus are the payment information of two payment accounts registered by a certain user in the same application program, whether a single-time taking event occurs or not can be judged, and under the condition that the single-time taking event occurs, the single-time taking fee is deducted from any one payment account of the two payment accounts, so that abnormal conditions such as multiple times of fee deduction and the like are avoided, and the payment experience of the user is further improved.

Description

Payment method, server and mobile terminal

Technical Field

The present application relates to the field of communications technologies, and in particular, to a payment method, a server, and a mobile terminal.

Background

With the rapid development of scientific technology, when people take public transport means such as subways or buses for going out, users can use mobile payment modes such as two-dimensional codes to replace traditional solid bus cards.

Take the example of taking a subway out. When entering a subway station, a user can align the two-dimensional code to code scanning equipment of an entry gate so as to get in and take a bus; after reaching the terminal subway station, the user can aim at the two-dimensional code to the yard equipment of sweeping of gate of leaving the station to leave the terminal subway station. Then, the server calculates the riding cost according to the inbound information, the outbound information and the like of the user, and deducts the riding cost from the user account.

The mobile payment method is completed based on the same account registered in the same application program. However, in some cases, the two-dimensional codes used for inbound and outbound may belong to different accounts of an application, for example, account 1 of the application used when the user is inbound and account 2 of the application used when the user is outbound, but this may result in charging both accounts, which reduces the payment experience of the user.

Disclosure of Invention

The application provides a payment method, a server and a mobile terminal, and solves the technical problem that when a user takes a public transport means for traveling, if the user selects different accounts registered in the same application program when starting to take a bus and finishing taking the bus, both the accounts are charged.

In order to achieve the purpose, the technical scheme is as follows:

in a first aspect, an embodiment of the present application provides a payment method. The method comprises the following steps:

receiving first payment information and second payment information; the first payment information is obtained by scanning a first bus code corresponding to a first account through the gate machine entering the station, the second payment information is obtained by scanning a second bus code corresponding to a second account through the gate machine leaving the station, and the first account and the second account are two accounts registered in one payment application;

deducting single riding cost from the first account or the second account under the condition that the single riding event exists according to the first payment information and the second payment information; the single riding event means that a user completes a single journey from an initial riding station to a terminal riding station, and the single riding expense is used for paying the single journey.

In the embodiment of the application, for a scene that a user performs code scanning operation twice to complete one fee deduction operation when starting to take a bus and finishing taking the bus, if scanning information of starting to take the bus and payment information of scanning to take the bus correspond to two payment accounts registered in the same application program, whether a single-time taking event occurs is judged. And under the condition that the single riding event is determined to occur, deducting the riding fee of the single trip from any one of the two payment accounts, thereby avoiding abnormal conditions such as multiple deductions and the like and further improving the payment experience of the user.

In one possible implementation, determining that a single ride event exists according to the first payment information and the second payment information includes: determining a first set of information consisting of at least one information associated with the first payment information and a second set of information consisting of at least one information associated with the second payment information; and determining that a single riding event exists under the condition that the detection results of each type of information in the first information set and the second information set meet the preset conditions.

It should be understood that, since the payment information at the beginning of riding the car and the payment information at the end of riding the car are relatively single, by acquiring the first information set associated with the first payment information and the second information set associated with the second payment information, each type of information in the first information set and the second information set can be utilized to comprehensively reflect the real riding situation.

In one possible implementation, the first set of information includes: first user information indicating a user associated with a first account; the second set of information includes: second user information indicating a user associated with the second account. Correspondingly, the detection result of each type of information in the first information set and the second information set meets the preset condition, and the method comprises the following steps: the first user information and the second user information indicate the same user.

It should be understood that when the payment information at the start of riding a car and the payment information at the end of riding a car belong to the same real-name authenticated user, it can be determined that the user has completed a single trip from the start riding station to the end riding station.

In a possible implementation manner, the first information set further includes a first device identifier, where the first device identifier is used to indicate a mobile terminal that logs in to the first account; the second set of information further comprises a second device identification indicating the mobile terminal logged into the second account. Correspondingly, the detection result of each kind of information in the first information set and the second information set meets the preset condition, and the method further comprises the following steps: the first device identification and the second device identification indicate the same mobile terminal.

It should be understood that there may be a misjudgment of a riding event only based on the user information, and thus by judging whether the mobile terminals at the time of starting and ending riding are the same mobile terminal, the accuracy of determining a single riding event may be improved.

In one possible implementation manner, the first information set further includes a first type identifier, and the first type identifier is used for indicating a type of the riding card providing the first riding code; the second set of information also includes a second type identifier for indicating a type of ride card providing the second ride code. Correspondingly, the detection result of each type of information in the first information set and the second information set meets the preset condition, and the method further comprises the following steps: the first type identifier and the second type identifier indicate the same type of ride card.

It should be appreciated that there may be a ride event misjudgment based only on user information, and thus by determining whether the ride cards used when starting and ending a ride are of the same type, the accuracy of determining a single ride event may be improved.

In a possible implementation manner, the first information set further includes first time information, and the first time information is used for indicating the time for the entry gate machine to scan the first riding code; the second set of information also includes second time information indicating a time at which the outbound gate scans the second ride code. Correspondingly, the detection result of each type of information in the first information set and the second information set meets the preset condition, and the method further comprises the following steps: the time interval indicated by the first time information and the second time information is less than or equal to a preset interval.

It should be understood that there may be a misjudgment of a ride event only based on the user information, and thus, by determining whether the time interval between starting and ending the ride is less than or equal to the preset time interval, the accuracy of determining a single ride event may be improved.

In a possible implementation manner, the first information set further includes first station information, and the first station information is used for indicating an initial bus station; the second set of information also includes second station information, the second station information for indicating the terminal riding station. Correspondingly, the detection result of each kind of information in the first information set and the second information set meets the preset condition, and the method further comprises the following steps: the bus stations indicated by the first station information and the second station information are different bus stations.

It should be appreciated that there may be a ride event false positive based only on user information, and thus by determining whether the ride stations from which the ride started and ended are the same ride station, the accuracy of determining a single ride event may be improved.

In one possible implementation, the first information set further includes: the first discount information is used for indicating each riding discount item contained in the first account, and the first balance information is used for indicating the balance of the first account; the second set of information further includes: the second preferential information is used for indicating each riding preferential item contained in the second account, and the second balance information is used for indicating the balance of the second account.

Accordingly, deducting the single ride fee from the first account or the second account includes: determining a target payment strategy from a plurality of preset strategies according to the priority of each preset strategy in the plurality of preset strategies, first preferential information, second preferential information, first balance information, second balance information, first type identification, second type identification, first time information and second time information; and according to the target payment strategy, deducting the single riding fee from the first account or the second account which accords with the target payment strategy.

Wherein the plurality of preset policies comprise at least one of:

a payment strategy is set according to the preferential degree of the account;

a payment policy set according to a coupon deadline of the account;

a payment strategy is set according to the balance of the account;

a payment strategy is set according to the type of the riding card of the account;

a payment policy set according to a scanning order of the accounts.

It should be understood that, because a plurality of payment strategies are preset, according to the information contained in the first information set and the second information set, a payment strategy optimal for the user can be selected from the plurality of payment strategies, and the single riding fee is deducted from one account according to the payment strategy, so that the payment experience of the user is improved.

In one possible implementation, the method further includes: the method comprises the steps that when two times of riding events exist according to first payment information and second payment information, riding expenses of each riding event are deducted from a first account and a second account respectively; the two-time riding event refers to the fact that a user completes a single journey from an initial riding station to any station and completes a single journey from any station to a final riding station.

It should be appreciated that if two ride events occur, both accounts would need to be debited. For example, a single ride fee is deducted from each of the two accounts according to a preset top-deduction policy.

In one possible implementation manner, determining that there are two riding events according to the first payment information and the second payment information includes: determining a first set of information and a second set of information; and determining that there are two ride events if the first information set and the second information set satisfy condition 1 and at least one of condition 2, condition 3, and condition 4 is satisfied.

The condition 1 is that the first user information and the second user information indicate the same user;

condition 2 is that the first device identifier and the second device identifier indicate different mobile terminals;

the condition 3 is that the first type identification and the second type identification indicate different types of riding cards;

the condition 4 is that the first time information and the second time information indicate a time interval greater than a preset interval.

It should be understood that although the payment information when starting to take a car and the payment information when ending to take a car belong to the same real-name authenticated user, the mobile terminals when starting to take a car and when ending to take a car are different, different types of riding cards are used when starting to take a car and when ending to take a car, and/or the time detection when starting to take a car and ending to take a car is long, then two riding events may occur. In this case, a debit needs to be made to both accounts.

In one possible implementation, the method further includes: under the condition that the riding event does not exist according to the first payment information and the second payment information, the riding cost is not deducted from the first account and the second account; the absence of a riding event means that the starting riding station and the terminal riding station are the same riding station.

It should be understood that after a user enters a certain bus stop and leaves the bus stop, the user may not be traveling. In this case, there is no need to charge any account.

In a second aspect, an embodiment of the present application provides a payment method. The method comprises the following steps:

under the condition that a first bus card of a target payment application is in an activated state, receiving first request information sent by an entrance gate in an NFC signal form, and responding to the first request information to determine a first information set, wherein the first information set is composed of at least one piece of information associated with the first bus card;

under the condition that a second bus card of the target payment application is in an activated state, receiving second request information sent by an outbound gate in the form of an NFC signal, and determining a second information set in response to the second request information, wherein the second information set is composed of at least one piece of information associated with the second bus card;

deducting single riding cost from the first riding card or the second riding card under the condition that the single riding event exists according to the first information set and the second information set; the single riding event means that a user completes a single journey from an initial riding station to a terminal riding station, and the single riding expense is used for paying the single journey.

In the embodiment of the application, for a scenario that a user approaches an NFC device to complete one-time fee deduction operation when starting and ending a ride, if request information received by the mobile terminal when starting and ending the ride corresponds to two ride cards associated with the same application program, it is determined whether a single ride event occurs. And under the condition that the single riding event is determined to occur, deducting the riding cost of the single travel from any one of the two riding cards, thereby avoiding abnormal conditions such as multiple deductions and the like and further improving the payment experience of the user.

In one possible implementation manner, determining that the single ride event exists according to the first information set and the second information set includes: and determining that a single riding event exists under the condition that the detection results of each type of information in the first information set and the second information set meet the preset conditions.

In a possible implementation manner, if the first information set includes the first type identifier and the second information set includes the second type identifier, the detection result of each type of information in the first information set and the second information set meets the preset condition, which includes: the first type identifier and the second type identifier indicate the same type of ride card. The first type identification is used for indicating the type of the first bus card, and the second type identification is used for indicating the type of the second bus card.

It should be understood that when the ride cards used at the start of a ride and at the end of a ride are of the same type, e.g., both are metro cards, it can be determined that the user has completed a single trip from the start to the end of the ride in the same or the same type of vehicle.

In a possible implementation manner, if the first information set includes first time information and the second information set includes second time information, the detection result of each type of information in the first information set and the second information set meets a preset condition, which includes: the time interval indicated by the first time information and the second time information is less than or equal to a preset interval. The first time information is used for indicating the time for receiving the first request message, and the second time information is used for indicating the time for receiving the second request message.

It is to be understood that when the time interval between the start of the ride and the end of the ride is within the preset time, it may be determined that the user is riding the vehicle for the preset time to complete a single trip from the starting ride station to the ending ride station.

In a possible implementation manner, if the first information set includes first site information and the second information set includes second site information, the detection result of each type of information in the first information set and the second information set meets a preset condition, which includes: the bus stations indicated by the first station information and the second station information are different bus stations. The first station information is used for indicating the starting bus station, and the second station information is used for indicating the terminal bus station.

It should be understood that when the start bus station and the end bus station are different bus stations, it can be determined that the user has taken a bus.

In one possible implementation, the first information set further includes: the first preferential information is used for indicating each riding preferential item contained in the first riding card, and the first balance information is used for indicating the balance of the first riding card. The second set of information further includes: the second preferential information is used for indicating each riding preferential item contained in the second riding card, and the second balance information is used for indicating the balance of the second riding card.

Deducting the single ride fee from the first ride card or the second ride card, comprising:

and determining a target payment strategy from the multiple preset strategies according to the priority, the first preferential information, the second preferential information, the first balance information, the second balance information, the first type identification, the second type identification, the first time information and the second time information of each preset strategy in the multiple preset strategies. Deducting the single riding fee from the balance of the first riding card or the balance of the second riding card according to a target payment strategy; or deducting the single riding fee from the balance or the associated account of the target payment application according to the target payment strategy.

Wherein the plurality of preset policies comprise at least one of:

a payment strategy is set according to the preferential degree of the riding card;

a payment strategy set according to the coupon deadline of the bus card;

a payment strategy is set according to the balance of the riding card;

a payment strategy is set according to the type of the bus card;

and the payment strategy is set according to the sequence of the bus cards receiving the request messages.

It should be understood that, because a plurality of payment strategies are preset, according to the information contained in the first information set and the second information set, a payment strategy optimal for the user can be selected from the plurality of payment strategies, and the single riding fee is deducted from one riding card according to the payment strategy, so that the payment experience of the user is improved.

In one possible implementation, the method further includes: under the condition that two riding events exist according to the first information set and the second information set, respectively deducting riding cost of each riding event from the balance of the first riding card and the balance of the second riding card; alternatively, the cost of two ride events is deducted from the balance or associated account of the targeted payment application. The two-time riding event refers to the fact that a user completes a single journey from an initial riding station to any station and completes a single journey from any station to a final riding station.

It should be appreciated that if two ride events occur, both ride cards would need to be debited. For example, the single ride charge is deducted from the balance of each of the two ride cards according to a preset maximum deduction policy. As another example, when two ride cards do not have a balance, the cost of two ride events is deducted from the balance or associated account of the payment application bound to the two ride cards.

In one possible implementation manner, determining that there are two riding events according to the first information set and the second information set includes: determining that there are two ride events where the first set of information and the second set of information satisfy at least one of condition 1 and condition 2.

The condition 1 is that the first type identification and the second type identification indicate different types of bus cards;

the condition 2 is that the first time information and the second time information indicate a time interval greater than a preset interval.

It will be appreciated that two ride events may occur if different types of ride cards are used for the start and end of ride, and/or the time between start and end of ride is detected to be relatively long. In this case, the cost of two ride events is deducted.

In one possible implementation, the method further includes:

and in the case that it is determined that the ride event does not exist according to the first information set and the second information set, not deducting the ride cost from the first ride card and the second ride card. The absence of a riding event means that the starting riding station and the terminal riding station are the same riding station.

It will be appreciated that a user may not be riding a car if the user leaves a car station after entering the car station and leaves the car station. In this case, it is not necessary to charge any one of the cars with a fee.

In a third aspect, the present application provides a payment device comprising means/modules for performing the method of the first or second aspect described above. The apparatus may correspond to the method for performing the first or second aspect, and please refer to the description of the first or second aspect for the related description of the units/modules in the apparatus. For brevity, no further description is provided herein.

In a fourth aspect, there is provided a server comprising a processor coupled with a memory, the processor being configured to execute a computer program or instructions stored in the memory to cause the server to implement a payment method as in any one of the first aspect.

In a fifth aspect, there is provided a mobile terminal comprising a processor coupled with a memory, the processor being configured to execute a computer program or instructions stored in the memory to cause the mobile terminal to implement a payment method as in any one of the second aspects.

A sixth aspect provides a chip coupled with a memory, the chip being configured to read and execute a computer program stored in the memory to implement the payment method of any one of the first or second aspects.

In a seventh aspect, there is provided a computer readable storage medium storing a computer program which, when run on a server, causes the server to perform a payment method as in any one of the first aspects; alternatively, the computer program, when run on a mobile terminal, causes the mobile terminal to perform a payment method as in any one of the second aspects.

In an eighth aspect, there is provided a computer program product for causing a computer to perform a payment method as in any one of the first or second aspects when the computer program product is run on the computer.

It is to be understood that, for the beneficial effects of the third aspect to the eighth aspect, reference may be made to the description of the first aspect and the second aspect, and details are not described herein again.

Drawings

Fig. 1 is a schematic diagram of a communication system when a user rides a subway in a code scanning payment manner according to an embodiment of the present application;

fig. 2 is a schematic flow chart of a payment method for a user using a two-dimensional code to take a subway according to an embodiment of the present application;

fig. 3 is an operation diagram for triggering display of a two-dimensional code when the mobile terminal enters the station according to the embodiment of the present application;

fig. 4 is an operation diagram for triggering display of a two-dimensional code when the mobile terminal is outbound according to the embodiment of the present application;

fig. 5 is a schematic flowchart of a payment method performed by a payment platform server according to an embodiment of the present application;

fig. 6 is a flowchart illustrating a method for determining a first information set by a payment platform server according to an embodiment of the present application;

fig. 7 is a schematic diagram of a communication system when a user takes a subway in an NFC payment manner according to the embodiment of the present application;

fig. 8 is a schematic flowchart of a payment method when a user takes a subway using NFC according to an embodiment of the present disclosure;

fig. 9 is an operation schematic diagram of triggering and displaying an NFC riding card when an automobile enters and exits from a station according to an embodiment of the present application;

fig. 10 is a schematic structural diagram of a payment apparatus according to an embodiment of the present application;

fig. 11 is a schematic structural diagram of another payment apparatus provided in the embodiment of the present application;

fig. 12 is a schematic structural diagram of a server according to an embodiment of the present application;

fig. 13 is a schematic structural diagram of a mobile terminal according to an embodiment of the present application.

Detailed Description

In order to make the objects, technical solutions and advantages of the embodiments of the present application clearer, the technical solutions in the embodiments of the present application will be clearly and completely described below with reference to the drawings in the embodiments of the present application, and it is obvious that the described embodiments are some embodiments of the present application, but not all embodiments.

In the description of the present application, "/" indicates an OR meaning, for example, A/B may indicate A or B, unless otherwise indicated. In the description of the present application, "and/or" is only one kind of association relationship describing an association object, and means that there may be three kinds of relationships, for example, a and/or B, and may mean: a exists alone, A and B exist simultaneously, and B exists alone.

The terms "first" and "second," and the like, in the description and claims of this application are used for distinguishing between different objects or for distinguishing between different processes on the same object, and are not used to describe a particular order of objects. For example, the first type identifier, the second type identifier, and the like are used to distinguish different type identifiers, rather than describing a specific order of the type identifiers.

Reference throughout this specification to "one embodiment" or "some embodiments," or the like, means that a particular feature, structure, or characteristic described in connection with the embodiment is included in one or more embodiments of the present application. Thus, appearances of the phrases "in one embodiment," "in some embodiments," "in other embodiments," or the like, in various places throughout this specification are not necessarily all referring to the same embodiment, but rather mean "one or more but not all embodiments" unless specifically stated otherwise. The terms "comprising," "including," "having," and variations thereof mean "including, but not limited to," unless expressly specified otherwise.

Some nouns or terms referred to in the present application will be explained first.

The application multi-open means that one application program logs in on one electronic device by using a plurality of accounts, so that the accounts are used online or run in a background mode at the same time, namely, the accounts are not influenced by each other. For example, by opening the application a of a mobile phone, the major number of the application a and the minor number of the application a are simultaneously registered, so that the mobile phone is suitable for various special crowds such as e-commerce, weChat commerce, sales, game training and the like.

Near Field Communication (NFC) is a short-distance high-frequency wireless communication technology developed by combining a wireless interconnection technology on the basis of a non-contact radio frequency identification technology. The induction type card reader, the induction type card and the point-to-point communication module are integrated on the chip of the mobile terminal, so that the functions of mobile payment, electronic ticketing, entrance guard, mobile identity recognition, anti-counterfeiting and the like are realized.

Generally, NFC operating modes are classified into a passive mode and an active mode. In the passive mode, a power supply device needs to be provided for the NFC initiator device (also referred to as a master device), which uses the power of the power supply device to provide a radio frequency field and transmit data to the NFC target device (also referred to as a slave device). Since the slave device does not generate a radio frequency field, no power supply device is required. The slave device converts the radio frequency field generated by the master device into electric energy, supplies power to the circuits of the slave device to receive the data transmitted by the master device, and transmits the data of the slave device back to the master device at the same speed by using a load modulation (load modulation) technology. In the active mode, when the NFC initiator and the NFC target transmit data to each other, both the NFC initiator and the NFC target actively generate a radio frequency field, and therefore both require the power supply device to provide power for generating the radio frequency field.

It should be noted that the NFC payment method in the embodiment of the present application mainly relates to a passive mode. Specifically, the NFC device set on the gate corresponding to the public transportation means is an NFC initiator, and the mobile terminal carried by the user is an NFC target. And the NFC initiating device sends the site information, the address position information, the payment request message and the like to the mobile terminal in a radio frequency form, and then the mobile terminal completes mobile payment according to the information.

At present, in a scene of traveling by public transportation means such as a subway, when a user starts to take a bus and finishes taking the bus, the user may need to perform two operations on a mobile terminal carried with the user to complete one fee deduction operation. But this is done based on the same account being registered with the same application. However, in some cases, the payment methods used by the user when inbound and outbound may belong to different accounts registered with the same application. The following description will take the subway as an example using the common code scanning payment method and the NFC payment method, respectively.

In the first scenario, an application with a payment function of a mobile terminal supports multiple applications, for example, an account a1 and an account a2 of the application are simultaneously registered. When a user enters an initial bus taking station, the mobile terminal is triggered to display the subway card interface of the account a1, and then the two-dimensional code in the subway card interface of the account a1 is aligned to the code scanning equipment of the entrance gate. The gate machine of arriving at the station can open the gate after scanning the two-dimensional code to the yard equipment of sweeping of gate machine of arriving at the station to will sweep yard information transmission to server. After a user takes a subway, the user may trigger the account a1 to run in the background and trigger the interface for displaying the account a2 in the foreground, for example, the account a2 is used for receiving and sending express, purchasing movie tickets, watching videos or chatting. When the user leaves the terminal, the current interface is still the interface for account a2. If the user aligns the two-dimensional code in the subway card interface of the account a2 with the code scanning device of the outbound gate, the outbound gate opens the gate after the code scanning device of the outbound gate scans the two-dimensional code, and the code scanning information is sent to the server.

Because the two code scanning information received by the server correspond to two different accounts, the server can judge that the account a1 has no outbound information and the account a2 has no inbound information, and deduct fees for the account a1 and the account a2 according to the highest fee deduction upper limit respectively, so that the payment experience of the user is reduced.

In the second scenario, a plurality of riding cards are bound to an electronic wallet of the mobile terminal, and each riding card can carry out riding payment in an NFC payment mode. Generally, in the case that a user sets a certain bus card of a plurality of bus cards as a default bus card, when the user takes a subway, if the user brings the mobile terminal close to or into contact with an NFC device of a gate, the mobile terminal automatically deducts the fee of the default bus card in an activated state. However, in the case where the user does not set a default bus card for payment, before the user brings the mobile terminal close to or into contact with the NFC device of the gate, the user triggers the mobile terminal unlocking screen and selects one bus card from the plurality of bus cards so that the bus card is in an activated state. Then, the user brings the mobile terminal close to or into contact with the NFC device of the gate, thereby making a bus payment using the bus card in an activated state.

However, if the user forgets the bus card selected when entering the station when leaving the station, the bus card selected by the user when entering the station and the bus card selected when leaving the station may be different. Therefore, the mobile terminal can deduct the fee of both the two bus cards according to the highest fee deduction upper limit, so that the payment experience of a user is reduced; or before the user leaves the station, the mobile terminal prompts the user to switch the currently selected bus card to the bus card selected when the user enters the station, so that the user operation is complicated.

Therefore, for the scene that the user needs to carry out two operations on the mobile terminal to complete one fee deduction operation when starting to take a bus and ending to take the bus, if the account or the card selected by the user when starting to take the bus and ending to take the bus are different, two fee deductions can be caused, and therefore the payment experience of the user is reduced. In view of the foregoing problems, an embodiment of the present application provides a payment method: if the payment information when the user starts to ride the bus and the payment information when the user finishes riding the bus are the payment information of two payment accounts registered by the user in the same application program, whether a single riding event occurs or not can be judged. When a single-ride event occurs, the single-ride cost is calculated according to the number of stations, riding time, riding mileage and the like of riding. Then, single riding fee is deducted from any one of the two payment accounts, so that abnormal conditions such as multiple fee deductions are avoided, and the payment experience of the user is improved.

The mobile terminal may be a mobile terminal device having a wireless communication function, such as a mobile phone, a wearable device, a tablet computer, a notebook computer, or a Personal Digital Assistant (PDA). Wherein, wearable equipment can be intelligent wrist-watch, intelligent bracelet or intelligent glasses etc.. The method can be determined according to actual use requirements, and the embodiment of the application is not limited.

Specific payment methods of the code scanning payment method and the NFC payment method will be exemplarily described below through the following first embodiment and second embodiment, taking the mobile terminal as a mobile phone and the travel method as an example. It should be noted that the payment method provided by the embodiment of the application is not only suitable for subways, but also suitable for light rail electric vehicles, guide rail electric vehicles, inter-city express buses, buses and other transportation vehicles which need two operations to finish one-time fee deduction operation, wherein two code scanning devices are arranged at the getting-on position and the getting-off position. In addition, the inbound gate and the outbound gate are the same gate device or different gate devices.

Example one

Fig. 1 shows a schematic diagram of a communication system when a user rides a subway in a code scanning payment manner.

As shown in fig. 1, the communication system includes: the system comprises a mobile phone 01 carried by a user, an entry gate 02 arranged at an entrance of an initial bus station, a subway 03 taken by the user, an exit gate 04 arranged at an exit of a terminal bus station, a subway system server 05 used for taking charge of subway operation, and a payment platform server 06. The inbound gate 02 comprises a code scanning device 021, the outbound gate 04 comprises a code scanning device 041, and the code scanning device 021 and the code scanning device 041 are used for scanning two-dimensional codes, bar codes or other bus payment codes.

The application program a of the mobile phone 01 supports multiple applications, for example, simultaneously logging in the account a1 and the account a2 of the payment application a, so that the mobile phone 01 can be used for displaying the two-dimensional code of the account a1 and the two-dimensional code of the account a2. For example, when the user enters the initial boarding station, the mobile phone 01 displays the two-dimensional code interface of the account a1, so that the user aligns the two-dimensional code interface of the account a1 with the code scanning device 021 of the entry gate 02 to realize entry. For another example, when the user leaves the terminal station, the mobile phone 01 displays the two-dimensional code interface of the account a2, so that the user aligns the two-dimensional code interface of the account a2 with the code scanning device 041 of the outbound gate 04 to realize outbound.

The gate 02 is disposed at an entrance of a subway station (e.g., an initial bus station of a user), and is configured to scan two-dimensional codes from different accounts through the code scanning device 021, and send scanned payment information to the subway system server 05, for example, send information of the account a1 to the subway system server 05. In addition, the inbound gate 02 may also be configured to control the gate to open when the payment information is successfully verified, so that the user can get in by the bus.

The subway 03 is configured to travel along a preset route under the control of the subway system server 05, and the stations of the preset route include a starting bus station of a user and an ending bus station of the user. The subway 03 can also be used for playing the information of arriving at the station, the information of a terminal station and the like according to the driving progress.

The outbound gate 04 is disposed at an outbound port of a subway station (e.g., a terminal bus station of a user), and is configured to scan two-dimensional codes from different accounts through the code scanning device 041, and send the scanned payment information to the subway system server 05, for example, send the information of the account a2 to the subway system server 05. In addition, the outbound gate 04 can also be used for controlling the gate to open under the condition that the payment information is successfully verified, so that the user can smoothly exit.

The subway system server 05 is used as a control center of the whole subway system and is in communication connection with the entrance gate 02, the exit gate 04, the subway 03 and the like. On the one hand, the subway system server 05 can be used for receiving the running information such as the running speed and the running position sent by the subway, sending the scheduling information to the subway, and broadcasting the subway arrival information to the passengers. On the other hand, the subway system server 05 may be configured to receive the payment information sent by the inbound gate 02 and the outbound gate 04 and send the payment information to the payment platform server 06, for example, send the payment information of the account a1 and the payment information of the account a2 to the payment platform server 06.

The payment platform server 06 is a backend server for third party applications that cooperate with the subway system. For example, the payment platform server 06 is a backend server of the payment application a used by the user. The payment platform server 06 is configured to receive the payment information of the account a1 and the payment information of the account a2 forwarded by the subway system server 05, and deduct a fee according to the payment information of the account a1 and the payment information of the account a2. For example, the payment platform server 06 may detect whether account a1 and account a2 belong to the same user; and further judging whether a single riding event occurs under the condition of belonging to the same user; then, when it is determined that the user has made a single-ride event, the single-ride charge is calculated from the number of stations, riding time, riding mileage, and the like of the ride, and the fee is deducted from the account a1 or the account a2 according to the riding charge, and the fee deduction information is transmitted to the mobile phone 01.

The user of the embodiment of the application may also be referred to as a passenger, and the account of the payment application may also be referred to as an account number.

It should be noted that, in the embodiment of the present application, the inbound gate 02 and the outbound gate 04 forward the payment information of the account to the payment platform server 06 through the subway system server 05 is taken as an example for description. It is understood that in actual implementation, the inbound gate 02 and the outbound gate 04 may also send account information directly to the payment platform server 06.

In addition, the embodiment of the present application is exemplified by taking the subway system server 05 and the payment platform server 06 as two independent servers. It is understood that, in practical implementation, the subway system server 05 and the payment platform server 06 may be the same server. For example, the control function and the fare deduction function of the subway system are integrated into the subway system server 05, and an application program specially designed for the subway system is provided for a user. Therefore, when the user uses the application program to scan the codes on the mobile phone, the subway system server 05 can directly deduct the fee from the account of the user.

Fig. 2 is a schematic flow chart of a payment method when a user uses a two-dimensional code to take a subway according to the embodiment of the present application. The method can be applied to any public transport means which needs to use a mobile phone to carry out code scanning operation twice when a user starts to take a bus and finishes taking the bus so as to finish one fee deduction operation. It should be noted that the code scanning device for scanning the two-dimensional code may be disposed on a public transportation vehicle, or may be disposed separately from the public transportation vehicle, and the embodiment of the present application is not limited.

Taking the communication system shown in fig. 1 as an example, as shown in fig. 2, the method may include the following steps S201 to S214.

S201, the mobile phone 01 responds to the trigger operation of the user on the account a1 of the payment application A, and displays the two-dimensional code corresponding to the account a1.

The payment application a is an application program supporting electronic payment or mobile payment. For example, payment application a may be a payment application provided by a third party payment platform; it may also be a native payment application provided by the handset 01, such as an electronic wallet or mobile wallet.

Take payment application a as an example of a payment application provided by a third party payment platform. When the payment application a is used for the first time, a user needs to register an account a1 in the payment application a, set an Identity (ID), a head portrait and a nickname for the account a1, perform real-name authentication of the user identity by using certificates such as an identity card, a passport or a driver's license, and bind a bank card and the like for payment for the account. In this way, when the user subsequently uses the payment application a, if the account is the default login account, the user does not need to log in, and directly uses the account a1 to perform various operations, such as taking a bus, collecting and paying money, transferring money, charging, paying, receiving and dispatching express, taking a taxi, managing money, and the like. Further, since one user may register a plurality of accounts, for example, the account a1 and the account a2, at the payment application a, the application multi-open function may be employed so that a plurality of accounts are simultaneously on line.

Illustratively, assume that payment application a has two accounts: an account a1 corresponding to the application icon 21 as shown in fig. 3 (a) or fig. 4 (a), and an account a2 corresponding to the application icon 24. When the user comes to the location of the inbound gate 02 of the starting bus station with the mobile phone 01, the user may click on the application icon 21 shown in (a) of fig. 3, so that the mobile phone 01 displays the home interface corresponding to the account a1 shown in (b) of fig. 3. The user then clicks the "travel" control 22 in the home interface and selects a ride card. The mobile phone generates a two-dimensional code according to the riding card, and displays a travel interface 23 as shown in fig. 3 (c), wherein the travel interface 23 includes the two-dimensional code. Thus, the user can direct the two-dimensional code toward the code scanning device 021 of the entry gate 02, so that the code scanning device 021 can scan and identify the two-dimensional code.

S202, the entrance gate 02 scans the two-dimensional code corresponding to the account a1 to obtain first payment information. Wherein the first payment information is used to indicate the account a1.

The first payment information includes at least an account ID of the account a1. The account ID of account a1 is used to identify account a1. It should be understood that individual accounts may be distinguished based on account ID.

The first payment information may further include at least one of:

(1) A first device identification. The first device identification may be used to identify the handset 01.

For example, the first device identifier may be a media access control address (MAC), a Mobile Equipment Identifier (MEID), an International Mobile Subscriber Identifier (IMSI), and/or an International Mobile Equipment Identifier (IMEI). It should be understood that individual handsets may be distinguished based on their device identification.

It should be noted that, in the above embodiments, the device identifier of the mobile phone carried by the two-dimensional code is taken as an example for explanation, which does not limit the embodiments of the present application. The embodiment of the application also provides another implementation mode: under the condition that the payment platform server stores the equipment identification of the mobile terminal logged in when each account is used, the two-dimensional code only needs to carry the account ID but does not need to carry the equipment identification, so that the payment platform server can determine the equipment identification of the mobile terminal logged in when each account is used according to the account ID.

(2) A first type of identification. The first type identifier may be used to indicate a type of ride card associated with account a1.

Alternatively, one account may be associated with multiple ride cards of multiple types, such as bus cards and subway cards.

Further, for each ride card of a ride type, one account may be associated with multiple classification cards, such as city 1 subway card, city 2 subway card, city 3 subway card, and so on.

When a user selects a certain bus card, the type identifier of the bus card is coded in the two-dimensional code, so that the station gate 02 can decode from the two-dimensional code interface to obtain the type identifier, and whether the bus card selected by the user is of the subway type is determined according to the type identifier. For example, if the user selects the riding card x associated with the account a1, and the type identifier of the riding card x is used to indicate a bus card, the inbound gate 02 determines that the type identifier does not belong to a subway type, so that a gate is not opened, and the first payment information is not forwarded to the payment platform server 06 through the subway system server 05.

(3) First time information. The first time information is used for indicating the arrival time of the user.

For example, when the mobile phone 01 generates a two-dimensional code in response to a trigger operation of the user on the account a1, the mobile phone 01 may encode the current system time of the mobile phone 01 into the two-dimensional code. If the entry gate 02 forwards the entry time information to the payment platform server 06 through the subway system server 05, the payment platform server 06 can determine the entry time of the user and calculate the riding cost according to the entry time.

In the above embodiment, the system time of the mobile phone is taken as the inbound time of the user as an example. The embodiment of the application also provides another implementation mode, and the time of scanning or decoding the two-dimensional code is taken as the arrival time of the user by the arrival gate. It should be understood that since there is a certain time delay from the time when the mobile phone generates the two-dimensional code to the time when the gate enters the station to decode the two-dimensional code, the time when the gate enters the station to decode the two-dimensional code is taken as the time of entering the station more accurately.

(4) First user information. The first user information is used to indicate a real-name authenticated user associated with the account a1.

For example, the user information may be a document number of a document such as an identification card, passport, or driver's license, or other information that may be used to identify the user. It should be appreciated that since these credential numbers are unique, it can be determined from these credential numbers whether different accounts belong to the same real-name authenticated user.

It should be noted that, in the above embodiments, the two-dimensional code is taken as an example to carry user information, and the embodiments of the present application are not limited thereto. The embodiment of the application further provides another implementation manner, and under the condition that the payment platform server stores the user information corresponding to each account, the two-dimensional code only needs to carry the account ID, but does not need to carry the user information corresponding to the account ID, so that the payment platform server determines the user information corresponding to the account ID according to the account ID.

(5) The first offer information. The first offer information is used for indicating various riding offers contained in the account a1, such as year cards, quarter cards, month cards, week cards, coupons, red packs and the like.

It should be noted that, in the above embodiments, the coupon information of the account is carried by the two-dimensional code as an example, which does not limit the embodiments of the present application. The embodiment of the application further provides another implementation manner, and under the condition that the payment platform server stores the discount information corresponding to each account, the two-dimensional code only needs to carry the account ID, but does not need to carry the discount information corresponding to the account ID, so that the payment platform server determines the discount information corresponding to the account ID according to the account ID.

(6) First balance information indicating a balance of the account a1.

In one implementation, in the case that the first payment information includes at least the account ID of the account a1, the inbound gate 02 may forward the first payment information to the payment platform server 06 directly through the subway system server 05. In another implementation manner, in the case that the first payment information at least includes the account ID of the account a1 and the first type identifier, the entry gate 02 may first determine whether the riding type indicated by the first type identifier is a subway type, and then forward the first payment information to the payment platform server 06 in the case that the riding type indicated by the first type identifier is a subway type.

The following description will be given taking an example in which the first payment information includes at least the account ID and the first type identifier of the account a1.

S203, the station entry gate 02 judges whether the riding type indicated by the first type identification is a subway type. If the type of the ride indicated by the first type identifier is a subway type, executing the following steps S204 and S205; otherwise, the following S206 is performed.

S204, the gate is opened by the gate machine 02.

After the gate is opened by the station entry gate 02, the user can carry the mobile phone 01 to enter the initial bus taking station.

And S205, the entrance gate 02 forwards the first payment information to the payment platform server 06 through the subway system server 05.

Accordingly, the payment platform server 06 receives and stores the first payment information.

Optionally, since the entry gate 02 is disposed at the initial bus station, the first payment information forwarded by the entry gate 02 to the payment platform server 06 may further include: and starting station information, wherein the starting station information is used for indicating a starting bus station.

It should be noted that, in the embodiment of the present application, the execution order of S204 and S205 is not limited, for example, the two are executed simultaneously.

S206, the station gate 02 sends prompt information to the mobile phone 01. The prompt message is used for prompting the user to change the bus card.

Exemplarily, it is assumed that the first payment information comprises a first device identification. Under the condition that the entry gate 02 detects that the bus taking type indicated by the first type identifier is not the subway type, the entry gate 02 sends prompt information to the mobile phone 01 through the subway system server 05, the operator server and the like according to the first equipment identifier so as to prompt a user to replace the bus taking card.

And S207, the mobile phone 01 responds to the trigger operation of the user on the account a2 of the payment application A, and displays the two-dimensional code corresponding to the account a2.

Illustratively, after taking a subway, the user may trigger the account a1 to run in the background and click on the application icon 24 as shown in (a) of fig. 4 to trigger the cell phone 01 to display the home interface corresponding to the account a2 in the foreground as shown in (b) of fig. 4. The user may charge, collect, pay a credit card, purchase a financial product, or any other possible operation in the home interface. When the user arrives at the position of the outbound gate 04 of the terminal bus station, the user can click the "trip" control 25 in the home page interface and then select a bus card. The mobile phone generates a two-dimensional code according to the riding card, and displays a travel interface 26 as shown in (c) of fig. 4, where the travel interface 26 includes the two-dimensional code. In this manner, the user may direct the two-dimensional code toward code-scanning device 041 of outbound gate 04 so that code-scanning device 041 may scan and identify the two-dimensional code.

The two-dimensional code shown in fig. 3 (c) is different from the two-dimensional code shown in fig. 4 (c). Wherein, the two-dimensional code as shown in (c) of fig. 3 is generated according to the information of the account a1, and the two-dimensional code is used for entering a station; the two-dimensional code as shown in (c) of fig. 4 is generated from the information of the account a2, and is used for outbound.

And S208, the outbound gate 04 scans the two-dimensional code corresponding to the account a2 to obtain second payment information. Wherein the second payment information is used to indicate the account a2.

Optionally, the second payment information may include an account ID of the account a2. The account ID of account a2 is used to identify account a2. It should be understood that individual accounts may be distinguished based on account ID.

Further, the second payment information may further include at least one of:

(1) A second device identification. The second device identification may be used to identify the handset 01.

(2) And a second type identifier. The second type identifier may be used to indicate the type of a ride card associated with account a2.

(3) Second time information. The second time information may be used to indicate the user's outbound time.

(4) Second user information. This second user information may be used to indicate that the real-name authenticated user associated with account a2.

(5) And the second preferential information. The second offer information may be used to indicate each ride offer contained in account a2.

(6) Second balance information indicating the balance of account a2.

For the description of each piece of information included in the second payment information, reference may be made to the description of each piece of information included in the first payment information in the foregoing embodiment, and details are not described here again.

It should be noted that the plurality of information included in the first payment information and the second payment information may be divided into a plurality of categories. For example, the first device identifier and the second device identifier belong to a category, the first type identifier and the second type identifier belong to a category, and the first time information and the second time information belong to a category.

In one implementation, in a case that the second payment information at least includes the account ID of the account a2, the outbound gate 04 may forward the second payment information to the payment platform server 06 directly through the subway system server 05. In another implementation manner, under the condition that the second payment information at least includes the account ID of the account a2 and the second type identifier, the outbound gate 04 may first determine whether the bus type indicated by the second type identifier is a subway type, and then forward the second payment information to the payment platform server 06 under the condition that the bus type indicated by the second type identifier is a subway type.

The following description will take as an example that the second payment information includes at least the account ID of the account a2 and the second type identifier.

S209, the outbound gate 04 judges whether the riding type indicated by the second type identifier is a subway type. If the type of the ride indicated by the second type identifier is a subway type, executing the following steps S210 and S211; otherwise, the following S212 is performed.

S210, the exit gate 04 opens the gate.

After the gate is opened by the outbound gate 04, the user can leave the terminal station with the mobile phone 01.

S211, the outbound gate 04 forwards the second payment information to the payment platform server 06 through the subway system server 05.

Accordingly, the payment platform server 06 receives and stores the second payment information.

Optionally, since the inbound gate 02 is disposed at the initial boarding station, the second payment information forwarded by the outbound gate 04 to the payment platform server 06 may further include: terminal station information for indicating a terminal riding station of a user.

S212, the outbound gate 04 sends prompt information to the mobile phone 01. The prompt message is used for prompting the user to replace the bus card.

Exemplarily, it is assumed that the second payment information comprises a second device identification. When the outbound gate 04 detects that the bus type indicated by the second type identifier is not a subway type, the outbound gate 04 sends prompt information to the mobile phone 01 through the subway system server 05, the operator server and the like according to the second device identifier so as to prompt the user to replace the bus card.

S213, the payment platform server 06 judges whether a single riding event exists according to the first payment information and the second payment information.

Compared with the traditional payment mode, the method for deducting the fees of the account a1 and the account a2 is different according to the highest fee deduction upper limit, and the embodiment of the application judges the first payment information and the second payment information and judges whether a single riding event exists. If there is a single ride event, the following S214 is performed. And if the two riding events exist, deducting the fee of both accounts. And if the riding event does not exist, not deducting.

It should be noted that the single-ride event is also referred to as a single-ride fact, and means that a user completes a trip from an initial ride station to a final ride station within a preset time period by riding a certain type of vehicle. The preset duration is the maximum duration calculated according to the distance from the starting bus station to the terminal bus station. Taking a subway as an example, the maximum duration includes a maximum waiting duration at an initial bus station, a maximum bus duration from the initial bus station to an end bus station, a maximum duration from an inbound gate to a boarding of the subway, and/or a maximum duration from an outbound gate to an outbound gate, etc.

The absence of a riding event, also referred to as an absence of a riding event or a non-riding event, means that the user does not ride a public transportation. Specifically, in the present application, the absence of a riding event means that the starting riding station and the ending riding station are the same station, or the inbound gate and the outbound gate are located at the same station.

And S214, the payment platform server 06 deducts the single ride fee from the account a1 or the account a2 according to the target payment strategy.

The single ride fee is the ride fee to be paid to complete the single ride event. It should be appreciated that the single ride cost is less than or equal to the maximum upper deductive limit, which is the maximum cost that needs to be paid to complete any one ride event.

After the payment platform server 06 deducts the single-time riding fee from the account a1 or the account a2 according to the target payment policy, the payment platform server 06 transfers the single-time riding fee to the account number of the subway system server 05, and notifies the subway system server 05. In addition, the payment platform server 06 also sends fee deduction information to the mobile phone 01, so that the user can timely know the fee deducted from the bus.

The embodiment of the application provides a payment method for a user to take a subway by using a two-dimensional code, wherein if payment information of the user to start taking the subway and payment information of the user to finish taking the subway are payment information of two payment accounts registered by the user in the same application program, whether a single riding event occurs or not is judged, and single riding cost is deducted from any one payment account of the two payment accounts under the condition that the single riding event occurs, so that payment experience of the user is improved.

Fig. 2 is a payment flow of a user when the user rides a subway using a two-dimensional code, which is described from the perspective of interaction of multiple devices. The payment flow of a single payment account will be described in detail below from the perspective of the payment platform server.

Fig. 5 is a schematic flowchart of a payment method performed by a payment platform server according to an embodiment of the present application. The execution subject of the method is a payment platform server or a chip in the payment platform server. As shown in fig. 5, the method may include S501-S510 described below.

S501, the payment platform server 06 receives the first payment information from the gate 02. The first payment information is the bus taking payment information of the real-name authenticated user A.

The first payment information includes at least an account ID of the account a1. Of course, the first payment information may also include other information. Reference may be made to the description of embodiment S202 above, which is not repeated here.

For example, if the first payment information includes the account ID of the account a1 and does not include the user information, the first real-name authenticated user a is determined based on the first user information when the first user information corresponding to the account a1 is stored in the database of the payment platform server. Wherein the first user information may be used to indicate that the real-name authenticated user A associated with the account a1.

For another example, if the second payment information includes the account ID of the account a1 and the first user information, and the first user information is used to indicate that the user a is authenticated by the real name associated with the account a1, the payment platform server determines that the user a is authenticated by the real name.

S502, the payment platform server 06 determines a first information set according to the first payment information. The first information set is used for judging whether the first information set is a single-time riding event of the user A.

Optionally, the first set of information comprises at least: the account ID of the account a1 and the first user information. The account ID of the account a1 is used to identify the account a1, and the first user information may be used to indicate a real-name authenticated user a associated with the account a1.

Further, the first set of information may also include at least one of:

the first device identifier may be used to identify the mobile phone 01 that logs in to the account a1;

a first type identifier, which may be used to indicate the type of a ride card associated with account a1;

first time information which can be used for indicating the arrival time of the real-name authenticated user A;

first offer information, which can be used for indicating each riding offer contained in the account a1;

the first station information can be used for indicating an initial bus station of a real-name authentication user A;

first balance information indicating a balance of the account a1.

The following describes a method for determining the first information set by the payment platform server 06, with reference to fig. 6, by taking the example that the first payment information includes the account ID of the account a1 and does not include the user information:

(1) and determining first user information according to the account ID of the account a1, and adding the first user information to the first information set.

(2) And judging whether the first payment information comprises the equipment identification. If the first payment information includes a first device identification, the first device identification is added to the first information set. If the first payment information does not include the device identifier, the first device identifier corresponding to the account ID of the account a1 is searched for in the database of the payment platform server 06, and the first device identifier is added to the first information set.

(3) And judging whether the first payment information comprises a type identifier or not. If the first payment information includes a first type identification, the first type identification is added to the first information set. If the first payment information does not include the type identifier, the first type identifier corresponding to the account ID of the account a1 is searched for in the database of the payment platform server 06, and the first type identifier is added to the first information set.

(4) It is determined whether the first payment information includes time information. If the first payment information includes first time information, adding the first time information to the first information set. If the first payment information does not include the time information, the first time information corresponding to the account ID of the account a1 is searched for in the database of the payment platform server 06, and the first time information is added to the first information set.

(5) And judging whether the first payment information comprises the preferential information or not. If the first payment information includes first offer information, adding the first payment information to the first information set. If the first payment information does not include the benefit information, the first benefit information corresponding to the account ID of the account a1 is searched for in the database of the payment platform server 06, and the first payment information is added to the first information set.

(6) And judging whether the first payment information comprises balance information. If the first payment information includes first balance information, adding the first balance information to the first information set. If the first payment information does not include balance information, the first balance information corresponding to the account ID of the account a1 is searched for in the database of the payment platform server 06, and the first balance information is added to the first information set.

(7) And judging whether the first payment information comprises site information. If the first payment information includes first site information, adding the first site information to the first information set.

In the embodiment of the present application, the execution sequence of (2) to (7) is not limited, and may be adjusted according to actual use requirements.

After the payment platform server 06 determines the first set of information from the first payment information, the payment platform server 06 may detect whether further payment information associated with the real-name authenticated user a is received. In some cases, such as when the mobile phone is powered off, code scanning fails, the network is in a bad condition, or other reasons, the mobile phone may not be able to send payment information to the payment platform server 06 in time, or the payment platform server 06 may not be able to obtain payment information of the user when the user is out of the station in time. Therefore, if the payment platform server 06 detects for a long time whether other payment information associated with the real-name authenticated user a is received, it may result in higher power consumption. In order to solve the technical problem, an embodiment of the present application provides another implementation manner: after the payment platform server 06 determines the first information set according to the first payment information, it is detected whether other payment information associated with the real-name authenticated user a is received within a preset time, that is, the following S503 is performed.

S503, the payment platform server 06 starts a timer and detects whether other payment information associated with the real-name authenticated user A is received from the outbound gate within a first preset time period; and ending the timing and stopping the detection until the timing duration reaches the first preset duration.

If the second payment information associated with the real-name authenticated user A from the outbound gate 04 is received within the first preset time length, timing is ended in advance, detection is stopped, and the following S504 is executed; otherwise, S503 is continuously executed for the first preset time period.

Wherein the second payment information includes at least an account ID of the account a2. It should be understood that the second payment information may also include other information, which may refer to the description of the above embodiment S208 and is not described herein again.

For example, if the second payment information includes the account ID of the account a2 and does not include the user information, it is determined that the payment information associated with the real-name authenticated user a is received based on the second user information when the second user information corresponding to the account ID of the account a2 is stored in the database of the payment platform server. Wherein the second user information may be used to indicate that the real-name authenticated user a associated with the account a2.

For another example, if the second payment information includes the account ID of the account a2 and the second user information, and the second user information is used to indicate the real-name authenticated user a associated with the account a2, it is determined that the payment information associated with the real-name authenticated user a is received.

Optionally, the first preset time period may be a maximum riding time period calculated according to a distance between two farthest subway stations in all subway stations of the subway system; the maximum riding time can also be calculated according to the distance between the initial riding station and the subway station farthest from the initial riding station. Wherein the starting bus station can be determined according to the starting station information included in the first payment information.

S504, the payment platform server 06 determines a second information set according to the second payment information. The second information set is used for judging whether the second information set is a single-time riding event of the user A.

Optionally, the second set of information comprises at least: the account ID of the account a2 and the second user information. Wherein the account ID is used to identify the account a2, and the second user information may be used to indicate that the real-name authenticated user a associated with the account a2.

Further, the second set of information may also include at least one of:

the second device identifier may be used to identify the mobile phone 01 that logs in to the account a2;

a second type identifier, which may be used to indicate a ride card associated with account a2;

second time information which can be used for indicating the outbound time of the real-name authenticated user A;

second offer information, which can be used for indicating each riding offer item contained in the account a2;

second site information, wherein the second site information can be used for indicating a terminal bus station of a real-name authentication user A;

second balance information indicating the balance of account a2.

As for the method for determining the second information set, the method for determining the first information set may refer to the above S502, and details are not repeated here.

And S505, the payment platform server 06 judges whether a single riding event exists according to the first information set and the second information set. If the single-time riding event exists, executing the following S506 and S507; if the two riding events exist, executing the following S508; if there is no riding event, the following S509 is executed.

The payment platform server 06 may first obtain the detection result of each type of information in the first information set and the second information set; and determining whether the detection result of each type of information meets the condition of a single riding event. And under the condition that the detection result of each type of information meets the condition of the single-time riding event, determining that the single-time riding event exists, and executing the following S506 and S507. And determining that two riding events exist or no riding event exists under the condition that the detection result of at least one category does not accord with the condition of a single riding event. Specifically, if there are two riding events, the single riding fee of each of the two accounts needs to be calculated, and the single riding fee of each account is deducted respectively, and then the following S508 is executed. If there is no riding event, no fee deduction is required, and the following S509 is performed.

Alternatively, whether the detection result of each type of information meets the condition of the single ride event can be determined through the following steps (1) to (3).

(1) And judging whether the first equipment identifier and the second equipment identifier indicate the same mobile phone. And if the first equipment identifier and the second equipment identifier indicate the same mobile phone, determining that the conditions of the single riding event are met. Otherwise, the condition of single ride event is not met.

In the case where one real-name authenticated user registers a plurality of accounts, there may be a scenario where a plurality of devices simultaneously log in to a plurality of accounts. For example, a parent registers account a1 and account a2 with payment application a. Scanning a bus from a bus station u to get in a subway by using a mobile phone 1 of a login account a1 by a parent in 7 am, and getting off a bus from a bus station v near a company by 30 in 8 am; at 7 am, 30 the child uses mobile phone 2 logged into account a2 to sweep from bus station u to enter the subway and get off at bus station w near school at 8 am. Since the child is out of the bus before the parent scans the code, if it is not determined whether the device identifier indicates the same mobile phone, the payment platform server 06 may determine a single bus taking event according to the payment information of the starting bus taking station of the account a1 and the payment information of the ending bus taking station of the account a2, and deduct the bus taking fee from the account a1. When the parent scans the code to exit, a billing error may occur because the ride charge has already been deducted from the account a1. It can be understood that similar charging errors can be avoided by determining whether the first device identifier and the second device identifier indicate the same mobile phone.

Illustratively, the first device identifier and the second device identifier are both MEIDs. Assuming that the first device identification and the second device identification are both: a000005526BE86, it is determined that the two device identifiers indicate the same handset. Assume that the first device identification is: a000005526BE86, the second device identification is: a0000020C7511A, it is determined that the two device identifications indicate different handsets.

(2) And judging whether the first type identification and the second type identification indicate the same type of the bus card. And if the first type identification and the second type identification indicate the same type of the bus card, determining that the conditions of the single bus event are met. Otherwise, the condition of single ride event is not met.

In the embodiment of the application, one payment platform server may support payment operations of multiple types of bus cards, such as subway cards, bus cards, light rail electric card cards, guide rail electric card cards and inter-city express card. If the user uses two different types of riding cards within a certain period of time, the payment platform server 06 may receive two types of identifiers corresponding thereto. Billing errors may occur if the payment platform server 06 does not compare the type of ride card indicated by the type identifier. It can be appreciated that similar billing errors can be avoided by determining whether the first type identifier and the second type identifier indicate a ride card of the same ride type.

Illustratively, if both the first type identifier and the second type identifier indicate metro cards, then it is determined that both type identifiers indicate ride cards of the same type. And if the first type identification indicates the subway card and the second type identification indicates the bus card, determining that the two types of identifications indicate different types of bus cards.

It should be noted that, in some cases, the subway cards indicated by the first type identifier and the subway cards indicated by the second type identifier may belong to different cities or different subway companies, and at this time, the payment platform server may determine that the two type identifiers indicate different types of bus cards. In addition, in some cases, the subway cards indicated by the first type identifier and the second type identifier may belong to different classification cards, for example, the first type identifier indicates a general subway card, and the second type identifier indicates a student subway card, and at this time, the payment platform server may determine that the two type identifiers indicate the same type of bus card.

(3) And judging whether the time interval indicated by the first time information and the second time information is less than or equal to a second preset time length. And if the time interval indicated by the first time information and the second time information is less than or equal to a second preset time, determining that the condition of the single riding event is met. Otherwise, the condition of single ride event is not met.

The second preset duration is the maximum duration calculated according to the distance from the starting bus station to the terminal bus station. The starting bus station may be determined based on the first bus information. The terminal ride station can be determined based on the second ride information.

Taking a subway as an example, the maximum duration may include a maximum waiting duration at an initial bus station, a maximum bus duration from the initial bus station to an end bus station, a maximum duration from an entry gate to a boarding of the subway, and/or a maximum duration from a departure gate to an exit gate, etc.

As described in connection with S213 of the above embodiment, a single ride event refers to a user completing a trip from an initial ride station to a terminal ride station within a preset time period by riding a certain type of vehicle. When the time interval indicated by the first time information and the second time information is greater than a second preset time length, for example, the time interval is 1 day, two riding events may be involved. Therefore, whether the time interval indicated by the first time information and the second time information is smaller than or equal to the second preset time length or not can be judged, and the phenomenon that two riding events are mistakenly judged as a single riding event can be avoided.

(4) And judging whether the first station information and the second station information indicate the same bus station. And if the first station information and the second station information indicate different bus taking stations, determining that the conditions of the single bus taking event are met. Otherwise, the condition of single ride event is not met.

Typically, the starting bus stop and the ending bus stop at which the user rides the vehicle are different bus stops. However, in a special case where the user forgets the article or an emergency occurs, the user may leave the gate of the subway station without riding the subway after entering the station through the gate of the subway station. Therefore, by judging whether the first bus station and the second bus station indicate different bus stations, the user account can be prevented from being deducted by mistake.

S506, the payment platform server 06 determines the single riding fee of the single riding event according to the first information set and the second information set, and determines a target payment strategy.

And S507, the payment platform server 06 deducts the single riding fee from the account a1 or the account a2 according to the target payment strategy.

The ride cost for a single ride event may be determined by any of modes 1-3.

And in the mode 1, the riding cost is determined according to the first time information and the second time information. For example, the bus taking time is obtained by subtracting the arrival time indicated by the first time information from the departure time indicated by the second time information. And then calculating the riding cost according to the riding time. It should be understood that the longer the ride, the higher the ride cost.

And 2, determining the riding cost according to the first station information and the second station information. For example, the total number of stations taken by the user is calculated according to the starting station indicated by the first station information and the destination station indicated by the second station information. And then calculating the riding cost according to the total number of the stations. It should be appreciated that the greater the total number of stations, the higher the ride rate.

And 3, determining the riding cost according to the first time information of the first information set and the second time information of the second information set, and the first site information of the first information set and the second site information of the second information set.

The target payment policy may be an optimal payment policy for the user.

In the embodiment of the application, a plurality of payment strategies are preset. The payment platform server 06 may determine one payment policy, i.e. a target payment policy, from a plurality of payment policies. Then, a ride card meeting the target payment strategy is determined, and the ride cost is deducted from the ride card.

Illustratively, the plurality of payment policies may include at least one of:

the method comprises the steps of generating a balance of an account, and setting a payment strategy according to the balance of the account.

The 1 st mode, payment policy, is to deduct the fare for a large amount of remaining accounts. For example, if the balance of the account a1 is greater than the balance of the account a2, the ride fee is deducted from the account a1.

The 2 nd approach, payment policy, is to deduct the ride charge from an account with sufficient balance. For example, if the balance of the account a1 is less than the riding fee and the balance of the account a2 is greater than or equal to the riding fee, the riding fee is deducted from the account a2 according to the payment strategy.

The capsule may also include a payment policy configured based on the type of ride card for the account.

And aiming at the bus cards of the same bus type, the bus cards of different classifications correspond to different priorities.

For example, subway cards can be classified into a general subway card, a student subway card, a love subway card, and a memorial subway card. The priority of the cards is from high to low: the subway card for student more than the subway card for love more than the subway card for commemorative more than the common subway card. And if the type of the bus card of the account a1 is a student subway card and the type of the bus card of the account a2 is a common subway card, deducting the bus fee for the account a2 according to a payment strategy.

\ 9354.

The preferential level of the account refers to the cost which is saved on the basis of the riding cost. The more the cost of the exemption is, the higher the preferential degree is; the less cost of the exemption, the lower the benefit.

For example, suppose the riding fee is 5 yuan, the account a1 is 9 yuan, the exemption fee is 0.5 yuan, and the fee after discount is 4.5 yuan; the account a2 is a 5-fold card, the deduction and exemption cost is 2.5 yuan, and the cost after the deduction is 2.5 yuan. Because the account a2 has better preferential degree, the riding fee is deducted from the account a2 according to the payment strategy. It should be understood that the cost of the user can be saved by using the account with high preference degree to pay the riding fee.

\9355, a payment policy set according to the coupon deadline of the account.

Wherein, the coupon expiry of the account refers to the expiry of the coupon. Before the coupon expires, ride benefits are enjoyed.

For example, the coupon deadline of the account a1 is 2022.9.1, the coupon deadline of the account a2 is 2022.10.1, and since the account a1 expires earlier than the account a2, the travel fee is deducted from the account a1 according to the payment policy, thereby avoiding the waste of the coupon to some extent.

\9356setpayment policies according to the scanning order of the accounts. The scanning sequence can be determined according to the arrival time and the departure time of the first user authenticated by the real name.

The 1 st mode, payment policy, is to deduct the fare from the account a1 that is scanned first.

The 2 nd method, payment policy, is to deduct the fare from the account a2 scanned later.

Optionally, for multiple payment policies, different payment policies correspond to different priorities. The payment platform server 06 may select one payment policy from the plurality of payment policies in order of priority from high to low. Then, an account corresponding to the payment policy, such as account a1 or account a2, is determined. Thereafter, the single ride fee is deducted from account a1 or account a2.

Table 1 shows a correspondence table of the payment policy, the detail information of the account a1, and the detail information of the account a2.

TABLE 1

In table 1, it is assumed that the priority of the 5 payment policies is from high to low: the payment strategy set according to the discount degree of the account is more than the payment strategy set according to the coupon deadline of the account is more than the payment strategy set according to the riding card type of the account is more than the payment strategy set according to the balance of the account is more than the payment strategy set according to the scanning sequence of the account. And comparing the preferential degrees of the account a1 and the account a2 according to the priority of the payment strategy from high to low. Since the coupon degrees of the account a1 and the account a2 are both 9 folds, the coupon terms of the account a1 and the account a2 are compared again. Since the coupon terms of the account a1 and the account a2 are 2022.9.1, the types of the riding cards of the account a1 and the account a2 are compared. The type of the bus card of the account a1 is a student subway card, the type of the bus card of the account a2 is a common subway card, and the priority of the student subway card is higher than that of the common subway card in combination with the description of the above embodiment, so that the bus fee is finally deducted from the account a1.

It should be noted that although the balance of the account a2 is greater than the balance of the account a1, the "payment policy set according to the riding card type of the account" has a higher priority than the "payment policy set according to the balance of the account", so that the riding fee is deducted from the account a1 according to the "payment policy set according to the riding card type of the account".

The above-mentioned S506 and S507 are exemplified by deducting the riding fee from the account a1 or the account a2, and do not limit the embodiment of the present application. The embodiment of the present application further provides another implementation manner, after the payment platform server determines the target payment policy and the riding fee, if the balance of the account to be paid is less than the riding fee, the balance of the account to be paid is deducted, and unpaid fee is deducted from another account outside the account to be paid. That is, the payment platform server deducts the ride fee for both accounts.

And S508, the payment platform server 06 deducts the single riding fee of the account a1 and the single riding fee of the account a2 respectively.

After the payment platform server 06 acquires the detection result of each type of information in the first information set and the second information set, if the following condition 1, condition 2 or condition 3 is satisfied, it is determined as a double-ride event.

The condition 1, the first equipment identifier and the second equipment identifier indicate different mobile phones;

the condition 2 that the first type identification and the second type identification indicate different types of riding cards;

and the condition 3, the time interval indicated by the first time information and the second time information is greater than a second preset time length.

Illustratively, the maximum upper deduction limit is 8 yuan. Under the condition that the two-time riding event is determined, the payment platform server 06 firstly counts the single riding fee of the account a1 as 8 yuan, counts the single riding fee of the account a2 as 8 yuan according to the highest deduction upper limit, and then deducts 8 yuan from the account a1 and the account a2 respectively.

And S509, the payment platform server 06 does not deduct the fee from the bus card b1 and the bus card b2.

Under the special conditions that a user forgets articles or emergencies occur, the user may not take the subway and leaves from an exit gate of a certain subway station after entering the station through the entrance gate of the subway station, and the taking event does not occur at the moment. For example, if the first site information and the second site information indicate the same riding station, the payment platform server 06 determines that a riding event does not occur, and does not deduct fees from the riding card b1 and the riding card b2, thereby avoiding mistaken deduction of fees from the user account.

Following S507 and S508, S510 may be further included.

S510, the payment platform server 06 sends the information of deducting the bus fee to the mobile phone which logs in the paid account.

After the payment platform server 06 deducts the bus fare from the account a1 and/or the account a2, the payment platform server 06 sends the deduction bus fare information to the mobile phone logged in the paid account, so that the user can know the consumption information in time.

In the embodiment of the application, when a user enters an initial bus taking station with a mobile phone, the user selects the account a1, and aligns the two-dimensional code in the subway card interface of the account a1 with the code scanning equipment of the gate machine of the entrance station, so that the server can acquire the first payment information. When the user leaves the terminal bus station with the mobile terminal, the user selects the account a2, and aligns the two-dimensional code in the subway card interface of the account a2 with code scanning equipment of the outbound gate machine, so that the server can acquire second payment information. If the server determines that the first payment information and the second payment information are the payment information of the same user, the server can judge whether a single riding event occurs, under the condition that the single riding event occurs, single riding cost is calculated according to the first payment information and the second payment information, and then one payment account is deducted according to the single riding cost, so that the payment experience of the user is improved.

Example two

Fig. 7 shows a schematic diagram of a communication system when a user takes a subway in an NFC payment manner.

As shown in fig. 7, the communication system includes: the system comprises a mobile phone 01 carried by a user, an entry gate 02 arranged at an entrance of an initial bus station, a subway 03 taken by the user, an exit gate 04 arranged at an exit of a terminal bus station, a subway system server 05 used for taking charge of subway operation, and a payment platform server 06. The mobile phone 01 includes an NFC target device (not shown). The inbound gate 02 includes an NFC device 022 and the outbound gate 04 includes an NFC device 042.NFC device 022 and NFC device 042 are NFC initiator devices that generate a radio frequency field to request an NFC target device to pay a ride fee.

A plurality of riding cards are bound to an electronic wallet of the mobile phone 01, and each riding card can carry out riding payment in an NFC payment mode. The mobile phone 01 is configured to receive, by the NFC target device, a request message from the NFC device 022 or the NFC device 042 when the riding card is in the activated state, and return a response message of the request message to the NFC device 022 or the NFC device 042, respectively. The mobile phone 01 is also used for calculating the bus fee according to the request messages of the NFC equipment 022 and the NFC equipment 042, and paying the bus fee by using the bus card.

For example, when a user enters an initial bus station, the user selects one bus card from a plurality of bus cards to activate the bus card. The user brings the mobile phone 01 close to or in contact with the NFC device 022, so that the first request message is received in a case where the distance between the mobile phone 01 and the NFC device 022 is less than or equal to a preset distance. The first request message is used to instruct the gate 02 to request the activated car card to make a car payment. Then, when the user leaves the terminal bus station, the user selects another bus card from the plurality of bus cards so that the bus card is in an activated state. Then, the user brings the mobile phone 01 close to or into contact with the NFC device 042, so that when the distance between the mobile phone 01 and the NFC device 042 is less than or equal to the preset distance, a second request message is received, where the second request message is used to instruct the outbound gate 04 to request the vehicle card in the activated state to make a vehicle payment. Thus, the mobile phone 01 can calculate the single riding fee according to the two request messages and deduct the single riding fee from any one riding card.

And an entry gate 02 provided at an entry port of a subway station (e.g., an initial bus station of a user) for transmitting a first request message to each mobile phone near or in contact with the NFC device 022. In addition, the inbound gate 02 may also be configured to control the gate of the inbound gate 02 to open when receiving a response message of the first request message returned by each mobile phone, so that the user can get in and take a car.

The subway 03 is configured to travel along a preset route under the control of the subway system server 05, and the stations of the preset route include a starting bus station of a user and an ending bus station of the user. The subway 03 can also be used for playing arrival information, terminal information and the like according to the driving progress.

And the exit gate 04 is arranged at an exit of the subway station (such as a terminal riding station of a user) and is used for sending a second request message to each mobile phone close to or in contact with the NFC device 042. In addition, the outbound gate 04 may be further configured to control the gate of the outbound gate 04 to open when receiving a response message of the second request message returned by each mobile phone, so that the user can smoothly exit.

The subway system server 05 is used as a control center of the whole subway system and is in communication connection with the entrance gate 02, the exit gate 04, the subway 03 and the like. On the one hand, the subway system server 05 can be used for receiving the running information such as the running speed and the running position sent by the subway, sending scheduling information to the subway, and broadcasting the subway entrance information to passengers. On the other hand, the subway system server 05 can also be used for receiving the bus fare transferred by the payment platform server 06.

The payment platform server 06 is a background server of the electronic wallet. The payment platform server 06 is configured to transfer the riding fee to an account of the subway system server 05 after the mobile phone 01 pays the riding fee by using the electronic wallet, and send a transfer message to the subway system server 05.

Fig. 8 is a schematic flowchart of a payment method when a user uses NFC to ride a subway according to an embodiment of the present disclosure. The method can be applied to any vehicle which needs to carry out NFC operation twice when a user starts to take a bus and finishes taking the bus so as to finish one fee deduction operation. It should be noted that the NFC initiator for generating a radio frequency field may be disposed on the vehicle, or may be disposed separately from the vehicle, and the embodiment of the present application is not limited thereto.

Taking the communication system shown in fig. 7 as an example, as shown in fig. 8, the method may include the following S801-S816.

And S801, the mobile phone 01 responds to the triggering operation of the user on the riding card b1 of the electronic wallet, and activates the riding card b1.

Optionally, the electronic wallet is a payment application for electronic payment or mobile payment. For example, the electronic wallet is a native payment application provided by the mobile phone 01, or a payment application provided by a third party payment platform, and the embodiment of the present application is not limited thereto.

Take the payment application provided by the system with the electronic wallet as the mobile phone 01 as an example. When using the electronic wallet for the first time, a user needs to register an account in the electronic wallet, for example, setting an ID, an avatar, and a nickname for the account, performing real-name authentication of the user identity using a certificate such as an identity card, a passport, or a driver's license, and binding a bank card for payment to the account. Further, the user can bind a plurality of riding cards for the electronic wallet and set a deduction mode of riding fees of the riding cards.

Alternatively, one way is for the user to use an electronic wallet to recharge each of the plurality of ride cards separately. When a certain riding card is used for riding, the riding fee is deducted from the balance of the riding card. Alternatively, the user binds each of the plurality of ride cards to an electronic wallet, respectively. When a certain riding card is used for riding, the riding cost is deducted from the balance of the electronic purse or from the bank card bound with the electronic purse.

It should be noted that if at least two bus cards of the electronic wallet are in an activated state, the two bus cards may generate a payment conflict when the user uses NFC to ride a subway. To avoid this problem, the embodiments of the present application allow at most one vehicle card to be in an active state.

The 1 st alternative mode is that under the normal condition, a plurality of bus cards are in the inactive state. And when the triggering operation of a user on a certain bus card is received, the bus card is switched from the inactive state to the active state. Then, when the state switching condition is satisfied, the vehicle card is switched from the activated state to the deactivated state.

Wherein the state switching condition may include any one of: when the time length of the bus card in the activated state reaches the preset activation time length, receiving an NFC signal sent by NFC equipment, receiving operation of a user for triggering the bus card to be closed in the activated state, receiving activation operation of the user on other bus cards and the like.

In an alternative 2, when a triggering operation of a certain vehicle card by a user is received, the vehicle card is switched from an inactive state to an active state, and the active state is maintained. And switching the other riding card from the non-activated state to the activated state and keeping the activated state until the triggering operation of the other riding card by the user is received.

The following description will be made by taking the alternative mode 1 as an example.

For example, suppose that the electronic wallet of the mobile phone binds the ride card b1 and the ride card b2. In a normal case, both the vehicle card b1 and the vehicle card b2 are in an inactive state. When the user clicks an icon 31 of the electronic wallet in the desktop as shown in fig. 9 (a), the mobile phone 01 displays a home page interface corresponding to the electronic wallet as shown in fig. 9 (b). Then, the user clicks the "card package" control 32 in the home page interface, and the cell phone 01 displays "NFC all-purpose card 1"33 and "NFC all-purpose card 2"34 in the card package interface as shown in (c) in fig. 9 or as shown in (d) in fig. 9. The NFC all-purpose card 133 is used for indicating the bus card b1, and the NFC all-purpose card 2 34 is used for indicating the bus card b2.

Then, the user can trigger activation of any one of the bus cards through selection input of the NFC all-purpose card 133 and the NFC all-purpose card 2 34. Take the example that the user selects the 'NFC all-purpose card 1' 33 when arriving at a station. As shown in (c) in fig. 9, after the user clicks the "NFC all-purpose card 1"33, the ride card b1 indicated by the "NFC all-purpose card 1"33 is activated. If the user brings the mobile phone 01 close to or in contact with the NFC device 022 of the entry gate 02, the mobile phone 01 receives the first request message transmitted by the entry gate 02 in the form of an NFC signal in the case that the distance between the mobile phone 01 and the entry gate 02 is less than or equal to the preset distance.

S802, under the condition that the distance between the mobile phone 01 and the entrance gate 02 is smaller than or equal to the preset distance, the mobile phone 01 receives a first request message sent by the entrance gate 02 in the form of an NFC signal. The first request message is used to instruct the entry gate 02 to request the activated bus card in the mobile phone 01 to pay for the bus.

The first request message may further include station information corresponding to the inbound gate 02, that is, the initial boarding station of the user is carried in the first request message.

The preset distance is a transmission distance or a maximum identification distance of the NFC device.

Illustratively, the maximum recognition distance of the NFC device may be a value in the range of [1cm,20cm ].

Take the maximum recognition distance as 10cm as an example. The NFC device 022 of the inbound gateway 02 continuously transmits a first request message in the form of an NFC signal to request individual mobile phones close to the NFC device 022 to make a bus payment. In the case where the bus card b1 of the mobile phone 01 is in the activated state, if the distance between the mobile phone 01 and the NFC device 022 is less than or equal to 10cm, the mobile phone 01 receives a first request message transmitted by the NFC device 022 in the form of an NFC signal.

S803, the mobile phone 01 generates and stores the first information set associated with the riding card b1 in response to the first request message. The first information set is used for judging whether the single-ride event occurs or not.

The first set of information includes at least the account ID of the ride card b1. The account ID of the ride card b1 is used to identify the ride card b1. It should be understood that individual accounts may be distinguished based on the account ID of the ride card.

The first set of information may further include at least one of:

(1) First time information. The first time information is used for indicating the time when the user arrives at the station by using the bus card b1.

For example, the handset 01 may use the time when the first request message is received as the arrival time of the user, or use the time when the response message of the first request message is sent to the arrival gate 02 as the arrival time of the user.

(2) The first offer information. The first benefit information is used to indicate each ride benefit item included in the ride card b1. The ride offer item may include: a coupon duration, and/or the like. Since the mobile phone 01 stores the respective ride benefit items included in the ride card b1, the mobile phone 01 can add the ride benefit items to the first information set.

(3) First site information. The first station information is used for indicating an initial bus taking station of the user. According to the description of S802 above, since the first request message includes the site information corresponding to the inbound gate 02, the handset 01 can determine the site information corresponding to the inbound gate 02 according to the first request message and add the site information to the first information set.

(4) Type of ride card b1. For example, the type of the bus card b1 may be a normal subway card, a student subway card, a love subway card, a memorial subway card, or the like. Since each ride card will note the type, the cell phone 01 can directly add the type of the ride card b1 to the first information set.

(5) On the premise that the user charges the riding card b1 in advance, the first information set can also comprise the balance of the riding card b1.

S804, the mobile phone 01 sends a response message of the first request message to the entry gate 02 in the form of an NFC signal. The response message of the first request message is used to indicate that the mobile phone 01 agrees to use the bus card for bus payment.

And S805, the entrance gate machine 02 opens the gate.

After the inbound gate 02 receives the response message of the first request message, the inbound gate 02 verifies the response message of the first request message to determine whether the mobile phone 01 agrees to make a bus payment. If the verification is passed, the station entry gate 02 opens the gate, and the user can enter the initial boarding station.

And S806, the mobile phone 01 responds to the triggering operation of the user on the riding card b2 of the electronic wallet, and activates the riding card b2.

For example, after the user rides on the subway, if the time length of the bus card b1 in the activated state reaches the preset activated time length, the bus card b1 is automatically switched from the activated state to the deactivated state. When a user comes to an exit gate 04 of a terminal bus stop, an application scenario is that the user may forget to enter the terminal and selects "NFC all-purpose card 1"33 or "NFC all-purpose card 2"34, and then may click on a bus card at will, for example, "NFC all-purpose card 2"34. Another application scenario is that the balance of the "NFC all-purpose card 1"33 is insufficient, but the balance of the "NFC all-purpose card 2"34 is sufficient, so that the user selects the "NFC all-purpose card 2"34. As shown in (d) in fig. 9, after the user clicks the "NFC all-purpose card 2"34, the ride card b2 indicated by the "NFC all-purpose card 2"34 is activated. If the user brings the mobile phone 01 close to the NFC device 042 of the outbound gateway 04, the mobile phone 01 receives the second request message sent by the outbound gateway 04 in the form of an NFC signal in the case that the distance between the mobile phone 01 and the outbound gateway 04 is less than or equal to the preset distance.

S807, when the distance between the mobile phone 01 and the outbound gateway 04 is less than or equal to the preset distance, the mobile phone 01 receives a second request message sent by the outbound gateway 04 in the form of an NFC signal. The second request message is used for instructing the outbound gate 04 to request the activated riding card in the mobile phone 01 to pay for riding.

The second request message may further include site information corresponding to the outbound gate 04, that is, the user's destination bus stop is carried in the second request message.

And S808, generating and storing a second information set associated with the riding card b2 by the mobile phone 01 according to the second request message. The second information set is used for judging whether the single-time riding event exists or not.

The second set of information includes at least the account ID of the ride card b2. The account ID of the ride card b2 is used to identify the ride card b2. It should be understood that individual accounts may be distinguished based on the account ID of the ride card.

The second set of information may further include at least one of:

(1) Second time information. The second time information is used to indicate the time when the user goes out using the bus card b2.

For example, the handset 01 may use the time when the second request message is received as the outbound time of the user, or use the time when the response message of the second request message is sent to the outbound gateway 04 as the outbound time of the user.

(2) And the second preferential information. The second benefit information is used to indicate each ride benefit item included in the ride card b2. The riding preference item can comprise: a coupon duration, and/or the like. Since the mobile phone 01 stores the respective ride benefit items included in the ride card b2, the mobile phone 01 can add the ride benefit items to the second information set.

(3) And second site information. The second station information is used for indicating the terminal riding station of the user.

(4) Type of the ride card b2. Such as a common subway card, a student subway card, an love subway card, or a commemorative subway card. Since each ride card will note the type, the cell phone 01 can directly add the type of the ride card b2 to the second set of information.

(5) On the premise that the user charges the riding card b2 in advance, the second information set can also comprise the balance of the riding card b2.

S809, the mobile phone 01 sends a response message of the second request message to the outbound gateway 04 in the form of an NFC signal. The response message of the second request message is used for indicating that the mobile phone 01 agrees to use the bus card for bus taking payment.

And S810, opening the gate by the outbound gate 04.

After the outbound gate 04 receives the response message of the second request message, the outbound gate 04 verifies the response message of the second request message to determine whether the mobile phone 01 agrees to use the riding card for riding payment. If the verification is passed, the outbound gate 04 opens the gate, and the user can leave the terminal station by bus.

It should be noted that, in order to improve the outbound efficiency of the passenger, the embodiment of the present application is described by taking an example of directly opening the gate after the outbound gate receives the response message of the second request message, and the embodiment of the present application is not limited thereto. The embodiment of the present application further provides another implementation manner, after the mobile phone deducts the riding fee from the riding card b1 and/or the riding card b2, the message of completing the fee deduction is sent to the outbound gate machine, and the outbound gate machine 04 opens the gate according to the message.

And S811, the mobile phone 01 judges whether a single riding event exists according to the first information set and the second information set.

For a single ride event, reference may be made to the description of the first embodiment, and details are not described here.

In the first embodiment, since the payment platform server may receive payment information from different users, the payment platform server needs to determine whether the payment information is the payment information of the same user first, and then determine whether a single riding event exists. Different from the first embodiment, in the second embodiment, since the riding card b1 and the riding card b2 are both bound with the electronic wallet of the mobile phone and necessarily belong to the same user, the mobile phone only needs to determine whether a single riding event exists.

The mobile phone 01 may first obtain a detection result of each type of information in the first information set and the second information set; and determining whether the detection result of each type of information meets the condition of a single riding event. If the detection result of each type of information meets the condition of the single-ride event, the single-ride event is determined, and then the following steps S812 and S813 are executed. And determining that two riding events exist or no riding event exists under the condition that the detection result of at least one category does not meet the condition of the single riding event. Specifically, if there are two riding events, the single riding fee of each of the two accounts needs to be calculated, and the single riding fee of each account is deducted respectively, then the following S814 is executed. If there is no riding event, no fee deduction is required, and the following S815 is performed.

(1) It is determined whether the type of the ride card b1 and the type of the ride card b2 are the same ride type. And if the type of the bus card b1 and the type of the bus card b2 are the same bus type, determining that the conditions of the single bus event are met. Otherwise, the condition of single ride event is not met.

In the embodiment of the present application, the mobile phone 01 may bind bus cards of multiple bus types, such as subway cards, bus cards, light rail electric card cards, guide rail electric card cards, inter-city express bus cards, and the like. If the user uses two different riding cards within a certain period of time, if the mobile phone 01 does not compare the riding types, a billing error may occur. It will be appreciated that a similar problem of charging errors can be avoided by determining whether the type of ride card b1 and the type of ride card b2 are of the same ride type.

It should be noted that, in some cases, the vehicle card b1 and the vehicle card b2 may belong to different cities or different subway companies, and in this case, the type of the vehicle card b1 and the type of the vehicle card b2 are different vehicle types. In addition, in some cases, the bus card b1 and the bus card b2 may belong to different categories, for example, the bus card b1 belongs to a general subway card, and the bus card b2 belongs to a student subway card, in which case, the type of the bus card b1 and the type of the bus card b2 are the same bus type.

(2) And judging whether the time interval indicated by the first time information and the second time information is less than or equal to a second preset time length. And if the time interval indicated by the first time information and the second time information is less than or equal to a second preset time, determining that the condition of the single riding event is met. Otherwise, the condition of single ride event is not met.

The second preset time length is the maximum time length calculated according to the distance from the starting bus station to the terminal bus station. The starting bus station may be determined based on the first bus information. The terminal ride station can be determined based on the second ride information.

(3) And judging whether the first station information and the second station information indicate different bus taking stations. And if the first station information and the second station information indicate different bus taking stations, determining that the conditions of the single bus taking event are met. Otherwise, the condition of a single ride event is not met.

Typically, the starting bus stop and the ending bus stop at which a user rides a mass transit vehicle are different bus stops. However, in a special case where the user forgets the article or an emergency occurs, the user may leave the gate of the subway station without riding the subway after entering the station through the gate of the subway station. Therefore, by judging whether the first bus station and the second bus station indicate different bus stations, the user account can be prevented from being deducted by mistake.

And S812, determining the single riding expense of the single riding event and determining a target payment strategy by the mobile phone 01 according to the first information set and the second information set.

And S813, the mobile phone 01 deducts the single riding fee from the riding card b1 or the riding card b2 according to the target payment strategy.

For a specific implementation manner of determining the riding fee of the single riding event by the mobile phone 01, the description of determining the riding fee of the single riding event by the payment platform server 06 in the above embodiment may be referred to, and details are not described here again.

The target payment policy may be an optimal payment policy for the user.

The embodiment of the application presets a plurality of payment strategies. The mobile phone 01 can determine a payment policy, i.e. a target payment policy, from a plurality of payment policies. Then, the mobile phone 01 determines a riding card that meets the target payment policy, and deducts the single riding fee from the riding card or the electronic wallet.

Illustratively, the plurality of payment policies may include at least one of:

the method comprises the steps of obtaining the balance of the riding card, and setting a payment strategy according to the balance of the riding card.

The capsule-traffic carries a payment policy set according to the type of the ride card.

9354.

The preferential level of the riding card refers to the cost saved on the basis of riding cost.

\9355.

Wherein, the coupon time limit of the bus card refers to the time limit of the coupon due. Before the coupon deadline, the ride offer is enjoyed.

\9356.

Optionally, for the plurality of payment policies, different payment policies correspond to different priorities. The mobile phone 01 can select one payment strategy from a plurality of payment strategies according to the priority of the payment strategies from high to low. Then, the ride fee is deducted from the ride card b1 or the ride card b2 according to the selected one of the payment strategies.

In addition, the deduction of the riding fee from the riding card b1 or the riding card b2 in the step S813 includes the following two possible implementation manners: taking the ride cost of a single ride event as 5 yuan as an example, if the user charges the ride card b1 and the ride card b2 in advance, 5 yuan is deducted from the balance of the ride card b1 or the ride card b2. If the bus card b1 and the bus card b2 are not charged in advance, 5 yuan is deducted from the balance of the electronic wallet, or 5 yuan is deducted from the bank card bound with the electronic wallet. In addition, another implementation manner is provided in the embodiments of the present application, after the target payment policy and the riding fee are determined by the mobile phone, if the balance of the account to be paid is less than the riding fee, the balance of the account to be paid is deducted, and the unpaid fee is deducted from another account outside the account to be paid. That is, the mobile phone deducts the ride charges from both accounts.

And S814, respectively deducting the single riding fee of the riding card b1 and the single riding fee of the riding card b2 by the mobile phone 01.

After the mobile phone 01 acquires the detection result of each type of information in the first information set and the second information set, if the following condition 1 and/or condition 2 is satisfied, it is determined as a double riding event.

The condition 1, the type of the ride card b1, and the type of the ride card b2 are different ride types. For example, the type of the bus card b1 is a bus card, and the type of the bus card b2 is a subway card.

And the condition 2, the time interval indicated by the first time information and the second time information is greater than a second preset time length. For example, assuming that the second preset time period is 3 hours, the maximum deduction upper limit is 8 yuan. If the time interval indicated by the first time information and the second time information is greater than 3 hours, the mobile phone deducts 8 yuan from the balance of the riding card b1 and the riding card b2 respectively, or the mobile phone deducts 16 yuan from the electronic wallet bound with the riding card b1 and the riding card b2.

And S815, the mobile phone 01 does not deduct fees for the bus card b1 and the bus card b2.

Under the special conditions that a user forgets articles or emergencies occur, the user may not take a subway and leaves from an exit gate of a subway station after entering the subway through the entrance gate of the subway station, and the user does not belong to a riding event at this time. For example, if the first station information and the second station information indicate the same bus station, the mobile phone 01 determines that a bus event does not occur, and does not deduct the fee from the bus card b1 and the bus card b2, thereby avoiding mistaken deduction of the fee from the user account.

After S813 or S814, S816 may be further included.

And S816, the mobile phone 01 transfers the riding cost to an account of the subway system server 05 through the payment platform server 06, and sends a transfer notification message to the subway system server 05.

In the embodiment of the application, when a user enters an initial bus taking station with a mobile phone, the user selects the bus taking card b1 and brings the mobile phone close to the NFC device of the gate machine, so that the mobile phone can acquire the first request message sent by the NFC device of the gate machine. When the user leaves the terminal station with the mobile phone, the user selects the riding card b2 and brings the mobile phone close to the NFC equipment of the outbound gate, so that the mobile phone can acquire the second request message sent by the NFC equipment of the outbound gate. If the mobile phone determines that the first request message and the second request message are used for requesting different bus card deductions of the electronic wallet, single bus fee is calculated, and then a bus card is deducted according to the single bus fee, so that payment experience of a user is improved.

The scheme provided by the embodiment of the application is mainly introduced from the perspective of equipment. It is to be understood that each device, in order to implement the functions described above, includes a corresponding hardware structure or software module or a combination of both for performing each function. Those of skill in the art will readily appreciate that the various illustrative elements and algorithm steps described in connection with the embodiments disclosed herein may be implemented as hardware or combinations of hardware and computer software. Whether a function is performed as hardware or computer software drives hardware depends upon the particular application and design constraints imposed on the solution. Skilled artisans may implement the described functionality in varying ways for each particular application, but such implementation decisions should not be interpreted as causing a departure from the scope of the present application.

In the embodiment of the present application, functional modules may be divided according to the above method examples, for example, each functional module may be divided corresponding to each function, or two or more functions may be integrated into one processing module. The integrated module can be realized in a hardware mode, and can also be realized in a software functional module mode. It should be noted that, in the embodiment of the present application, the division of the module is schematic, and is only one logic function division, and another division manner may be available in actual implementation. The following description will be given by taking an example of dividing each function module for each function.

Fig. 10 is a schematic block diagram of a payment apparatus provided in an embodiment of the present application. The apparatus 100 may be used to perform the actions performed by the payment platform server in the first embodiment. As shown in fig. 10, the apparatus 100 includes a receiving module 101, a processing module 102, and a deduction module 103.

A processing module 102, configured to determine a first information set according to the first payment information received by the receiving module 101; and determines a second set of information based on the second payment information received by the receiving module 101. The first payment information and the second payment information are vehicle taking payment information of a real-name authenticated user A, and the first information set and the second information set are used for judging whether the first payment information and the second payment information are single vehicle taking events of the user A.

The processing module 102 is further configured to determine a target payment policy if it is determined that a single ride event exists according to the first information set and the second information set.

And the deduction module 103 is used for deducting the single riding fee from the account a1 or the account a2 according to the target payment strategy.

In one possible implementation, the processing module 102 is specifically configured to:

after determining the first set of information, starting a timer; detecting whether other payment information associated with the real-name authenticated user A from the outbound gate is received or not within a first preset time length; if second payment information associated with the real-name authenticated user A from the outbound gate is received within a first preset time length, determining a second information set according to the second payment information; and if the timing duration reaches the first preset duration and other payment information associated with the real-name authenticated user A is not received, ending timing and stopping detection.

In one possible implementation, the first set of information includes at least:

account ID for account a1, the account ID identifying account a1;

first user information that may be used to indicate a real-name authenticated user a associated with account a1.

In one possible implementation, the second set of information includes at least:

account ID for account a2, the account ID identifying account a2;

second user information that may be used to indicate that the real-name authenticated user A associated with account a2.

In one possible implementation, the first set of information further includes at least one of:

a first device identifier, which may be used to identify a mobile terminal logging in to account a1;

first site information, which may be used to indicate an initial boarding site for a real-name authenticated user a.

In one possible implementation, the second set of information further includes at least one of:

a second device identifier, which may be used to identify a mobile terminal that logs into account a2;

and second station information, wherein the second station information can be used for indicating a terminal bus station of the real-name authenticated user A.

In a possible implementation manner, the processing module 102 is specifically configured to obtain a detection result of each type of information in the first information set and the second information set; and determining that the single riding event exists under the condition that the detection result of each type of information meets the condition of the single riding event.

The detection result of each type of information meets the condition of a single riding event, and the detection result comprises at least one of the following items:

the first equipment identification and the second equipment identification indicate the same mobile terminal;

the first type identification and the second type identification indicate the same type of bus cards;

the time interval indicated by the first time information and the second time information is less than or equal to a second preset time length;

the first station information and the second station information indicate different bus stations.

Fig. 11 is a schematic block diagram of another payment apparatus provided in the embodiment of the present application. The apparatus 110 can be used to perform the actions performed by the mobile phone in the second embodiment. As shown in fig. 11, the device 110 includes a communication module 111, a processing module 112, and a deduction module 113.

The communication module 111 is configured to receive a first request message sent by the inbound gateway in the form of an NFC signal if the distance to the inbound gateway is less than or equal to a preset distance. The first request message is used for indicating the inbound gate to request the bus card in the activated state to carry out bus payment.

The communication module 111 is further configured to receive a second request message sent by the outbound gate in the form of an NFC signal if the distance to the outbound gate is less than or equal to the preset distance. The second request message is used for indicating the outbound gate to request the bus card in the activated state to carry out bus payment.

The processing module 112 is configured to generate a first information set associated with the riding card b1 according to the first request message; generating a second information set associated with the riding card b2 according to the second request message; and determining a target payment strategy if it is determined that a single ride event exists based on the first set of information and the second set of information.

And the fee deducting module 113 is used for deducting the single riding fee from the riding card b1 or the riding card b2 according to the target payment strategy.

In a possible implementation manner, the communication module 111 is further configured to send a response message of the first request message to the inbound gateway in the form of an NFC signal. And the response message of the first request message is used for indicating that the vehicle taking payment is agreed by adopting the vehicle taking card.

In a possible implementation manner, the communication module 111 is further configured to send a response message of the second request message to the outbound gateway in the form of an NFC signal. And the response message of the second request message is used for indicating that the vehicle taking payment is accepted by adopting the vehicle taking card.

In a possible implementation manner, the processing module 112 is specifically configured to obtain a detection result of each type of information in the first information set and the second information set; and determining the single riding event under the condition that the detection result of each type of information meets the condition of the single riding event.

the type of the bus card b1 and the type of the bus card b2 are the same bus type;

Fig. 12 is a schematic structural diagram of a server according to an embodiment of the present application. The server may be the payment platform server in the first embodiment. As shown in fig. 12, the server may include a processor 121, the processor 121 being coupled to a memory 123. The processor 121 is configured to execute computer programs or instructions stored in the memory 123 to enable the server to implement the methods in the embodiments described above. The memory 123 may be included in the server or may be independent of the server.

The server may also include a communication bus 122, a communication interface 124, an output device 125, and an input device 126.

The number of the processors 121 may be one or more. One processor 121 may comprise at least one processing unit. For example, the processor may include at least one Central Processing Unit (CPU) as shown in FIG. 12. In some embodiments, the different processing units may be stand-alone devices or may be integrated into one or more processors.

Communication bus 122 may include a path for communicating information between processor 121, memory 123, and communication interface 124.

The communication interface 124 may be any device, such as a transceiver, for communicating with other devices or communication networks, such as an ethernet, a Radio Access Network (RAN), a Wireless Local Area Network (WLAN), etc. In the embodiment of the present application, the communication interface 124 is mainly used for communicating with an inbound gate, an outbound gate, a subway system server, a mobile terminal, and the like. For example, first payment information sent by the inbound gate is received, and second payment information sent by the outbound gate is received.

The memory 123 may be, but is not limited to, a read-only memory (ROM) or other type of static storage device that can store static information and instructions, a Random Access Memory (RAM) or other type of dynamic storage device that can store information and instructions, an electrically erasable programmable read-only memory (EEPROM), a compact disk read-only memory (CD-ROM) or other optical disk storage, optical disk storage (including compact disk, laser disk, optical disk, digital versatile disk, blu-ray disk, etc.), magnetic disk storage media or other magnetic storage devices, or any other medium that can be used to carry or store desired program code in the form of instructions or data structures and that can be accessed by a computer. The memory may be self-contained and coupled to the processor via a bus. The memory may also be integral to the processor.

The memory 123 is used for storing and executing application program codes and is controlled to be executed by the processor 121. The processor 121 is configured to execute the application program codes stored in the memory 123, so as to implement the payment method in the first embodiment.

The output device 125 is in communication with the processor 121 and may display information in a variety of ways. The output device 125 may include a display panel, such as a Liquid Crystal Display (LCD), an organic light-emitting diode (OLED), or an active matrix organic light-emitting diode (amoled).

The input device 126 is in communication with the processor 121 and may receive user input in a variety of ways. The input device 126 may be a mouse, a keyboard, a touch screen or a sensing device, among others.

It should be understood that the exemplary structure of the embodiments of the present application does not specifically limit the server. In other embodiments of the present application, a server may include more or fewer components than illustrated, or combine certain components, or split certain components, or a different arrangement of components. The illustrated components may be implemented in hardware, software, or a combination of software and hardware.

Fig. 13 is a schematic structural diagram of a mobile terminal according to an embodiment of the present application. As shown in fig. 13, the mobile terminal 130 may include a processor 131, an nfc module 132, a wireless communication module 133, an antenna 134, an internal memory 135, an external memory interface 136, a power module 137, an audio module 138, a speaker 138A, a receiver 138B, a microphone 138C, an earphone interface 138D, a sensor module 139, a key 140, a motor 141, an indicator 142, a camera 143, a display 144, and a Subscriber Identification Module (SIM) card interface 145, and the like.

Processor 131 may include one or more processing units, such as: the processor 131 may include an Application Processor (AP), a modem processor, a Graphics Processing Unit (GPU), an Image Signal Processor (ISP), a controller, a memory, a video codec, a Digital Signal Processor (DSP), a baseband processor, and/or a neural-Network Processing Unit (NPU), etc. Among other things, the controller may be a neural center and a command center of the mobile terminal 130. The controller can generate an operation control signal according to the instruction operation code and the timing signal to complete the control of instruction fetching and instruction execution. The different processing units may be separate devices or may be integrated in one or more processors.

The NFC module 132 is configured to detect a radio frequency field generated by the NFC host device, and establish an NFC connection with the NFC host device.

In this embodiment, the NFC module 132 is configured to receive a first request message sent by the inbound gate in the form of an NFC signal when the distance from the inbound gate is less than or equal to the preset distance, and send a response message of the first request message to the outbound gate in the form of an NFC signal. The first request message is used for indicating the inbound gate to request the vehicle card in the activated state to carry out vehicle taking payment. And the response message of the first request message is used for indicating that the bus payment is approved by adopting the bus card.

The NFC module 132 is further configured to receive a second request message sent by the outbound gate in the form of an NFC signal if the distance from the outbound gate is less than or equal to the preset distance, and send a response message of the second request message to the outbound gate in the form of an NFC signal. The second request message is used for indicating the outbound gate to request the vehicle card in the activated state to carry out vehicle taking payment. And the response message of the second request message is used for indicating that the bus taking payment is accepted by adopting the bus card.

The processor 131 is used for generating a first information set associated with the riding card b1 according to the first request message; generating a second information set associated with the riding card b2 according to the second request message; determining a target payment strategy under the condition that a single riding event is determined to exist according to the first information set and the second information set; and deducting the single ride fee from the ride card b1 or the ride card b2 according to the target payment strategy.

The wireless communication function of the mobile terminal 130 may be implemented by the wireless communication module 133, the antenna 134, a modem processor, a baseband processor, and the like.

The internal memory 135 may be used to store computer-executable program code, which includes instructions. The processor 131 executes various functional applications of the mobile terminal 130 and data processing by executing instructions stored in the internal memory 135. The internal memory 135 may include a program storage area and a data storage area. The storage program area may store an operating system, an application program (such as an image playing function) required by at least one function, and the like. The storage data area may store data created during use of the mobile terminal 130, and the like.

The external memory interface 136 may be used to connect an external memory card to enable expansion of the memory capabilities of the mobile terminal 130. The external memory card communicates with the processor 131 through the external memory interface 136 to implement a data storage function.

The power module 137 is used for providing operating power for the mobile terminal 130.

The mobile terminal 130 may implement audio functions through the audio module 138, the speaker 138A, the receiver 138B, the microphone 138C, the earphone interface 138D, and the application processor. Such as music playing and recording, etc.

The keys 140 include a power-on key, a volume key, and the like. The keys 140 may be mechanical keys. Or may be touch keys.

The motor 141 may generate a vibration cue. The motor 141 can be used for incoming call vibration prompting and also for touch vibration feedback. The motor 141 may also respond to different vibration feedback effects for touch operations applied to different areas of the display screen 144.

The indicator 142 may be an indicator light, and may be used to indicate a charging status, a change in the amount of power, or may be used to indicate a message, a missed call, a notification, or the like.

The camera 143 is used to capture still images or video. The object generates an optical image through the lens and projects the optical image to the photosensitive element.

The display screen 144 includes a display panel for displaying images, videos, and the like, such as a two-dimensional code for bus payment. In some embodiments, the mobile terminal 130 may include at least one display screen 144.

The SIM card interface 145 is used to connect a SIM card. The SIM card can be brought into and out of contact with the mobile terminal 130 by being inserted into the SIM card interface 145 or being pulled out from the SIM card interface 145.

Embodiments of the present application further provide a server, which includes a processor, where the processor is coupled with a memory, and the processor is configured to execute a computer program or instructions stored in the memory, so as to enable the server to implement the method in the foregoing embodiments.

An embodiment of the present application further provides a mobile terminal, which includes a processor, where the processor is coupled with a memory, and the processor is configured to execute a computer program or an instruction stored in the memory, so that the mobile terminal implements the methods in the foregoing embodiments.

The embodiment of the application also provides a computer readable storage medium, wherein the computer readable storage medium stores computer instructions; the computer readable storage medium, when run on a server or a mobile terminal, causes the server or the mobile terminal to perform the method as shown above. The computer instructions may be stored on a computer readable storage medium or transmitted from one computer readable storage medium to another, for example, from one website, computer, server, or data center to another website, computer, server, or data center via wire (e.g., coaxial cable, fiber optic, digital Subscriber Line (DSL)) or wireless (e.g., infrared, wireless, microwave, etc.). The computer readable storage medium can be any available medium that can be accessed by a computer or can comprise one or more data storage devices, such as servers, data centers, etc., that can be integrated with the medium. The usable medium may be a magnetic medium (e.g., a floppy disk, a hard disk, or a magnetic tape), an optical medium, or a semiconductor medium (e.g., a Solid State Disk (SSD)), etc.

Embodiments of the present application further provide a computer program product, which includes computer program code, when the computer program code runs on a computer, the computer is caused to execute the method in the foregoing embodiments.

The embodiments of the present application further provide a chip, the chip is coupled with the memory, and the chip is configured to read and execute a computer program or an instruction stored in the memory to perform the methods in the foregoing embodiments. The chip can be a general-purpose processor or a special-purpose processor.

It should be noted that the chip may be implemented by using the following circuits or devices: one or more Field Programmable Gate Arrays (FPGAs), programmable Logic Devices (PLDs), controllers, state machines, gate logic, discrete hardware components, any other suitable circuitry, or any combination of circuitry capable of performing the various functions described throughout this application.

The mobile terminal, the server, the payment device, the computer-readable storage medium, the computer program product, and the chip provided in the foregoing embodiments are all configured to execute the method provided above, and therefore, the beneficial effects achieved by the mobile terminal, the server, the payment device, the computer-readable storage medium, the computer program product, and the chip may refer to the beneficial effects corresponding to the method provided above, and are not described herein again.

It should be understood that the above description is only for the purpose of helping those skilled in the art better understand the embodiments of the present application, and is not intended to limit the scope of the embodiments of the present application. It will be apparent to those skilled in the art that various equivalent modifications or variations are possible in light of the above examples, for example, some steps may not be necessary or some steps may be newly added in various embodiments of the above detection method. Or a combination of any two or any more of the above embodiments. Such modifications, variations, or combinations are also within the scope of the embodiments of the present application.

It should also be understood that the foregoing descriptions of the embodiments of the present application focus on differences between the various embodiments, and that the same or similar parts that are not mentioned may be referred to one another, and thus, for brevity, will not be described again.

It should also be understood that the sequence numbers of the above processes do not mean the execution sequence, and the execution sequence of each process should be determined by the function and the inherent logic of each process, and should not constitute any limitation to the implementation process of the embodiments of the present application.

It should also be understood that, in this embodiment of the present application, "preset" and "predefined" may be implemented by saving a corresponding code, table, or other means that can be used to indicate relevant information in advance in a device (for example, including an electronic device), and this application is not limited to the specific implementation manner thereof.

It should also be understood that the manner, the case, the category, and the division of the embodiments are only for convenience of description and should not be construed as a particular limitation, and features in various manners, the category, the case, and the embodiments may be combined without contradiction.

It is also to be understood that, in various embodiments of the present application, unless otherwise specified or conflicting in logic, terms and/or descriptions between different embodiments are consistent and may be mutually referenced, and technical features in different embodiments may be combined to form a new embodiment according to their inherent logical relationship.

Finally, it should be noted that: the above description is only an embodiment of the present application, but the scope of the present application is not limited thereto, and any changes or substitutions within the technical scope of the present disclosure should be covered by the scope of the present application. Therefore, the protection scope of the present application shall be subject to the protection scope of the claims.

Claims

1. A method of payment, the method comprising:

receiving first payment information and second payment information; the first payment information is obtained by scanning a first riding code corresponding to a first account through an inbound gate, the second payment information is obtained by scanning a second riding code corresponding to a second account through an outbound gate, and the first account and the second account are two accounts registered in one payment application;

deducting single riding cost from the first account or the second account under the condition that the single riding event is determined to exist according to the first payment information and the second payment information; the single riding event refers to the fact that a user completes a single journey from an initial riding station to a terminal riding station, and the single riding fee is used for paying the single journey.

2. The method of claim 1, wherein determining that a single ride event exists based on the first payment information and the second payment information comprises:

determining a first set of information consisting of at least one information associated with the first payment information and a second set of information consisting of at least one information associated with the second payment information;

and determining that the single riding event exists under the condition that the detection results of each type of information in the first information set and the second information set meet preset conditions.

3. The method of claim 2,

the first set of information includes:

first user information indicating a user associated with the first account;

the second set of information includes:

second user information indicating a user associated with the second account;

the detection results of each type of information in the first information set and the second information set meet preset conditions, and the detection results comprise:

the first user information and the second user information indicate the same user.

4. The method of claim 3,

if the first information set further includes a first device identifier and the second information set further includes a second device identifier, the detection result of each type of information in the first information set and the second information set meets a preset condition, and the method further includes: the first equipment identification and the second equipment identification indicate the same mobile terminal; the first device identification is used for indicating a mobile terminal which logs in the first account, and the second device identification is used for indicating a mobile terminal which logs in the second account; and/or the presence of a gas in the gas,

if the first information set further includes a first type identifier and the second information set further includes a second type identifier, the detection results of each type of information in the first information set and the second information set all meet preset conditions, and the method further includes: the first type identification and the second type identification indicate the same type of riding card; the first type identification is used for indicating the type of the bus card providing the first bus code, and the second type identification is used for indicating the type of the bus card providing the second bus code; and/or the presence of a gas in the gas,

if the first information set further includes first time information and the second information set further includes second time information, the detection result of each type of information in the first information set and the second information set meets a preset condition, and the method further includes: the time interval indicated by the first time information and the second time information is less than or equal to a preset interval; the first time information is used for indicating the time for scanning the first riding code by the entry gate machine, and the second time information is used for indicating the time for scanning the second riding code by the exit gate machine; and/or the presence of a gas in the gas,

if the first information set further includes first site information and the second information set further includes second site information, the detection results of each type of information in the first information set and the second information set all meet preset conditions, and the method further includes: the bus stations indicated by the first station information and the second station information are different bus stations; the first station information is used for indicating the starting bus taking station, and the second station information is used for indicating the terminal bus taking station.

5. The method of claim 4,

the first set of information further comprises: the first account management system comprises first offer information and first balance information, wherein the first offer information is used for indicating each riding offer item contained in the first account, and the first balance information is used for indicating the balance of the first account; the second set of information further comprises: the second preferential information is used for indicating each riding preferential item contained in the second account, and the second balance information is used for indicating the balance of the second account;

the deducting a single ride charge from the first account or the second account comprises:

determining a target payment strategy from a plurality of preset strategies according to the priority of each preset strategy in the plurality of preset strategies, the first preferential information, the second preferential information, the first balance information, the second balance information, the first type identifier, the second type identifier, the first time information and the second time information;

deducting the single riding fee from the first account or the second account which accords with the target payment strategy according to the target payment strategy;

wherein the plurality of preset policies comprises at least one of:

a payment strategy is set according to the preferential degree of the account;

a payment policy set according to a coupon deadline of the account;

a payment strategy is set according to the balance of the account;

a payment policy set according to a scan order of the accounts.

6. The method of claim 1, further comprising:

under the condition that two times of riding events exist according to the first payment information and the second payment information, respectively deducting riding cost of each riding event from the first account and the second account; the two-time riding event refers to the fact that a user completes a single journey from the starting riding station to any station and completes a single journey from any station to the terminal riding station.

7. The method of claim 6, wherein determining that there are two ride events based on the first payment information and the second payment information comprises:

determining a first set of information and a second set of information;

determining that the two riding events exist if the first information set and the second information set satisfy condition 1 and at least one of condition 2, condition 3, and condition 4;

wherein the first set of information includes first user information and at least one of: a first device identifier, a first type identifier, and first time information; the first user information is used for indicating a user associated with the first account, the first equipment identifier is used for indicating a mobile terminal logging in the first account, the first type identifier is used for indicating the type of a bus card providing the first bus code, and the first time information is used for indicating the time of scanning the first bus code by the gate machine;

the second set of information includes second user information and at least one of: a second device identifier, a second type identifier, and second time information; the second user information is used for indicating a user associated with the second account, the second device identifier is used for indicating a mobile terminal logging in the second account, the second type identifier is used for indicating the type of a riding card providing the second riding code, and the second time information is used for indicating the time when the outbound gate machine scans the second riding code;

the condition 2 is that the first device identifier and the second device identifier indicate different mobile terminals;

the condition 4 is that a time interval indicated by the first time information and the second time information is greater than a preset interval.

8. The method according to any one of claims 1 to 7, further comprising:

under the condition that a riding event does not exist according to the first payment information and the second payment information, not deducting riding cost from the first account and the second account; the non-riding event means that the starting riding station and the terminal riding station are the same riding station.

9. A method of payment, the method comprising:

receiving first request information sent by an inbound gate in an NFC signal form under the condition that a first bus card of a target payment application is in an activated state, and determining a first information set in response to the first request information, wherein the first information set is composed of at least one piece of information associated with the first bus card;

receiving second request information sent by an outbound gate in the form of an NFC signal under the condition that a second bus card of the target payment application is in an activated state, and determining a second information set in response to the second request information, wherein the second information set is composed of at least one piece of information associated with the second bus card;

deducting single riding cost from the first riding card or the second riding card under the condition that single riding event is determined to exist according to the first information set and the second information set; the single riding event refers to the fact that a user completes a single journey from an initial riding station to a terminal riding station, and the single riding fee is used for paying the single journey.

10. The method of claim 9, wherein determining that a single ride event exists based on the first set of information and the second set of information comprises:

11. The method of claim 10,

if the first information set comprises a first type identifier and the second information set comprises a second type identifier, the detection result of each type of information in the first information set and the second information set meets a preset condition, and the method comprises the following steps: the first type identification and the second type identification indicate the same type of riding card; the first type identification is used for indicating the type of the first bus card, and the second type identification is used for indicating the type of the second bus card; and/or the presence of a gas in the atmosphere,

if the first information set comprises first time information and the second information set comprises second time information, the detection result of each type of information in the first information set and the second information set meets a preset condition, and the method comprises the following steps: the time interval indicated by the first time information and the second time information is less than or equal to a preset interval; wherein the first time information is used for indicating the time for receiving the first request message, and the second time information is used for indicating the time for receiving the second request message; and/or the presence of a gas in the gas,

if the first information set comprises first site information and the second information set comprises second site information, the detection results of each type of information in the first information set and the second information set all meet preset conditions, and the method comprises the following steps: the bus stations indicated by the first station information and the second station information are different bus stations; the first station information is used for indicating the starting bus taking station, and the second station information is used for indicating the terminal bus taking station.

12. The method of claim 11,

the first set of information further comprises: the first preferential information is used for indicating each riding preferential item contained in the first riding card, and the first balance information is used for indicating the balance of the first riding card; the second set of information further comprises: the second preferential information is used for indicating each riding preferential item contained in the second riding card, and the second balance information is used for indicating the balance of the second riding card;

the deducting of the single ride fee from the first ride card or the second ride card comprises:

deducting the single riding expense from the balance of the first riding card or the balance of the second riding card according to the target payment strategy; or deducting the single riding fee from the balance or the associated account of the target payment application according to the target payment strategy;

wherein the plurality of preset policies comprises at least one of:

a payment strategy is set according to the coupon deadline of the bus card;

a payment strategy is set according to the balance of the riding card;

a payment strategy is set according to the type of the bus card;

13. The method of claim 9, further comprising:

under the condition that two riding events exist according to the first information set and the second information set, deducting riding cost of each riding event from the balance of the first riding card and the balance of the second riding card respectively; or deducting the cost of the two riding events from the balance or the associated account of the target payment application;

the two-time riding event refers to the fact that the user completes a single journey from the starting riding station to any stop and completes a single journey from any stop to the terminal riding station.

14. The method of claim 13, wherein determining that there are two ride events based on the first set of information and the second set of information comprises:

determining that the two ride events exist if the first information set and the second information set satisfy at least one of condition 1 and condition 2;

wherein the first set of information comprises at least one of: a first type identification and first time information; the first type identification is used for indicating the type of the first bus card, and the first time information is used for indicating the time for receiving the first request message;

the second set of information includes at least one of: a second type identifier and second time information; the second type identification is used for indicating the type of the second bus card, and the second time information is used for indicating the time for receiving the second request message;

the condition 1 is that the first type identification and the second type identification indicate different types of riding cards;

the condition 2 is that a time interval indicated by the first time information and the second time information is greater than a preset interval.

15. The method according to any one of claims 9 to 14, further comprising:

under the condition that the riding event does not exist according to the first information set and the second information set, the riding cost is not deducted from the first riding card and the second riding card; wherein the absence of a ride event means that the starting ride station and the ending ride station are the same ride station.

16. A server, comprising a processor coupled with a memory, the processor to execute a computer program or instructions stored in the memory to cause the server to implement a payment method as claimed in any one of claims 1 to 8.

17. A mobile terminal comprising a processor coupled with a memory, the processor being configured to execute a computer program or instructions stored in the memory to cause the mobile terminal to implement a payment method as claimed in any one of claims 9 to 15.

18. A chip coupled with a memory, the chip being configured to read and execute a computer program stored in the memory to implement a payment method as claimed in any one of claims 1 to 15.

19. A computer-readable storage medium, characterized in that it stores a computer program which, when run on a server, causes the server to execute the payment method according to any one of claims 1 to 8; or, when run on a mobile terminal, cause the mobile terminal to perform a payment method as claimed in any one of claims 9 to 15.